Where Can I Find Crypto Debit Cards That Work With Multiple Currencies? (2026 Guide)

Multi-currency crypto debit cards let you hold and spend different cryptocurrencies and traditional currencies from the same account. If you travel a lot or shop in various currencies, these cards save you from constantly converting and racking up fees. You can just pick which currency you want to spend for each transaction.

You’ll find multi-currency crypto cards at places like Releaso.io, Revolut Crypto, Wirex, Crypto.com, and Nexo. Each one has its own quirks and fee structures. The big difference? How they handle currency conversions. Some actually let you hold separate balances and pick which one you use, while others just swap things around in the background and hit you with the usual fees.

Picking the right card really comes down to how you plan to use it, which currencies you actually need, and how often you’re hopping borders or making international purchases.

Key Takeaways

• Multi-currency crypto debit cards let you hold several cryptocurrencies and regular currencies at once, no forced conversions

  
  

• Real multi-currency cards save you money by letting you choose which currency to spend, instead of auto-converting every time

  
  

• Things to compare: exchange rate transparency, withdrawal fees, supported currencies, and whether the card gives you true multi-currency wallets or just does hidden conversions

How Multi-Currency Crypto Debit Cards Work

With multi-currency crypto debit cards, you can keep different cryptocurrencies and fiat currencies side by side, then pick which one to spend at checkout. The card takes care of crypto-to-fiat conversion if needed, and some cards let you load up multiple fiat currencies without converting until you actually buy something.

Crypto-to-Fiat Conversion Process

When you swipe or tap a crypto debit card, it instantly converts your chosen crypto into regular money that merchants accept. This all happens in seconds through networks like Visa or Mastercard.

You get the current market price for your crypto, but most cards tack on a small fee or spread—usually 1% to 3%. Some cards show you the real exchange rate, others sneak in some extra fees.

You don’t really see this happening. You just pay, and the system pulls the right amount of crypto from your wallet. The merchant gets regular money and probably has no idea crypto was involved. It’s as fast as any regular debit card.

Holding and Selecting Multiple Currencies

A real multi-currency card lets you keep different cryptos and fiat currencies in separate balances. You might have Bitcoin, Ethereum, US dollars, and euros all sitting in your account. When you buy something, you pick which one to use—usually in the app.

This saves on conversion fees. If you’re in Europe, you can use euros directly instead of converting crypto every single time. If Bitcoin’s up, maybe you spend that. It’s flexible, so you can wait for good rates before converting.

But not every card that claims “multi-currency” actually does this. Some just convert everything behind the scenes and charge the same as single-currency cards. True multi-currency means you control which balance to use for each payment.

Virtual Versus Physical Crypto Cards

Virtual cards are just card numbers you use online or in mobile wallets. You get them instantly in the app. Physical cards are the plastic or metal ones you get in the mail, and you can use them anywhere cards are accepted.

With a virtual card, you can start shopping right away—no waiting for shipping. They’re great for online buys or adding to Apple Pay and Google Pay. Physical cards work at stores, restaurants, and ATMs.

Most providers give you both. Usually, you get a virtual card right after signing up, and then you can request a physical one if you want. Sometimes there’s a small fee for the physical card, but virtual cards are usually free. Both connect to the same account and balances.

Top Multi-Currency Crypto Debit Cards Available

Some crypto debit cards really stand out for handling multiple currencies and cryptos. They hook into Visa or Mastercard and let you keep different digital assets and fiat currencies all in one place.

Crypto.com Visa Card and CRO Staking Benefits

The Crypto.com Visa Card supports 150+ fiat currencies and major cryptos like Bitcoin, Ethereum, and more. You can hold multiple currencies in your account and switch between them for purchases.

There’s a staking tier system with the CRO token. The more CRO you stake, the better perks you get—like better exchange rates and bigger cashback. No staking? You get the basics. Premium tiers need a big CRO lockup for 180 days.

