Crypto card decisions
Crypto Card Fees Explained: FX, ATM and Cashback
A crypto card can charge in five places: crypto conversion when you spend, an FX fee on payments in another currency, ATM fees above a free allowance, card or plan fees, and top-up fees. In Europe, Nexo Card charges 0.2% on weekdays in the EEA, UK and Switzerland and Bybit Card EU 0.5% above the Mastercard rate; RedotPay charges 1.2% outside its USD billing currency and Tria’s terms list up to 3%. On most of these cards the headline cashback rate applies only up to a cap or needs a paid plan, locked tokens or a large balance, so compare fees first.
By DmytroUpdated 13 min read
Short answer
- Payments in another currency: Nexo Card 0.2% on weekdays and 0.7% at weekends in the EEA, UK and Switzerland, 2% and 2.5% elsewhere; Bybit Card EU 0.5% above the Mastercard rate (both as of 26 Sep 2026).
- RedotPay charges no FX fee in US dollars and 1.2% in other currencies (24 Aug 2026); Tria lists up to 3% plus up to 1% (31 Aug 2026).
- Free ATM cash a month: Bybit Card EU EUR 100, Wirex EUR 200 in the EEA, Nexo about EUR 200 to EUR 2,000 by tier, then 2% on all three (as of 26 Sep 2026). RedotPay charges 2% from the first dollar; only annual Pro waives it on the first USD 1,000 a month (as of 24 Aug 2026).
- Cashback: Tria Virtual pays 1.5% only on the first USD 100 a month, then 0.5% (as of 31 Aug 2026); RedotPay Pro’s 3% is capped at 18 USDs a month and costs USD 12.90 a month (as of 24 Aug 2026).
Card fees for one month outside Europe
- Bybit Card EU10.50 EURExchange 6.50 · ATM 4.00 · Plan 0.00 · Card 0.00 · crypto conversion extra
- Wirex Standard≥ 7.00 EURExchange 0.00 · ATM 2.00 · Plan 0.00 · Card 5.00 · + conversion fee shown in the app
Not ranked: Nexo Card Base (virtual card only on this plan: no ATM cash; total covers card payments)
The five fees on a crypto card
Crypto conversion, FX, ATM, card or plan, and top-up fees.
When you pay abroad, the card network converts the purchase into the card’s currency at the Mastercard or Visa rate. The issuer’s FX fee is added on top of that rate. If the card spends crypto, a crypto-conversion fee applies when your coins are sold. Bybit EU’s fee table, for example, lists the FX charge (above the Mastercard rate) and the crypto-conversion charge (above Bybit’s sell rate) as two separate fees.
A stablecoin in the card’s own currency removes the FX fee but can still carry a conversion fee. New RedotPay cards are billed in USD, so a US dollar purchase carries no RedotPay FX fee, while a 1% crypto-conversion fee can still apply.
| Fee | What it is | Examples |
|---|---|---|
| Crypto conversion | Selling your crypto for the card currency when you pay or top up | RedotPay up to 1%; Bybit global programs 0.5% or 0.9% where supported; Bybit EU priced in a separate table |
| FX fee | A markup on payments in a currency other than the card’s | Nexo 0.2% on EEA weekdays; Bybit Card EU 0.5%; RedotPay 1.2%; Tria up to 3% |
| ATM fee | A charge on cash above a free monthly allowance; the ATM owner may add its own fee | Bybit Card EU 2% above EUR 100; Nexo 2% above the tier allowance, minimum about EUR 1.99 |
| Card and plan fees | Issue, delivery, annual or subscription costs | RedotPay USD 10 virtual or USD 100 physical; Tria USD 25 to USD 250 a year; Wirex Premium EUR 9.99 a month |
| Top-up fees | Charges for loading the card from a bank card or PayPal | Crypto.com (US): debit card 1%, credit card 2.99%, PayPal 2.1% |
Where a crypto card charges when you pay
What your trip costs with each card
Enter your trip and the cards are ranked by what they charge in fees, using each card’s published prices for where you live.
Enter foreign-currency amounts at their value in EUR.
Assumes a euro card used in another currency outside Europe, so payments and cash are converted.
For this trip Bybit Card EU costs about 10.50 EUR. Wirex Standard costs 7.00 EUR plus a conversion fee that depends on the currency (the app shows it before you pay). Nexo Card Base has only a virtual card on this plan, so it cannot withdraw cash and is left out of the comparison.
