HOW CAN I OPEN A TAP ACCOUNT?

Getting started with a Tap account is quick and seamless. Simply follow these steps: Download the Tap app on your mobile device from the Apple App Store or Google Play Store. Once installed, open the app and you'll be prompted to provide your email address and phone number. You'll then need to submit a valid government-issued ID document (passport, driver's license, etc.) as well as proof of residence (utility bill, bank statement, etc.) for verification purposes. The final step is to take a live selfie within the app to complete your profile setup. That's it! As long as you are a resident of the United Kingdom, European Union, or European Economic Area, you can open a fully verified Tap account in just a few minutes. Our user-friendly app walks you through each step, but if you need any assistance, our support team is available to guide you. We've streamlined the process to make it as hassle-free as possible. Once your account is open, you'll have full access to all of Tap's features like buying, selling, and storing cryptocurrency, as well as managing your portfolio conveniently from your mobile device.

HOW DO I LINK A BANKING ACCOUNT?

Linking a bank account is easy and can be done right within the Tap app. Just follow these steps: From the Home screen, tap on the "Withdraw" button Tap on "Bank Transfer" Choose "Bank Transfer" Tap the "+" blue button from the upper right corner Select the option that applies for this operation Enter the currency, beneficiary country and country of the bank account Give the beneficiary a nickname to easily identify for future operations Input the bank details of the beneficiary Review and confirm the details You are all set! That's it! The account will now be saved and accessible whenever you want to withdraw cash from your Tap wallet balance.

HOW DO I UNLOCK MY CARD?

In order to unlock your Tap card please follow these steps: • Start from the homepage • Navigate to your card dashboard • Under your virtual card you will encounter the action "Freeze card" • Press on little toggle next to it in order to unlock it.

TAP CARD

Status: Active

Issued by TAP

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ESSENTIAL

Card Overview

Custody Type

CUSTODIAL

Card Type

VIRTUAL AND PHYSICAL CARD

Material

Virtual

KYC

Standard

Learn about the TAP Crypto Card, including cashback, fees, limits, key features, supported countries, card tiers, KYC requirements, Pros & Cons, and FAQs.

Pros

Up to 8% cashback

Mastercard acceptance at 110M+ merchants worldwide

Multi-currency IBAN account (7 currencies)

Regulated (Gibraltar FSC DLT licence) + publicly listed on London Stock Exchange

ISO 27001 certified, audited by PKF

Apple Pay + Google Pay supported

Free tier available (Essential)

Physical + virtual card included with all tiers

70+ crypto assets for trading

Free SEPA and GBP transfers

B2B services available (Card as a Service, Crypto as a Service)

Cons

XTP token lockup required for premium tiers

12-month lockup period, cannot unstake early

FX fee not disclosed

Custodial wallet

No APR/yield on deposits

Lower tier trading fees are high (1.99% on Essential)

UK, EU, and EEA residency required, not globally available

XTP token value risk: your €25,000 lockup could lose significant value

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.

ESSENTIAL PLUS PRIME PREMIER PLATINUM PRESTIGE

ESSENTIAL

W BONUS NONE

REG FEE / REQ FREE

CASHBACK 0.5%

NEED KYC YES

FX FEE NOT DISCLOUSED

APR / YIELD NO

CARD TYPE VIRTUAL AND PHYSICAL CARD

CARD NETWORK mastercardMastercard

BLOCKCHAIN ethereumETHEREUMbitcoinBITCOINsolanaSOLANApolygonPOLYGONMore

REGION USAUKEUGLOBAL

WALLET TYPE CUSTODIAL

MOBILE PAY YES

BANK TRANSFER YES

ATM LIMIT €500

DAILY LIMIT €15,000/MO

Compare all tiers

Detail	ESSENTIAL	PLUS	PRIME	PREMIER	PLATINUM	PRESTIGE
W BONUS	NONE	NONE	NONE	NONE	NONE	NONE
REG FEE / REQ	FREE	€300	€2,500	€5,000	€15,000	€25,000
CASHBACK	0.5%	1.5%	3%	4%	6%	8%
NEED KYC	YES	YES	YES	YES	YES	YES
FX FEE	NOT DISCLOUSED	NOT DISCLOUSED	NOT DISCLOUSED	NOT DISCLOUSED	NOT DISCLOUSED	NOT DISCLOUSED
APR / YIELD	NO	NO	NO	NO	NO	NO
CARD TYPE	VIRTUAL AND PHYSICAL CARD	VIRTUAL AND PHYSICAL CARD	VIRTUAL AND PHYSICAL CARD	VIRTUAL AND PHYSICAL CARD	VIRTUAL AND PHYSICAL CARD	VIRTUAL AND PHYSICAL CARD
CARD NETWORK	mastercard, Mastercard	mastercard, Mastercard	mastercard, Mastercard	mastercard, Mastercard	mastercard, Mastercard	mastercard, Mastercard
BLOCKCHAIN	ethereum, ETHEREUM, bitcoin, BITCOIN, solana, SOLANA, polygon, POLYGON, More	ethereum, ETHEREUM, bitcoin, BITCOIN, solana, SOLANA, polygon, POLYGON, More	ethereum, ETHEREUM, bitcoin, BITCOIN, solana, SOLANA, polygon, POLYGON, More	ethereum, ETHEREUM, bitcoin, BITCOIN, solana, SOLANA, polygon, POLYGON, More	ethereum, ETHEREUM, bitcoin, BITCOIN, solana, SOLANA, polygon, POLYGON, More	ethereum, ETHEREUM, bitcoin, BITCOIN, solana, SOLANA, polygon, POLYGON, More
REGION	USA, UK, EU, GLOBAL	USA, UK, EU, GLOBAL	USA, UK, EU, GLOBAL	USA, UK, EU, GLOBAL	USA, UK, EU, GLOBAL	USA, UK, EU, GLOBAL
WALLET TYPE	CUSTODIAL	CUSTODIAL	CUSTODIAL	CUSTODIAL	CUSTODIAL	CUSTODIAL
MOBILE PAY	YES	YES	YES	YES	YES	YES
BANK TRANSFER	YES	YES	YES	YES	YES	YES
ATM LIMIT	€500	€500	€500	€500	€1,000	UNLIMITED
DAILY LIMIT	€15,000/MO	€15,000/MO	€15,000/MO	€15,000/MO	€25,000/MO	€30,000/MO

Source: tap-card Updated 2026-07-28T10:25:23+00:00 · reviewed data

Rewards & Staking

Max Cashback

0.5%

On eligible purchases

Reward Token

N/A

Payout details not disclosed

APR / Yield

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

TAP 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

solana

polygon

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 FREE

FX Fee NOT DISCLOUSED

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 €15,000/MO

Monthly Spend Limit N/A

ATM Withdrawal Limit €500

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

43 countries

View country list (43 countries)

AustriaBelgiumBulgariaCroatiaCyprusCzech RepublicDenmarkEstoniaFinlandFranceFrench PolynesiaGermanyGibraltarGreeceGuadeloupeGuernseyHungaryIrelandIsle of ManItalyJerseyLithuaniaLuxembourgMaltaMartiniqueMonacoNetherlandsNorwayPolandPortugalReunionRomaniaSaint MartinSan MarinoSlovakiaSouth AfricaSpainSt. BarthelemySwedenSwitzerlandUnited KingdomUnited StatesVatican City

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

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Quick Answers

Frequently asked questions about TAP 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.

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Funding Methods

Bank Transfer

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