CoinsOnCards

    Issued by Zypto sp. z o.o. with regulated banking partners — Previous Polish VASP registration (RDWW-874) now terminated as of late 2024; cards issued through regulated banking partners in various jurisdictions

    Zypto CardReview

    A hybrid-custody prepaid Visa/Mastercard with tiered cards, including a high-limit Premium version.

    3.0· Updated: Visa Signature benefits launched November 2025
    Visit issuer
    Cashback
    —
    Custody
    hybrid
    KYC
    limited
    Networks
    —
    Monthly fee
    Free
    Available in
    —

    The verdict

    Best for: High-volume spenders in LATAM/APAC needing up to $1M/month limits and Visa Signature benefits.

    Skip if: You live in Europe, Canada, or Australia or need a low-fee physical card.

    • Premium card has a $0 monthly fee but is only available in select regions.
    • Classic card has a high $12 monthly fee and lacks 3D Secure.
    • Single-load virtual cards offer minimal-KYC access in 180+ countries but are non-reloadable.
    Get the Zypto Card

    How it works

    • Zypto offers four distinct card tiers: Premium Physical, Classic Physical, Reloadable Virtual, and Single-Load Virtual. Key features include exceptionally high spending limits (up to $1,000,000/month on the Premium card), support for over 100 cryptocurrencies, and integration with a non-custodial wallet. The Premium card includes Visa Signature benefits like lounge access and concierge services, along with 3D Secure and mobile wallet support. The Classic card lacks 3D Secure and mobile wallet integration. The ecosystem also includes a dApp browser, bill pay services, and a gift card marketplace.

    Funding: Crypto (100+ cryptocurrencies) · Non-custodial wallet integration

    Tier requirements & loyalty

    Referrals: $5 worth of ZYPs (5,000 points) for both referrer and referee; referrers earn 0.1% lifetime commission on all referee transactions (paid in ZYP points)

    Fees

    BankingBill payment service available; MoneyGram integration for cash pickup; Gift card marketplace; Mobile top-ups in 170+ countries

    Custody & risk

    • If the issuer disappears
      If the provider or its banking partners fail, any fiat funds loaded onto the card could be lost. Unconverted cryptocurrency held in the user's non-custodial wallet would remain secure and accessible.
    • Regulatory risk
      Former Polish VASP license terminated
    • Counterparty risk
      Loaded card funds are custodial and at risk if provider fails
    • Market risk
      Third-party dependencies for support and liquidity

    Users maintain self-custody of their crypto assets in the non-custodial Zypto wallet. When a user initiates a card top-up, the crypto is converted to fiat and transferred to the card issuer, at which point the funds become custodial. The user controls the private keys for their crypto but not for the fiat balance held on the card.

    Protections

    • Two-factor authentication (2FA)
    • Email/SMS verification
    • Authenticator-based 2FA
    • Instant fraud alerts
    • Freeze/unfreeze cards instantly via app
    • Encryption for data transmission and storage
    • Vault Key Card hardware solution for offline key storage
    • Disguise mode for privacy

    Limits

    notes
    Maximum 5 Classic cards per user; 1 Premium card and 1 reloadable virtual card allowed. Classic card ATM withdrawal limited to 60% of balance.
    atm daily
    $750 (Premium); $3,000 (Classic)
    atm monthly
    $22,500 (Premium); $22,000 (Classic)
    daily spending
    $1,000,000 (Premium); $5,000 (Single-Load Mastercard Global)
    per transaction
    $175,000 (Premium)
    monthly spending
    $1,000,000 (Premium); $420,000 (Classic); Unlimited (Reloadable Virtual)

    The good

    • Up to $1,000,000 monthly spend limit on Premium cards.
    • Virtual cards available in 180+ countries with minimal KYC.
    • Supports 100+ cryptocurrencies including BTC, ETH, and SOL.
    • Integrated non-custodial wallet for self-custody of crypto.
    • Premium cards support 3D Secure, Apple Pay, and Google Pay.

    The catches

    • Classic card lacks 3D Secure and Apple Pay/Google Pay support.
    • Classic card has a $6 + 4.5% reload fee.
    • $12 monthly fee for Classic physical card.
    • Non-3DS cards may be declined by some online merchants.

    Limitations

    • majorPremium physical and reloadable virtual cards have limited geographic availability (specific countries and US states only)
    • majorClassic physical card lacks 3D Secure authentication and mobile wallet support
    • moderateRelatively high fees on Classic physical cards (4.5% + $6 for reloads, $4 + 1% ATM withdrawals)
    • moderate$12 monthly maintenance fee for Classic physical cards
    • moderateSome online merchants may decline non-3DS cards (Classic and some single-load cards)
    • moderateSingle-load virtual cards are not reloadable (one-time use)
    • minorMaximum 5 Classic cards per user; 1 Premium card and 1 reloadable virtual card allowed

    Where rewards don't apply

    • Merchants requiring 3D Secure — Classic physical and some single-load virtual cards lack 3D Secure authentication
    • Services requiring credit authorization holds — Prepaid card limitations apply

    What users say

    App Store
    4.8/5.0 (46 ratings)
    Google Play
    4.4/5.0 (748 ratings)
    Trustpilot
    4.5/5.0 (78 ratings)

    Positive feedback on industry-leading spending limits, fast virtual card issuance, integrated ecosystem, and 24/7 human support. Negative feedback on geographic restrictions, fee complexity, and 3DS limitations.

    Rating breakdown

    Net reward
    1.5
    Custody risk
    3.5
    Availability
    3.5
    User experience
    4.4
    Features & convenience
    3.0

    See our methodology for how we score each axis.