Zypto Card

Zypto Visa & Mastercard Prepaid Cards Review: Fees, Rewards & Availability

Basic Information

The Zypto Card bridges the gap between cryptocurrency holdings and everyday spending by providing instant crypto-to-fiat conversion when loading funds onto prepaid cards. Zypto offers multiple card options to suit different needs, from high-limit physical cards to single-load virtual cards requiring minimal verification. The Premium and reloadable virtual cards are available to residents of select countries (primarily LATAM, APAC, Africa, and certain US states), while single-load virtual cards offer truly global availability across 180+ countries.

Rewards and Benefits

ZYP Rewards Program

Rather than direct fiat cashback, Zypto offers a points-based reward system:

• Users earn ZYP reward points on card spending (1,000 ZYP = $1 USD)
• 100-step reward level ladder based on lifetime ZYPs earned
• Higher levels multiply base reward rates
• Points redeemable for card loads, gift card purchases, mobile top-ups, bill payments, and Vault Key Card purchases
• Gamified "quests" and tasks in the ZYP Rewards Hub
• Daily community rewards for $ZYPTO token holders
• "Zyptopia" tiers and Holders Club for enhanced benefits
• ZYP cashback rates vary based on Rewards Hub level

Referral Program

• $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)

Visa Signature Benefits

Premium VISA cardholders (both physical and virtual) receive a comprehensive suite of Visa Signature benefits, launched in November 2025:

• Concierge Service: 24/7 lifestyle and travel assistance
• Airport Lounge Access: Complimentary access to select airport lounges worldwide
• Travel Benefits: Travel insurance, trip cancellation/interruption coverage, and emergency assistance
• Purchase Protection: Extended warranty coverage and purchase security
• Lifestyle Perks: Exclusive access to events, dining experiences, and entertainment
• Travel Health Benefits: Medical and health coverage while traveling

Fees and Limits

Card Fees

Zypto Card fees are structured around four distinct card types, each with different pricing models to accommodate various user needs.

Transaction Fees

Spending Limits

Card Tiers and Options

Top-Up Methods

Users can top up Zypto Cards by transferring over 100 supported cryptocurrencies (including BTC, ETH, USDT, USDC, etc.) from any external wallet into their Zypto app, where funds are automatically converted to fiat (USD, EUR, or GBP) at the time of loading. This process requires moving assets from self-custody to the card provider's custodial wallet, with crypto-to-fiat conversion handled by third-party liquidity providers; typical conversion fees range from 0% to 4.5% depending on card type and asset, and a $6 + 4.5% reload fee applies to physical cards. Funds become available after blockchain confirmation, usually within minutes, but may take up to 45 minutes for slower networks. Minimum top-up amounts apply (e.g., $10 for reloadable virtual cards, $100 for physical cards), and maximum limits vary by card (e.g., up to $100,000 for physical cards, "unlimited" for reloadable virtual). Top-ups are initiated and managed exclusively through the Zypto mobile app, and all cards require pre-loading—no on-demand spending from self-custody wallets is supported.

Self-Custody Hybrid Custody

Zypto Card uses a hybrid custody model where users initially maintain full control over their crypto assets in a non-custodial wallet, but must transfer funds to the platform for card use. When loading the card, crypto is converted to fiat and held by the card issuer, meaning users lose independent control of those funds once loaded. While the Zypto app includes a non-custodial wallet for storage, all card spending relies on balances that are custodially managed by the platform. If Zypto or its banking partners ceased operations, users would not be able to access funds already converted and loaded onto the card, though assets left in the self-custodial wallet remain under user control. This model offers flexibility and broad crypto support, but the need to pre-load cards with fiat means users are exposed to both custodial risk and potential fiat volatility after conversion. It balances convenience and access with the tradeoff of relinquishing self-custody at the point of card funding.

