Tap Card logo
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Tap Card

Cashback

8%

Annual fee

Free

Available in

17 countries

Tap Card is a Mastercard prepaid card from fintech Tap Global that lets users spend balances of 40-plus cryptocurrencies converted to fiat at checkout. It comes with a personal UK IBAN, free ATM access, and tiered cashback of up to 8% paid in the XTP token, with higher rewards tied to holding XTP. Tap is regulated by the Gibraltar Financial Services Commission and serves customers across the UK and Europe.

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What it really costs to spend crypto

From loading your wallet to paying at the till.

Top-up
0%
Conversion
+2.39%
FX abroad
+1.99%
In your own currency
2.39%
≈ 24 per 1,000 spent
Abroad (other currency)
4.38%
≈ 44 per 1,000 spent

Estimated from provider rates; the conversion spread can vary.

Fee breakdown

Annual feeFree
Monthly feeFree
ATM feeFree
FX fee1.99%
Conversion fee2.39%
Top-up feeFree
Decline feeFree

Spending limits

Per transaction
Varies
Daily limit
$15k
Monthly limit
Varies
ATM daily
$1.5k

Limits shown are for the standard tier and may increase with higher tiers or verification.

Supported coins

BTCETHSOLUSDCUSDTXRP

Supported networks

BitcoinEthereumSolana

Crypto features

Card type
Prepaid
Custody
Custodial
Credit check
No
Conversion fee
2.39%
ATM per transaction
$600
IBAN
Yes
iOS app
Yes
Android app
Yes

Availability

Not available in: KP, IR, SY, CU

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Tap Card FAQ

Tap Card holds a trust score of 6/10 on NomadCard, drawn from user reviews on Reddit, Trustpilot, and the app stores. Some users report issues — skim the community forums before you apply.