Best Crypto Debit Cards [2022]

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You can load your debit card with Cryptocurrencies —and it is as simple as it looks. When you use your crypto debit card at any store, the funds are taken from the Bitcoin balance (with a fee obviously). Today, we will cover the most widely-used active Best Crypto Debit Cards you should keep an eye on 2022

Best Crypto Debit Cards

1. Wirex – Best Choice

Wirex Screenshot - Best Crypto Debit Cards

Based in London, Wirex is a debit card company that lets users exchange several cryptocurrencies seamlessly and spend it at places that accept Visa payments. Presently, users from within the European Economic Area can change their XLM, BTC, NANO, ETH, DAI. XRP, WLO, LTC, and WAVES into one of these currencies: 

  • Singapore dollar (SGD)
  • Swedish Krona (SEK)
  • Mexican Peso (MXN)
  • Japanese Yen (JPY)
  • Hungarian Forint (HUF)
  • Hong Kong Dollar (HKD)
  • Czech Koruna (CZK)
  • Chinese Yuan (CNY)
  • Swiss Franc (CHF)
  • Canadian Dollar (CAD)
  • Australian Dollar (AUD)

Additionally, the Wirex Crypto Debit Card features contact-free payments and a novel program that allows users to get 0.5% crypto-back of their in-store purchases back in their BTC accounts. Users do not even have to apply for this Cryptoback program, they instantly get back 0.5% into their account whenever they purchase in stores. 

Wirex has a real Visa debit card with a PIN and chip. There are no fees with issuing this card, and there is global delivery without a fee with the Wirex card.

However, this is also where a major disadvantage of this cryptocurrency debit card begins. The monthly fee and limit of card balance are higher than other cards. Yet, its widespread availability, freeze account features via mobile apps and fee-less card issuance makes it a good choice. 

2. Coinbase – Most Popular

Coinbase Screenshot - Best Crypto Debit Cards

Coinbase is among the Best Crypto Debit Cards in the world. They issue Coinbase Visa debit card for the Netherlands, the UK, Ireland, Spain, Italy, Germany, and France.

The card is connected to your account on Coinbase and enables you to easily pay through cryptocurrency in stores wherever Visa is accepted.

Since it is linked to the app as well, you can choose which coin to use through the app itself. The card also provides several security features like instant freeze, 2-factor authentication, and more.

There is a fee (4.95 USD) for card issuing and 1-2% ATM fees. Currently, the only con to this crypto card is its availability worldwide. 

3. CryptoPay

cryptopay best bitcoin debit cards

Like Wirex, CryptoPay is based in London that offers contactless prepaid Visa cards. The company is a bit more established than others since it has been around for six years now and boasts over a million users and over 120,000 cards issued.

They also have a lower fee per month, you can stay anonymous and there are no spending limits. However, at the present time, the CryptoPay card can be ordered and used by residents in Russia only, but you can use it anywhere in the world where Visa cards are accepted. The team at CryptoPay is working to launch its card program to all European countries as well.  

Issuing the card with a PIN and chip and getting it sent to your house will cost you 2.50 USD or 15 USD—the former fee is for online cards only.

The card additionally has a service fee per month, which is 1 USD. The fees for domestic and international ATM transactions are at 2.50 USD for domestic and 3.50 USD respectively. When it comes to withdrawal limits, 4,000 is the monthly and 1,500 is the daily limits.

4. BitPay

bitpay best crypto debit cards

BitPay is among the easiest, fastest ways to change cryptocurrency to dollars for shopping. They have an extensive mobile app through which users can manage their money over various platforms.

It was among the most used Crypto DEbit Card in Europe but since Visa made some licensing changes, the prepaid debit cards from BitPay can now only be used in the USA. 

If you want to use BitPay for business, you can. First, you would need to set up a Business account on BitPay and then when you accept Bitcoin Cash and Bitcoin with BitPay, you get bank deposits directly in your chosen currency for a 1% fee for settlement.

This is actually cheaper than the usual debit cards. With BitPay, you can buy credit to spend at retailers who don’t accept cryptocurrency. Some other features involve direct deposits to the bank and compatibility with the Bitcoin Cash wallet and Bitcoin. 