Supported Currencies and Conversion

Cryptocurrency Support

Zypto supports 100+ cryptocurrencies across multiple blockchains, including:

Major Cryptocurrencies: Bitcoin (BTC), Ethereum (ETH), Litecoin (LTC), Ripple (XRP), Solana (SOL), Binance Coin (BNB), Cardano (ADA), Dogecoin (DOGE), Polkadot (DOT), Electroneum (ETN)

Stablecoins: USDT (multiple networks: ERC20, TRC20, BEP20, etc.), USDC (multiple networks: ERC20, SOL, etc.), DAI, BUSD, TUSD, USD1

Partner Tokens: WLFI and other ecosystem partner tokens

Supported Networks: Ethereum, Binance Smart Chain, Solana, Tron, Polygon, Arbitrum, Stellar, Sui, and others (continuously expanding)

Conversion Process

• Crypto is converted to fiat when loading the card, not at time of purchase
• Conversion typically takes minutes (depends on blockchain confirmation times)
• Conversion rates determined by third-party liquidity providers
• Conversion fees range from 0-3% for Premium and virtual cards, up to 4.5% + $6 for Classic physical card
• Settlement timing varies by blockchain:
  • Bitcoin: ~15-45 minutes
  • Faster chains (Solana, etc.): A few minutes
• Once confirmed, fiat is immediately available on card

Supported Fiat Currencies:

• Primary: USD (most cards are USD-denominated)
• Secondary options: EUR, GBP (for virtual cards)
• Display currencies: 100+ local currencies for balance display in-app
• All other fiat currencies supported via foreign exchange conversion:
  • 1.75% for Premium and new cards
  • 2.75% for Classic cards

Geographic Availability

Zypto Card availability varies significantly by card type, with different geographic restrictions for Premium/reloadable virtual cards versus single-load virtual cards.

Premium Physical and Reloadable Virtual Cards

The Zypto Premium Physical VISA Card and Reloadable Virtual VISA Card are available to residents of specific countries and US states (as of October 3, 2025):

Eligible Regions:

• Latin America: Argentina, Bolivia, Brazil, Chile, Colombia, Costa Rica, Dominican Republic, Ecuador, El Salvador, Guatemala, Honduras, Mexico, Nicaragua, Panama, Paraguay, Peru, Uruguay, Venezuela
• Asia-Pacific: Bangladesh, Bhutan, Cambodia, India, Indonesia, Japan, Laos, Malaysia, Maldives, Mongolia, Myanmar, Nepal, Pakistan, Philippines, Singapore, South Korea, Sri Lanka, Taiwan, Thailand, Vietnam
• Africa: Botswana, Burkina Faso, Cameroon, Egypt, Ethiopia, Ghana, Guinea, Ivory Coast, Kenya, Lesotho, Madagascar, Malawi, Mali, Mauritius, Morocco, Mozambique, Namibia, Niger, Nigeria, Rwanda, Senegal, Seychelles, Sierra Leone, South Africa, Swaziland, Tanzania, Togo, Tunisia, Uganda, Zambia, Zimbabwe
• Middle East & Other: Israel, Jordan, Turkey, Ukraine
• United States: Available in select states only (Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming)

Not Available: Premium and reloadable virtual cards are NOT available in Europe, Canada, Australia, New Zealand, or most other regions not listed above.

Single-Load Virtual Cards

The Zypto Single-Load Virtual Cards are available in 180+ countries globally, making them the truly global option in the Zypto card family. These cards have minimal geographic restrictions compared to Premium and reloadable cards.

Classic Physical Cards

The Zypto Classic Physical Card has its own set of eligible countries (as of July 7, 2025), which differs from both Premium/reloadable and single-load cards. Users should check the official restricted countries page for Classic cards for the most current list.

Restricted Countries

Zypto maintains separate, regularly updated restricted country lists for each card type. The following countries are generally restricted across all card types:

Sanctioned/High-Risk Countries: Belarus, Cuba, Iran, Iraq, North Korea, Russia, Sudan, Syria, Yemen

Other Restricted Regions: Crimea, Donetsk, and Luhansk regions of Ukraine; certain Balkans countries; Democratic Republic of Congo

Important Notes:

• Restricted country lists are updated regularly and vary by card type
• Official restricted country pages are maintained for:
  • Premium Physical + Reloadable Virtual VISA (updated October 3, 2025)
  • Classic Physical Card (updated July 7, 2025)
  • Single-Load Virtual Cards (updated July 7, 2025)
• Users should verify current availability in-app or on official Zypto pages before ordering
• Sanctioned individuals are barred regardless of country
• Some cards may be available for spending in countries where issuance is restricted