- 1Bybit Card EUCheapestEEA (euro account) · Review
Trip total: 10.50 EUR
Per month: 10.50 EUR
- Exchange
- 6.50 EUR
- ATM
- 4.00 EUR
- Plan
- 0.00 EUR
- Card
- 0.00 EUR
crypto conversion extra
Fees as of 26 Sep 2026 · source
- 2Wirex StandardEEA (euro account) · Review
Trip total: 7.00 EUR
Per month: 7.00 EUR
- Exchange
- 0.00 EUR
- ATM
- 2.00 EUR
- Plan
- 0.00 EUR
- Card
- 5.00 EUR
+ conversion fee shown in the app
Fees as of 26 Sep 2026 · source
- 3Nexo Card BaseEEA (euro account) · Review
Trip total: 21.50 EUR
Per month: 21.50 EUR
- Exchange
- 21.50 EUR
- ATM
- 0.00 EUR
- Plan
- 0.00 EUR
- Card
- 0.00 EUR
virtual card only on this plan: no ATM cash; total covers card payments
Fees as of 26 Sep 2026 · source
Crypto card fees by card
Bybit Card EU, Nexo, RedotPay, Crypto.com, Wirex and Tria side by side.
Each row names the region or terms its prices belong to and the date they were checked. Outside the EU, Bybit Card programs charge 1% to 7% FX depending on the region. Crypto.com announced new EEA card tiers from 1 Oct 2026 (as of 26 Sep 2026), so the table uses its US tariff. Tria’s marketing page advertises zero Tria FX and ATM fees, while its card terms list the charges below; the terms govern your account.
| Card | Paying in another currency | ATM cash | Card and plan cost | Cashback or rewards |
|---|---|---|---|---|
| Bybit Card EU (26 Sep 2026) | 0.5% above the Mastercard rate; crypto conversion priced separately | EUR 100 a month free, then 2% | Virtual and first physical card free; replacement EUR 5; no annual fee | Depends on campaign, tier and region |
| Nexo Card (Europe, 26 Sep 2026) | Weekdays 0.2% in the EEA, UK and Switzerland, 2% elsewhere; weekends 0.7% or 2.5% | About EUR 200 (Base) to EUR 2,000 (Platinum) a month free, then 2%, minimum about EUR 1.99 | No monthly or annual fee stated; virtual card needs a USD 50 balance, physical card over USD 5,000 and Gold tier | Credit Mode: up to 2% in NEXO or 0.5% in BTC with a balance over USD 5,000 |
| RedotPay (24 Aug 2026) | No fee in USD, the billing currency; 1.2% in other currencies; up to 1% crypto conversion | 2% up to USD 10,000 a month, 3% above | Virtual USD 10, physical USD 100, once; no monthly fee; optional Pro USD 12.90 a month | Pro: 3% on Apple Pay and Google Pay, capped at 18 USDs a month |
| Crypto.com Card (US, 26 Sep 2026) | 3% on non-USD spending on Midnight, Ruby, Jade and Indigo; no FX fee on higher tiers | USD 200 to USD 1,000 a month free by tier, then 2% | Physical card: Basic USD 4.99, Ruby USD 29.99; USD 5.95 inactivity fee after 12 months | Level Up Plus 1.5%, Pro 2.5%, Private 3.5% or 4.5%, with monthly caps; Basic none |
| Wirex (EEA, 26 Sep 2026) | Rate depends on the currency pair, shown in the in-app quote | EUR 200 a month free, then 2%; EUR 500 daily limit | No issue fee; delivery EUR 5 (EUR 15 express); Standard free, Premium EUR 9.99, Elite EUR 29.99 a month | Cryptoback from 0.5% on Standard, up to 8% on paid plans with WXT locked |
| Tria (US and international terms, 31 Aug 2026) | Up to 3% FX, plus up to 1% international-transaction fee | Up to USD 2 + 3% per withdrawal | Virtual USD 25, Plastic USD 109, Metal USD 250 a year | Virtual 1.5% on the first USD 100 a month, then 0.5%; higher tiers up to 6% on the first USD 2,000 |
What a month of travel spending costs: two examples
EUR 1,000 of card payments and EUR 300 of cash, then the same trip in US dollars.
