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CryptoPay Card Review (2022)

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CryptoPay Card (C.Pay Card)
  • Ease of Use
  • Customer Support
  • Payment Options
  • Speed
  • Fees


I’m not that impressed with the CryptoPay Card.

My main issue is that the fees aren’t competitive. You’ll be charged £5 to order a physical card, a £1/month account maintenance fee, and 1% whenever you load money onto the CryptoPay Card.

On top of that, there are cheaper places in the UK where you can buy the cryptocurrencies supported by CryptoPay.

Until this improves, I won’t be using the CryptoPay Card.

The CryptoPay Card (or C.Pay Card) is now available to verified users who live in the UK or Europe.

This integrates with your CryptoPay account, which allows you to buy, sell, store, and transfer cryptocurrencies like Bitcoin (BTC).

But how does the CryptoPay Card compare to alternatives? Is it the best bitcoin debit card in the UK?

Find out my thoughts in this CryptoPay review.

Advantages & Disadvantages


  • Quick verification (< 15mins).
  • Responsive and helpful support.
  • Browser-based and mobile apps (iOS & Android).
  • Supports 38 cryptocurrencies.


  • 2.8-star Trustpilot rating (700+ reviews).
  • Cannot deposit or withdraw some supported cryptocurrencies.
  • CryptoPay Card has a £1/month account management fee.
  • There’s a 1% flat fee to load and unload GBP from the CryptoPay Card.
  • CryptoPay Card is currently only available in the UK and EEA countries.
  • It’s possible to buy and sell Bitcoin (BTC) and other supported cryptocurrencies cheaper in other places.

What Is CryptoPay?

CryptoPay Founders

CryptoPay is a UK registered company which was founded in October 2013 by Dmitry Gunyashov and George Basiladze.

When I first wrote this review, they had 1.45 million active users, had issued more than 149,000 C.Pay cards, and processed about 64,500 transactions every month. However, no up-to-date information is available in 2022.

They currently have a 2.8-star Trustpilot rating (700+ reviews).

Most of the recent negative reviews seem to be from people that have had trouble getting verified (e.g. CryptoPay not accepting the documents they provided). I didn’t have any problem and was verified quickly – within about 15 minutes of submitting my documents.

CryptoPay Review - Trustpilot Review Sample (Negative)

Many of the recent positive reviews praised its customer support. I’d echo that sentiment. CryptoPay instantly replied to questions I sent them via live chat. When I followed up about something via email, I also received a reply just 3 hours later.

CryptoPay Review - Trustpilot Review Sample (Positive)

Main Features

Crypto Features

CryptoPay Review - Buy Bitcoin (BTC) with GBP _1

  • Web wallets where you can store, receive, and send Bitcoin (BTC) and all other supported cryptocurrencies.
  • You can buy supported cryptocurrencies with GBP, EUR, and USD. You can also sell these cryptocurrencies to CryptoPay for GBP, EUR, or USD credit.

CryptoPay Card Features

  • CryptoPay’s GBP Card is a prepaid Visa. Like other cryptocurrency debit cards, it can be used anywhere that Visa is normally accepted, which is over 54 million outlets and ATMs worldwide.
  • Top-up your CryptoPay Card with any of your CryptoPay wallets (everything gets converted to the card’s default currency).
  • Supports ‘Verified by Visa’, which is an extra layer of protection against fraudulent use of your card.
  • Supports contactless payments.
Can I just get a virtual CryptoPay Card to use online?

Yes, there’s an option to just order a virtual card (currently free). If you change your mind and want a physical card at a later date, you can upgrade for £5 (for the GBP card) and €5 (for the EUR card).

But FYI: you cannot use the virtual CryptoPay Card in-store. It can only be used online.

Supported Countries

CryptoPay currently supports 92 countries. This includes the UK, EU member states, Australia, and Canada.

However, you can currently only order a CryptoPay Card if you live in the UK or EEA country. USD cards will be available to residents of other countries in the future.

What countries are supported by CryptoPay?

  • Andorra
  • Anguilla
  • Antigua and Barbuda
  • Argentina
  • Australia
  • Austria
  • Bahrain
  • Belarus
  • Belgium
  • Bosnia-Herzegovina
  • Brazil
  • British Virgin Islands
  • Bulgaria
  • Canada
  • Chile
  • China
  • Croatia
  • Curaçao
  • Cyprus
  • Czech Republic
  • Denmark
  • Dominican Republic
  • El Salvador
  • Estonia
  • Faroe Islands
  • Finland
  • France
  • French Guiana
  • Georgia
  • Germany
  • Gibraltar
  • Greece
  • Greenland
  • Guadeloupe
  • Guernsey
  • Hong Kong
  • Hungary
  • Iceland
  • India
  • Indonesia
  • Ireland
  • Isle of Man
  • Israel
  • Italy
  • Japan
  • Jersey
  • Kazakhstan
  • Kuwait
  • Latvia
  • Liechtenstein
  • Lithuania
  • Luxembourg
  • Macedonia
  • Malaysia
  • Malta
  • Martinique
  • Mexico
  • Moldova
  • Monaco
  • Montenegro
  • Netherlands
  • New Zealand
  • Oman
  • Paraguay
  • Peru
  • Poland
  • Portugal
  • Qatar
  • Romania
  • Russian Federation
  • San Marino
  • Serbia
  • Singapore
  • Slovakia
  • Slovenia
  • South Africa
  • South Korea
  • Spain
  • Sint Maarten
  • Sweden
  • Switzerland
  • Taiwan
  • Thailand
  • Turkey
  • Ukraine
  • United Arab Emirates
  • United Kingdom
  • Uruguay
  • Vietnam

CryptoPay accepts registrations from residents of the following countries but cannot process payments from credit or debit cards issued in these countries.

  • Philippines
  • Norway
  • Jordan

What countries can get a C.Pay Card?

  • United Kingdom
  • Austria
  • Belgium
  • Bulgaria
  • Croatia
  • Cyprus
  • Czech Republic
  • Denmark (excluding Faroe Isles and Greenland)
  • Estonia
  • Finland
  • France
  • Germany
  • Greece
  • Hungary
  • Iceland
  • Ireland
  • Italy
  • Latvia
  • Lichtenstein
  • Lithuania
  • Luxembourg
  • Malta
  • Netherlands (excluding Aruba, Curaçao, Sint Maarten, Bonaire, Sint Eustatius and Saba)
  • Norway
  • Poland
  • Portugal
  • Romania
  • Slovakia
  • Slovenia
  • Spain
  • Sweden

Supported Cryptocurrencies

CryptoPay currently supports 38 cryptocurrencies.

You can buy, sell, store, deposit, and withdraw the following cryptocurrencies:

  • Bitcoin (BTC)
  • Ethereum (ETH)
  • Litecoin (LTC)
  • Ripple (XRP)
  • Chainlink (LINK)
  • Synthetix (SNX)
  • Tether (USDT)
  • Uniswap (UNI)
  • Aave (AAVE)
  • Algorand (ALGO)
  • Dash (DASH)
  • USD Coin (USDC)
  • Dai (DAI)
  • OMG Network (OMG)
  • Basic Attention Token (BAT)
  • Polygon (MATIC)
  • Orchid (OXT)
  • 0x (ZRX)

You can also buy, sell, and store (but NOT deposit or withdraw) the following cryptocurrencies:

  • Ankr (ANKR)
  • Cardano (ADA)
  • Cosmos (ATOM)
  • Decentraland (MANA)
  • Dogecoin (DOGE)
  • EOS (EOS)
  • Ethereum Classic (ETC)
  • Filecoin (FIL)
  • Flow (FLOW)
  • Icon (ICX)
  • Kusama (KSM)
  • Monero (XMR)
  • Nano (NANO)
  • Polkadot (DOT)
  • Siacoin (SC)
  • Solana (SOL)
  • Tezos (XTZ)
  • The Graph (GRT)
  • Tron (TRX)
  • (YFI)

Supported Traditional (Fiat) Currencies

CryptoPay currently supports the following traditional (i.e. fiat) currencies:

  • GBP (Great British Pound)
  • EUR (Euro)
  • USD (United States Dollar)

Payment Methods

You can:

  • Deposit GBP into your CryptoPay account with a UK bank transfer.
  • Deposit EUR into your CryptoPay account with a SEPA transfer.
  • Instantly buy supported cryptocurrencies with a GBP, EUR, or USD credit or debit card (3D Secure only).

When you send GBP via a UK bank transfer to CryptoPay for the first time, it has to be manually approved. However, subsequent deposits are credited within minutes. This is because they’re processed via the Faster Payments System (FPS).

Strangely, I wasn’t able to make a UK bank transfer to CryptoPay from a high street bank. This is a known issue that might impact you too. Fortunately, I was able to send GBP to CryptoPay from my Revolut account.

The table below outlines CryptoPay’s Tier 3 deposit and withdrawal limits. If you need higher limits, then it might be possible if you contact their support team.

Payment MethodTimeframeDeposit AmountWithdrawal Amount
Bank TransferDaily€50000€50000
Bank TransferWeekly€100000€100000
Card PurchasesDaily€20000N/A
Card PurchasesWeekly€50000N/A


CryptoPay Card Fees

CryptoPay Card doesn’t seem that cheap.

Getting a CryptoPay account is FREE, but it costs £5.00 to get a physical card issued and delivered.

Standard delivery is FREE but takes up to 10 days. If you want it delivered sooner, you can expedite delivery for £15.00. I selected standard delivery and it only took a few days to get to me. 

