Name: CEX.IO Card Crypto Card
Brand: CEX.IO Card

Take it?Costs Asks for Limits Where it works Flaws How we checked Alternatives

Ledger

CEX.IO Card

MastercardVirtual only

Asks for everythingOperational

Instead of a single funding currency, you attach up to five digital assets to the card and rank them. Each purchase debits from your first choice, and when it runs short the system automatically takes the shortfall from the next asset in your list — so a payment goes through across several holdings at once without you converting anything in advance.

Total, per $100 spent: not published

The issuer does not publish enough of its charges for us to price this card. That is not the same as cheap.

Open cex.ioNot a paid link: we earn nothing either way.

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Whether to take CEX.IO Card

In its favour

The card draws on the balance you already hold on a long-established exchange rather than requiring a separate wallet or top-up flow
You can link up to five digital assets to the card and set the order in which they are debited, with automatic fallback when one runs short
Conversion happens automatically at the moment of the card transaction — no manual sell step, no waiting for settlement
Binding assets to the card does not lock them: you can still trade or withdraw them freely

Against it

We could not verify a single fee. All card pricing lives in the Limits and Commissions table, which is loaded client-side and served behind a regional block, so issuance, monthly, currency mark-up and ATM figures are all unconfirmed here
The card is EEA-residents-only: no access from Turkey, Russia, Brazil or anywhere else outside the European Economic Area
Virtual only — the terms state plainly that the card is issued only as an electronic record and does not exist in plastic form
The card cannot be redeemed for cash and cannot make deposits at a cash machine

Also true, in its favour

The card is issued by Quicko sp. z o.o., a Polish National Payment Institution holding licence number IP52/2021 — a named, supervised issuer, not a shell
Contractual chain is fully disclosed: CEX.IO Europe, S.L. registered with the Bank of Spain, Quicko as issuer, both with addresses and contacts published
Contactless payments work through the NFC module, including Google Pay and Apple Pay devices
Quicko runs a 24/7 hotline for card issues on top of CEX.IO's own support
A technical overdraft is granted rather than a failed transaction when crypto volatility briefly takes the balance negative through no fault of yours
The card is available across the whole EEA, not just one country
The card terms are a proper legal document, updated December 2025, with defined obligations for both sides
The exchange behind it operates under a published set of licences and PCI DSS Level 1 audits

What CEX.IO Card costs

CEX.IO Card publishes no fee schedule at all — not one of these charges is named on cex.io. That is why this record carries no price: the ledger says so rather than estimating one.

Not published by the issuer: to issue the card, monthly, to load, to spend, per payment, fixed, to spend outside the dollar, at a cash machine.

We were unable to verify any fee for this card from a primary source, so every fee field here is deliberately left empty. CEX.IO publishes card pricing exclusively in its Limits and Commissions table — the terms confirm the table contains the virtual card issuing fee, monthly fee, currency mark-up and ATM operations rows — but that table is rendered client-side and the card page itself is served behind a regional block, so we could not read the numbers. What the terms do state without ambiguity: the card is virtual only, issued by Quicko sp. z o.o. under Polish payment-institution licence IP52/2021, available exclusively to EEA residents with a fully verified CEX.IO account, cannot be redeemed for cash, expires at the end of the calendar month shown on it, and may incur a separate fee for terminating the service. Conversion between your linked assets and the merchant's currency happens automatically at CEX.IO's own rate, which means the practical cost of spending is a conversion spread that is never itemised on the statement.

KYC: what CEX.IO Card asks for

Full verification: a document, a photograph of your face and proof of your address. The same file a bank opens on you, held by a company that is not a bank.

Asks nothing7 cards

An email18 cards

A light check — a name and a phone, unverified9 cards

A document102 cards

Everything — document, face, address114 cards

Limits on spending

CEX.IO Card publishes no spending limits at all.

Where it works

WalletsApple Pay and Google Pay

Accepted whereOnline and in person

Account detailsNone — it is a card, not an account

The issuer names no country it turns away. That is not a promise that every country works.

The other flaws

The balance is fully custodial: your assets sit on the exchange, and CEX.IO can restrict, suspend or terminate the card at its sole discretion without explanation
The conversion happens at CEX.IO's own quoted rate, so the real cost of spending is a spread you never see itemised
The card is valid only until the last day of the calendar month printed on it, and is not renewed after that
CEX.IO can charge a fee simply for terminating your card service, in an amount published only in the fee table
A registered, fully identified and verified account is required, so full KYC is unavoidable
You cannot request an additional card for another person or add authorised users
Card terms are governed by Polish law with disputes routed to Polish arbitral tribunals, and the Quicko framework agreement overrides CEX.IO's own terms in any conflict
Gambling transactions may be refused by the issuer unless conducted under the Polish Gambling Act

How we checked this

Thirteen fields are tracked for every service. 3 of them carry a figure we read off cex.io on July 31, 2026.

Sign-up flow: Identity level
Live check: Operating status
Issuer's page: Apple Pay and Google Pay
The issuer does not publish: Cost per $100 · Loading charge · Currency conversion · Per-payment charge · Issuance · Monthly · Cash machine charge · Spending limits · Maximum balance · Countries closed

Nothing here came from a press release, an affiliate sheet, or another comparison site.

Open cex.ioNot a paid link: we earn nothing either way.

Alternatives to CEX.IO Card

This one we could price: $0.00 per $100 spent.

Exodus Spend CardExodus Spend CardMastercardVirtual onlyAsks for everythingOperationalNothing at the door, nothing abroad, nothing monthly. One of 41 cards that cost nothing.AG31 Jul$0.00per $100 spent

This one we could price: $1.50 per $100 spent.

Fiwind CardFiwind CardMastercardVirtual onlyAsks for everythingOperationalFree to load. 1.5% outside the dollar.AG9 Sept$1.50per $100 spent

This one we could price: $0.10 per $100 spent.

OKX CardOKX CardMastercardVirtual onlyAsks for everythingOperational0.1% when you load.AG7 Sept$0.10per $100 spent