Crypto.com Visa Card (EEA) vs Ethena Pay Spend Card
Crypto native
Crypto native
Verdict
- Ethena Pay Spend Card scores higher overall (8.3 vs 6.0 out of 10).
- Crypto.com Visa Card (EEA) is clearly stronger on: Product features.
- Ethena Pay Spend Card is clearly stronger on: Fees, Cashback & rewards, Credit & financing, Limits & ATM.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Crypto.com Visa Card (EEA) is a good fit for
- No specific audience can be derived from the published data yet.
Stronger on: Product features
Ethena Pay Spend Card is a good fit for
- People who want to keep control of their keys
- Users who need credit rather than a debit/prepaid card
- Everyday spenders who want cashback
Stronger on: Fees, Cashback & rewards, Credit & financing, Limits & ATM
Score by criterion
| Criterion | Crypto.com Visa Card (EEA) | Ethena Pay Spend Card |
|---|---|---|
| Fees | 87 | 100 |
| Cashback & rewards | 9 | 89 |
| Availability | 100 | 100 |
| FX & international | – | 60 |
| Product features | 70 | 53 |
| Custody & security | – | 70 |
| Credit & financing | 30 | 75 |
| Limits & ATM | 64 | 78 |
| Transparency | 86 | 79 |
| Best for Cashback | 4.4 | 8.6 |
| Best for Travel | 6.2 | 7.6 |
| Best for Self-Custody | n/a | 7.5 |
| Best for DeFi Users | 4.8 | 7.7 |
| Best for High Spenders | 4.2 | 8.1 |
| Best for Low Fees | 7.4 | 8.4 |
| Best for Beginners | 7.3 | 8.0 |
| Best Crypto Credit Card | n/a | 8.1 |
Product
Product status
ActiveShow source
Product status: Active
Source: Crypto.com Visa Card: Earn Up to 5% back on your daily spending
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 70%
Active*Show source
Product status: Active
Beta; live in 48 countries, more announced
Source states (paraphrased): Ethena Pay is live in 48 countries across Latin America, the Caribbean, Asia & the Middle East, Africa, and Oceania.
Source: Available Jurisdictions — Ethena Pay
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Beta; live in 48 countries, more announced
Card type
Prepaid cardShow source
Card type: Prepaid card
Source: Crypto.com Visa Card: Earn Up to 5% back on your daily spending
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%
Crypto-backed credit*Show source
Card type: Crypto-backed credit
Secured: collateral in your linked self-custodial wallet secures card charges
Source states (paraphrased): Your Ethena Pay Spend Card is a secured product.
Source: Pricing — Ethena Pay
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 80%
Secured: collateral in your linked self-custodial wallet secures card charges
Network
VisaShow source
Network: Visa
Source: Crypto.com Visa Card: Earn Up to 5% back on your daily spending
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 80%
VisaShow source
Network: Visa
Source states (paraphrased): The card program is issued by the Issuer under license from Visa.
Source: Ethena Pay Spend Card Terms
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Custody model
Self-custodyShow source
Custody model: Self-custody
Source states (paraphrased): Ethena Pay does not hold, manage, custody, or have access to your funds, digital assets, or wallet credentials.
Source: FAQ — Ethena Pay
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 65%
Card issuer / program manager
Foris MT Limited (Malta)Show source
Card issuer / program manager: Foris MT Limited (Malta)
Source states (paraphrased): The Crypto.com Visa Card is issued and promoted by Foris MT Limited
Source: Crypto.com Visa Card: Earn Up to 5% back on your daily spending
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 95%
Third National (issuer); program managed by Signify Holdings, Inc. d/b/a Rain; access via Ethena Pay Ltd. (Malta)Show source
Card issuer / program manager: Third National (issuer); program managed by Signify Holdings, Inc. d/b/a Rain; access via Ethena Pay Ltd. (Malta)
Source states (paraphrased): refers to Third National, including its affiliates, successors, and assigns.
