Best Bitcoin Debit Cards (2021)

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Interest in Bitcoin (BTC) is continuing to grow, but only a tiny percentage of merchants accept it (or any other cryptocurrency).

Fortunately, there are more and more bitcoin debit cards available (e.g., Visa Card or Wirex Card).

Bitcoin debit cards allow you to instantly convert and spend your cryptocurrency online and in-store. There are some minor exceptions, but they’re usually accepted anywhere that a Visa or Mastercard is.

But what’s the best bitcoin debit card in the UK?

In this post, I’ll go through the best bitcoin debit card options available to you in the UK.

Best Bitcoin Debit Cards

1. Visa Card

Supported CountriesUK, US, CA, EU, & Singapore
Supported Fiat CurrenciesGBP, EUR, AUD, HKD, JPY, & SGD
Supported CryptocurrenciesBitcoin (BTC), Ethereum (ETH), Litecoin (LTC), Ripple (XRP), TrueUSD (TUSD), & 85+ More
Card IssuanceFree
Account Management FeeNone
Card TypeVisa

Previously known as the ‘Monaco Card’ or ‘MCO Visa Card’, the rebranded Visa card is an interesting option.

The Visa Card to US, UK, CA, EU, and Singapore residents. Like other crypto cards, it will work anywhere that Visa is normally accepted (which is pretty much everywhere).

You’ll get better card benefits depending on how much CRO token you’re willing to stake.

If you stake 5,000,000 CRO, then you get:

  • 8% back on all your spending.
  • 100% rebate on Spotify, Netflix, and Amazon Prime subscriptions.
  • 10% cashback on Expedia and Airbnb purchases.
  • Free ATM withdrawals for the first $1000 every month.
  • Unlimited access to interbank exchange rates for all your currency exchanges.
  • A few more things, like bonus interest and access to ‘ Private’.

Sound good. What’s the catch?

At the current exchange rate, you’d have to stake approximately $815,000. I wish I was joking.

Fortunately, a free Visa Card is available. This provides 1% cashback, $200 of free ATM withdrawals, and the interbank exchange rate for the first $2000 of currency exchanges you make every month.

Without a doubt, I think this is the best bitcoin debit card available right now. ReviewDownload App

2. Wirex Debit Card

Supported CountriesFull support in 37 countries, incl. UK, EU, and Singapore.
Supported Fiat CurrenciesGBP, EUR, USD, & 7 other government-issued currencies.
Supported CryptocurrenciesBitcoin (BTC), Ethereum (ETH), Litecoin (LTC), Ripple (XRP), Waves (WAVES), Wollo (WLO), Dai (DAI), Nano (NANO), Stellar (XLM), & Wirex Token (WRX)
Card IssuanceFree
Account Management FeeFree
Card TypeMastercard Debit Card (Prepaid)

Wirex’s crypto debit card is currently available in the UK and Europe, but it’ll soon be available in the US too (expected April 2021).

It’s FREE to open an account and get a GBP or EUR physical card. In a recent update, they’ve also scrapped the account management fee.

With a free account, you’ll get 0.5% cashback when you use your card in-store. If you upgrade to a ‘Standard’ or ‘Elite’ plan, then you can get up to 2% in cashback when you use it in-store and online (as well as some other benefits).

And the cherry on top?

It’s one of the easiest and cheapest places to buy bitcoin in the UK with a debit card. While many alternatives are charging fees of more than 4% to buy bitcoin with a debit card, Wirex charges a fixed fee of 1% (with about an extra 0.4% fee in the exchange rate).

Wirex ReviewWirex Website

3. Coinbase Bitcoin Debit Card

Supported CountriesUK, EU, & US
Supported Fiat CurrenciesGBP, EUR, & USD
Supported CryptocurrenciesBitcoin (BTC), Ethereum (ETH), Litecoin (LTC), Bitcoin Cash (BCH), Ripple (XRP), Basic Attention Token (BAT), Augur (REP), 0x (ZRX), & Stellar (XLM)
Card Issuance£4.95
Account Management FeeFree
Card TypeVisa Debit (GBP)

Coinbase announced their cryptocurrency debit card, dubbed ‘Coinbase Card’, on 11 April 2019. It’s now available to residents in the United Kingdom, most countries in Europe, and the United States.

The Coinbase card seamlessly connects with your Coinbase cryptocurrency wallets. It automatically converts your preferred cryptocurrency on-demand to cover whatever purchases you make with it.

Here’s the summary from my full Coinbase Card Review:

While the Coinbase Card makes spending your cryptocurrency quick and easy, it isn’t the cheapest way of spending your cryptocurrency with a debit card in the UK. You’ll be charged an issuance fee of £4.95, a cryptocurrency exchange fee of 2.49%, and additional transaction fees outside the UK.

I liked the Coinbase card, but it’s no competition for what’s being offered by or Wirex. The transaction costs are so high that it’s not a valid alternative. I wouldn’t recommend it.

Coinbase Card ReviewCoinbase Card Website

4. Cryptopay Bitcoin Debit Card

Supported CountriesUK & EU
Supported Fiat CurrenciesGBP, EUR, & USD
Supported CryptocurrenciesBitcoin (BTC), Ethereum (ETH), Litecoin (LTC), & Ripple (XRP).
Card Issuance£15.00 / €15.00 / $15.00
Account Management Fee£1.00 / €1.00 / $1.00
Card TypeVisa Prepaid (GBP, EUR, & USD)

The CryptoPay Card (dubbed the ‘C.Pay Card’) is a bitcoin debit card that’s now available in the UK. It’s not currently available anywhere else, but it’ll gradually be rolled out to EU countries.

Unlike alternatives, you’ll need to pay a card issuance fee when you order a physical card. You’ll also need to pay an account management fee to keep your account open. And to make matters even worse? You’ll be charged 1% to top-up (i.e., load) money onto your CryptoPay Card so that you can actually use it.

I’m not that impressed with it.

Cryptopay Card ReviewCryptopay Website

5. Monolith Card

Supported CountriesUK & EU
Supported Fiat CurrenciesGBP & EUR
Supported CryptocurrenciesEthereum (ETH), Monolith (TKN), and "most common ERC-20 tokens".
Card IssuanceFree
Account Management FeeFree
Card TypeVisa (GBP & EUR)

Previously known as TokenCard, the rebranded Monolith Card is now available in the UK and EU.

But it’s not a bitcoin debit card and doesn’t work like any of the alternatives on this list. It’s a Visa debit card that’s connected to a non-custodial ethereum (ETH) wallet (Monolith Wallet). In short, this means that you’ll be the only one with the private key tied to your Monolith Wallet. It’s pretty cool.

You can exchange your ethereum and ERC-20 tokens at the real exchange rate, with no fees whatsoever. However, you’ll pay fees to top-up your Monolith Card. Depending on the currency you’re using, it can be either 1% or 2%. You’ll also have to pay blockchain transactions fees whenever you swap tokens or top-up your card.

Monolith Card ReviewMonolith Website

6. BitPay Bitcoin Debit Card

Supported CountriesUS
Supported Fiat CurrenciesUSD
Supported CryptocurrenciesBitcoin (BTC), Ethereum (ETH), Ripple (XRP), Bitcoin Cash (BCH), Gemini Dollar (GUSD), USD Coin (USDC), & Paxos Standard (PAX)
Card Issuance$10.00
Account Management Fee$5 per month (if you don't use the card once every 90 days)
Card TypeMastercard

The BitPay bitcoin debit card is currently only available to US residents, across all 50 states.

Although you’ll need to pay a card issuance fee of $9.95, you won’t be charged an account management fee as long as you use the card at least once every 90 days. If you load dollars onto your BitPay debit card using your BitPay bitcoin wallet, then you won’t pay any additional fees.

When you’re in the United States, it’ll be accepted anywhere that a Prepaid Visa is usually accepted. You won’t pay anything to use your BitPay debit card while in the United States, but you’ll pay a 3% foreign transaction fee when using it abroad.

If you’re a United States resident, this seems like a great option from a reputable and established company.

BitPay Website

7. BlockCard Debit Card

Supported CountriesUS
Supported Fiat CurrenciesUSD
Supported CryptocurrenciesBitcoin (BTC), Ethereum (ETH), Litecoin (LTC), Bitcoin Cash (BCH), Stellar Lumens (XLM), & More
Card Issuance$10 (Plastic) or $50 (Metal)
Account Management Fee$5 per month (if you don’t spend $750 per month at POS merchants)
Card TypeVisa

The BlockCard is only available to United States residents right now, but it will be rolling out to 31 countries in Europe in the future.

The BlockCard works a little differently to other crypto debit cards.

To use it, you’ll need to load your account with Ternio (TERN). You can do this by depositing USD with a wire transfer or sending over any supported cryptocurrency. Whenever you make a purchase with the BlockCard, your Ternio (TERN) is automatically converted into fiat to cover the charge.

I don’t like how this works.

Why? It forces you to convert into and use Ternio (TERN) – rather than just spending from your preferred cryptocurrency.

The fees also seem high. You’ll be charged a card issuance fee of at least $10, a monthly fee if you don’t spend more than $750 per month, and fees whenever you use the BlockCard at an ATM.

On the plus side, you can get up to 6% cashback (in TERN) on your spending if you lock-up 145,000 TERN (about $2800 at the current exchange rate).

BlockCard Website

8. BlockFi Visa Card [Coming Soon]

The BlockFi Visa Card will be a credit card that’s linked to your BlockFi account.

With this bitcoin debit card, you’ll receive 1.5% in cashback (in Bitcoin) whenever you use it in-store or online. Like other cryptocurrencies stored in your BlockFi account, you’ll then automatically start earning interest on it.

But it doesn’t look cheap. It has an annual fee of $200. Ouch.

On the plus side, it’s going to come with some awesome rewards:

  • Get $250 in Bitcoin (BTC) if you spend $3000 in the first three months.
  • 5% cashback (instead of 1.5%) in months 4- 6 (max $100).
  • 2% higher APY on stablecoins stored in your BlockFi Interest Account.
  • And more!

This’ll be available from Spring 2021 to US residents.

BlockFi ReviewJoin Waitlist

The Bottom Line: Best Bitcoin Debit Card? Cards (MCO Visa Card)

Right now, there isn’t much choice.

If you’re from the UK or Europe, then I think the best bitcoin debit card is the Visa Card.

With the Visa Card, you can easily convert and spend your cryptocurrency balance anywhere that Visa is accepted (which is pretty much everywhere). You’ll also get up to 8% cashback (in CRO) when you use your card online or in-store.

You can find out everything you need to know in my review.

A Little History

Back in January 2018, Visa terminated WaveCrest’s Visa membership. This impacted lots of popular bitcoin debit cards who issued their cards via WaveCrest. This meant that most bitcoin debit card providers had to (temporarily) cease offering their products.

Unfortunately, it’s happened again. Wirecard has filed for insolvency and been ordered by the FCA to freeze all activities. This may impact the availability of some cards, such as the MCO Visa Card, CryptoPay, and TenX if you’re in the UK or Europe.

What Do You Think?

Thanks for checking out this list of the best bitcoin debit cards!

Have a question? Or want to share what your favourite bitcoin debit card is?

Let me know in the comment section below!

19 thoughts on “Best Bitcoin Debit Cards (2021)”

  1. Hey, excellent article. Love your site.
    Just wondering. With the next crypto currency bubble looking imminent, Is it worthwhile to spend the tokens using these cards? rather than hodling them for dear life !

    • Thanks for commenting, Kat!

      Spending cryptocurrency using a crypto debit card is the equivalent of cashing out that specific cryptocurrency. As I’m content with what I’m holding and not looking to sell it off, I currently just load-up my preferred crypto debit card with GBP for spending.

      Alternatively, you could setup a recurring purchase to replace whatever you’re intending to spend. An ever-growing number of places are introducing support for this (e.g.

      • Hi Dean,

        Pigging backing on this question, I’d be interested to know what card you are using that allows you to spend in fiat but earn points in crypto.

        • Thanks for commenting!

          The one I’m currently using the most is the Visa Card (previously MCO Visa Card). This allows you to spend in GBP and earn cashback in Coin (CRO).

          Another crypto debit card that rewards cashback is the Wirex Visa Card. This gives you up to 1.5% cashback (on in-store purchases) in Bitcoin (BTC).

          At this moment, I prefer the Visa Card. Even if you get the card which requires no staking of CRO, you’ll get 1% in cashback on all spending. If that interests you, check on my review.

  2. What Wirex offers is the best….however their support is awful, ticket only email system that takes an average of 3 days for a response (which is a very long time to not be able to buy food and essentials because there’s an issue on your account)… operators are unsympathetic and more often than not simply lie about the situation to you when you finally get an email back. You simply cannot trust anyone with your money that isn’t immediately contactable in the event of a problem.

    • Ian, thanks for commenting!

      Sad to hear that. Others have said the same thing in the comments of my Wirex review. Did you manage to get the issue resolved in the end?

      Although I’ve switched to using crypto debit cards for my spending (the cashback is too good), I tend not to keep much on them – just in case there are issues.

      • Hi Dean…. I still do use Wirex but always make sure I have accessible funds elsewhere. I read one of the comments on your article talking about a Plutus card that gives 3% cashback which is amazing, so I ordered one but it takes 12 weeks to come, still got about 3 weeks left to wait for it. Hoping for good things from it.

        • Ian, thanks for commenting!

          I still have my Wirex card, but I’ve switched over to using the card because of the cashback (and better rates) it offers.

          Plutus does look good, but I need to dive-in a little more to that. When you do get it, let me know how you get on with it!

          Another option I’ve heard about is Swipe (acquired recently by Binance). It seems to work like, where you’ll need to stake some of their native cryptocurrency to unlock better cashback and rewards (e.g. Spotify, Netflix, and Amazon Prime cashback).

  3. Hey great article! I think Wirex is actually the worst one from experience, Coinbase has too high fees while has too much high staking to get any benefit so it’s pretty much catered the rich.

    I currently recommend, and use already working UK and EU with 3% rewards for EVERYONE on all spending plus benefits. It’s non custodial and very similar to Monolith but better. Keep an eye out for Foldapp as well but that is only available in the US.

    • Thanks for commenting, Nick!’s staking requirements are a little insane for the higher tiers. Last time I checked, I think it was about £168,000 to get the 5% cashback! But the lower tiers don’t seem that bad to me – about £168 locked up to 2% cashback, as well as 100% cashback on Spotify.

      You’ve caught my attention with though! Thanks for the tip – I’ll check it out! 😀

      • Hey!

        I have and use’s card the 2’nd tier on 10.000 CRO stake (now you need 25000 CRO to stake)

        I can only say good things about it, for now!

        It’s my day to day card and the perks are really good. There is 0 fee’s and the conversion rates are on point! There is no monthly fee or any fee for sending fiat to it.

        Gives you 3% in CRO, which is convertible and you can charge the card with them from the app or you can stack and hold them as an investment. (CRO is still low 😉 )

        I was a fool not to make the 100k CRO stake before they made it 250k but that’s life. I’m missing on some good perks and also 5% in cashback.

        • Thanks for commenting, Andrei!

          Great to hear your thoughts on it. My personal experience with the MCO Visa Card has been great too. Seems like a no-brainer when compared to the alternatives out there right now. I haven’t made as much use of it as I should have, but the cashback you can get when you buy gift cards through Pay is decent too (previously up to 10%)!

          You’re not the only one with regrets! But on the flip side, at least you’ve locked in that lower staking requirement – as they’re continuing to mess around with these numbers. I recently had an email that they’re increasing the staking requirements of your card from 25,000 CRO to 50,000 on 18/1/2021! Insane.

  4. Hi Dean! thanks a lot for your articles, have been reading it with a big interest. I’d like to recommend you one more option for consideration. That’s not a crypto debit card but a prepaid debit card with a hot wallet linked to it. So there are 2 different products in one app and you can do crypto-fiat and fiat-crypto exchanges at rates indicated in the app. They are changing in real time but are always ok for me.


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