MastercardCEX.IO · Mastercard
CEX.IO Card
The CEX.IO Card is a virtual Mastercard debit card, issued by Quicko, available to verified residents of the European Economic Area. It is free to order with no annual or monthly fees, converts crypto to fiat at the point of sale with no markup on euro purchases and a 1% markup elsewhere, and supports Apple Pay and Google Pay. Spending is capped at 3,000 EUR per day and 10,000 EUR per month, and purchases can trigger random crypto rewards.
Published 25 August 2026 · facts checked 2026-10-15. Image: Placeholder image. Terms can change.
Affiliate disclosure: The highlighted check-card button may be a referral link. It does not change the editorial facts, guarantee approval, or make this a personal recommendation.
Product model
Debit
Availability
European Economic Area (EEA) only.
Card formats
Virtual
Verification
KYC and 2FA required.
What it is
The product in plain English
A virtual Mastercard debit card from CEX.IO, launched in May 2024 for EEA residents with free issuance.
Best fit, not a ranking: EEA-based CEX.IO users who want a no-annual-fee virtual card for spending exchange balances.
Money movement
How the card is funded
Linked CEX.IO wallet balances; crypto converts to fiat at the point of sale.
Rewards: Random crypto rewards on purchases over 1 EUR; occasional promotional cashback offers.
Cost reality
Read beyond the headline
Free issuance; no annual or monthly fees; 1% currency conversion fee on non-EUR purchases; daily spending limit 3,000 EUR; monthly limit 10,000 EUR.
Caution: The card is virtual-only with no ATM access, and it is unavailable outside the EEA.
Getting started
How people apply
Start with the provider’s official onboarding flow, then confirm the card, issuer, and funding terms for your region.
What changed recently
Update trail
The provider’s current product page is the update source. Fees, eligibility, rewards, and availability should be rechecked before applying.
Last editorial check: 2026-10-15. CryptosBeginner does not automatically guarantee that provider pages remain unchanged after this date.
Potential upsides
What stands out
Virtual option is listed by the provider
Mastercard payment rail is described on the source page
Official source and fee links are included
Potential trade-offs
What to verify
Eligibility depends on residence and provider approval
The headline fee or reward may not cover every charge
Current terms should be checked before funding or applying
Before you apply
Five checks that prevent bad comparisons
01
Country
Confirm the product is actually available at your address.
02
Funding
Know whether you spend cash, converted crypto, or borrowed value.
03
Fees
Look for spreads, FX, ATM, top-up, and subscription charges.
04
Issuer
The brand on the card may not be the legal issuer.
05
Tax
Spending crypto can create tax consequences in some jurisdictions.
FAQs
Questions readers ask before applying
What does CEX.IO Card cost?+
Free issuance; no annual or monthly fees; 1% currency conversion fee on non-EUR purchases; daily spending limit 3,000 EUR; monthly limit 10,000 EUR. Provider fees and regional terms can change, so use the linked fee details before applying.
How is CEX.IO Card funded?+
Linked CEX.IO wallet balances; crypto converts to fiat at the point of sale.
Where is CEX.IO Card available?+
European Economic Area (EEA) only.
What should I verify before choosing CEX.IO Card?+
Check the provider’s current country eligibility, issuer, verification process, funding route, complete fee schedule, limits, and tax treatment before making your own decision. This profile is educational comparison content, not a personal recommendation.