TL;DR.Zypto Premium is a Visa crypto debit card (Virtual + Physical, KYC: Light KYC). Cost per $100 spent: $5.05. Top-up fee 3%, FX fee 1.75%. Wallet support: Apple Pay + Google Pay. Status: Operational. Last verified: July 21, 2026.
CARD PROFILE · LIGHT KYC
Zypto Premium.
$0/month Visa Signature crypto card with $1M monthly limit and lounge / concierge / travel-insurance benefits — closer to a private banking card than a typical crypto debit card, while still funded directly from a self-custody wallet.
Cost / $100
$5.05
Top-up fee
3%
Network
Visa
Card type
Virtual + Physical
IBAN
No
Monthly limit
$1M
Status
Operational
Pros.
- +$0 monthly fee on both Virtual and Physical Premium ($0 acquisition on Virtual; Physical is $50 incl. activation & shipping)
- +Up to $1,000,000 monthly spend, $175,000 per swipe / online tx
- +ATM withdrawals up to $22,500/month at any Visa ATM (1% fee, physical only)
- +Visa Signature perks: airport lounge access, concierge, travel insurance, purchase protection
- +Apple Pay and Google Pay supported
- +Fast KYC — typically minutes
- +100+ coins across 20+ chains; load directly from any wallet
Cons.
- −3% off-ramp (load) fee + 1.75% FX + $0.30/transaction on every load/spend
- −Physical Premium card costs $50 (activation & shipping) — not free like the virtual card
- −No traditional cashback — only ZYP reward points (1,000 ZYP = $1)
- −Restricted for residents of Russia, Belarus, Venezuela, Cuba, Iran, Syria, North Korea, Ukraine, Turkey, Israel, mainland China, India, Vietnam, Nepal, Iraq
- −New US sign-ups blocked in MO, MS, TN since March 2026
- −Full KYC required (ID + PoA ≤ 90 days)
- −No IBAN — Zypto is a card/wallet stack, not a bank account
- −Trustpilot page blocked by bot-check at time of check — score/count not verifiable
FEE BREAKDOWN
Detailed fee breakdown.
Top-up fee
3%
Transaction fee
0%
FX fee
1.75%
Issuance
Free
Monthly
Free
Cost / $100
$5.05
Virtual Premium: $0 acquisition, $0/month, $10 initial load. Physical Premium: $50 total (incl. activation & shipping), $0/month. Both: $0.30/transaction, 3% off-ramp (load), 1.75% FX. ATM (physical only): 1% + $250/tx, $750/day, $22,500/month cap. Spend: up to $1M/month, $175K per tx. Rewards: ZYP points (1,000 = $1).
COVERAGE
Where it works.
Supported coins
BTCETHUSDTUSDCDAIBNBXRPSOLTRXAVAXMATICDOGESHIBDASHXLM
Chains
BitcoinEthereumBSCSolanaTronPolygonArbitrumOptimismBaseAvalancheXRP LedgerStellar
Use cases
Online · IRL · ATM
Blocked countries
RUBYVECUIRSYKPUATRILCNINVNNPIQ
WALLETS
Apple PayYes
Google PayYes
ATMYes
REPUTATION
Trustpilot
—/5
0 reviews
Monetiro score
—/100
Verified July 21, 2026
ALTERNATIVES