Review (2021)
  • Ease of Use
  • Beginner Friendly
  • Payment Options
  • Speed
  • Fees

Summary’s MCO Visa Card is one of the best crypto debit cards around. It gives you up to 8% cashback, loads of other benefits, and is available in the UK, EU, US, and Singapore.

But is also one of the best places in the UK, EU, and US to buy Bitcoin (BTC) and an ever-growing number of other cryptocurrencies too. If you deposit funds with a bank transfer, you can buy at the real exchange rate without paying any fees.

Download the app and register now to check it out for yourself. is a cryptocurrency platform that offers a lot. It allows you to store, transfer, and exchange between 68 cryptocurrencies (e.g. Bitcoin) and your local currency (e.g. GBP, EUR, & USD).

With’s MCO Visa Card, you can also spend your cryptocurrency anywhere that Visa is normally accepted around the world (and get up to 5% cashback).

Is this the best bitcoin debit card in the UK, the EU, and the US? Check out this review to find out more.

Advantages & Disadvantages


  • Quick verification (< 5mins).
  • 24/7 customer support.
  • Available in the UK, Europe, the United States, and Singapore.
  • Buy and sell 89 cryptocurrencies, including Bitcoin (BTC), at the real exchange rate with no fees whatsoever. This makes it one of the best places to buy Bitcoin (BTC) in the UK.
  • FREE to open a account
  • MCO Visa Card has no monthly maintenance fee.
  • Up to 5% cashback whenever you use your MCO Visa Card. You can also get other benefits (like 100% cashback on Spotify, Netflix, and Amazon Prime).
  • Contactless Visa Debit cards (issued and delivered for FREE).
  • Get up to 10% cashback when you purchase gift cards for popular brands with your cryptocurrency balance (30+ countries supported).


  • 3.4-star Trustpilot rating (250+ reviews).
  • Don’t seem to have offices in the EU or US.
  • You need to stake a lot of CRO to unlock the highest cashback amounts.
  • Users report that the MCO Visa Card isn’t being issued for months after ordering.
  • Crypto Earn offers lower interest rates if you don’t lock-up your cryptocurrency deposit for 3 months.

What Is was founded in June 2016 by Kris Marszalek (CEO), Rafael Melo (CFO), Gary Or (CTO), and Bobby Bao (Head of Corporate Development). In June 2017, they raised $26.7 million from their Monaco (MCO) initial coin offering. They’re headquartered in Hong Kong and currently have a team of about 350 people. was previously known as Monaco (MCO) – but rebranded in July 2018 after the (expensive) acquisition of the domain.

They recently announced that they have 3 million users around the world, after hitting 2 million just a couple of months before. Products is best known for its MCO Visa Card, but they have a range of product offerings:

  • MCO Visa Card: Convert your cryptocurrency and spend it anywhere that Visa is accepted.
  • App: Buy and sell an ever-growing number of cryptocurrencies at the real exchange rate with no fees whatsoever. You can use the app to receive, store, and send cryptocurrency too.
  • Crypto Pay: Buy gift cards for many popular brands and top-up your phone with cryptocurrencies. In the future, this will also allow merchants to accept Bitcoin (BTC) and other popular cryptocurrencies.
  • Crypto Earn: Earn up to 12% interest on your cryptocurrency deposits.
  • Crypto Credit: Deposit cryptocurrency and get credit to spend on your MCO Visa Card.
  • Exchange: Trade popular cryptocurrencies on your desktop with low trading fees (up to 0.16%).

The Roadmap is looking to:

  • Launch Pay merchant features.
  • Allow residents in more Asia-Pacific countries to get the MCO Visa Card.
  • Ship the MCO Visa Card in Canada.
  • Release the Chain Mainnet.

Follow them on your preferred social media channel to keep up to date!

MCO Visa Card

The MCO Visa Card allows you to spend your cryptocurrency in-store and online. It’s accepted anywhere that Visa is normally accepted – which is more than 54 million outlets and ATMs around the world. have a range of different MCO Visa Cards. To unlock the highest cashback and get access to other benefits, you’ll need to stake CRO in the app. The more MCO that you lock-up, the better tier of card you’ll be able to order.

The MCO Visa Cards that offer the highest cashback is unrealistic for most people. At the time of writing, you’d have to lock-up about £122,000 worth of Coin (CRO) in the app to get the Obsidian Black version.

However, the versions that require a lower CRO stake still provide you with competitive cashback on all your spending. If you’re happy to stake 1000 CRO (about £122), then you’ll be able to get the Ruby Steel version – which provides 2% cashback and a 100% rebate on Spotify.

