Crypto.com Visa Card (EEA) vs Tuyo Card
Crypto native
Crypto native
Verdict
- Tuyo Card scores higher overall (6.5 vs 6.0 out of 10).
- Crypto.com Visa Card (EEA) is clearly stronger on: Product features.
- Tuyo Card is clearly stronger on: Fees.
- 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
Tuyo Card is a good fit for
- People who want to keep control of their keys
- Stablecoin holders
Stronger on: Fees
Score by criterion
| Criterion | Crypto.com Visa Card (EEA) | Tuyo Card |
|---|---|---|
| Fees | 87 | 100 |
| Cashback & rewards | 9 | – |
| Availability | 100 | – |
| FX & international | – | 60 |
| Product features | 70 | 58 |
| Custody & security | – | 80 |
| Credit & financing | 30 | 30 |
| Limits & ATM | 64 | – |
| Transparency | 86 | 79 |
| Best for Cashback | 4.4 | n/a |
| Best for Travel | 6.2 | 6.3 |
| Best for Self-Custody | n/a | 7.4 |
| Best for DeFi Users | 4.8 | 6.6 |
| Best for Stablecoins | n/a | 7.3 |
| Best for High Spenders | 4.2 | 5.9 |
| Best for Low Fees | 7.4 | 7.9 |
| Best for Beginners | 7.3 | 7.1 |
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%
ActiveShow source
Product status: Active
Source: Tuyo Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
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%
Stablecoin cardShow source
Card type: Stablecoin card
Source: Tuyo Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
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): Visa card accepted at 175M+ merchants.
Source: Tuyo Card
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%
Custody model
Self-custody*Show source
Custody model: Self-custody
Keys stay on the user's device
Source: Tuyo – Send, Spend, Earn USDC (App Store)
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%
Keys stay on the user's device
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%
Signify Holdings, Inc. (Rain)Show source
Card issuer / program manager: Signify Holdings, Inc. (Rain)
Source: Everything about Tuyo
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%
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%
Fees
Annual fee
FreeShow source
Annual fee: Free
Source states (paraphrased): Tuyo Card has no issuance, monthly or yearly fee.
Source: Everything about Tuyo
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
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): No monthly fee.
Source: Everything about Tuyo
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
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): No issuance fee.
Source: Everything about Tuyo
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 80%
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
FX fee
1%*Show source
FX fee: 1%
Up to ~1% FX spread on non-USD spend; no fee on USD transactions
Source: Everything about Tuyo
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Up to ~1% FX spread on non-USD spend; no fee on USD transactions
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
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%
ATM operator fees and FX markups apply on top of the withdrawal amountShow source
Other fees & markups: ATM operator fees and FX markups apply on top of the withdrawal amount
Source states (paraphrased): ATM withdrawal fees and FX markups depend entirely on the ATM operator or the bank that owns the machine.
Source: ATM withdrawals | Tuyo Guides
Official help center / FAQ (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
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
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%
TUYOs (points)*Show source
Cashback paid in: TUYOs (points)
Not tradable or transferable
Source states (paraphrased): Get TUYOs with every dollar you spend with the Tuyo Card.
Source: TUYOs | Tuyo Help Center
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%
Not tradable or transferable
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%
Points*Show source
Cashback type: Points
Rewards in TUYOs points; rates shown in app; seasonal multipliers (time-limited) until token launch
Source states (paraphrased): TUYOs are points in our rewards program and are not a cryptocurrency token.
Source: TUYOs | Tuyo Help Center
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%
Rewards in TUYOs points; rates shown in app; seasonal multipliers (time-limited) until token launch
Cashback conditions
TUYOs earned per dollar spent with the card; current rates only in the app · Seasonal multiplier boosts decline after each season down to baseline rates · TUYOs are not tradable nor transferableShow source
Cashback conditions: TUYOs earned per dollar spent with the card; current rates only in the app · Seasonal multiplier boosts decline after each season down to baseline rates · TUYOs are not tradable nor transferable
Source states (paraphrased): Find current reward rates in the app.
Source: TUYOs | Tuyo Help Center
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
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%
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
NoShow source
Credit line: No
Source: Everything about Tuyo
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
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%
Not available in
AF, BD, BY, CN, CD, CU, India, IR, IQ, LB, LY, ML, MM, NP, Nigeria, KP, RU, SO, SS, SD, SY, Turkey, Ukraine, United Kingdom, VE, Vietnam, YE*Show source
Not available in: AF, BD, BY, CN, CD, CU, India, IR, IQ, LB, LY, ML, MM, NP, Nigeria, KP, RU, SO, SS, SD, SY, Turkey, Ukraine, United Kingdom, VE, Vietnam, YE
Platform-wide prohibited jurisdictions (no wallet, Earn, ramps, card or bank-account services); card provider has additional restrictions
Source states (paraphrased): if a country is listed here, users from that country cannot access Tuyo wallet, Earn, ramps, card, or virtual bank-account services
Source: Tuyo availability | Tuyo Guides
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 75%
Platform-wide prohibited jurisdictions (no wallet, Earn, ramps, card or bank-account services); card provider has additional restrictions
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%
USD · EURShow source
Account / spend currencies: USD · EUR
Source states (paraphrased): USD and EUR account numbers in your name.
Source: Tuyo – Send, Spend, Earn USDC (App Store)
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
Own IBAN / bank details
Yes*Show source
Own IBAN / bank details: Yes
Type of account details depends on country of residence (CLABE, IBAN or US account/routing number)
Source states (paraphrased): Get account details in your name: a CLABE, an IBAN, or an account and routing number, depending on where you live.
Source: Tuyo – Send, Spend, Earn USDC (App Store)
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
Type of account details depends on country of residence (CLABE, IBAN or US account/routing number)
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: Tuyo Card
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
YesShow source
Google Pay: Yes
Source: Tuyo Card
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%
Physical card
No*Show source
Physical card: No
Physical card announced as coming soon
Source: Everything about Tuyo
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Physical card announced as coming soon
Virtual card
YesShow source
Virtual card: Yes
Source: Tuyo Card
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 80%
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%
YesShow source
ATM withdrawals: Yes
Source states (paraphrased): At a Visa ATM, choose Credit and enter your PIN.
Source: Everything about Tuyo
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
Spend stablecoins
YesShow source
Spend stablecoins: Yes
Source: Tuyo Card
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
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)
Spendable assets
USDCShow source
Spendable assets: USDC
Source states (paraphrased): gas station holds on your USDC card
Source: Tuyo – Send, Spend, Earn USDC (App Store)
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 75%
Blockchains
BaseShow source
Blockchains: Base
Source states (paraphrased): you need USDC on the Base network
Source: Tuyo card availability | Tuyo Guides
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%
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
$250*Show source
ATM limit: $250
Per withdrawal incl. ATM surcharge; up to three attempts per rolling 24 hours
Source states (paraphrased): The limit is $250 per withdrawal, including the ATM surcharge
Source: Everything about Tuyo
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
Per withdrawal incl. ATM surcharge; up to three attempts per rolling 24 hours
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
$50,000*Show source
Spending limit: $50,000
Daily; can rise to $100,000 and then $200,000 as total spending grows
Source states (paraphrased): New cards have a daily spending limit of up to $50,000.
Source: Everything about Tuyo
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
Daily; can rise to $100,000 and then $200,000 as total spending grows
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%
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
Tuyo Card
- Annual & monthly fees+0 EUR
- FX costs−36 EUR
- Crypto conversion–
- ATM costsunknown
- Cashbackunknown
- Net annual valuenot enough data
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers