The Crypto.com Visa Card fee structure is tier-based. While there are no monthly subscription fees, costs vary depending on your card tier (Midnight Blue through Obsidian) and your usage patterns, specifically regarding ATM withdrawals and card replacements.
1. Monthly Usage Fees & ATM Limits
Every tier has a monthly "Free ATM Withdrawal" limit. Once exceeded, a 2% fee applies to all subsequent withdrawals for that month.
| Card Tier | Free ATM Limit (Monthly) | Excess ATM Fee | Monthly Subscription |
|---|---|---|---|
| Obsidian | $1,000 / €1,000 | 2% | $0 |
| Icy White / Rose Gold | $1,000 / €1,000 | 2% | $0 |
| Royal Indigo / Jade Green | $800 / €800 | 2% | $0 |
| Ruby Steel | $400 / €400 | 2% | $0 |
| Midnight Blue | $200 / €200 | 2% | $0 |
2. Issuance & Replacement Fees
Fees associated with getting a new card or replacing an existing one.
| Action | Fee Amount | Notes |
|---|---|---|
| New Card Issuance | Free* | Requires CRO staking (except Midnight Blue). |
| Card Upgrade Fee | $50 / €50 | Waived in certain regions/promotions. |
| Replacement (Lost/Stolen) | $50 / €50 | Standard fee for physical metal cards. |
| Re-issuance (Expired) | Free | Standard renewal of expired cards. |
| Close Account Fee | $50 / €50 | Applicable if you wish to redeem remaining balance. |
3. Transaction & FX Fees
- Foreign Exchange (FX): Crypto.com uses the Interbank Exchange Rate. Most tiers offer a monthly limit for "Free FX" (ranging from $2,000 to Unlimited). A 0.5% fee applies after the limit.
- Crypto-to-Fiat Spread: When topping up the card with crypto, a spread (typically 0.5% - 2.0%) is built into the conversion price.
ATM Fee Estimator
Calculate potential fees if you exceed your monthly free limit.
Estimated ATM Fee: $4.00
*Calculated as 2% of the amount exceeding your tier limit.