39 Best Crypto Cards in Bangladesh 2026

What to Know Before Using Crypto Cards in Bangladesh

Regulation

Crypto Spending Treated as Unauthorized

The central bank warns that using or trading crypto violates foreign exchange and anti-money laundering laws, making any card spend a legal risk.

Banking

High Risk of Bank Account Freezes

Banks are explicitly instructed to monitor and prevent crypto-related activity, often leading to immediate account flags or closures for suspicious transfers.

Restriction

$12,000 Annual Travel Spending Limit

Residents are subject to a strict $12,000 USD per year quota for international card spending and travel, which is closely monitored by authorities.

Heads Up

Mobile Wallet Throttling Risks

Popular payment rails like bKash and Nagad are subject to sudden government-imposed limits or P2P transfer caps during sensitive periods.

Tax

No Specific Crypto Tax Framework

Because crypto is considered unauthorized, there is no clear tax guidance for spending it; legal enforcement usually happens before tax becomes an issue.

Restriction

Mainstream Card Issuers Avoid Residency

Most reputable crypto card programs do not onboard Bangladesh residents due to the country's restrictive regulatory environment and compliance hurdles.

Common Questions About Crypto Cards in Bangladesh

1 Is it legal to use a crypto card in Bangladesh?

It is not officially legal. The Bangladesh Bank considers crypto transactions unauthorized and potentially in violation of foreign exchange laws, meaning using a card could lead to legal trouble or your bank account being shut down.

2 Will my bKash or Nagad account be blocked if I use it for crypto?

There is a high risk. Mobile Financial Services (MFS) providers are required to monitor for crypto-related patterns, and any transfer that looks like it is funding a crypto platform can result in your wallet being frozen.

3 How much can I spend on an international card each year?

Bangladesh residents have a personal travel quota of $12,000 USD per calendar year. All international card transactions are tracked by the central bank to ensure you do not exceed this limit.

4 Do I have to pay a specific tax when I spend crypto?

There is no specific 'crypto tax' because the government does not recognize crypto as a legal asset. However, if you were to report gains, they would likely be treated as capital gains, though the bigger risk is the transaction being flagged as illegal.

5 Can I top up a crypto card using a local bank transfer?

Directly funding a crypto card from a local bank is nearly impossible as banks block known crypto exchanges. Most users rely on risky workarounds that frequently trigger fraud alerts and account reviews.

Country-specific information last researched on February 13, 2026 . Regulations and policies can change — always verify with your card provider and local tax authority.

Top-Rated Cards in Bangladesh

Top-Rated Card Details

Ether.Fi Cash Card

4.6⭐

Ether.fi Cash is a non-custodial Visa credit card for DeFi users seeking spending power without selling crypto.

Ready Card

4.6⭐

The Ready Metal Card is a premium self-custodial Mastercard debit card for spending crypto while retaining asset control. Crypto stays in your wallet until each payment, ensuring complete financial autonomy.

Kolo Card

4.1⭐

Kolo Card is a crypto debit card that lets users spend cryptocurrencies, including memecoins, at merchants worldwide that accept Visa or Mastercard. Designed for crypto enthusiasts, it features automatic real-time crypto-to-fiat conversion for everyday purchases.

PAYY Card

4⭐

PAYY Card is a crypto-enabled Visa credit card that lets users spend stablecoins (USDC) directly at merchants while maintaining privacy through zero-knowledge proofs on the Payy Network blockchain. The self-custodial model gives users full control of their funds via the PAYY Wallet app.

Rizon Card

3.8⭐

Rizon Card is a non-custodial, stablecoin-backed Visa debit card for spending USDC or USDT directly from your own wallet. It converts stablecoins to local currency at purchase, with no custodial deposits or manual off-ramping.