And if you don’t want to stake anything? You can order the Midnight Blue version and get 1% cashback on all your spending (which is still good).

I got the Ruby MCO Visa Card, which I think is the most balanced and affordable version.

After 6 months, you can withdraw the MCO that you staked. It’s not lost forever. But if you do stop staking it, you’ll get a lower cashback rate and lose access to some of your card benefits.

Download and signup to using this link (or code: “cn9mkf4dzu”) and you’ll get a FREE $25 worth of CRO. This bonus is initially locked. To unlock it, you’ll need to stake 2500 CRO in the ‘Card’ section of the app.

Who Can Get the MCO Visa Card?

The MCO Visa Card is currently being shipped in:

  • United Kingdom
  • Europe
  • United States
  • Singapore

To be notified when they’re shipping in your country, download the app and get registered. Then just go to the ‘Card’ section and register your interest.

Who is the card issuer for the MCO Visa Card in the UK/EU?

Payrnet Limited is the card issuer of the MCO Visa Card in the UK and EU. switched over to them from Wirecard Card Solutions Limited on the 18th November 2020.

From the 1st January 2021, MCO Visa Cards for United Kingdom residents will be overseen by ForisGFS UK Limited.


Excluding the staking requirements, it’s FREE to get your MCO Visa Card issued and delivered. It’s also FREE to load money onto your MCO Visa Card.

There are no domestic transaction fees. You’ll also get the interbank exchange rate if buy something using your MCO Visa Card in another currency. There’s a monthly limit on this, but it’s only a 0.5% if you go over it (which is competitive).

There’s no monthly management fee, but you will be charged £5.00, €5.00, or $4.95 if you don’t use your card at least once over a 12-month period.


These are the main Card limits that I picked out:

LimitGBP CardEUR CardUSD Card
Maximum Card Balance£22,000€25,000$25,000
Topup Limit (Daily)£22,000€25,000$10,000
Topup Limit (Weekly)£22,000€25,000$25,000
Topup Limit (Yearly)£220,000€250,000-
ATM Withdrawal Limit (Daily)£1,800€2,000$500 *
ATM Withdrawal Limit (Weekly)£9,000€10,000$5000 *
ATM Withdrawal Limit (Yearly)£66,000€75,000-
ATM Withdrawal Frequency (Daily)333
ATM Withdrawal Frequency (Monthly)303030
ATM Withdrawal Frequency (Yearly)360360-

Note: Entries marked with an asterisk shows limits for the Midnight Blue Card but have higher limits for other card types.

The FREE ATM withdrawal limit (monthly) is tied to what type of card you have. There’s a fee of 2% after your free limit. These are the limits for each card type:

Card TypeGBP CardEUR CardUSD Card
Midnight Blue£180€200$200
Ruby Steel£360€400$400
Royal Indigo£720€800$800
Jade Green£720€800$800
Icy White£720€800$1,000
Rose Gold£720€800$1,000
Obsidian Black£900€1,000$1,000 App

With the app, you can buy, sell, store, and transfer 68 cryptocurrencies on This includes Bitcoin (BTC), Ethereum (ETH), Litecoin (LTC), Ripple (XRP) and many other popular cryptocurrencies.

You can buy these cryptocurrencies with a local currency like GBP, EUR, or USD. However, you can also exchange between all these cryptocurrencies too. In either case, have been made it simple, easy, and quick to do. allows you to buy Bitcoin (BTC) and other cryptocurrencies at the real exchange rate without paying any fees. This makes one of the cheapest places to buy Bitcoin (BTC) in the UK, but also a great choice if you’re a resident in the EU or US.

To avoid all fees, you need to deposit your local currency into with a bank transfer. You will normally pay extra fees if you use a debit or credit card.

It just takes a few taps to buy Bitcoin (BTC) with GBP.

You can also use the app to track the performance of hundreds of cryptocurrencies. This allows you to look at previous price movements (in BTC or fiat currency) and also setup alerts.

How does it work?

Behind the scenes, executes orders by using their ‘Vortex Trading Engine’ to pool liquidity from major cryptocurrency exchanges. It then routes these orders to ensure that you’re offered the best possible price when you buy or sell a cryptocurrency on

Supported Cryptocurrencies supports an ever-growing number of cryptocurrencies (currently 89).

Toggle the section below for the full list of supported cryptocurrencies.