Compliance and Security

Identity Verification

Zypto employs a tiered verification approach:

Single-Load Virtual Cards and Mobile Top-Ups:

• Basic verification (name, email, address) or zero KYC for some services
• No document upload but includes sanction screening
• Near-instant verification
• Restrictions vary by country per the official restricted countries list (updated July 7, 2025)

Premium Physical, Classic Physical & Reloadable Virtual Cards:

• Full KYC required:
  • Government-issued ID (passport, driver's license)
  • Proof of address (utility bill, bank statement less than 75 days old)
  • IDs must have at least 7 months to expiry
• Verification typically processed within minutes via automated system
• Uses Sumsub for identity verification compliance

Security Features

• Two-factor authentication (2FA) for app login and withdrawals
• Email/SMS verification
• Authenticator-based 2FA option
• Instant fraud alerts for suspicious card activity
• Ability to freeze/unfreeze cards instantly via app
• Encryption for sensitive data transmission and storage
• "Vault Key Card" hardware solution for securing private keys offline
• Disguise mode for privacy in public settings

Regulatory Structure and Licensing

Previous VASP Registration: Zypto sp. z o.o. was previously registered as a Polish Virtual Asset Service Provider under registration number RDWW-874. As of late 2024, the Polish tax authority's public register shows this entry as terminated/removed.

Current Structure: Zypto cards are issued through regulated banking partners in various jurisdictions. Users should check the latest regulatory disclosures and local compliance requirements in-app or on Zypto's official legal pages.

Compliance Framework:

• Operates in compliance with EU anti-money laundering (AML) laws
• Partners with licensed entities for card issuance
• Subject to local regulations in each jurisdiction of operation

Custody Model:

• Zypto Wallet: Non-custodial (users control private keys)
• Card Funds: Custodial (converted to fiat and held by card issuer)
• Conversion flow: crypto → Zypto (conversion) → fiat held on card

Technical Details

Mobile App Integration

• Available on iOS and Android
• Integrated card management (order, load, freeze, view transactions)
• Non-custodial crypto wallet functionality
• Built-in dApp browser for DeFi actions
• Multi-chain support in one interface
• Crypto swapping capabilities via SwapKit, LetsExchange, and ChangeNOW integrations
• Official Electroneum 2.0 wallet integration
• Support for 25+ languages
• 100+ local currency display options

Payment Processing

• Standard Visa/Mastercard payment processing
• Prepaid card limitations apply for services requiring credit authorization holds
• Merchants requiring 3D Secure may decline Classic physical and some single-load virtual cards
• Foreign currency transactions supported with 1.75% fee (Premium and new cards) or 2.75% fee (Classic cards)
• Automatic currency conversion when spending in non-base currency

Card Technology

• Physical cards: EMV chip-enabled Visa cards
• Premium physical card: Supports 3D Secure authentication and mobile wallet integration
• Classic physical card: No 3D Secure or mobile wallet support (no tokenization)
• Virtual cards: Digital credentials compatible with online purchases
• Mobile wallet integration for Premium physical, reloadable virtual, and most single-load virtual cards (Apple Pay, Google Pay, Samsung Pay)
• 3D Secure authentication supported on Premium physical and reloadable virtual cards
• NFC ATM access available for reloadable virtual cards on supported ATMs

User Experience

Mobile App Features

The Zypto app serves as a comprehensive financial platform with:

• Integrated card management
• Non-custodial crypto wallet
• Bill payment service
• Gift card marketplace with thousands of brands
• MoneyGram integration for cash pickup
• Mobile top-ups in 170+ countries
• Rewards Hub for earning and redeeming ZYP points
• Built-in DApp browser
• Cross-chain swap integrations
• Vault Key Card cold-storage integration
• Disguise mode for privacy

Support Channels

• 24/7 human support ("Support Ninjas")
• In-app chat support
• Email ticket system
• Help Center (help.zypto.com)
• Telegram community
• Social media presence