BitPay has a secure wallet with key encryption and multi-sig protection. When users shop, the wallet is additionally protected through the Payment Protocol. It also enabled you to maintain funds over multiple platforms, create different accounts, check out testnet coins, receive payment, proposal, and transfer notifications, and send funds.    

5. MCO Visa

best cryptocurrency debit cards

MCO Visa Crypto card is issued by This crypto card is only presently available in Singapore, but there is a possibility for it to become available in the USA soon. Among the most appealing MCO Visa features are their rewards program.

In order to verify for greater rewards, users need to lock up tokens on MCO, which results in a free card but also benefits a 1% card cashback, a 5% card cashback on 50,000 MCO, 10% cashback for Expedia and Airbnb, and 100% cashback for services such as Netflix and Spotify.  

With MCO Visa, you do not have monthly fees, exciting rewards programs that have 5% cashback and access to airport lounge among others. Just, the whole locking up of huge quantities of MCO tokens means you can’t withdraw much.

Besides, you can top your card with MCO, ETH, XRP, and LTC, which you can then convert into fiat currency to purchase or use for ATM withdrawals. 

6. TenX

tenx best bitcoin debit card

TenX plays a major part in the world of cryptocurrency debit card and debit cards. TenX is among the most widely-used options now available and is the biggest crypto card when it comes to market capture. TenX charges 10 USD as the annual fee and you don’t even need to pay a fee if you spend over 1000 USD in one year. 

TenX has a proprietary app that works as a crypto wallet, where you can save LTC, BTC, and ETH cryptocurrencies. The app can be applied to send and receive those coins in other accounts, but more importantly, it can be linked to a TenX card that allows users to spend their cryptocurrency. The biggest con of this card is that it is only available in Asian-Pacific countries like Hong Kong, Singapore, Thailand, New Zealand, Australia, and Malaysia.     

7. NEXO – Earn Interest on Your Savings

nexo best crypto debit cards mastercard

Nexo became popular as the first company that provided crypto-supported, immediate loans. It enables users to access the value of their crypto without selling their assets. Nexo enables you to take out credit lines in over 45 fiat currencies.

The credit has consented with your cryptocurrency assets; the credit amount you can use is equal to the crypto amount in the Nexo wallet. As the crypto value changes, so do the credit amount you can take. Nexo wallets are supported by Goldman Sachs and are approved by SEO.  

There is no review, application, or credit checks process. Every application is assured to be successful. You additionally would not find any least repayments. Nexo will instantly debit interest from your immediate balance.

Nexo accepts 21 multiple cryptocurrencies in wallets. They incorporate Ripple, Bitcoin, NEO, Ethereum, Bitcoin Cash, Litecoin, Stellar, EOS, and Cardano. If you want 30% dividends, Nexo card payment access, and need 2 million USD worth of bank withdrawals, you will need the process of advanced verification.   

8. Bitwala – German Quality

bitwala screenshot

Bitwala is among the Best Crypto Debit Cards you need to watch out for. It is made in Germany and it is co-founded by the Horizon 2020 program of the European Union. Bitwala is a fully functional Bank Account where you can store your cryptocurrency. It comes with its own MasterCard debit Card.

Through Bitwala you can also exchange crypto to crypto and crypto to fiat instantly. There are no monthly fees to have your bank account and debit card and the exchange fees are only 1%.

Although Bitwala is built around Bitcoin and can be used only for bitcoin storing, trading and spending with Bitwala Debit MasterCard I could not leave them outside of this list. Simply check their website you will understand the seriousness behind this company and the organizations they’re backing them.

I am sure that Bitwala will add more cryptos in the near future so keep an eye on it.

READ ALSO: Top 10 Best Bitcoin Debit Cards


Payment processors are going through a decline, so not a lot of options left. If you live in the UK, Coinbase is your best choice, while non-UK or Europeans can use Wirex, while residents in the US should opt for BitPay. More or less, all these cards, at the end of day, work the same. 

These are the best crypto debit cards for 2022. What is your own favorite? Leave your comment below.

Author Bio

Manan Ghadawala is the founder of 21Twelve Interactive which is one of the best mobile app development company in India and the USA. He is an idealistic leader with a lively management style and thrives raising the company’s growth with his talents. He is an astounding business professional with astonishing knowledge and applies artful tactics to reach those imaginary skies for his clients. His company is also recognized by the Top Mobile App Development Companies. Follow him on Twitter | Facebook | LinkedIn

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