Tap Card
Issued via Transact Payments · Card currency EUR
- Custody
- Custodial
- Network
- Mastercard
- Card types
- Virtual + physical
- Card product
- Prepaid
- Wallets
- Unknown
Shipping countries are not published.
Partly verified · 7 of 12 key facts · last checked 15 Oct 2026 · aging
Facts reviewed by Andrew L.
Review
What it is
Tap Card is a crypto card that comes as a virtual and a physical card. It is a prepaid card. It is issued by Transact Payments. Payments run on the Mastercard network. The card currency is EUR.
Funding and spending
The company holds your balance, and the card spends from it. It can be funded with crypto or with fiat money. You can top it up by bank transfer and debit or credit card. You can reload it after the first load. Cryptocurrency exposure in the TAP Account is automatically exchanged into fiat when you spend; no list of spendable assets is given.
Fees
It has no virtual card issuance fee. It has no monthly fee. The foreign currency fee is 0% to 1.5%, depending on tier. The ATM withdrawal fee depends on the tier. Some of these fees have conditions, which are listed in the fees table on this page. We have not verified the annual fee, crypto conversion spread and top-up fee yet.
Limits and rewards
You can withdraw cash at ATMs. Daily spending limit: EUR 2,500 to EUR 15,000, depending on tier. Monthly spending limit: EUR 15,000 to EUR 40,000, depending on tier. It pays 0.5% back on card spend. The 0.5% rate applies without staking, and staking raises it to 8%.
Signing up
You can apply in 30 countries.
How we check
We last checked this card on 15 Oct 2026, against 6 official issuer pages. The tables below show the source and the check date of every value we have verified. Facts not listed here are unknown so far.
Tiers compared
| Fee or limit | Essential | Plus | Prime | Premier | Platinum | Prestige |
|---|---|---|---|---|---|---|
| Card issuance | Free | Free | Free | Free | Free | Free |
| Monthly fee | Not verified | Free | Free | Free | Free | Free |
| Foreign currency (FX) | 1.5% | 1.5% | 1.5% | 1% | 0% | 0% |
| ATM withdrawal | 2% | 2% | 2% | 2% | Free | Free |
| Maximum balance | EUR 10,000 | EUR 10,000 | EUR 10,000 | EUR 20,000 | EUR 30,000 | EUR 30,000 |
| Daily spend | EUR 2,500 | EUR 2,500 | EUR 2,500 | EUR 10,000 | EUR 15,000 | EUR 15,000 |
| Monthly spend | EUR 15,000 | EUR 15,000 | EUR 15,000 | EUR 30,000 | EUR 40,000 | EUR 40,000 |
| Yearly spend | EUR 50,000 | EUR 50,000 | EUR 50,000 | EUR 80,000 | EUR 120,000 | EUR 120,000 |
| Top-up per day | EUR 5,000 | EUR 5,000 | EUR 5,000 | EUR 5,000 | EUR 5,000 | EUR 5,000 |
| Back on card spend | 0.5% | 1.5% | 3% | 4% | 6% | 8% |
Fees, limits and the reward rate for each tier. A cell that says Not verified has no checked figure yet.
Pros and cons of Tap Card
Pros
- No monthly fee
- No card issuance fee
- 0.5% back, up to 8% with staking
- Comes as a virtual and a physical card
Cons
- Only available in the EEA
- Custodial: the issuer holds your funds
- 5 of 12 key facts are not verified yet
Who it suits
- People who live in the EEA, the only region where the card is available
Built only from facts we have verified. Anything we have not verified is left out.
Fees
Amounts in the card currency, as the issuer publishes them?
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Limits
Rewards
Top-up assets and networks
Cryptocurrency exposure in the TAP Account is automatically exchanged into fiat when you spend; no list of spendable assets is given.
Access and funding
Where it's available
Applying for the card and using it are tracked separately.
Shipping countries are not published, so there is no shipping column.
Rules the issuer states
No country matches your search.
No information for 5 countries yet
Frequently asked questions about Tap Card
Who issues Tap Card?
Tap Card is issued by Transact Payments. Payments run on the Mastercard network.
Is Tap Card a virtual or a physical card?
Tap Card comes as both a virtual and a physical card.
Can I withdraw cash from an ATM with Tap Card?
Yes. You can withdraw cash at ATMs. The ATM withdrawal fee depends on the tier.
How do I top up Tap Card?
You can top it up by bank transfer and debit or credit card.
Which crypto can I use with Tap Card?
Cryptocurrency exposure in the TAP Account is automatically exchanged into fiat when you spend; no list of spendable assets is given.
What does Tap Card charge on payments in a foreign currency?
The foreign currency fee is 0% to 1.5%, depending on tier.
Does Tap Card pay cashback?
Yes. It pays 0.5% back on card spend. Some rewards need you to stake a token.
What are the spending and ATM limits of Tap Card?
Daily spending limit: EUR 2,500 to EUR 15,000, depending on tier. Monthly spending limit: EUR 15,000 to EUR 40,000, depending on tier.
In which countries can I apply for Tap Card?
You can apply in 30 countries.
Sources
- Fees pageFeeswithtap.com
- Cardholder termsGenerally applicable termsterms.withtap.comChecked 02 Oct 2026
- Other official pageCardswithtap.comChecked 04 Oct 2026
- Other official pagewithtap.com/de-deChecked 02 Oct 2026
- Fees pageFees and limitsterms.withtap.comChecked 15 Oct 2026
- Cardholder termsCardterms.withtap.comChecked 15 Oct 2026
- Cardholder termsCryptocurrency walletterms.withtap.comChecked 15 Oct 2026
- Cardholder termsCard 3d secureterms.withtap.com