Full list of supported cryptocurrencies

These are all of the cryptocurrencies that you are currently able to buy, sell, store, and transfer using the app:

  • 0x (ZRX)
  • Aave (AAVE)
  • Algorand (ALGO)
  • Ardor (ARDR)
  • Ark (ARK)
  • Basic Attention Token (BAT)
  • Band Protocol (BAND)
  • Binance Coin (BNB)
  • Bitcoin (BTC)
  • Bitcoin Cash (BCH)
  • Cardano (ADA)
  • Celer Network (CELR)
  • Compound (COMP)
  • ChainLink (LINK)
  • Chromia (CHR)
  • Chiliz (CHZ)
  • Contentos (COS)
  • Cosmos (ATOM)
  • Coin (CRO)
  • Dai (DAI)
  • Dash (DASH)
  • Decentraland (MANA)
  • ELF (ELF)
  • EOS (EOS)
  • Elrond (ERD)
  • Enjin Coin (ENJ)
  • Ethereum (ETH)
  • Ethereum Classic (ETC)
  • Fetch.AI (FET)
  • Gas (GAS)
  • Golem (GNT)
  • Harmony (ONE)
  • Holo (HOT)
  • Icon (ICX)
  • Komodo (KMD)
  • KyberNetwork (KNC)
  • Lisk (LSK)
  • Litecoin (LTC)
  • MCO (MCO)
  • Maker (MKR)
  • Matic Network (MATIC)
  • NEO (NEO)
  • Nano (NANO)
  • OmiseGO (OMG)
  • Ontology (ONT)
  • Ontology Gas (ONG)
  • Origin Protocol (OGN)
  • PAX Gold (PAXG)
  • Paxos Standard (PAX)
  • Polkadot (DOT)
  • Qtum (QTUM)
  • Ravencoin (RVN)
  • Ripple (XRP)
  • Stellar (XLM)
  • Stratis (STRAT)
  • Tether (USDT)
  • Tezos (XTZ)
  • TomoChain (TOMO)
  • TrueAUD (TAUD)
  • TrueCAD (TCAD)
  • TrueGBP (TGBP)
  • TrueUSD (TUSD)
  • Uniswap (UNI)
  • USD Coin (USDC)
  • VeChain (VET)
  • Waltonchain (WTC)
  • Waves (WAVES)
  • Wrapped Bitcoin (WBTC)
  • Zilliqa (ZIL)
  • (YFI)
  • Kusama (KSM)
  • Ren (REN)
  • Loopring (LRC)
  • Ocean Protocol (OCEAN)
  • Blockstack (STX)
  • Elrond eGold (EGLD)
  • Curv DAO Token (CRV)
  • Solana (SOL)
  • Nervos Network (CKB)
  • Bancor (BNT)
  • iExec (RLC)
  • Storj (STORJ)
  • Ankr (ANKR)
  • IRISnet (IRIS)
  • Dia (DIA)
  • Sandbox (SAND)
  • Bluzelle (BLZ)

Supported Traditional (Fiat) Currencies

When I setup my account, I was able to choose between these payment currencies:

  • United States Dollar (USD)
  • British Pound (GBP)
  • Euro (EUR)
  • Singapore Dollar (SGD)
  • Canadian Dollar (CAD)
  • Australian Dollar (AUD)
  • New Zealand Dollar (NZD)
  • Hong Kong Dollar (HKD)
  • New Taiwan Dollar (TWD)
  • Norwegian Krone (NOK)
  • Swedish Krona (SEK)
  • Danish Krone (DKK)
  • Swiss Franc (CHF)
  • Polish Zloty (PLN)
  • South African Rand (ZAR)
  • Kenyan Shilling (KES)
  • Russian Ruble (RUB)
  • Bulgarian Lev (BGN)
  • Romanian Leu (RON)
  • Israeli New Shekel (ILS)
  • Saudi Riyal (SAR)
  • United Arab Emirates Dirham (AED)
  • Hungarian Forint (HUF)
  • Czech Koruna (CZK)

However, I found that I was only able to deposit GBP and EUR into my account after I had verified my identity.

Payment Methods

In the UK, supports the following payment methods:

  • Debit card
  • Credit card
  • UK bank transfer

US residents can deposit USD with a bank transfer via ACH network and EU residents can deposit EUR with a SEPA bank transfer.

FYI: Cryptocurrency purchases made with a credit card will probably be considered a cash advance. This means you’ll likely pay additional fees and a higher interest rate.

UK bank transfers are executed via the Faster Payments Service (FPS), which means they’ll be processed quickly (typically within a few hours).