There’s also a £1 per month account management fee. It’s not a significant amount, but it’s still something to consider. CryptoPay will also charge you a £5 per month account inactivity fee if you don’t use your card at least once every four months.

These are the other CryptoPay Card fees and limits that I picked out:

TypeFee or Limit
Loading / unloading fee1%
ATM Charge (in card currency)£2.50 / €2.50
ATM charge (in other currency)£3.50 / €3.50 (+3.5%)
ATM withdrawal limit£400 / €450 per day
Cashback (in-store) limitNot Available
Maximum card top-up£8000 / €8800 per day
Maximum card balance£45000 / €50000
Maximum transaction value£27000 / €30000

The card loading fee is a little tough to swallow. It applies whenever you add or remove funds from the CryptoPay Card. It’s also quite expensive to withdraw cash from an ATM using the CryptoPay Card.

More information is available here.

How can I cancel the CryptoPay Card?

Just send CryptoPay a message via live chat (on their website) or email

Buying Bitcoin With CryptoPay

You’ll pay different fees depending on if you’re buying cryptocurrencies with a UK bank transfer or debit/credit card.

CryptoPay Review - Buy Bitcoin (BTC) with GBP _2

When I deposited GBP into my CryptoPay account with a UK bank transfer, I was charged an explicit fee of 1% to buy Bitcoin (BTC). However, the exchange rate that I was offered was about 1% higher than the real GBP to BTC exchange rate. This brought the total I paid in fees to about 2%.

If you buy Bitcoin (BTC) with a credit/debit card, you’ll pay be charged an explicit fee of 4%. But again, there is an additional fee of about 1% that’s baked into the exchange rate you’re offered. That will bring the total you pay in fees to about 5%.

As I’ve outlined in this guide, there are cheaper ways to buy Bitcoin (BTC) in the UK.

One alternative is Luno. As you can tell below, this option allows you to buy cryptocurrencies like Bitcoin (BTC) without losing as much money to fees.

PlatformUK Bank Transfer FeesCredit/Debit Card Fees
How can I check the competitiveness of CryptoPay’s exchange rate?

CryptoPay clearly shows you the exchange rate that they’re offering you when you buy Bitcoin (BTC) or other cryptocurrencies on its website. However, they don’t make it clear how close this exchange rate is to the wholesale price (available on exchanges).

You can quickly find out how the current GBP to BTC exchange rate with Preev.

Plug these two numbers into a calculator like this. This will quickly tell you what the percentage difference between these two numbers is.

Ease of Use

CryptoPay Review - Desktop Interface

CryptoPay has a simple browser interface that is easy to use.

If you don’t know how to do something, they also have a knowledgebase with lots of useful guides. Coupled with its rapid support, it seems like it would be a good choice for beginners.

CryptoPay’s mobile apps (iOS & Android) are just as simple, easy, and quick to use as its browser counterpart. This is particularly useful for managing your CryptoPay card when you’re on-the-go.

Alternatives: CryptoPay Card vs Visa card

The Ruby Steel MCO Visa Card

If you’re in the UK or Europe, the Visa Card is one of the best crypto debit cards that’s currently available.

Like the CryptoPay Card, you can use it anywhere that Visa is accepted around the world (incl. the UK, EU, and internationally). However, the big difference is that it charges much lower fees than the CryptoPay Card.

Here’s a quick comparison of CryptoPay Card vs Visa Card.

CryptoPay Visa Card
Card Issuance Fee£5Free
Account Management Fee£1.00/monthFree
Cryptocurrency Exchange FeeApprox. 2%Variable
Loading & Unloading Fee1%Free
ATM Withdrawal Fee (Domestic)£2.50Free for first £180 every month (2% fee after).
Cashback0%Up to 8%

Without a doubt, I think Visa Card is a much better choice if you’re from the UK or EU.

Check out my full review to learn everything you need to know about it.

Last Words

Let’s get straight to the point: I’m not impressed with the CryptoPay Card.

Here are the main reasons why:

  • You’ll be charged a 1% fee whenever you load GBP from your CryptoPay Card. You’ll pay the same fee when you remove funds from your card too.
  • You’ll pay at least 2% in fees when you buy or sell cryptocurrencies with CryptoPay. You’ll pay an additional 3% in fees if you buy with a debit card.
  • CryptoPay charge a higher ATM withdrawal fee than alternative crypto debit cards.

Over time, paying these unnecessary fees will add up. And it’s not necessary.

As highlighted in the previous section, the Visa Card is one alternative crypto debit card that charges lower fees. Heck, they actually offer up to 8% in cashback on all purchases you make with it too! isn’t perfect, but I think it’s a much better alternative to the CryptoPay Card.

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Any Questions?

Thanks for reading this CryptoPay review!

Have any questions about the CryptoPay Card?

Comment below and I’ll respond ASAP.

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