Example 1, Vienna and Prague: EUR 1,000 of card payments in Czech koruna on weekdays and EUR 300 of cash from euro ATMs in one month. ATM owners’ own fees are left out.
Nexo Card, Base tier: 0.2% × EUR 1,000 = EUR 2.00 for the payments. About EUR 200 of cash is free, and 2% of the other EUR 100 is EUR 2.00. Total about EUR 4.00. The same payments at weekends cost 0.7%, or EUR 7.00.
Bybit Card EU: 0.5% × EUR 1,000 = EUR 5.00. EUR 100 of cash is free, and 2% of the other EUR 200 is EUR 4.00. Total EUR 9.00, plus Bybit EU’s crypto-conversion fee if the card sells crypto to pay.
Wirex (EEA): EUR 200 of cash is free, and 2% of the other EUR 100 is EUR 2.00. The koruna payments cost whatever rate the app quotes for that pair.
Example 2, US dollars: USD 1,000 of card payments in a non-USD currency and one USD 300 ATM withdrawal. RedotPay without Pro: 1.2% × USD 1,000 = USD 12.00 and 2% × USD 300 = USD 6.00, so USD 18.00, plus up to 1% if RedotPay converts crypto to pay (up to USD 13.00 more), plus the one-off card fee. Tria Plastic: up to 4% × USD 1,000 = USD 40.00 and up to USD 2 + 3% × USD 300 = USD 11.00, so up to USD 51.00, plus the USD 109 annual card fee.
For comparison, N26 adds no N26 fee to card payments in any currency on its EU plans (as of 26 Sep 2026). A crypto card is worth its fees when you are spending crypto you already hold.
Crypto card cashback: what it is worth after caps
High rates apply to a capped amount, a paid plan, locked tokens or a large balance.
Crypto card cashback is usually paid in a token or stablecoin, on eligible purchases only, up to a monthly cap. Before you choose a card for its rewards, check the rate for the tier you will actually have, the cap, the excluded categories and how the reward is paid out.
Tria pays cashback in stablecoins: Virtual 1.5% on the first USD 100 a month, then 0.5%; Signature 4.5% on the first USD 1,000, then 1%; Premium 6% on the first USD 2,000, then 1% (31 Aug 2026). Example: USD 1,000 a month on Tria Virtual earns USD 1.50 + 0.5% × USD 900 = USD 6.00, against an annual fee of USD 25, or about USD 2.08 a month.
RedotPay Pro costs USD 12.90 a month and pays 3% on Apple Pay and Google Pay purchases, capped at 18 USDs a month (24 Aug 2026). The cap is reached at USD 600 of eligible purchases, so the best case is 18 − 12.90 = 5.10 a month. The USDs reward cannot be withdrawn, normally expires after 30 days and can be clawed back from your other assets after a refund.
Crypto.com (US, 26 Sep 2026): Level Up Basic earns nothing on spending; Plus pays 1.5%, Pro 2.5% and Private 3.5% or 4.5% on qualifying spend, with monthly caps, and new Level Up CRO stakes are locked for 365 days. Nexo (Europe) pays up to 2% in NEXO or 0.5% in BTC in Credit Mode with a balance above USD 5,000. Wirex Cryptoback starts at 0.5% on Standard and reaches up to 8% on paid plans with locked WXT.
A token lock is capital at risk, not a fee. Example: you lock EUR 400 of tokens to earn one percentage point more on EUR 12,000 of yearly spending, which is EUR 120 of extra rewards. If the token falls 50%, you lose EUR 200 and end the year EUR 80 down.
The crypto card calculator applies one reward rate to all spending, so enter the effective rate: in the table below, EUR 20 ÷ EUR 2,000 = 1%, not the headline 2%.
| Step | Amount |
|---|---|
| Total card spending | EUR 2,000 |
| Eligible spending EUR 1,200 × 2% | EUR 24 |
| After the EUR 20 monthly cap | EUR 20 |
| Minus EUR 15 of card fees that month | EUR 5 |
| Net benefit as a share of total spending | 0.25% |
Checklist
- The rate for the tier you will hold, not the maximum.
- The monthly cap and the date it resets.
- Excluded merchant categories and payment channels.
- The reward asset, whether it can be withdrawn and when it expires.