Exchange rates get better as you move up the tiers. If you stake more, you get closer to the real market rate; less staking means bigger spreads. That can really affect how much you save with the multi-currency features.

The card works almost anywhere Visa is accepted. You pick which currency or crypto to spend in the app before you pay.

Binance Visa Card and Supported Assets

The Binance Visa Card links straight to your Binance account, so you get access to hundreds of cryptos and several fiat currencies. It’s super flexible for traders with lots of digital assets.

You can fund the card with Bitcoin, Ethereum, BNB, stablecoins like USDT and BUSD, and pretty much anything on Binance. The card automatically converts your selected crypto to local fiat at checkout.

You get cashback in BNB tokens—anywhere from 1% to 8%, depending on your BNB holdings. The more BNB you hold (not stake), the higher your rewards. Binance figures this out based on your average holdings over specific periods.

It’s available in a bunch of countries across Europe, Asia, and Latin America, but not the US. You’ll need a Binance account in good standing to get the card.

Wirex Card for Global Users

Wirex was one of the first to do multi-currency crypto cards and supports both regular and digital currencies in one wallet. You can hold pounds, euros, US dollars, and more, plus Bitcoin, Ethereum, Litecoin, and other cryptos.

You can convert currencies in real time through the app. You pick which balance to spend, or let the system use whatever matches the transaction location. That helps you dodge conversion fees when traveling.

Wirex pays cashback in their WXT token, with rates up to 8% for some spending. The actual value depends on WXT’s price and liquidity, but most users see 0.5% to 2% as a baseline.

Wirex has been around since 2014 and made it through several crypto crashes. The card works in 130+ countries and supports ATM withdrawals in local currencies. Some folks mention loading fees when depositing certain cryptos, which can eat into your savings.

Coinbase Card for US and International Clients

The Coinbase Card is a Visa debit card tied to your Coinbase account. It supports every crypto on Coinbase—Bitcoin, Ethereum, lots of altcoins—and US dollar balances for Americans.

You choose which crypto to spend in the Coinbase app before you pay. The card converts it to local currency at the current market rate. No transaction fees for purchases, but you might pay crypto network fees when moving assets.

Cashback depends on which crypto you pick, with rates from 1% to 4%. Rewards come in the same crypto you spend. The program changes now and then, depending on Coinbase’s promos and partnerships.

It’s available in the US and now in several European countries and the UK. International users can hold euros or pounds with their crypto. ATM withdrawals have fees after a small free monthly allowance.

Key Fees and Costs to Compare

Crypto debit cards all have their own fee setups, and these can really affect how much you actually save. The big things to watch: conversion fees and spreads, ATM and foreign transaction charges, and sneaky maintenance fees.

Conversion Fees and Spreads

Any time your card converts crypto to fiat, there’s usually a fee—most cards charge 0.3% to 2.2% per transaction. Some say “zero fees” but really make money on the spread (the difference between the real exchange rate and the one you get).

Brighty, for example, charges conversion fees starting at 0.3% for business users, and 0.4%–0.6% for personal, depending on your plan. Bitget Wallet Card gives you a monthly zero-fee allowance up to $400 or $600, where they refund common card costs of 2%–7%. After that, you’re back to the usual 1%–2.2% fees.

Nexo does things differently. In credit mode, you pay borrowing rates (starting at 2.9% yearly) instead of upfront conversion fees. In debit mode, spending stablecoins is fee-free.

ATM Withdrawal and Foreign Transaction Charges

ATM withdrawal fees are all over the map. Nexo lets you pull out up to €2,000 or £1,800 a month for free, then charges 2% after that (minimum 1.99 EUR/GBP). Bitget Wallet Card’s ATM fees depend on the regional partner and local banks, separate from the monthly zero-fee allowance.

Brighty doesn’t charge ATM fees within your monthly limits, but you pay network fees if you go over. COCA gives you $200 a month in free ATM withdrawals. Most crypto cards keep foreign transaction fees lower than banks, since you’re converting from crypto, not between fiat currencies. COCA even claims 0% foreign exchange fees.