Language Support

Zypto supports 25+ languages, including:

• English, Spanish, French, Portuguese
• Arabic, Chinese (Simplified & Traditional), German, Hindi
• Indonesian, Japanese, Korean, Malay, Nepali
• Russian, Serbian, Slovenian, Thai, Turkish
• Ukrainian, Urdu, Vietnamese
• And more (continuously expanding)

User Feedback

Positive Aspects:

• Industry-leading spending limits appreciated by power users
• Single-load virtual cards offer true global acceptance
• Fast virtual card issuance
• Integrated ecosystem (wallet, exchange, card in one app)
• Reliability (reported 99%+ uptime)
• Ability to "live off crypto" using the complete ecosystem
• Premium VISA benefits add significant value
• 24/7 human support responsiveness

Negative Aspects:

• Premium and reloadable cards have limited geographic availability
• Fees can add up, especially for small transactions on Classic cards
• Complexity for non-technical users
• Regional restrictions may cause unexpected issues
• Third-party dependencies occasionally causing support limitations
• Non-3DS support limiting online merchant acceptance (Classic and some single-load cards)

Best Suited For

Zypto Card is best suited for:

• Digital Nomads in Eligible Regions who need high spending capability without traditional banking (Premium/reloadable cards)
• Global Travelers who need single-load virtual cards accepted in 180+ countries with minimal verification
• Crypto Investors who want to utilize their holdings for everyday expenses without converting to fiat in a bank
• High-Net-Worth Individuals who require exceptionally high spending limits and premium travel benefits
• Freelancers Paid in Crypto who need a reliable way to spend their earnings globally
• Privacy-Focused Users who prefer minimal KYC options for smaller transactions (single-load cards)
• Frequent Travelers who value Visa Signature benefits like lounge access and travel insurance (Premium cards)

Pros and Cons

Pros

• Industry-leading spending limits (up to $1,000,000 monthly on Premium cards)
• Single-load virtual cards available in 180+ countries with minimal verification
• Multiple card options to suit different verification preferences and geographic locations
• Support for 100+ cryptocurrencies across multiple blockchains
• Integrated non-custodial wallet and comprehensive financial ecosystem
• Premium VISA cards include valuable Visa Signature benefits (concierge, lounge access, travel protection)
• Premium physical card offers 3D Secure and mobile wallet integration with no monthly fee
• 24/7 human support
• ZYP rewards redeemable across entire ecosystem (cards, gift cards, bills, mobile top-ups)
• 25+ language support

Cons

• Premium physical and reloadable virtual cards have limited geographic availability (specific countries and US states only)
• Classic physical card lacks 3D Secure authentication and mobile wallet integration
• Relatively high fees on Classic physical cards ($6 + 4.5% reload fee, $4 + 1% ATM withdrawals)
• $12 monthly maintenance fee for Classic physical cards
• Maximum 5 Classic cards per user; 1 Premium card and 1 reloadable virtual card allowed
• Conversion fees can add up for frequent small transactions
• Some online merchants may decline non-3DS cards (Classic and some single-load cards)
• Previous Polish VASP registration now shown as terminated in official register

Conclusion

The Zypto Card stands out in the crypto card market with its diverse product lineup catering to different geographic and usage needs. The platform offers exceptionally high spending limits on Premium cards (up to $1 million monthly) combined with valuable Visa Signature benefits including concierge service, airport lounge access, and comprehensive travel protection—making it particularly attractive for high-net-worth individuals and frequent travelers.

The key distinction in Zypto's offering is geographic availability: Premium physical and reloadable virtual cards are available only in select countries (primarily LATAM, APAC, Africa, and certain US states), while single-load virtual cards provide truly global reach across 180+ countries with minimal verification requirements. This tiered approach allows Zypto to serve both users in supported regions who need high-limit reloadable cards and global users who need quick, low-verification virtual cards for one-time purchases.

The integration with Zypto's broader ecosystem creates a comprehensive financial platform that allows users to "live off crypto" without traditional banking—including bill payments, gift card purchases, mobile top-ups, and MoneyGram cash pickup. The ZYP rewards program adds value by allowing points to be redeemed across all these services, not just for card credits.

