Crypto card review
Zypto Virtual Card review: fees, limits and KYC
Zypto Virtual Card is a physical card on the visa network. It has no annual fee. It pays 0% cashback on spending. The provider requires identity verification before issuing it. The provider lists the United States as a supported region.
VisaPhysicalKYC required
Crypto card fees on Zypto Virtual Card, and what it offers
Three fields decide what Zypto Virtual Card costs: the annual fee, the issuance fee and the top-up fee. For this card the dataset holds an annual fee of Free, an issuance fee of Free and a top-up fee of 3%. Top-up is the one that recurs, because it is charged each time value is moved onto the card, which is why it costs more over a year than the annual fee usually does. Zypto Virtual Card publishes an ATM limit of $22,000, which is the most it will hand out in cash.
| Network | Form | KYC | Annual fee | Issuance | Top-up | Cashback | ATM limit | Wallets | In the US |
|---|---|---|---|---|---|---|---|---|---|
| Visa | Physical | Required | Free | Free | 3% | 0% | $22,000 | Apple Pay, Google Pay | Yes |
A dash in this table means the provider dataset holds no value for that field. It does not mean the fee is zero. Fee and limit data was last updated 2026-10-02.
Where Zypto Virtual Card is available
The provider lists Worldwide as supported. Availability is the first thing to check, because a lower fee does not help if the provider will not issue to you.
The trade-offs on Zypto Virtual Card
These are read straight off the fields in the table above, not opinions.
What works in your favour
- No annual card fee
- Free card issuance
- Apple Pay and Google Pay supported
- ATM withdrawals up to $22,000
What costs you
- 3% top-up fee
- Identity verification required
What people say about Zypto Virtual Card
Short extracts from public reviews, kept short and linked back to the source, collected 2026-09-29. These are other people's opinions, not ours.
These come from Trustpilot and cover the whole Zypto Virtual Card service, not only the card, so account handling, support and transfers appear alongside anything about spending. They are the reviews the source lists first, not a balanced or curated selection, so a run of complaints can appear here exactly as it does on the source. A block is only shown when enough of the collected reviews actually discuss spending with crypto, because a brand name is not a product and some providers share a name with an unrelated business. Read this section for the provider's reputation and the table above for what the card itself charges and does.
Excellent and quick customer in-app support, in my case from Alok and Luka, 24/7 through the Zypto app, the state-of-the-art crypto wallet app.
Tom, trustpilot.com, rated 5/5
Debit card: They say no top-up charges...NOT TRUE. I topped up their card with USDT Tron and they want $5 each time. Is no card…
Fred, trustpilot.com, rated 2/5
High recommend this company. The support staff is incredible. A foreign atm charged me without dispersing cash and refused to reverse the charge or check…
David, trustpilot.com, rated 5/5
Easy to use especially payments and customer support team Alok
Latif Kamya, trustpilot.com, rated 5/5
very nice and refund very good for me
customer, trustpilot.com, rated 5/5
Great experience with customer service. Alok in particular was pretty helpful with all inquiries.
David Thuo, trustpilot.com, rated 5/5
Had a slight issue with a bill payment getting stuck and contacted support and Alok got it fixed and processed very fast. Was quite knowledgeable…
Clay, trustpilot.com, rated 5/5
Thank you for the prompt reply
Relly, trustpilot.com, rated 5/5
The CSR I dealt with (Alok was his name) really addressed all of my issues. He quickly explained why my application was not accepted and…
GG, trustpilot.com, rated 5/5
They are EXTREMELY helpful. They are very quick to help and fix an issue you have. I am very greatful that I found their services.
Jan Ivan van Dyk, trustpilot.com, rated 5/5
Cards to compare Zypto Virtual Card against
Available in the country you are browsing from, on the same fields as the table above.
| Card | Network | Form | KYC | Annual fee | Issuance | Top-up | Cashback | ATM limit | Wallets | In the US |
|---|---|---|---|---|---|---|---|---|---|---|
| Plasma One | Visa | Virtual, Physical | Required | Free | Free | Free | 2% | — | Apple Pay, Google Pay | Yes |
| Kardpay Card | Mastercard | Virtual | — | Free | $29 | 5% | 0-2% | $1,500 · daily | — | Yes |
| Zero Fiat Browser Extension | Mastercard | Virtual | Not required | Free | Free | Free | 1% | — | — | Yes |
Zypto Virtual Card in context
Cashback 0%, top-up 3%, annual fee Free. Provider terms change on their own schedule; confirm anything you rely on with the provider before you fund an account.