Basicszypto-premium-visa-card
- Card form
-
prepaid
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
Wording at the source
The Zypto Premium VISA Card is a prepaid card: you load it from your crypto in Zypto App before you spend, and you spend the balance you loaded.
Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? - Card types
-
virtual, physical
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
Wording at the source
Get your card. Load your crypto. Hit the real world. The Zypto Premium VISA Card comes physical and virtual, loads with 100+ cryptocurrencies, and lets you use your crypto for real-world spending wher...
Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? - Card network
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Visa
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
Wording at the source
Yes. It is a real Visa card you load with crypto in advance and spend as local currency wherever Visa is accepted, in-store, online, at ATMs and via Apple Pay and Google Pay.
Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? - Custody
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custodial
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
Wording at the source
Upon load. Your crypto converts to local currency when you load the card in Zypto App, on your timing, not at the checkout. The balance you load is what you spend.
Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? - Funding model
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fiat balance
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
Wording at the source
Your crypto converts to local currency when you load the card, on your timing, upon load, not at the checkout. Top up in Zypto App, then use your card wherever Visa is accepted.
Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? - Card currencies
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USD
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
Wording at the source
- Physical and Virtual: 1.75% on non-USD transactions
Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? - Usage
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personal
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
Wording at the source
- You will use the Zypto Card for personal, family, or household use.
Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? - Mobile wallets
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Apple Pay
Google Pay
Samsung Pay
help.zypto.com checked 29 Oct 2026
Source and check
Source
help.zypto.com
Wording at the source
Premium cards are available as both virtual and physical, and share the same features: 3D Secure, mobile wallet support (Apple Pay, Google Pay, Samsung Pay), full in-app management, and Visa Signature...
Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? - ATM withdrawals
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Yes
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
Wording at the source
- Physical: minimum $10.00 per withdrawal, maximum $250 per withdrawal - Physical: maximum $750 per day, 3 withdrawals per day - Physical: maximum $22,500 per month, 90 withdrawals per month - Virtual...
Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? - Contactless
-
Yes
help.zypto.com checked 29 Oct 2026
Source and check
Source
help.zypto.com
Wording at the source
- Your physical card ships within 1 business day, giving you full ATM access and in-store tap-to-pay on top of everything the virtual card offers.
Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Fees and cashback
| Attribute | Value |
|---|---|
| Fees | |
| Virtual card issuance |
0.00 USD
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
Wording at the source
### Acquisition fee - Physical: not applicable - Virtual: $0Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Physical card issuance |
50.00 USD
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
Wording at the source
### Card cost - Physical: $50.00, includes activation and shipping - Virtual: not applicableChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Shipping | unknown |
| Monthly fee |
0.00 USD
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
Wording at the source
### Monthly fee - Physical and Virtual: $0Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Annual fee |
0.00 USD
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
Wording at the source
| Annual Fees | 0$ |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Top-up fee |
3 %
help.zypto.com checked 29 Oct 2026
Source and check
Source
help.zypto.com
Wording at the source
| Card load fee | 3% |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? ↳ Topping up 100.00 USD: 3.00 USD ↳ Topping up 1,000.00 USD: 30.00 USD |
| Crypto deposit fee | unknown |
| Crypto conversion fee |
3 %
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
Wording at the source
### Crypto conversion fee - Physical and Virtual: 3%Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Minimum conversion | unknown |
| Foreign currency fee |
1.75 %
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
Wording at the source
### FX fee - Physical and Virtual: 1.75% on non-USD transactionsChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Minimum FX fee | unknown |
| ATM fee |
1 %
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
Wording at the source
### ATM withdrawal fee - Physical: 1% - Virtual: not applicable, the Virtual card does not support ATM withdrawalChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? ↳ Withdrawing 200.00 USD at an ATM: 2.00 USD |
| 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
Source and check
Source
zypto.com
Wording at the source
Multiplier amounts and the perks each level unlocks are shown under Perks in the app, and can change over time.Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? |
Amounts in your display currency are approximations (hover or tap for the original and the rate) · exchange rate of
KYC and limits
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ID + proof of address
ID and a recent proof of address
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SumSub verification at Zypto
review time usually a few minutes
help.zypto.com checked 29 Oct 2026 Source and check Source help.zypto.com Wording at the source
# Before You Start Have the following ready: - A valid government-issued photo ID (passport, national ID, or driver's licence), not expired - Proof of address (utility bill or bank statement, issued...
