Ledger
Zypto Premium
Zypto PremiumZypto Premium
VisaVirtual and plasticSince 2024Asks for everythingOperational
$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.
Total, per $100 spent: $5.05per $100 spent
153 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 4 times that for the same loss of privacy.
Open zypto.comNot a paid link: we earn nothing either way.
Whether to take Zypto Premium
In its favour
- $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
Against it
- 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
Also true, in its favour
- Apple Pay and Google Pay supported
- Fast KYC — typically minutes
- 100+ coins across 20+ chains; load directly from any wallet
What Zypto Premium costs
| Charge | What it costs |
|---|---|
| To get the card | |
| To issue the card | $0.00 |
| Monthly | $0.00 |
| To put money in | |
| To load | 3% |
| To spend it | |
| To spend | 0% |
| Per payment, fixed | $0.30 |
| To spend outside the dollar | 1.75% |
| At a cash machine | $250/tx, $750/day, $22,500/month at any Visa ATM; 1% withdrawal fee (physical card only) |
| Total, per $100 spent | $5.05 |
Read off zypto.com on September 9, 2026.
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).
KYC: what Zypto Premium 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$1,000,000
Per payment$175,000
Cash, per day$750
Not published by the issuer: daily spend, maximum balance.
Confirmed on zypto.com on September 9, 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 15 countries, according to the issuer's own terms.
- Belarus
- China
- Cuba
- India
- Iran
- Iraq
- Israel
- Nepal
- North Korea
- Russia
- Syria
- Turkey
- Ukraine
- Venezuela
- Vietnam
The other flaws
- 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
How we checked this
Thirteen fields are tracked for every service. 12 of them carry a figure we read off zypto.com on September 9, 2026.
- Issuer's page
- Cost per $100 · Loading charge · Currency conversion · Per-payment charge · Issuance · Monthly · Cash machine charge · Spending limits · Apple Pay and Google Pay
- Sign-up flow
- Identity level
- Live check
- Operating status
- Terms
- Countries closed
- The issuer does not publish
- Maximum balance
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 Premium
Takes $3.05 less on every $100 spent.
Crypto.com VisaCrypto.com VisaVisaVirtual and plasticAsks for everythingIssues reported2% outside the dollar. 1 fee field is not published.AG21 Jul$2.00per $100 spent
Crypto.com VisaCrypto.com VisaVisaVirtual and plasticAsks for everythingIssues reported2% outside the dollar. 1 fee field is not published.AG21 Jul$2.00per $100 spent
