TL;DR.Zypto Card is a Visa crypto debit card (Virtual + Physical, KYC: Full KYC). Cost per $100 spent: $7.55. Top-up fee 4.5%, FX fee 2.75%. Wallet support: Apple Pay + Google Pay. Status: operational. Last verified: July 21, 2026.
CARD PROFILE · FULL KYC
Zypto Card.
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.
Cost / $100
$7.55
Top-up fee
4.5%
Network
Visa
Card type
Virtual + Physical
IBAN
No
Monthly limit
$525K
Status
Operational
Pros.
- +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
- +ZYP reward points on card spending (1,000 ZYP = $1)
- +Conversion locked at load time, not at checkout
Cons.
- −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)
- −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
FEE BREAKDOWN
Detailed fee breakdown.
Top-up fee
4.5%
Transaction fee
0%
FX fee
2.75%
Issuance
$25
Monthly
$12
Cost / $100
$7.55
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.
COVERAGE
Where it works.
Supported coins
BTCETHUSDTUSDCDAIBNBXRPSOLTRXAVAXMATICDOGESHIBDASHXLM
Chains
BitcoinEthereumBSCSolanaTronPolygonArbitrumOptimismBaseAvalancheXRP LedgerStellar
Use cases
Online · IRL · ATM
Blocked countries
AFALBABYMMCFCUKPCDETIRIQLBLYMLMENIRURSSOSSSDSYTRUAVEYEZWHRPS
WALLETS
Apple PayYes
Google PayYes
ATMYes
REPUTATION
Trustpilot
—/5
0 reviews
Monetiro score
93/100
Verified July 21, 2026
ALTERNATIVES