You can also withdraw GBP from with a UK bank transfer. When I tested this out, it wasn’t quick – it took a few days to be processed and land in my bank account.

Debit or credit card purchases are instant, but you can’t use them to buy as much cryptocurrency as a UK bank transfer. If you don’t have any CRO staked, then you can only use a debit or credit card to buy about £6000 of cryptocurrency per week.

Crypto Pay

When you get the app, you can also access ‘Crypto Pay’. This enables you to buy gift cards with selected cryptocurrencies for lots of popular brands in more than 30 countries. This includes the UK, EU, and the US.

You’ll get up to 10% cashback (paid in CRO) when you buy these gift cards with CRO. In the UK, this includes popular supermarkets like Tesco, Asda, and Sainsbury’s. This is an awesome little benefit that slowly adds up.

You can also top-up a PAYG mobile phone with cryptocurrency – and get cashback on that too!

Crypto Earn

Crypto Earn lets you put your money to work.

With this, you can earn up to 12% interest per year depending on what cryptocurrency you’re investing, how long you’re locking it up for, and how many CRO tokens you have staked.

In reality, I found that I was quoted lower interest rates inside the app because I didn’t have enough CRO staked. This meant I was only offered 4.5% interest for depositing Bitcoin (BTC) and locking it up for 3 months.

Comparison of the Crypto Earn interest, with and without staking.

In comparison, BlockFi is offering 6% interest on Bitcoin (BTC) balances – with flexible access to your coins as required. Here are the interest rates that BlockFi is currently offering:

BTC0 - 56%
BTC> 53.2%
ETH> 04.5%
LTC> 05.0%
USDC> 08.6%
GUSD> 08.6%
PAX> 08.6%

Crypto Credit

With Crypto Credit, you can get instant loans by using your cryptocurrency holdings as collateral.

The loan-to-value (LTV) ratio is 50%, which means that you’ll get £500 credit if you deposit £1000 worth of these cryptocurrencies:

  • Bitcoin (BTC)
  • Litecoin (LTC)
  • Ethereum (ETH)
  • Ripple (XRP)
  • EOS (EOS)
  • Stellar (XLM)
  • Coin (CRO)

You’ll be charged 12% APR if you’re staking less than 1000 CRO on This drops to 8% APR if you have a stake of 10000 CRO or more.

For comparison, BlockFi offers cryptocurrency-backed loans with about the same APR at 50% LTV. However, you can get lower APR rates with BlockFi if you select a lower LTV rate (which isn’t possible with Crypto Credit).

Why would you use Crypto Credit?

Using something like Crypto Credit allows you to get instant access to cash, without needing to sell your cryptocurrency. This means that you won’t miss out on any positive price movements.

But compared to the loans you can get from a traditional bank, 12% APR seems quite high. Why might someone take this deal?

They might simply just need the cash for something.

Alternatively, they might be bullish on the cryptocurrency they’re using as collateral. For example, if someone believed that Bitcoin (BTC) was going to rise in price more than 12% over the course of the year, then they’d come out ahead if they used this loan as leverage to buy more Bitcoin (BTC). Exchange

The beta version of the Exchange was launched in November 2019. If you’re already a app user, then you can sign up in just a few clicks.

This allows you to trade popular cryptocurrencies like Bitcoin (BTC), Ethereum (ETH), and Litecoin (LTC).

You won’t be charged high fees either. Even if you don’t stake anything and do a small amount of trading, you’ll only pay 0.10% in trading fees if you’re a market maker or 0.16% if you’re a market taker.

You can find more information about Exchange’s trading fees here.

There are currently some great incentives for signing up:

  • 2% deposit bonus on all cryptocurrency deposits for 30 days.
  • 0% trading fees for 90 days.
  • 20% APR if you stake at least 10,000 CRO for 6 months.

The Syndicate

If you lock-up 5000 CRO on the Exchange, you’ll also get access to ‘The Syndicate’. This allows you to buy cryptocurrencies which are about to be added to the exchange at a discount.

In some cases, you’ll be able to buy cryptocurrencies at a 50% discount. That’s insane.

Understandably, this seems quite popular. Because of this, you’ll now also need to have a trading volume of at least $5000 over the last 30 days on the Exchange to participate.

Soft Staking

With Exchange, you’ll also get a small amount of interest (up to 5%) on cryptocurrency balances in your exchange wallet.

There’s no lock-up period required to get this. Just enable the option in your settings and you’ll get rewarded interest on a daily basis. As long as you meet the minimum amounts, you’ll then get this bonus.

