Credits is a financial wallet which combines many services in one place: debit cards, dedicated, current accounts, payments and cryptocurrency services. All these products are integrated into a single Credits Wallet, saving users both time and money.

HOW TO OPEN AN IBAN ACCOUNT OR DEBIT CARD?

First, download the Credits’ App for Apple, Android, or use the Web App. Then, verify your identity to open an IBAN account and Debit card with Credits. The entire process is online.

Money in individual IBAN accounts is protected by European legislation and is kept segregated from company assets. Only customers have access to their money.

HOW MUCH DOES IT COST TO SEND MONEY?

Incoming transactions are free. External transfers in Euros via SEPA cost 0.50 euros per payment. See all the fees https://credits.com/en/fees/

CREDITS DEBIT CARD

Status: Active

Issued by CREDITS DEBIT

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STANDARD

Card Overview

Custody Type

CUSTODIAL

Card Type

VIRTUAL CARD

Material

Virtual

KYC

Standard

Learn about the CREDITS DEBIT Crypto Card, including cashback, fees, limits, key features, supported countries, card tiers, and KYC requirements.

Pros

Free card and IBAN

VISA or Mastercard, both networks available

No annual fees

Apple Pay and Google Pay supported

40+ crypto supported

20+ fiat currency accounts

EUR IBAN with SEPA and SWIFT

Crypto interest

No lock-up on interest accounts

PCI DSS certified, regulated in EU

100+ countries available

Internal on/off-ramp

Cons

Virtual card only

Steep SEPA withdrawal fees (0.4% min €5 on Standard)

Very high SWIFT withdrawal fees (0.5% + €60)

Card top-up via VISA/MC costs 3%

Withdrawal to external card costs 4% + €4

Cashback still "coming soon"

Custodial wallet

Free tier requires meeting monthly activity thresholds

ATM limits not disclosed

Source Data

Complete tier tables exactly as published in the source catalog — no values rounded, converted, or omitted. Selecting a tier re-maps this page to that tier.

STANDARD PREMIUM

STANDARD

W BONUS NONE

REG FEE / REQ €5

CASHBACK 0%

NEED KYC YES

FX FEE UP TO 2%+€0.60

APR / YIELD YES

CARD TYPE VIRTUAL CARD

CARD NETWORK visaVisamastercardMastercard

BLOCKCHAIN ethereumETHEREUMbitcoinBITCOINtronTRON

REGION EUGLOBAL

WALLET TYPE CUSTODIAL

MOBILE PAY YES

BANK TRANSFER YES

ATM LIMIT $0

DAILY LIMIT NOT DISCLOSED

Compare all tiers

Detail	STANDARD	PREMIUM
W BONUS	NONE	NONE
REG FEE / REQ	€5	€9.99/MO
CASHBACK	0%	0%
NEED KYC	YES	YES
FX FEE	UP TO 2%+€0.60	UP TO 2%+€0.60
APR / YIELD	YES	YES
CARD TYPE	VIRTUAL CARD	VIRTUAL CARD
CARD NETWORK	visa, Visa, mastercard, Mastercard	visa, Visa, mastercard, Mastercard
BLOCKCHAIN	ethereum, ETHEREUM, bitcoin, BITCOIN, tron, TRON	ethereum, ETHEREUM, bitcoin, BITCOIN, tron, TRON
REGION	EU, GLOBAL	EU, GLOBAL
WALLET TYPE	CUSTODIAL	CUSTODIAL
MOBILE PAY	YES	YES
BANK TRANSFER	YES	YES
ATM LIMIT	$0	$0
DAILY LIMIT	NOT DISCLOSED	NOT DISCLOSED

Source: credits-debit-card Updated 2026-08-11T10:23:36+00:00 · reviewed data

Rewards & Staking

Max Cashback

No cashback rewards

On eligible purchases

Reward Token

N/A

Payout details not disclosed

APR / Yield

YES

See provider for terms

Reward specifics

Boost Multiplier N/A

Monthly Cap N/A

Payout Frequency N/A

Welcome Bonus NONE

Referral Bonus N/A

Bonus APR N/A

Bonus Token N/A

Staking & Requirements

Required Token N/A

Min Stake Amount N/A

Fiat Value Req N/A

Lock-up Period N/A

Downgrade Penalty N/A

ROI Calculator

What this card actually nets you: cashback earned minus the fees and FX you pay. Defaults to $1,000/month, so drag to match your spend.