Source: Ethena Pay Spend Card Terms
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%
Tiers / plans
Basic (previously Midnight) · Plus (previously Ruby) · Pro (previously Jade/Indigo) · Private (previously Icy/Rose/Obsidian)Show source
Tiers / plans: Basic (previously Midnight) · Plus (previously Ruby) · Pro (previously Jade/Indigo) · Private (previously Icy/Rose/Obsidian)
Source states (paraphrased): Basic (previously Midnight)
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 80%
Standard · Pro · VIPShow source
Tiers / plans: Standard · Pro · VIP
Source: Pricing — Ethena Pay
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Fees
Annual fee
Free*Show source
Annual fee: Free
No recurring subscription or account fees for a standard account
Source: Pricing — Ethena Pay
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%
No recurring subscription or account fees for a standard account
Monthly fee
Free*Show source
Monthly fee: Free
Free tier; paid tiers from €3.99/month (€39.90/year) to €24.99/month, or unlocked via 12-month CRO staking
Source states (paraphrased): Tiers priced e.g. €3.99/month or €39.90 yearly, or €450 12-month CRO staking; top paid tier €24.99/month.
Source: Crypto.com Visa Card: Earn Up to 5% back on your daily spending
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Free tier; paid tiers from €3.99/month (€39.90/year) to €24.99/month, or unlocked via 12-month CRO staking
FreeShow source
Monthly fee: Free
Source states (paraphrased): Monthly maintenance / account fee: Free.
Source: Pricing — Ethena Pay
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%
Physical card fee
€4.99*Show source
Physical card fee: €4.99
Midnight/Basic tier; Ruby €24.99 or free depending on Level Up plan/stake
Source states (paraphrased): Midnight: €4.99
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 80%
Midnight/Basic tier; Ruby €24.99 or free depending on Level Up plan/stake
Virtual card fee
FreeShow source
Virtual card fee: Free
Source states (paraphrased): Virtual card issuance: Free.
Source: Pricing — Ethena Pay
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%
Replacement fee
€45.01*Show source
Replacement fee: €45.01
Midnight; other tiers €50
Source states (paraphrased): Midnight - €45.01
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
Midnight; other tiers €50
FreeShow source
Replacement fee: Free
Source states (paraphrased): Replacement card: Free.
Source: Pricing — Ethena Pay
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%
FX fee
1%*Show source
FX fee: 1%
Card-network conversion fee passed through at cost, typically around 1% and varying by currency; no Ethena Pay markup; USD spend has no conversion cost
Source states (paraphrased): Typically around 1.0%, passed through directly from the applicable card network with no markup.
Source: Pricing — Ethena Pay
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 80%
Card-network conversion fee passed through at cost, typically around 1% and varying by currency; no Ethena Pay markup; USD spend has no conversion cost
Top-up fee
1%*Show source
Top-up fee: 1%
Only for top-ups with debit/credit card; minimum top-up €20
Source states (paraphrased): Debit / Credit card top-up: 1%
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
Only for top-ups with debit/credit card; minimum top-up €20
ATM fee
2%*Show source
ATM fee: 2%
Above the monthly free ATM limit; ATM provider surcharges may apply
Source states (paraphrased): ATM Withdrawal: 2% on amounts above the monthly free ATM limit
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
Above the monthly free ATM limit; ATM provider surcharges may apply
$1 + 0.65%*Show source
ATM fee: $1 + 0.65%
Only where ATM access is available; ATM operator surcharges extra
Source states (paraphrased): If ATM access is available: $1.00 plus 0.65% of the withdrawal amount.
Source: Pricing — Ethena Pay
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Only where ATM access is available; ATM operator surcharges extra
Free ATM allowance
€200/month*Show source
Free ATM allowance: €200/month
Free tier, per month; €400 Ruby Steel, €800 Jade Green/Royal Indigo and Icy White/Rose Gold, €1,000 Obsidian
Source states (paraphrased): Free ATM withdrawals | €200 EUR (per month)
Source: Crypto.com Visa Card: Earn Up to 5% back on your daily spending
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
Free tier, per month; €400 Ruby Steel, €800 Jade Green/Royal Indigo and Icy White/Rose Gold, €1,000 Obsidian
Other fees & markups
Inactivity fee €6 per month after 12 months without card activity (€5 before 1 Oct 2026) · Account closure fee €50Show source
Other fees & markups: Inactivity fee €6 per month after 12 months without card activity (€5 before 1 Oct 2026) · Account closure fee €50
Source states (paraphrased): Effective 1 October 2026 fee will be updated to € 6.