Find out more here.


There’s not an alternative that’s offering everything that is under one roof.

However, one alternative that’s worth mentioning is Wirex.

Here’s why:

  • It fully supports 37 countries, which includes the UK, Europe, and Singapore.
  • Receive, store, and send cryptocurrencies popular cryptocurrencies like Bitcoin (BTC), Ethereum (ETH), and Litecoin (LTC).
  • Buy and sell supported cryptocurrencies quickly and easily at decent rates (2.5%).
  • Your crypto-friendly currency account is connected to the Wirex Card, which rewards you with up to 1.5% cashback and can be used anywhere that Visa is accepted.

Check out my Wirex review to learn more.

And if you’re looking to earn interest on cryptocurrency deposits, then BlockFi is worth checking out.

In short, you can earn up to 8.6% interest on your deposits. You can see their current interest rates for different cryptocurrencies here, or check out my BlockFi review to learn more.

Summary: Impressive Crypto Platform just keeps getting more awesome.

It’s building a platform which provides you with access to more than just another crypto debit card. It’s becoming a one-stop-shop for all things cryptocurrency.

Here’s what I particularly liked about it:

  • You can buy Bitcoin (BTC) and other cryptocurrencies at the real exchange rate with 0% fees if you deposit funds using a bank transfer.
  • The MCO Visa Card provides competitive cashback. If you stake about £120 in CRO, you can get 2% cashback on all spending and 100% cashback on Spotify.
  • Get up to 10% cashback on gift cards for popular brands. This includes supermarkets, coffee shops, and fast food delivery in the UK.

Want to give it a shot?

Signup (and get verified) in less than 10 minutes.

Any Questions?

Thanks for reading this review!

Have a question about or the MCO Visa Card that I haven’t covered?

Just comment below and let me know!

26 thoughts on “ Review (2021)”

  1. Hi Dean,

    Thanks so much for the insightful reviews you have on your site. Having a real exchange value inclined me towards after medling for a while with Revolut. However, I don’t quite grasp the concept of staking CRO to unlock the different cards or gain access to other user benefits.

    What does this really mean ? I just need to buy the specific unlocking amount of CRO and leave it in the wallet untouched while I transact other cryptos ?

    Thanks in advance for your reply and wish you a successul year.

    • Thanks for commenting, Carlos!

      If all you’re after is buying/selling/storing different cryptocurrencies, then you don’t need to get a MCO Visa Card. You can download the app, register, and just use it for that if you want.

      This crypto debit card is great because it offers cashback, but staking Coin (CRO) is a little confusing. It essentially means:

      • You decide what MCO Visa Card you want access to. Let’s say you want the Ruby Red (the one I have).
      • On this page, it tells you how much you need to stake. It currently requires 2500 CRO, which currently equates to about £150.
      • To get this card, you’ll need to buy this much CRO and ‘stake’ it in the App. This is super simple. You just go to the CRO wallet after you’ve bought it and there’s an option to stake it there. If you check out this help article, it outlines that you need to lock-up this CRO for 180 days. This is quite a long time and the value of CRO could fluctuate upwards or downwards.
      • Once staked, you can order the Ruby Red MCO Visa Card. Once you get it, you’ll get the enhanced cashback while your CRO is locked up.
      • After 180 days, you can withdraw the CRO you’ve staked. If you do this, you’ll get a lower cashback rate. On the Ruby Red, this means you’d get 1% cashback instead of 2%. If you leave it there, you’ll continue to get the same benefits.

      I don’t like how this works, as the CRO you stake could be worth significantly less if you decide to withdraw it after the initial 180 days.

      However, lots of crypto debit cards work the same way. For example, Wirex requires a stupid amount of WRX to be held in your wallet before you get the highest possible cashback (1.5%). In contrast, you can get 1% cashback without staking anything with (by itself, this is pretty great when compared to normal cashback credit cards).

      Hope this clears up how it works. But FYI, GBP wallets are temporarily unavailable in the app. We don’t know when they’ll be back yet, but this means it’s more difficult (and expensive) to get fiat into it.

  2. Dude – your diligence and detailed response here in the comments are to be commended. Great example of nurturing your readers. Keep up the great work Dean and thanks for the great review.