Inputs

CREDITS DEBIT CARD

Rates autofilled from this card

Monthly spend $1,000

Spent abroad (FX) 15%

Rates

Cashback 0% FX 0%

Net value / year

$0 / month · +0.00% effective

Effective rate

+0.00%

Break-even spend

Any spend

Cashback

FX cost

Load fee

Fees

Full details

Estimate, not gospel. Cashback caps, tiered FX, and staking lock-ups vary by tier and region. Rates are pulled from this card's listed data, so adjust them above to match your situation.

Supported Assets

Chains

ethereum

bitcoin

tron

Card Options

Virtual Card: Instant digital issuance

Virtual Card

Issuance N/A

Replacement N/A

Lifestyle & Perks

Not Offered

Airport Lounge

Not Offered

Crypto Events Shuttle

Not Offered

Airport Transfers

Not Offered

Priority Boarding

Not Offered

Esim

Not Offered

Concierge Services

Not Offered

Golf Access

Not Offered

Fitness Membership

Not Offered

Exclusive Club

Not Offered

Exclusive Merch

Not Offered

Nft Drops

Not Offered

Crypto Token Deals

Fees & Limits

Fee Schedule

REG FEE / REQ €5

FX Fee UP TO 2%+€0.60

ATM Withdrawal N/A

ATM (Domestic) N/A

ATM (Intl) N/A

Fee After Limit N/A

Inactivity Fee N/A

Top Up Fee N/A

Liquidation Fee N/A

Custody Fee N/A

Usage Limits & requirements

Daily Spend Limit NOT DISCLOSED

Monthly Spend Limit N/A

ATM Withdrawal Limit $0

Free ATM Limit N/A

Max Balance N/A

Min Balance N/A

Top Up Limits N/A

Technical Features

Integrations

Security

2FA Support

Biometric Auth

Card Freeze

Transaction Notifications

Dynamic CVV

Merchant Blocking

App & Usability

Spending Analytics

PIN Change in App

Spending Limits Control

Subscription Management

Budgeting Tools

Smartwatch Support

Recuring Payment Control

Dispute Filing

Receipt Capture

Split Bill

ATM Locator

Advanced & Global

Multi-currency Wallet

Crypto Auto-convert

Round-up Savings

QR Payments

Offline Mode

Carbon Tracking

Instant Card Details

Crypto Capabilities

Yield on Collateral

On-Chain History

Governance Rights

Credit Scoring

Banking & On-Ramp

Banking Features

Virtual Bank Account N/A

Account Type N/A

Direct Deposit N/A

Bill Pay N/A

Instant Issuance N/A

Self Custody No

Dual Mode (Switch) N/A

Funding & Withdrawals

On Ramp

Not Available

Off Ramp

Not Available

Operations & Support

Support Channels

Support Tier N/A

Support Type N/A

Hours N/A

Dedicated Manager No

Response SLA N/A

Geographic Availability

KYC Requirements

Standard

Email ID

Required

Phone Number

Required

Government ID

Required

Home Address

Required

Bank Statements

Not Required

Geographic Availability

Available

Not available

36 countries

View country list (36 countries)

AustriaBelgiumBulgariaCroatiaCyprusCzech RepublicDenmarkEgyptEstoniaFinlandFranceGermanyGreeceHungaryIcelandIrelandItalyLatviaLiechtensteinLithuaniaLuxembourgMaltaNetherlandsNorwayPolandPortugalRomaniaRussiaSlovakiaSloveniaSouth KoreaSpainSwedenSwitzerlandTurkeyUkraine

Markets where this card can be used. Hover red regions for the restriction reason.

Excluded Regions

Regions where this card is not available

United Kingdom

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Quick Answers

Frequently asked questions about CREDITS DEBIT CARD

Direct answers to the questions people ask most before they compare or apply for this card.

Verification Pending This card's details are not verified and may be out of date. We are working with the provider to update them as soon as possible.

CREDITS DEBIT

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Funding Methods

Bank Transfer

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