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 80%
Late payment fee up to $40 · Returned payment fee $29 · ATM operator surcharges · Gas fees of liquidation transactions paid from collateralShow source
Other fees & markups: Late payment fee up to $40 · Returned payment fee $29 · ATM operator surcharges · Gas fees of liquidation transactions paid from collateral
Source states (paraphrased): | Late Payment | Up to $40
Source: Ethena Pay Spend Card Terms
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
Cashback & rewards
Base cashback
0%*Show source
Base cashback: 0%
Free tier
Source states (paraphrased): Everyday CRO rewards from 0% on the free tier.
Source: Crypto.com Visa Card: Earn Up to 5% back on your daily spending
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Free tier
4%*Show source
Base cashback: 4%
Standard tier on the first $2,500 of monthly spend; 1% from $2,500 to $4,000; 0% above
Source states (paraphrased): Standard: $0 – $2,500: 4%; $2,500 – $4,000: 1%; Over $4,000: 0%.
Source: Pricing — Ethena Pay
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%
Standard tier on the first $2,500 of monthly spend; 1% from $2,500 to $4,000; 0% above
Max cashback
4.5%*Show source
Max cashback: 4.5%
Highest tier; monthly caps apply by tier
Source states (paraphrased): Up to 4.5% on the highest tier, with caps by tier.
Source: Crypto.com Visa Card: Earn Up to 5% back on your daily spending
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Highest tier; monthly caps apply by tier
5%*Show source
Max cashback: 5%
VIP tier on the first $20,000 of monthly spend; Pro 4.5% on the first $8,000
Source states (paraphrased): Up to 5% of the U.S. dollar value of each Qualifying Card Transaction.
Source: Pricing — Ethena Pay
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%
VIP tier on the first $20,000 of monthly spend; Pro 4.5% on the first $8,000
Cashback paid in
CROShow source
Cashback paid in: CRO
Source: Crypto.com Visa Card: Earn Up to 5% back on your daily spending
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%
AVAXShow source
Cashback paid in: AVAX
Source states (paraphrased): Credited in AVAX (native asset of the Avalanche network).
Source: Pricing — Ethena Pay
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%
Cashback type
Platform tokenShow source
Cashback type: Platform token
Source: Crypto.com Visa Card: Earn Up to 5% back on your daily spending
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
CryptoShow source
Cashback type: Crypto
Source: Pricing — Ethena Pay
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Interest on balance
6%*Show source
Interest on balance: 6%
Up to 6% on dollar balance, variable; the Boost portion only up to the tier's Boost Cap and requires at least one qualifying card transaction per month
Source states (paraphrased): Earn up to 6% on your dollars. Paid daily.
Source: Ethena Pay
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Up to 6% on dollar balance, variable; the Boost portion only up to the tier's Boost Cap and requires at least one qualifying card transaction per month
Cashback-eligible spend cap
$2,500/month*Show source
Cashback-eligible spend cap: $2,500/month
Standard: headline rate on the first $2,500 per calendar month; Pro $8,000, VIP $20,000; lower rates above
Source: Pricing — Ethena Pay
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 75%
Standard: headline rate on the first $2,500 per calendar month; Pro $8,000, VIP $20,000; lower rates above
Cashback conditions
Rate depends on tier and steps down with monthly spend (bands reset each calendar month) · Transactions under $1.00 earn no cashback · Paid daily after the transaction settlesShow source
Cashback conditions: Rate depends on tier and steps down with monthly spend (bands reset each calendar month) · Transactions under $1.00 earn no cashback · Paid daily after the transaction settles
Source: Pricing — Ethena Pay
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Staking / holding required for top rewards
Yes*Show source
Staking / holding required for top rewards: Yes
Higher tiers via subscription or 12-month CRO staking
Source states (paraphrased): Tiers can be unlocked through a 12-month CRO stake (e.g. €450 for one tier).
