Comparison
CryptoPay Card vs. Fold Card: fees, limits & KYC
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Illustration
Drawn by us from the provider logo and card colours, not the official card picture.
Drawn on
CryptoPay CardCryptoPay
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foldapp.com29 Oct 2026
Image source
Source
foldapp.com
Retrieved on
Logos and card pictures are trademarks of their owners and are shown for identification only.
Fold CardFold
In short
- Fold Card has the higher score (60.32).
| Attribute |
CryptoPay CardCryptoPay
Requires KYC
Private
Virtual
Physical
|
Fold CardFold
Requires KYC
Private
Virtual
Physical
|
|---|---|---|
| Score | average | average |
| CostsWeight 25 % | 75 | 90 |
| KYC and privacyWeight 20 % | 35 | 35 |
| FeaturesWeight 15 % | 100 | 77 |
| AvailabilityWeight 10 % | 23 | 17 |
| RewardsWeight 10 % | not scored | 35 |
| TrustWeight 10 % | 70 | 90 |
| CommunityWeight 10 % | not scored | not scored |
| KYC | KYC: ID document | KYC: ID document |
| Limits (entry level) | Standard Due Diligence
|
|
| Basics | ||
| Card form (differs) |
debit
cryptopay.me checked 29 Oct 2026
Source and check
Source
cryptopay.me
Wording at the source
The Cryptopay Visa debit card ("Card") is issued by DiPocket UAB ("DiPocket").Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
prepaid
foldapp.com checked 28 Oct 2026
Source and check
Source
foldapp.com
Wording at the source
### Fold Prepaid Debit Card Issued by Sutton BankChecked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Card types |
virtual, physical
cryptopay.me checked 29 Oct 2026
Source and check
Source
cryptopay.me
Wording at the source
Fee for upgrading a virtual card to a plastic card 5 EURChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
virtual, physical
foldapp.com checked 29 Oct 2026
Source and check
Source
foldapp.com
Wording at the source
Open a Fold account from the app and request your card. Use a virtual card right away while the physical one ships.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Card network |
Visa
cryptopay.me checked 29 Oct 2026
Source and check
Source
cryptopay.me
Wording at the source
The Cryptopay Visa debit card ("Card") is issued by DiPocket UAB ("DiPocket").Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
Visa
foldapp.com checked 29 Oct 2026
Source and check
Source
foldapp.com
Wording at the source
The Fold Card runs on the Visa network, so it works at virtually every merchant in the country and at ATMs when you need cash.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Custody |
custodial
cryptopay.me checked 29 Oct 2026
Source and check
Source
cryptopay.me
Wording at the source
Cryptocurrency storage services, whereby Cryptocurrency (whether purchased from Cryptopay or transferred from an external Cryptocurrency wallet) is stored in a multicurrency digital wallet ("Cryptocur...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
custodial
foldapp.com checked 30 Oct 2026
Source and check
Source
foldapp.com
Wording at the source
Fold uses the second model, through BitGo.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Funding model |
fiat balance
cryptopay.me checked 29 Oct 2026
Source and check
Source
cryptopay.me
Wording at the source
If the Customer instructs a Cryptocurrency Withdrawal in respect of amounts held other than in the Euro or Pound Sterling Sub-Wallet, a Currency Exchange Transaction must first take place where such a...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
fiat balance
foldapp.com checked 28 Oct 2026
Source and check
Source
foldapp.com
Wording at the source
You must have enough funds loaded onto your Card Account to pay for your purchase and you must have enough funds not subject to a hold (see Merchant Holds on Available Funds).Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Card currencies (differs) |
EUR, GBP
cryptopay.me checked 29 Oct 2026
Source and check
Source
cryptopay.me
Wording at the source
1. Any Cryptocurrency Withdrawals must take place from the Euro or Pound Sterling Sub-Wallet. 2. If the Customer instructs a Cryptocurrency Withdrawal in respect of amounts held other than in the Eur...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
USD
foldapp.com checked 28 Oct 2026
Source and check
Source
foldapp.com
Wording at the source
The Fold Prepaid Debit Card is limited to loads and spends in U.S. dollars ("USD").Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Usage |
personal
cryptopay.me checked 29 Oct 2026
Source and check
Source
cryptopay.me
Wording at the source
As part of your eligibility to use a DiPocket account, you agree and confirm that you are an individual acting solely on your own behalf, in an individual capacity, and you are not acting in a busines...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
personal
foldapp.com checked 28 Oct 2026
Source and check
Source
foldapp.com
Wording at the source
The Card is for personal use only. You agree not to use the Card for business purposes.Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Issuer / BIN sponsor (differs) |
DiPocket UAB
cryptopay.me checked 29 Oct 2026
Source and check
Source
cryptopay.me
Wording at the source
The Cryptopay Visa debit card ("Card") is issued by DiPocket UAB ("DiPocket").Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
Sutton Bank (Member FDIC)
foldapp.com checked 28 Oct 2026
Source and check
Source
foldapp.com
Wording at the source
The Fold Prepaid Debit Card is issued by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc.Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Limits depend on | unknown | unknown |
| Cards per account | unknown | unknown |
| Availability | ||
| Available in | unknown | unknown |
| Crypto | ||
| Supported assets (differs) | unknown |
BTC
foldapp.com checked 29 Oct 2026
Source and check
Source
foldapp.com
Wording at the source
Set up direct deposit, transfer in from a linked account, or load funds instantly. Move bitcoin to your cash balance anytime for spending.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Number of supported assets | unknown | unknown |
| Top-up networks | unknown | unknown |
| Fiat top-up |
Yes
cryptopay.me checked 29 Oct 2026
Source and check
Source
cryptopay.me
Wording at the source
If you register as a User, subject to eligibility for the Card type you hold, we offer you several options to top-up the Account and Card, which may include transfers from cards issued to you by other...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
Yes
foldapp.com checked 29 Oct 2026
Source and check
Source
foldapp.com
Wording at the source
Set up direct deposit, transfer in from a linked account, or load funds instantly. Move bitcoin to your cash balance anytime for spending.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Payments | ||
| Mobile wallets (differs) | unknown |
Apple Pay
foldapp.com checked 28 Oct 2026
Source and check
Source
foldapp.com
Wording at the source
For each of the Fold Prepaid Debit Card and Fold Bitcoin Credit Card (defined below), you acknowledge and agree that your use of Apple Pay or other mobile payment platforms in connection with such Car...Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| ATM withdrawals |
Yes
cryptopay.me checked 29 Oct 2026
Source and check
Source
cryptopay.me
Wording at the source
· you can use it at all locations that display the VISA acceptance mark: for purchases in physical stores – including contactless, and at automated teller machines ("ATM") for cash withdrawals as well...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
Yes
foldapp.com checked 29 Oct 2026
Source and check
Source
foldapp.com
Wording at the source
The Fold Card runs on the Visa network, so it works at virtually every merchant in the country and at ATMs when you need cash.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Contactless |
Yes
cryptopay.me checked 29 Oct 2026
Source and check
Source
cryptopay.me
Wording at the source
· you can use it at all locations that display the VISA acceptance mark: for purchases in physical stores – including contactless, and at automated teller machines ("ATM") for cash withdrawals as well...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
Yes
foldapp.com checked 29 Oct 2026
Source and check
Source
foldapp.com
Wording at the source
## Tap, swipe, or insert anywhere Visa is acceptedChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Fees | ||
| Virtual card issuance (differs) |
2.00 EUR
cryptopay.me checked 29 Oct 2026
Source and check
Source
cryptopay.me
Wording at the source
Fee to buy a virtual card 2 EURChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
0.00 USD
foldapp.com checked 28 Oct 2026
Source and check
Source
foldapp.com
Wording at the source
| Card Purchase | $0 | Fee charged for purchase of the Fold Visa® Prepaid Debit Card. Additional cards and replacement cards are available for the fees described below. |Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Physical card issuance (differs) | unknown |
0.00 USD
foldapp.com checked 28 Oct 2026
Source and check
Source
foldapp.com
Wording at the source
| Card Purchase | $0 | Fee charged for purchase of the Fold Visa® Prepaid Debit Card. Additional cards and replacement cards are available for the fees described below. |Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Free cards | unknown | unknown |
| Shipping | unknown | unknown |
| Monthly fee (differs) |
0.00 EUR
cryptopay.me checked 29 Oct 2026
Source and check
Source
cryptopay.me
Wording at the source
Monthly administration fee 0Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
0.00 USD
foldapp.com checked 28 Oct 2026
Source and check
Source
foldapp.com
Wording at the source
| Annual or Monthly Fee | $0 | There is no annual or monthly fee. |Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Annual fee (differs) | unknown |
0.00 USD
foldapp.com checked 28 Oct 2026
Source and check
Source
foldapp.com
Wording at the source
| Annual or Monthly Fee | $0 | There is no annual or monthly fee. |Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Top-up fee | unknown | unknown |
| Crypto deposit fee | unknown | unknown |
| Crypto conversion fee (differs) | unknown |
1 %
foldapp.com checked 28 Oct 2026
Source and check
Source
foldapp.com
Wording at the source
If you are not a Fold Reserve member, or your Committed Balance is below $5,000, a Transaction Fee of 1% applies to each Fold Bitcoin Buying transaction, including, but not limited to, transactions ma...Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Foreign currency fee (differs) |
1.95 %
cryptopay.me checked 29 Oct 2026
Source and check
Source
cryptopay.me
Wording at the source
Service charge (commission) for purchases not in currency of the card 1,95%Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
unknown |
| FX free allowance | unknown | unknown |
| Minimum FX fee | unknown | unknown |
| ATM fee (differs) |
2.00 EUR
cryptopay.me checked 29 Oct 2026
Source and check
Source
cryptopay.me
Wording at the source
Fee for ATM withdrawal in the currency of the Card. Please note that ATM providers may raise additional charges. 2 EURChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
3.50 USD (Per withdrawal; waived for Fold Reserve members with a Reserve Balance of USD 5,000 or more; ATM operator fees may apply.)
