CoinsOnCards

    Issued by Estonian licensed financial institution (specific name not disclosed for internal reasons) — Licensed financial institution in Estonia subject to EU regulations; USD card program linked to FDIC-insured U.S. bank

    PlasBit CardReview

    Custodial Visa/Mastercard platform with separate debit (EU) and prepaid (global) card options.

    · Updated: Physical debit card issuance temporarily paused due to high demand (waitlist in place)
    Visit issuer
    Cashback
    Up to 0.00%
    Custody
    custodial
    KYC
    full
    Networks
    —
    Monthly fee
    Free
    Available in
    —

    The verdict

    Best for: Users needing high card balances ($100,000) and 0% FX fees (Metal tier).

    Skip if: You want cashback rewards or live in the US, Japan, or Russia.

    • Offers high limits ($100,000) but charges a high 2-5% crypto loading fee.
    • Provides 0% FX fees on Metal tier, but debit cards are Europe-only.
    • Supports 100+ cryptos and Apple Pay, but has no cashback rewards program.
    Get the PlasBit Card

    How it works

    • * **Multiple Card Categories:** Offers Debit (Europe only), Reloadable (Worldwide), and Prepaid (Worldwide) cards.
    • * **Extensive Crypto Support:** Instantly convert and spend over 100 cryptocurrencies, including BTC, ETH, USDT, and USDC.
    • * **High Balance Limits:** The Metal tier allows for a maximum card balance of up to $100,000.
    • * **Mobile Wallet Support:** PlasMax USD and Prepaid cards are compatible with Apple Pay and Google Pay.
    • * **Cold Storage Security:** 100% of user cryptocurrencies are held in offline cold storage.
    • * **FDIC Insurance:** Fiat balances are FDIC-insured after identity verification is complete.
    • * **Fast Conversion:** Crypto-to-fiat conversions are typically processed and available on the card within 10 minutes.

    Funding: Crypto (100+ cryptocurrencies)

    Custody & risk

    • If the issuer disappears
      As a custodial service, user funds would be inaccessible if the platform were to cease operations.
    • Counterparty risk
      Custodial model means users do not control private keys; funds inaccessible if provider ceased operations
    • Regulatory risk
      Card issuer identity not publicly disclosed for internal operational reasons

    PlasBit is a fully custodial platform. It holds all user crypto assets in its own cold storage system. Users do not control their private keys and must convert crypto to fiat (USD or EUR) within the PlasBit wallet before spending.

    Protections

    • Two-factor authentication (SMS/Email/Authenticator app)
    • Instant card freeze/unfreeze
    • Real-time transaction notifications
    • EMV chip and PIN protection
    • 100% of cryptocurrencies stored in cold storage offline
    • Regular penetration testing
    • 24/7 system monitoring
    • Bug bounty program
    • GDPR compliance

    Insurance & coverage: FDIC-insured fiat balances once identity has been verified (USD card program linked to FDIC-insured U.S. bank)

    Limits

    notes
    Maximum card balance: $25,000 (Virtual/Plastic), $100,000 (Metal). KYC Level 1: $50/transaction, $150/day, $500/month. KYC Level 2: $3,000/transaction, $5,000/day, $25,000/month. KYC Level 3: $3,000/transaction, $10,000/day, $50,000/month.
    daily spending
    $10,000
    per transaction
    $3,000 (Level 2/3 KYC)

    The good

    • No monthly fees on debit card tiers (Virtual, Plastic, Metal).
    • High card balance limit up to $100,000 on Metal tier.
    • 0% foreign exchange fees on the Metal tier.
    • Supports over 100 cryptocurrencies for top-ups.
    • Prepaid cards available in 188 countries.
    • Crypto-to-fiat conversion within 10 minutes.

    The catches

    • High 2-5% crypto loading fee.
    • Limited to USD or EUR base currencies.

    Limitations

    • major2-5% loading/conversion fee when adding funds to card (varies by tier)
    • majorDebit card tiers (Virtual/Plastic/Metal) available in Europe only
    • majorNot available in the United States and 50+ other countries
    • moderateNo cashback or rewards program on any tier
    • moderateLimited to USD or EUR as base currencies
    • moderateMonthly maintenance fees apply to reloadable and prepaid cards
    • moderatePhysical debit card issuance temporarily paused due to high demand
    • minorInconsistent documentation regarding mobile wallet support across tiers
    • minorNo native mobile apps (web-based only)
    • minorGambling and betting transactions may be blocked

    Where rewards don't apply

    • Gambling and betting — Compliance reasons - transactions may be blocked

    What users say

    Positive reviews highlight ease of use and intuitive interface. High ratings for responsive customer support. Praised for quick processing of transactions and withdrawals.