Source: Crypto.com Visa Card: Earn Up to 5% back on your daily spending
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%
Higher tiers via subscription or 12-month CRO staking
Staking asset
CROShow source
Staking asset: CRO
Source: Crypto.com Visa Card: Earn Up to 5% back on your daily spending
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Capital required for top rewards
€450,000*Show source
Capital required for top rewards: €450,000
Obsidian tier (4.5%); 12-month lockup
Source states (paraphrased): €450,000 12-month CRO staking
Source: Crypto.com Visa Card: Earn Up to 5% back on your daily spending
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
Obsidian tier (4.5%); 12-month lockup
Reward exclusions
Certain merchant categories or channels are excluded from CRO RewardsShow source
Reward exclusions: Certain merchant categories or channels are excluded from CRO Rewards
Source states (paraphrased): Transactions made under certain merchant categories or channels are excluded from the CRO Rewards program.
Source: Crypto.com Visa Card: Earn Up to 5% back on your daily spending
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
Cash advances, ATM withdrawals, money orders, traveler's checks and cash equivalents · Purchases of crypto, stablecoins, NFTs, securities, foreign currency · Gambling, wagering, lottery, gaming · Gift card and stored-value purchases · Peer-to-peer transfers and remittances · Account funding, loan/credit repayments, balance transfers, insurance premiums · Fees, taxes, fines and payments to government agencies · Returned, refunded or charged-back transactions*Show source
Reward exclusions: Cash advances, ATM withdrawals, money orders, traveler's checks and cash equivalents · Purchases of crypto, stablecoins, NFTs, securities, foreign currency · Gambling, wagering, lottery, gaming · Gift card and stored-value purchases · Peer-to-peer transfers and remittances · Account funding, loan/credit repayments, balance transfers, insurance premiums · Fees, taxes, fines and payments to government agencies · Returned, refunded or charged-back transactions
Eligibility follows the MCC assigned by the card network
Source states (paraphrased): cash advances, ATM withdrawals, money orders, traveler's checks, or other cash equivalents;
Source: Ethena Pay Terms of Use
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 75%
Eligibility follows the MCC assigned by the card network
Credit & financing
Credit line
No*Show source
Credit line: No
prepaid card, must be topped up
Source states (paraphrased): The Crypto.com Card is a prepaid card.
Source: Crypto.com Visa Card: Earn Up to 5% back on your daily spending
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
prepaid card, must be topped up
Yes*Show source
Credit line: Yes
Secured by your own collateral
Source: Pricing — Ethena Pay
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 80%
Secured by your own collateral
Credit type
Crypto-backed creditShow source
Credit type: Crypto-backed credit
Source: Pricing — Ethena Pay
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 80%
Interest (APR)
0%*Show source
Interest (APR): 0%
Purchases; issuer and Ethena Pay may introduce interest on new purchases with prior notice
Source states (paraphrased): Your Spend Card is currently 0.00% interest on all purchases.
Source: Pricing — Ethena Pay
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%
Purchases; issuer and Ethena Pay may introduce interest on new purchases with prior notice
Interest notes
Currently 0% interest on all purchases; Issuer and Ethena Pay may introduce interest on new purchases in future with prior disclosureShow source
Interest notes: Currently 0% interest on all purchases; Issuer and Ethena Pay may introduce interest on new purchases in future with prior disclosure
Source states (paraphrased): Issuer and Ethena Pay reserve the right to implement interest in the future, for new purchases.