foldapp.com checked 28 Oct 2026
Source and check
Source
foldapp.com
Wording at the source
| ATM Withdrawal | $3.50 per withdrawal | This fee is waived for Fold Reserve members with a Reserve Balance of $5,000 or more. You may be charged a fee by the ATM operator even if you do not complete...Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Transaction fee (differs) | unknown |
free
foldapp.com checked 29 Oct 2026
Source and check
Source
foldapp.com
Wording at the source
| Per Purchase | $0 |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Cross-border fee | unknown | unknown |
| Withdrawal fee | unknown | unknown |
| Activation fee | unknown | unknown |
| Minimum top-up | unknown | unknown |
| Declined payment fee | unknown | unknown |
| Refund fee | unknown | unknown |
| Inactivity fee (differs) |
0.00 EUR
cryptopay.me checked 29 Oct 2026
Source and check
Source
cryptopay.me
Wording at the source
Dormancy fee (charged monthly after 1 year of card inactivity) 0Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
0.00 USD
foldapp.com checked 28 Oct 2026
Source and check
Source
foldapp.com
Wording at the source
| Inactivity Fee | $0 | Card Account becomes inactive when you fail to initiate a transaction for 6 consecutive months. Fee is charged on a per month basis. |Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Minimum monthly spend | unknown | unknown |
| Inactivity rule (differs) | unknown |
The card account becomes inactive after 6 consecutive months without a transaction initiated by the cardholder; the inactivity fee is $0.
foldapp.com checked 29 Oct 2026
Source and check
Source
foldapp.com
Wording at the source
| Inactivity Fee | $0 | Card Account becomes inactive when you fail to initiate a transaction for 6 consecutive months. Fee is charged on a per month basis. |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Card replacement (differs) | unknown |
5.00 USD (Lost or stolen cards, standard delivery; expired cards are replaced free; waived for Fold Reserve members.)
foldapp.com checked 28 Oct 2026
Source and check
Source
foldapp.com
Wording at the source
| Replacement Card (Standard Delivery) | $5.00 | Per replacement card ordered. This fee is for lost or stolen Cards only. No fee will be incurred to replace expired Cards. This fee is waived for Fold...Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Rewards | ||
| Cashback (differs) | unknown | 0.25 % (level 0); 0.25 % (level 5,000); 0.5 % (level 15,000); 1 % (level 25,000); 1.5 % (level 50,000); 2 % (level 75,000); 3 % (level 100,000) · in BTC |
| Referral bonus (invited friend) (differs) | unknown |
10 USD
support.foldapp.com checked 29 Oct 2026
Source and check
Source
support.foldapp.com
Wording at the source
## What does the referral-receiver receive? - Your referral gets $10 of bitcoin with their first Fold Debit Card purchase of at least $25. - 100 spinsChecked Verified Value wrong? History What does [s] mean? |
| Referral bonus (you) (differs) | unknown |
$5 of bitcoin when the referral spends $25 from their Fold balance, plus 100 spins and Spin Squad earnings of 1–50 sats on qualifying bitcoin purchases or Fold Debit Card use.
support.foldapp.com checked 29 Oct 2026
Source and check
Source
support.foldapp.com
Wording at the source
## What does the referral-giver receive? - You earn $5 of bitcoin when your referral spends $25 from their Fold balance. - Pro-tip: Suggest your friend purchases a Gift Card. Simplest, fastest, and...Checked Verified Value wrong? History What does [s] mean? |
| Welcome bonus | unknown | unknown |
Highlighted rows differ.
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