However, the fee structure can be substantial for some card types—particularly the Classic physical card's $6 + 4.5% reload fee, $4 + 1% ATM withdrawal fee, and $12 monthly maintenance fee. The Classic physical card also lacks 3D Secure authentication and mobile wallet integration, potentially limiting online merchant acceptance. Users in regions not supported for Premium/reloadable cards must rely on single-load virtual cards, which lack reloadability and 3DS support.

The ideal Zypto Card user is someone who holds significant cryptocurrency and needs a reliable way to spend it globally. Digital nomads in eligible regions, freelancers paid in crypto, and crypto investors looking to utilize their holdings will find the most value—especially if they can leverage Premium cards' Visa Signature benefits and justify fees through regular usage of the ZYP rewards system. For users outside Premium/reloadable card regions, single-load virtual cards offer a practical global spending solution with minimal verification requirements.

Additional Information

Mobile Wallet Integration

The ability to add Zypto cards to mobile wallets varies by card type:

• Premium physical card: Fully compatible with Apple Pay, Google Pay, and Samsung Pay; supports 3DS for wider acceptance
• Classic physical card: Currently cannot be added to mobile wallets; must be used as physical plastic only (no tokenization support)
• Reloadable virtual card: Fully compatible with Apple Pay, Google Pay, and Samsung Pay; supports 3DS for wider acceptance
• Single-load virtual cards: Most can be added to Apple Pay/Google Pay, though some merchants may decline non-3DS cards

This distinction is crucial for users who prefer contactless payments, as only Premium physical, reloadable virtual, and most single-load virtual cards currently support this functionality.

Ecosystem Integration

The card services are part of a broader financial ecosystem that includes:

1. Zypto DeFi Wallet: Non-custodial wallet supporting multiple blockchains
2. Zypto Pay: Payment gateway for merchants to accept crypto
3. Bill Pay Service: Direct payment of utilities and mortgages with crypto
4. MoneyGram Access: Cash pickup from MoneyGram locations using crypto
5. Gift Card Marketplace: Purchase thousands of brand gift cards with crypto and earn ZYP points
6. Mobile Top-Ups: Recharge mobile phones in 170+ countries with crypto
7. Electroneum Integration: Official Electroneum 2.0 wallet with ETN card loading support

This integration creates a comprehensive financial platform that reduces dependency on traditional banking infrastructure, allowing users to manage their entire financial life through one application.

Mobile Top-Ups

Launched in July 2025, Zypto's mobile top-up service allows users to recharge mobile phones with cryptocurrency in 170+ countries across 800+ operators:

• Global Coverage: Available in 170+ countries with 800+ mobile operators supported
• Cryptocurrency Support: Use any of 100+ supported cryptocurrencies for top-ups
• No KYC Required: Top-ups can be processed through DeFi flow without KYC verification
• Instant Processing: Receive confirmation within minutes of transaction completion
• Blockchain Receipts: Get verifiable blockchain receipts for all transactions
• No Bank or Card Required: Direct crypto-to-mobile-credit conversion without traditional financial intermediaries
• In-App Integration: Seamlessly access through the Zypto App (v1.19+)
• ZYP Rewards: Earn ZYP points on mobile top-up purchases

This service further extends Zypto's real-world utility for cryptocurrency holders, allowing them to pay for essential services directly with their digital assets without requiring conversion to fiat currency first.

Gift Card Marketplace

The Zypto App includes a comprehensive Gift Card Marketplace offering:

• Thousands of Brands: Access gift cards from major retailers and service providers globally
• Cryptocurrency Payment: Purchase gift cards directly with any of 100+ supported cryptocurrencies
• ZYP Rewards: Earn ZYP reward points on all gift card purchases
• Instant Delivery: Digital gift cards delivered instantly after purchase
• Global Selection: Gift cards available for retailers in multiple countries and regions
• No Traditional Payment Required: Direct crypto-to-gift-card conversion without bank accounts or credit cards

This marketplace expands the utility of cryptocurrency holdings by enabling direct purchases at major retailers without the need for a crypto card, while simultaneously earning rewards through the ZYP program.