Source: Ethena Pay Spend Card Terms
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%
Grace period
Outstanding payment obligation must be paid within one calendar day, otherwise a Liquidation Event occurs; additional grace period at discretionShow source
Grace period: Outstanding payment obligation must be paid within one calendar day, otherwise a Liquidation Event occurs; additional grace period at discretion
Source states (paraphrased): has not been paid in full by you within one (1) calendar day
Source: Ethena Pay Spend Card Terms
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 80%
Repayment
Repay Ethena Pay for card charges per User Agreement by permitted means in the Ethena Pay Account; prepayment without penaltyShow source
Repayment: Repay Ethena Pay for card charges per User Agreement by permitted means in the Ethena Pay Account; prepayment without penalty
Source states (paraphrased): you may make a repayment for a balance on one or more of your Ethena Pay Cards by any means that are permitted by Ethena Pay
Source: Ethena Pay Spend Card Terms
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 75%
Liquidation risk
Yes*Show source
Liquidation risk: Yes
Collateral can be liquidated after a Liquidation Event (e.g. unpaid charges)
Source: Pricing — Ethena Pay
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Collateral can be liquidated after a Liquidation Event (e.g. unpaid charges)
Availability
Available in
EEAShow source
Available in: EEA
Source: Crypto.com Visa Card: Earn Up to 5% back on your daily spending
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Argentina, BZ, BO, Brazil, Colombia, CR, EC, SV, GT, GY, HN, Mexico, PA, PY, Peru, SR, UY, AG, BS, BB, KY, DM, DO, GD, KN, LC, VC, TT, TC, Hong Kong, Japan, Malaysia, PK, Philippines, Singapore, Thailand, United Arab Emirates, CI, EG, GH, Kenya, MA, SN, South Africa, UG, ZM, Australia, New Zealand*Show source
Available in: Argentina, BZ, BO, Brazil, Colombia, CR, EC, SV, GT, GY, HN, Mexico, PA, PY, Peru, SR, UY, AG, BS, BB, KY, DM, DO, GD, KN, LC, VC, TT, TC, Hong Kong, Japan, Malaysia, PK, Philippines, Singapore, Thailand, United Arab Emirates, CI, EG, GH, Kenya, MA, SN, South Africa, UG, ZM, Australia, New Zealand
Beta. Announced as coming soon: USA, EU, UK, Switzerland, Canada, Taiwan, South Korea
Source: Available Jurisdictions — Ethena Pay
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 80%
Beta. Announced as coming soon: USA, EU, UK, Switzerland, Canada, Taiwan, South Korea
Not available in
United States*Show source
Not available in: United States
Not available to U.S. citizens, U.S. residents or other U.S. persons; other restricted jurisdictions per Ethena Pay Terms of Use
Source states (paraphrased): The Ethena Pay Spend Card is offered only to non-U.S. persons
Source: Ethena Pay Spend Card Terms
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%
Not available to U.S. citizens, U.S. residents or other U.S. persons; other restricted jurisdictions per Ethena Pay Terms of Use
Account / spend currencies
EURShow source
Account / spend currencies: EUR
Source states (paraphrased): Cards in EUR
Source: Crypto.com Visa Card: Earn Up to 5% back on your daily spending
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 80%
Own IBAN / bank details
Yes*Show source
Own IBAN / bank details: Yes
Virtual account (IBAN) not yet available in BB, JP, MY, PK, MA, SN, UG, AU, NZ
Source: Available Jurisdictions — Ethena Pay
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 70%
Virtual account (IBAN) not yet available in BB, JP, MY, PK, MA, SN, UG, AU, NZ
Features
Apple Pay
Yes*Show source
Apple Pay: Yes
EU: available; not available in UK or Bahrain
Source states (paraphrased): | EU | Y
Source: How to set up Apple Pay in your Apple Wallet
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
EU: available; not available in UK or Bahrain
YesShow source
Apple Pay: Yes
Source states (paraphrased): Add to Apple Pay in seconds.
Source: Ethena Pay
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%
Google Pay
Yes*Show source
Google Pay: Yes
EU: Google Wallet available, Samsung Wallet not available
Source states (paraphrased): | EU | Y | N
Source: How to set up Google/Samsung Pay in your Google/Samsung Wallet
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
EU: Google Wallet available, Samsung Wallet not available
No*Show source
Google Pay: No
Announced as available soon
Source states (paraphrased): Google Pay available soon.