      • Hi… I have a account and card and struggling big time.
        Just learnt how to cash in if I need to and found we now have no GBP wallet.
        What now if I need to sell? I believe I can only withdraw £22000. Onto my crypto card. Can I sell and store in my gbp wallet until it reopens?
        Also, if and when it gets up and running again, is there limits on Bank transfers? I would ask customer service but sick of waiting 3 days for a reply that says follow the Setting and head to help centre. Frustrating…

        • Hi Caroline,

 have temporarily suspended GBP deposits, withdrawals, and wallets. We don’t know when they’re coming back, but it says something about the “coming weeks” in this help article.

          In the meantime, you could sell cryptocurrency for EUR instead. However, I would caution that withdrawing via SEPA to a GBP bank account would incur currency conversion charges by the bank (which varies from bank to bank). Alternatively, you could sell your cryptocurrency for a stablecoin (e.g. TrueGBP).

          FYI, I cannot find a way to unload funds from the MCO Visa Card that I’ve already added.

          You can see the limits on your account by going to the cog in the top-left of the app and scrolling down to “Fees & Limits”. In there, I am shown a maximum fiat withdrawal of $100,000 per day (or $500,000 per month). However, we’ll have to wait and see if this changes when GBP support is added back.

          Hope this helps!

          • Thanks for the comment, Sharon!

            Sorry to hear you’re having problems. Unfortunately, poor customer service is a problem across some of the more popular cryptocurrency services/exchanges (in my experience at least). It only gets worse during times like this when more people are signing up and getting involved.

  3. Does makes a credit search when we create an account with them?

    Also, is there any fee for depositing-withdrawing money for bank transfers?

    • Hi Mark,

      I wouldn’t think that they would do a credit search (as they’re not loaning you anything), but I’m not 100% sure on that. If you’re worried, I would head over to their website and open a ticket just to clarify beforehand.

      There’s no fee for GBP or EUR deposits/withdrawals. However, there is currently a minimum withdrawal of about $100 (equivalent in GBP or EUR).

      FYI: GBP wallets have been temporarily disabled on If you want to open an account and use them, then you’ll have to send EUR instead.

    • Hi Sarah,

      It doesn’t look like currently has a desktop application for Windows or macOS.

      You can access the Exchange via your browser (on any device), but you’ll need to download the app on your phone to access everything else.

      Hope that clears it up – thanks for commenting!

  4. Has anyone had any experience depositing EUR to their fiat wallet via SEPA transfer from a Revolut account ? I’ve seen some comments online that card payments from Revolut might fail because the merchant isn’t recognized but I was wondering if SEPA transfer would work.

    • Thanks for commenting, Ariel!

      Before introduced GBP support, I was depositing EUR via SEPA transfer from Revolut with no issues. I just did a quick search of their support area and it looks like they’re still accepting EUR deposits from Revolut (see here). I found some conflicting stuff on Reddit, but the most recent stuff indicates that SEPA transfers are still working (see here).

      Hope this helps and thanks for sharing!

      • Hi, Is this with a Revolut business account only? (apologises if this is a simple question but i’m on a rapid catch up and a websearch hasn’t quite helped).

        Thank you.

        • Thanks for commenting, Shaun!

          When I was using Revolut to transfer EUR to, I was just using a standard (free) account. At the time, this meant I could exchange a limited amount of GBP for EUR and send it over to them for free with a SEPA.

          If you’re based in the UK, I’ve found that it’s quicker and cheaper to avoid Revolut and deposit GBP directly.

    • Hi Ben,

      No, it seems that you’re only able to top-up the card with cryptocurrency or a credit/debit card. If you use a credit card, I imagine that you’ll pay cash advance fees to the card issuer.

  5. I have applied for a MCO card which has been issued for 3 months but I haven’t received the card yet. I have made lots of complaints but apparently nobody cares it! I feel like I’m being cheat!

    • Sorry to hear this, Steph!

      Mine took a while to come too. The best thing you can probably do is pester their support team again for specific details about your case (e.g. has it been shipped, can you cancel it because of the delay, etc). If they’re not forthcoming, check out this document (clause 20). This gives you a different email that you can reach out to and highlights that you can escalate this to the Financial Ombudsman Service if they don’t resolve an official complaint you’ve submitted to your satisfaction.

      Hope this helps!

    • Thanks for commenting, Dirk!

      Thanks for letting me know about them – I’ll put it on my to-do list to check out, as it’s piqued my curiosity!

      If you’re not interested in staking any SXP (Swipe’s token), then it looks comparable on the surface to what’s being offered by To unlock higher cashback amounts though, it looks like you’ll need to stake more money than you would on to unlock the same cashback. But on the flip side, Swipe looks like it offers cashback on Netflix and Amazon Prime without needing to stake as much!


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