Checked Verified Value wrong? No earlier versions What does [s] mean?Requires: E-mail, Phone number, Name and date of birth, Address, ID document, Selfie / liveness, Proof of address
Government-issued photo ID must be current and unexpired; proof of address must be issued within the last 3 months.
-
| Limits | Value | Card |
|---|---|---|
| Spending per month |
1,000,000 USD
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
Wording at the source
### Monthly spend limit - Physical: $1,000,000 - Virtual: high limits, subject to eligibility and applicable limitsChecked Verified Value wrong? No earlier versions What does [s] mean? |
physical card |
| ATM per transaction |
250 USD
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
Wording at the source
- Physical: minimum $10.00 per withdrawal, maximum $250 per withdrawalChecked Verified Value wrong? No earlier versions What does [s] mean? |
physical card |
| ATM per day |
750 USD
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
Wording at the source
- Physical: maximum $750 per day, 3 withdrawals per dayChecked Verified Value wrong? No earlier versions What does [s] mean? |
physical card |
| ATM per day (number) |
3×
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
Wording at the source
- Physical: maximum $750 per day, 3 withdrawals per dayChecked Verified Value wrong? No earlier versions What does [s] mean? |
physical card |
| ATM per month |
22,500 USD
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
Wording at the source
- Physical: maximum $22,500 per month, 90 withdrawals per monthChecked Verified Value wrong? No earlier versions What does [s] mean? |
physical card |
| ATM per month (number) |
90×
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
Wording at the source
- Physical: maximum $22,500 per month, 90 withdrawals per monthChecked Verified Value wrong? No earlier versions What does [s] mean? |
physical card |
| Single payment per transaction |
175,000 USD
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
Wording at the source
### Per-transaction limit - Physical: $175,000, swipe and online - Virtual: high limits, subject to eligibility and applicable limitsChecked Verified Value wrong? No earlier versions What does [s] mean? |
physical card |
KYC: ID + proof of address Zypto states that it does not offer a KYC-free card.
When is KYC needed?
- Risk reviewAfter a risk review at its own discretion, Zypto repeats the identity verification.
help.zypto.com checked 29 Oct 2026
Source and check
Source
help.zypto.com
Wording at the source
In rare cases, you may be asked to resubmit your documents. This usually happens if there was an issue with the original submission (for example, a document wasn't legible enough for automated checks)...
Checked Verified Value wrong? History What does [s] mean?
Availability
| Attribute | Value |
|---|---|
| Available in |
|
| 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
Source and check
Source
zypto.com
Wording at the source
Beginning March 12, 2026, Zypto will cease onboarding new consumer cardholders with addresses in Missouri, Mississippi, or Tennessee, as well as new corporate entities incorporated or registered in th...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
Key countries
- 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
✓ available · ✗ not available · ? not known from the sources
Point at or tap a country.
Crypto
| Attribute | Value |
|---|---|
| Supported assets |
BTC, ETH, USDC, SOL
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
Wording at the source
A premium black physical card for everyday spend, plus an instant virtual card for online and Apple / Google Pay. Both fund from 100+ cryptocurrencies including BTC, ETH, USDC and SOL.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Number of supported assets |
100
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
Wording at the source
A premium black physical card for everyday spend, plus an instant virtual card for online and Apple / Google Pay. Both fund from 100+ cryptocurrencies including BTC, ETH, USDC and SOL.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| 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.
- How:
- invite link, in the app
all cards of ZyptoEarn a share of your referral's transaction volume for as long as they use Zypto. It starts the moment they download the app through your link, with no steps required.
Checked Verified What does [s] mean? -
You (referrer)
25 USD
- Conditions:
- Paid when the referred person buys a Vault Key Card.
- How:
- invite link, in the app
all cards of ZyptoIf someone you refer buys a Vault Key Card, you earn an extra $25 in ZYPs on top of your other rewards.
Checked Verified What does [s] mean? -
You (referrer)
5 USD
- Cap:
- 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.
- How:
- invite link, in the app
all cards of ZyptoWhen someone you refer completes the required steps, you each earn $5 in ZYPs. Simple, sharp and endlessly repeatable.
Checked Verified What does [s] mean? -
Invited friend
5 USD
- Cap:
- 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.
- How:
- invite link, in the app
all cards of ZyptoWhen someone you refer completes the required steps, you each earn $5 in ZYPs. Simple, sharp and endlessly repeatable.
Checked Verified What does [s] mean?
