Ledger
Zypto Card
Zypto CardZypto Card
VisaVirtual and plasticSince 2023Asks for everythingOperational
Crypto-native Classic Visa from the Zypto wallet ecosystem: load 100+ coins from any wallet (no CEX required), spend via Apple Pay / Google Pay, earn ZYP reward points. Prepaid and pre-funded, with conversion locked in at load time.
Total, per $100 spent: $7.55per $100 spent
170 of the 174 priced cards cost less. Among the 113 that ask for exactly as much identity, the median is $1.23. This one takes 6 times that for the same loss of privacy.
Open zypto.comNot a paid link: we earn nothing either way.
Whether to take Zypto Card
In its favour
- Prepaid, pre-funded Classic Visa — no collateral or staking
- Apple Pay and Google Pay supported
- 100+ cryptocurrencies across 20+ blockchains (BTC, ETH, USDT, USDC, SOL, XRP, DOGE, SHIB, etc.)
- Visa network — accepted in 180+ countries
Against it
- Fees increased since last check: 4.5% reload + $6 flat, 2.75% FX, $0.30/tx, $12/month
- Card cost: $15 acquisition + $10 activation + $25–50 shipping (region-dependent)
- Standard KYC (ID + proof of address) — approval takes 3–5 business days, slower than Premium
- Large restricted-country list (30+ countries incl. Russia, Ukraine, Turkey, Balkans region, Iran, Cuba, North Korea — see zypto.com/legal for current list)
Also true, in its favour
- ZYP reward points on card spending (1,000 ZYP = $1)
- Conversion locked at load time, not at checkout
What Zypto Card costs
| Charge | What it costs |
|---|---|
| To get the card | |
| To issue the card | $25.00 |
| Monthly | $12.00 |
| To put money in | |
| To load | 4.5% |
| To spend it | |
| To spend | 0% |
| Per payment, fixed | $0.30 |
| To spend outside the dollar | 2.75% |
| At a cash machine | $4 + 1% per withdrawal, physical card only ($1,000/tx, $3,000/day, $20,000/month) |
| Total, per $100 spent | $7.55 |
Read off zypto.com on July 21, 2026.
Classic Physical VISA: $15 card + $10 activation + $25–50 shipping, $12/month. Reload/top-up: $6 + 4.5%. POS/online: $0.30/tx. FX (non-USD): 2.75%. ATM: $4 + 1% ($1,000/tx, $3,000/day, $20,000/month). Max card load $150,000. ZYP points: 1,000 = $1.
KYC: what Zypto 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
Monthly spend$525,000
Per payment$150,000
Maximum balance$150,000
Cash, per day$3,000
Not published by the issuer: daily spend.
Confirmed on zypto.com on July 21, 2026. A figure told to one person in a chat window is not a published limit, so it does not appear here.
Where it works
WalletsApple Pay and Google Pay
Accepted whereOnline, in person, cash machines
Account detailsNone — it is a card, not an account
Coins in15BTC, ETH, USDT, USDC, DAI, BNB, XRP, SOL, TRX, AVAX, MATIC, DOGE, SHIB, DASH, XLM
Chains12Bitcoin, Ethereum, BSC, Solana, Tron, Polygon, Arbitrum, Optimism, Base, Avalanche, XRP Ledger, Stellar
Closed to residents of 30 countries, according to the issuer's own terms.
- Afghanistan
- Albania
- Belarus
- Bosnia and Herzegovina
- Central African Republic
- Congo (DRC)
- Croatia
- Cuba
- Ethiopia
- Iran
- Iraq
- Lebanon
- Libya
- Mali
- Montenegro
- Myanmar
- Nicaragua
- North Korea
- Palestine
- Russia
- Serbia
- Somalia
- South Sudan
- Sudan
- Syria
- Turkey
- Ukraine
- Venezuela
- Yemen
- Zimbabwe
The other flaws
- No traditional cashback — ZYP points instead
- ATM withdrawal: $4 + 1% (physical card only)
- Trustpilot page blocked by bot-check at time of check — score/count not verifiable
How we checked this
Thirteen fields are tracked for every service, and on this record all thirteen carry a figure read off zypto.com on July 21, 2026.
- Issuer's page
- Cost per $100 · Loading charge · Currency conversion · Per-payment charge · Issuance · Monthly · Cash machine charge · Spending limits · Maximum balance · Apple Pay and Google Pay
- Sign-up flow
- Identity level
- Live check
- Operating status
- Terms
- Countries closed
Nothing here came from a press release, an affiliate sheet, or another comparison site.
Open zypto.comNot a paid link: we earn nothing either way.
Alternatives to Zypto Card
Takes $4.55 less on every $100 spent.
BitPay CardBitPay CardMastercardVirtual and plasticAsks for everythingIssues reported3% outside the dollar. 1 fee field is not published.AG7 Sept$3.00per $100 spent
BitPay CardBitPay CardMastercardVirtual and plasticAsks for everythingIssues reported3% outside the dollar. 1 fee field is not published.AG7 Sept$3.00per $100 spentTakes $1.35 less on every $100 spent.
BitfreeBitfreeVisaVirtual onlyAsks for everythingIssues reported$6.20 fixed. 3 fee fields are not published.AG9 Sept$6.20per $100 spent
BitfreeBitfreeVisaVirtual onlyAsks for everythingIssues reported$6.20 fixed. 3 fee fields are not published.AG9 Sept$6.20per $100 spent