# Zypto Card

by Zypto · checked 29 Oct 2026 · updated 29 Oct 2026

Website: [zypto.com](https://zypto.com)

## Facts

- Zypto Card is a Visa prepaid card from Zypto.
- Zypto Card has no monthly fee.
- Zypto Card has no annual fee.
- A virtual version costs 0.00 USD, a physical one 50.00 USD.
- Payments in foreign currencies cost 1.75 %.
- Topping up costs 3 %.
- ATM withdrawals cost 1 %.
- It works with Apple Pay, Google Pay, Samsung Pay.
- Custody: custodial.
- Supported assets: BTC, ETH, USDC, SOL.
- Issuer / BIN sponsor: Third National.

## Basics

| Attribute | Value | Applies to | Source |
| --- | --- | --- | --- |
| Card form | prepaid |  | zypto.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Card types | virtual, physical |  | zypto.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Card network | Visa |  | zypto.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Custody | custodial |  | zypto.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Funding model | fiat balance |  | zypto.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Card currencies | USD |  | zypto.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Usage | personal |  | zypto.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Limits depend on | unknown |  |  |
| Cards per account | unknown |  |  |
| ↳ Physical card | 1 |  | zypto.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Mobile wallets | Apple Pay, Google Pay, Samsung Pay |  | help.zypto.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| ATM withdrawals | Yes |  | zypto.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Contactless | Yes |  | help.zypto.com (checked 29 Oct 2026 · verified 29 Oct 2026) |

## Fees and cashback

| Attribute | Value | Applies to | Source |
| --- | --- | --- | --- |
| **Fees** |  |  |  |
| Virtual card issuance | 0.00 USD |  | zypto.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Physical card issuance | 50.00 USD |  | zypto.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Shipping | unknown |  |  |
| Monthly fee | 0.00 USD |  | zypto.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Annual fee | 0.00 USD |  | zypto.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Top-up fee | 3 % |  | help.zypto.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Crypto deposit fee | unknown |  |  |
| Crypto conversion fee | 3 % |  | zypto.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Minimum conversion | unknown |  |  |
| Foreign currency fee | 1.75 % |  | zypto.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Minimum FX fee | unknown |  |  |
| ATM fee | 1 % |  | zypto.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Merchant-specific fee | unknown |  |  |
| Transaction fee | unknown |  |  |
| Cross-border fee | unknown |  |  |
| Withdrawal fee | unknown |  |  |
| Activation fee | unknown |  |  |
| Minimum top-up | unknown |  |  |
| Declined payment fee | unknown |  |  |
| Refund fee | unknown |  |  |
| Inactivity fee | unknown |  |  |
| Minimum monthly spend | unknown |  |  |
| Inactivity rule | unknown |  |  |
| Card replacement | unknown |  |  |
| Plan waivers | unknown |  |  |
| **Cashback & rewards** |  |  |  |
| Cashback | only in the app |  | zypto.com (checked 29 Oct 2026 · verified 29 Oct 2026) |

## KYC and limits

KYC: ID + proof of address

### ID + proof of address

- SumSub verification at Zypto — Requires: E-mail, Phone number, Name and date of birth, Address, ID document, Selfie / liveness, Proof of address — help.zypto.com (checked 29 Oct 2026 · verified 29 Oct 2026)

| Limits | Value |
| --- | --- |
| Spending per month (physical card) | 1,000,000 USD |
| ATM per transaction (physical card) | 250 USD |
| ATM per day (physical card) | 750 USD |
| ATM per day (physical card, number) | 3× |
| ATM per month (physical card) | 22,500 USD |
| ATM per month (physical card, number) | 90× |
| Single payment per transaction (physical card) | 175,000 USD |

### When is KYC needed?

- After a risk review at its own discretion, Zypto repeats the identity verification. — help.zypto.com (checked 29 Oct 2026 · verified 29 Oct 2026)

## Availability

| Attribute | Value | Applies to | Source |
| --- | --- | --- | --- |
| Available in | unknown |  |  |
| ↳ by residence | Not available in 18 countries and regions |  | zypto.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Residency requirement | New consumer onboarding is suspended for residential addresses in Missouri, Mississippi and Tennessee; existing accounts in those states were to be closed by April 27, 2026. |  | zypto.com (checked 29 Oct 2026 · verified 29 Oct 2026) |

| Country | Available |
| --- | --- |
| Germany | available |
| Austria | available |
| Switzerland | available |
| United States | available |
| United Kingdom | available |
| France | available |
| Spain | available |
| Italy | available |
| Netherlands | available |
| Türkiye | not available |
| Brazil | available |
| Nigeria | available |
| India | not available |
| United Arab Emirates | available |
| Singapore | available |

## Crypto

| Attribute | Value | Applies to | Source |
| --- | --- | --- | --- |
| Supported assets | BTC, ETH, USDC, SOL |  | zypto.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Number of supported assets | 100 |  | zypto.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Top-up networks | unknown |  |  |
| Spending order | unknown |  |  |
| Fiat top-up | unknown |  |  |

## Bonuses and promotions

What Zypto offers itself: referral bonus, welcome bonus, running promotions and partner programme. Values of the provider, with source; no affiliate link in it.

- Referral bonus · You (referrer): Up to 0.1% of the referred user's transaction volume for as long as they use Zypto · Conditions: Starts when the referred user downloads the app through the referral link; no qualifying steps are required. · invite link, in the app — zypto.com
- Referral bonus · You (referrer): 25 USD · Conditions: Paid when the referred person buys a Vault Key Card. · invite link, in the app — zypto.com
- Referral bonus · You (referrer): 5 USD · max. 10 referrals (per week) · Conditions: The referred person must create a DeFi wallet, register it in the Rewards Hub, subscribe to the newsletter, and reach $300 in total swaps. Extra referrals roll over to the following week. · invite link, in the app — zypto.com
- Referral bonus · Invited friend: 5 USD · max. 10 referrals (per week) · Conditions: Create a DeFi wallet, register it in the Rewards Hub, subscribe to the newsletter, and reach $300 in total swaps. Extra referrals roll over to the following week. · invite link, in the app — zypto.com

## Trust

| Attribute | Value | Applies to | Source |
| --- | --- | --- | --- |
| Issuer / BIN sponsor | Third National |  | zypto.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Program manager | unknown |  |  |
| Headquarters | unknown |  |  |
| Support channels | unknown |  |  |

## Company and trust

- Brand on record since 03/2024
- Domain older than the brand (registered 11/2023)
- Card since 2025-03-04

### Company

- Headquarters: Poland (Source: zypto.com)
- Legal form: limited company (Source: zypto.com)
- Register: KRS (Source: zypto.com)
- Registered address: Lodz (Source: zypto.com)

### Card history

- Card launched: 2025-03-04 (Source: zypto.com)

### Issuer

- Third National (United States)
- Registered name: Nimbus LLC
- Register number: NMLS 2612780
- Issues 20 card programmes in our catalogue

### Transparency

- Transparency 86 %
- 0 of 19 key values not published
- Imprint / company details: no
- Public fee schedule: yes
- Cardholder agreement: yes
- Terms and conditions: yes
- Terms with version or date: yes
- Sources last checked 2026-10-29

## How the score is made up

65.79 of 100 · good. Weighted sum of the criteria, each 0 to 100 from proven values. A criterion without data is not scored and counts neutral, not as 0.

| Criterion | Weight | Part (0–100) | Points |
| --- | --- | --- | --- |
| Costs | 25 % | 67 | 16.8 |
| KYC and privacy | 20 % | 18 | 3.5 |
| Features | 15 % | 88 | 13.2 |
| Availability | 10 % | 97 | 9.7 |
| Rewards | 10 % | 100 | 10.0 |
| Trust | 10 % | 76 | 7.6 |
| Community | 10 % | not scored | counts with the median (5.0) |

## Changelog

- 29 Oct 2026: Score changed from 64.61 to 65.79.
- 29 Oct 2026: Score changed from 59.91 to 64.61.
- 29 Oct 2026: Score changed from 64.7 to 59.91.
- 29 Oct 2026: Score changed from 65.82 to 64.7.
- 29 Oct 2026: New: Referral bonus · Invited friend.
- 29 Oct 2026: New: Referral bonus · You (referrer).
- 29 Oct 2026: Market launch: March 4, 2025.
- 29 Oct 2026: New: Referral bonus · You (referrer).
- 29 Oct 2026: New: Referral bonus · You (referrer).
- 29 Oct 2026: Headquarters: Poland.
- 29 Oct 2026: Score changed from 60.37 to 65.82.
- 29 Oct 2026: Score changed from 53.08 to 60.37.
- 29 Oct 2026: Score changed from 58.25 to 53.08.
- 29 Oct 2026: Changes to KYC levels and requirements.
- 29 Oct 2026: Changes to limits.
- 29 Oct 2026: Score changed from 51.5 to 58.25.
- 29 Oct 2026: New logo.
- 29 Oct 2026: Changes to licences.

Found an error or a missing value? Report it with a source: https://cryptocardss.com/en/zypto-premium-visa-card/report-an-error/

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- **Canonical URL:** https://cryptocardss.com/en/zypto-premium-visa-card/
- **As of:** 30 Oct 2026
- **Data licence:** CC BY 4.0 (https://creativecommons.org/licenses/by/4.0/)

Please cite: Source: cryptocardss.com (cryptovss), as of 30 Oct 2026, https://cryptocardss.com/en/zypto-premium-visa-card/