Trust
| Attribute | Value |
|---|---|
| Issuer / BIN sponsor |
Third National
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
Wording at the source
"Issuer" refers to the issuer of the card program. The issuer for this card program is Third National.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Program manager | unknown |
| Headquarters | unknown |
| Support channels | unknown |
-
Card since 2025-03-04
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
Wording at the source
Read article Z Zypto Zypto 4 Mar 2025 3 min read Share
Checked Verified
Issuer
Third National (United States)
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
Wording at the source
"Issuer" refers to the issuer of the card program. The issuer for this card program is Third National.Checked Verified Registered name: Nimbus LLC legal.raincards.xyz checked 29 Oct 2026 Source and check Source legal.raincards.xyz Wording at the source
Third National services: Nimbus LLC, doing business as Third National and Third National LLC, is a licensed lender, money transmitter and Visa-authorized card issuer that provides card issuance, payme...Checked Verified Register number: NMLS 2612780 nimbuslending.com checked 30 Oct 2026 Source and check Source nimbuslending.com Wording at the source
Nimbus LLC dba Third National is licensed as a Money Transmitter by the Commissioner of Financial Institutions of Puerto Rico. NMLS #2612780.Checked Verified Issues 20 card programmes in our catalogue
Company
| Headquarters | Poland
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
Wording at the source
This policy relates to the website www.zypto.com, owned by Zypto Sp Z.o.o., a limited company incorporated under the laws of Poland, with registered seat in Lodz, NIP 7252333408, KRS 0001047932, and e...Checked Verified |
|---|---|
| Legal form | limited company
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
Wording at the source
This policy relates to the website www.zypto.com, owned by Zypto Sp Z.o.o., a limited company incorporated under the laws of Poland, with registered seat in Lodz, NIP 7252333408, KRS 0001047932, and e...Checked Verified |
| Register | KRS
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
Wording at the source
This policy relates to the website www.zypto.com, owned by Zypto Sp Z.o.o., a limited company incorporated under the laws of Poland, with registered seat in Lodz, NIP 7252333408, KRS 0001047932, and e...Checked Verified |
| Registered address | Lodz
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
Wording at the source
This policy relates to the website www.zypto.com, owned by Zypto Sp Z.o.o., a limited company incorporated under the laws of Poland, with registered seat in Lodz, NIP 7252333408, KRS 0001047932, and e...Checked Verified |
Card history
| Card launched | 2025-03-04
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
Wording at the source
Read article Z Zypto Zypto 4 Mar 2025 3 min read ShareChecked Verified |
|---|
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
Licences
No licences captured yet.
What users report
No community reports evaluated yet.
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.
Methodology and weights-
CostsWeight 25 %16.8 of 25 points
monthly/annual fee, top-up, FX and ATM fees
-
KYC and privacyWeight 20 %3.5 of 20 points
KYC class needed, KYC-free allowance
-
FeaturesWeight 15 %13.2 of 15 points
wallets, physical card, ATM, assets, chains
-
AvailabilityWeight 10 %9.7 of 10 points
number of countries, EU/US/UK
-
RewardsWeight 10 %10.0 of 10 points
cashback considering caps and staking requirements
-
TrustWeight 10 %7.6 of 10 points
licences, incidents, company and card age, issuer, ownership, security, transparency
Trust in detail
- LicencesWeight 15 % not scored
- Company age (up to 5 years)Weight 10 % not scored
- Card on the market (up to 3 years)Weight 10 % 55
- IssuerWeight 15 % 60
- OwnershipWeight 10 % not scored
- Security evidenceWeight 15 % not scored
- TransparencyWeight 10 % 86
- Incidents (12 months)Weight 15 % 100
-
CommunityWeight 10 %not scored counts with the median (5.0)
ratings and reports, damped, neutral with too little data
Early warning
Alerts for this card
We tell you what changes at Zypto Card and Zypto, with evidence for every alert.
Changelog
Score changed from 64.61 to 65.79.
Score changed from 59.91 to 64.61.
Score changed from 64.7 to 59.91.
Score changed from 65.82 to 64.7.
New: Referral bonus · Invited friend.
New: Referral bonus · You (referrer).
Market launch: March 4, 2025.
New: Referral bonus · You (referrer).
New: Referral bonus · You (referrer).
Headquarters: Poland.
Score changed from 60.37 to 65.82.
Score changed from 53.08 to 60.37.
Score changed from 58.25 to 53.08.
Changes to KYC levels and requirements.
Changes to limits.
Score changed from 51.5 to 58.25.
New logo.
Changes to licences.
Apply for Zypto Card directly with the provider.
All information without guarantee; the provider’s terms are binding. No investment or financial advice: scores are methodical comparisons, not recommendations.