Source: Ethena Pay
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%
Announced as available soon
Virtual card
YesShow source
Virtual card: Yes
Source states (paraphrased): Generate a virtual card in under a minute.
Source: Ethena Pay
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
ATM withdrawals
YesShow source
ATM withdrawals: Yes
Source states (paraphrased): can be loaded onto the Crypto.com Prepaid Visa Card for use in purchase and ATM withdrawals
Source: Crypto.com Visa Card: Earn Up to 5% back on your daily spending
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
Yes*Show source
ATM withdrawals: Yes
Availability limited and depends on card, device and country
Source states (paraphrased): ATM cash withdrawals are supported where your card, device and country allow it
Source: Pricing — Ethena Pay
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 75%
Availability limited and depends on card, device and country
Airport lounge access
No*Show source
Airport lounge access: No
Not included on the entry tier (Midnight Blue); only higher tiers (Jade Green/Royal Indigo with annual subscription, capped 2x/year; Icy White/Rose Gold/Obsidian)
Source states (paraphrased): Airport Lounge Access | - | - | Yes for annual subscribers (Cap 2 times per year) | Yes | Yes
Source: Crypto.com Visa Card: Earn Up to 5% back on your daily spending
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Not included on the entry tier (Midnight Blue); only higher tiers (Jade Green/Royal Indigo with annual subscription, capped 2x/year; Icy White/Rose Gold/Obsidian)
Blockchains
Ethereum · Polygon · Optimism · Arbitrum*Show source
Blockchains: Ethereum · Polygon · Optimism · Arbitrum
Supported blockchains for collateral; list may be updated by issuer
Source states (paraphrased): means the Ethereum Blockchain, Polygon Blockchain, Optimism Blockchain, Arbitrum Blockchain and other blockchain networks
Source: Ethena Pay Spend Card Terms
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
Supported blockchains for collateral; list may be updated by issuer
Limits
ATM limit
€2,000*Show source
ATM limit: €2,000
Daily; monthly €10,000, yearly €75,000; max 3 withdrawals per day
Source states (paraphrased): Daily: €2,000
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 75%
Daily; monthly €10,000, yearly €75,000; max 3 withdrawals per day
Spending limit
€25,000*Show source
Spending limit: €25,000
Daily €25,000, monthly €25,000, yearly €250,000; card max balance €25,000
Source states (paraphrased): POS Purchase Limit (Includes All In-Store and Online Purchases) – All Card Tiers
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 80%
Daily €25,000, monthly €25,000, yearly €250,000; card max balance €25,000
Security & custody
Regulation / licences
Foris MT Limited: electronic money institution authorised by the Malta Financial Services Authority · Foris DAX MT Limited: MiCA crypto-asset service provider authorised by the MFSAShow source
Regulation / licences: Foris MT Limited: electronic money institution authorised by the Malta Financial Services Authority · Foris DAX MT Limited: MiCA crypto-asset service provider authorised by the MFSA
Source states (paraphrased): duly authorised by the Malta Financial Services Authority as a Financial Institutions licenced to issue electronic money
Source: Crypto.com Visa Card: Earn Up to 5% back on your daily spending
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
Deposit protection
NoShow source
Deposit protection: No
Source states (paraphrased): are not deposits or insured by any government deposit insurance or investor protection scheme
Source: Ethena Pay Terms of Use
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
Smart-contract risk
YesShow source
Smart-contract risk: Yes
Source states (paraphrased): does not control and is not responsible for the operation, security, or performance of the smart contracts used to hold your Collateral
Source: Ethena Pay Spend Card Terms
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 75%
Annual cost at 1,500 EUR/month
Crypto.com Visa Card (EEA)
- Annual & monthly fees+0 EUR
- FX costsunknown
- Crypto conversion–
- ATM costs+0 EUR
- Cashback+0 EUR
- Net annual valuenot enough data
Ethena Pay Spend Card
- Annual & monthly fees+0 EUR
- FX costs−36 EUR
- Crypto conversion–
- ATM costs−19 EUR
- Cashback+720 EUR
- Net annual value665 EUR
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers