Interest in Bitcoin (BTC) and other cryptocurrencies is continuing to grow, but only a tiny percentage of merchants accept them.
Fortunately, more and more crypto debit cards are becoming available in the UK.
But they’re not all created equal. Some of the many crypto debit cards I’ve tested out aren’t a good deal.
In this list, I’ve collected together seven of (what I consider to be) the best crypto debit cards that are currently available in the UK.
This post is a top-level look at what’s available. But for each option I’ve included, you’ll find links to my hands-on reviews of each debit card.
Best Crypto Debit Cards
1. CoinJar Card
The CoinJar Card has only recently been released in the UK (February 2022).
And, without a doubt, it’s one of the best crypto debit cards that you can currently get in the UK.
Unlike many alternaitves out there, it’s also a “true” crypto debit card.
This means that you don’t need to manually convert your cryptocurrency into GBP before using the card.
Instead, the CoinJar Card automatically converts, on-demand, any of the 50+ cryptocurrency stored in your CoinJar wallets into GBP to cover any purchases made with the card. I prefer how this works, as it means you can keep your money stored in Bitcoin (BTC) or any other cryptocurrency for as long as possible.
You’ll be charged a 1% fee whenever the card converts a cryptocurrency into GBP to cover your spending. After looking at numerous crypto debit cards, this seems competitive to me.
And to make things better?
You’ll get 2 CoinJar Reward Points for every £1 you spend using this card.
These reward points can only currently be redeemed to pay for exchange fees when buying cryptocurrencies using CoinJar in the future (at a rate of 1 point per £0.01 of fee reduction). I’ve gone into more detail in my dedicated review of the CoinJar Card, but I think this is a pretty sweet deal.
|Rewards||2 CoinJar Reward Points per £1 spent|
|Supported Cryptocurrencies||50+ (including Bitcoin & Ethereum)|
Over the last couple of years, the Crypto.com Visa Card has been a popular option.
But recent changes to its card reward programme mean that it’s not as great as it once was.
It previously offered up to 8% cashback on your spending, plus a slew of other benefits (like rebates on Spotify, Netflix, and Amazon Prime subscriptions).
Cashback is now capped at 5% – and that’s only if you lock-up £300,000 worth of Cronos (CRO) for six months to get the Obsidian version of the card. To put that into context, it’s currently the price of the average home in the UK!
Lower-tier versions of the Crypto.com Visa Card are available though:
|Card Tier||Cashback (With CRO Stake)||CRO Stake Required|
|Royal Indigo / Jade Green||2%||£3,000|
|Icy White / Frosted Rose Gold||3%||£30,000|
There’s one thing I really don’t like about this crypto debit card:
If you top-up the card using a cryptocurrency in your account, you’ll be quoted no explicit fees.
However, the exchange rate you’re quoted might be lower than it should be. When I topped up my card using Litecoin (LTC), I was quoted prices that were about 2% lower than they should have been. Not good at all.
|Rewards||Up to 5%|
|Supported Cryptocurrencies||250+ (including Bitcoin & Ethereum)|
The Coinbase Card has been available in the UK since April 2019.
Like the CoinJar Card, it will automatically convert your preferred cryptocurrency, on-demand, to cover whatever purchases you make using the card.
Awesome. This makes spending some of your cryptocurrency stash practical, quick, and easy.
But I think that the Coinbase Card isn’t a competitively priced option. You’ll be charged a fee of 2.49% whenever it sells a cryptocurrency to cover the cost of anything you’re buying.
And unlike the CoinJar Card (which works exactly the same way), it doesn’t offer any rewards to UK residents.
|Supported Cryptocurrencies||8 (Including Bitcoin & Ethereum)|
4. Wirex Card
The Wirex Card was one of the first crypto debit cards that I used.
But as more alternatives have launched in the UK, I think it’s become a less and less attractive option.
While you can get 2% cashback on your spending, you’ll have to pay £29.99 worth of Wirex Token (WRX) per month to get that.
However, you can also open a free account and still get 0.5% cashback on your in-store spending.
Here’s the thing I don’t like:
When I recently checked, I was quoted an exchange rate that was higher than it should have been (by about 0.5%) and another fee (of about 1.3%) to exchange GBP for Bitcoin (BTC). I think that’s too high.
|Monthly Fee||Up to £29.99|
|Rewards||Up to 2%|
|Supported Cryptocurrencies||9 (Including Bitcoin & Ethereum)|
The Monolith Card doesn’t work like any of the other options in this list.
This card is connected to a non-custodial Ethereum (ETH) wallet (Monolith Wallet). This means that you’ll have 100% control of anything stored in the Monolith Wallet and be the only one that can access it.
But all the various fees that you’ll encounter make it quite a costly option to use on a day-to-day basis.
You’ll pay up to 2% in fees to top-up your card with GBP by converting any cryptocurrency stored in your Monolith Wallet – except if it’s Monolith (TKN), in which case you’ll pay 0% fees.
You’ll also be responsible for paying network fees when you top-up from your Monolith Wallet. This is the killer, as the average transaction Ethereum (ETH) transaction fee has frequently been in excess of $10 in 2022.
|Supported Cryptocurrencies||Ethereum, Monolith, & "most common ERC-20 tokens".|
The CryptoPay Card has been around for years, but it’s never really impressed me.
On top of charging you to order a physical card (currently £5), it also has a monthly fee (currently £1). Most alternatives don’t charge anything to get a card – and have plans which don’t require any monthly commitments.
You’ll also have to pay 1% when you top-up your card by converting a cryptocurrency.
When I tested it out, I also found that I was charged a 1% fee when buying a cryptocurrency – with another 1% padded into the exchange rate I was quoted.
|Issuance Fee||£5 for Physical Card|
|Supported Cryptocurrencies||37 (Including Bitcoin & Ethereum)|
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!