- Any lock, stake or minimum balance, and what that money is exposed to.
- What happens to the reward after a refund.
How to pay less on a crypto card
Pay in local currency, mind weekends and withdraw cash in fewer, larger amounts.
Most of the cost of a crypto card comes from FX and cash. These habits keep both low; the last step shows how to read a statement that looks wrong.
Step by step
- Pay in the local currency. If a terminal or ATM offers to charge you in your card’s currency, decline: that is dynamic currency conversion, and the merchant’s provider sets the rate.
- Pay on weekdays if your card adds a weekend markup. Nexo charges 0.2% on weekdays and 0.7% at weekends in the EEA.
- Spend in the card’s billing currency where you can. New RedotPay cards bill in USD, so US dollar purchases carry no RedotPay FX fee.
- Withdraw cash in fewer, larger amounts within the free allowance. Nexo’s minimum of about EUR 1.99 per withdrawal above the allowance makes small withdrawals expensive.
- Top up with crypto rather than a credit card where card top-ups cost extra: Crypto.com (US) charges 2.99% for a credit card top-up.
- Compare the settled amount with the receipt. A pending payment on Bybit Card can include a temporary FX buffer that is released when the payment settles.
FAQ
What fees do crypto cards charge?
Up to five: crypto conversion when your coins are sold, an FX fee on payments in another currency, ATM fees above a free allowance, card or plan fees, and top-up fees. Bybit Card EU, for example, charges 0.5% above the Mastercard rate and 2% on cash above EUR 100 a month (26 Sep 2026).
Which crypto card has the lowest fees?
Among the six cards compared here, the lowest published fees for spending in Europe are Nexo Card’s (0.2% on weekdays in the EEA, UK and Switzerland) and Bybit Card EU’s (0.5% above the Mastercard rate, EUR 100 of free cash a month), both as of 26 Sep 2026; Crypto.com announced new EEA card tiers from 1 Oct 2026 (as of 26 Sep 2026). For US dollar spending, RedotPay adds no FX fee in USD (24 Aug 2026).
What are Bybit Card fees?
Bybit Card EU: 0.5% above the Mastercard rate on other currencies, EUR 100 of free ATM cash a month and then 2%, free virtual and first physical card, EUR 5 replacement and no annual fee (26 Sep 2026). Bybit’s other regional programs charge 1% to 7% FX.
Are crypto debit card fees higher than bank card fees?
Often, on FX. N26 adds no fee to card payments in any currency on its EU plans, while crypto cards charge from 0.2% (Nexo, EEA weekdays) to up to 3% plus 1% (Tria). A crypto card makes sense when you already hold crypto you want to spend.
What does a USDT card cost to use?
Spending USDT usually triggers a crypto-conversion fee, such as up to 1% on RedotPay, plus an FX fee when the shop’s currency differs from the card’s. RedotPay bills in USD, so a USD purchase avoids its 1.2% FX fee.
Is crypto card cashback worth it?
Only after caps and costs. Tria Virtual pays 1.5% on the first USD 100 a month, then 0.5%; RedotPay Pro’s 3% is capped at 18 USDs a month and the plan costs USD 12.90. Compare the net amount with what you pay in fees.
Sources
- Fees and Limits (Bybit Card) — Bybit EU
- Bybit Card fees and spending limits (EU) — Bybit EU
- Bybit Card global regional fees and limits — Bybit
- Nexo Card: European and global card conditions — Nexo
- Nexo Card — Nexo
- How the Nexo Card lets you pay without giving up your crypto — Nexo
- RedotPay services and features — RedotPay
- RedotPay ATM fees — RedotPay
- Getting started with RedotPay Pro — RedotPay
- Crypto.com prepaid Visa card fees and limits (United States) — Crypto.com
- Crypto.com prepaid Visa card fees and limits (Europe) — Crypto.com
- Crypto.com Prepaid Card - Rewards & Benefits — Crypto.com
- CRO rewards restrictions and markets — Crypto.com
- Wirex fees and delivery — Wirex
- Wirex limits — Wirex
- Wirex X-tras prices and tiers — Wirex
- Tria international card terms — Tria
- Tria card cashback terms — Tria
- N26 foreign transaction fees — N26
Crypto card balances are not bank deposits, and fees and availability change, so check current terms before you load funds. How we compare