Hidden and Maintenance Fees

Watch out for monthly or yearly subscriptions, inactivity charges, and card issuance fees. Nexo skips monthly, annual, and inactivity fees in debit mode. You get a free virtual card with a $50 deposit, and a free physical card if you’ve got $500 in your portfolio and Gold loyalty status.

COCA doesn’t charge annual or monthly fees, and virtual cards are free. Bitget Wallet Card is similar—no annual/monthly fees, no issuing costs. Brighty has a free tier but also offers paid plans with extra perks.

Some providers charge for reissuing lost or damaged cards. Also, check for minimum balance requirements or dormancy penalties.

Maximizing Value: Rewards, Security, and Usability

Multi-currency crypto debit cards can be wildly different when it comes to rewards, security, and ease of use. The best cards mix solid cashback with strong fraud protection and work just about anywhere.

Crypto Cashback and Reward Programs

Most crypto cards pay cashback in crypto instead of cash. Gemini gives up to 4% back on gas and transit, 3% on dining, and 2% on groceries—paid instantly in 50+ cryptos. EtherFi Cash Card pays up to 3% on all spending, with extra boosts for higher membership tiers.

Binance Visa Card links rewards to your BNB balance (0.1%–8%). Coinbase Visa card pays up to 4% BTC back for higher tiers, but lower tiers get less. Wirex offers up to 8% cryptoback if you stake their WXT token.

Most cards cap the top rewards each month. BitPay leans on merchant partnerships, not flat cashback.

Security Features and Instant Freeze

All the big crypto debit cards let you instantly freeze your card in the app. Lose your card? Just lock it. Find it? Turn it back on. Gemini throws in 2FA and keeps card numbers off the physical card for extra safety.

Virtual cards are safer for online shopping. Gemini and Nexo let you make multiple virtual cards in their apps. EtherFi focuses on non-custodial and DeFi-friendly security for folks who want more control.

Visa and Mastercard fraud protection applies to most cards. Nexo adds spend analytics and custom spending limits. Wirex has contactless payments with tokenization. Security varies by issuer, but instant freeze is probably the handiest feature for everyday life.

Usability and Access Across Regions

How easy is it to use these cards around the world? Well, that depends on the payment network. Gemini runs on Mastercard and works in 60+ countries, while Nexo mainly sticks to Europe. EtherFi claims broad global access, but the perks and features can really change depending on where you are.

Binance and Coinbase cards are good bets if you’re in a country where their exchanges operate. Wirex leans into worldwide use, letting you juggle both fiat and crypto wallets. BitPay lets you fund with a bunch of tokens, but if you’re hoping for fancy travel perks, you might be disappointed.

If you’re a frequent traveler, foreign exchange fees can sting. Gemini skips FX fees entirely. Nexo charges 0.2% for EEA currencies, 2% elsewhere, and tacks on a 0.5% weekend surcharge. EtherFi charges 1% on non-USD transactions. Binance and BitPay? Expect 1-3% depending on the region.

ATM access is all over the map. Nexo gives you free withdrawals up to a monthly limit (based on loyalty tier), then hits you with a 2% fee. Wirex lets you pull up to $200 a month for free at ATMs. Most cards charge 2-3% once you pass the free tier.

Apple Pay and Google Pay support really helps for everyday spending. Gemini, EtherFi, and Nexo all play nice with mobile wallets, so you can tap and go.

Frequently Asked Questions (FAQs)

Multi-currency crypto debit cards come in all shapes and sizes. Each one has its own quirks—availability, how you apply, what fees you’ll pay, which coins you can use, how they keep things secure, and how they handle rewards. You’ll find several solid options that work with big networks like Visa and Mastercard.

What are the top-rated multi-currency cryptocurrency debit cards currently available?

The Gemini Card covers over 70 cryptocurrencies (BTC, ETH, USDT, and more). It’s accepted in 60+ countries thanks to Mastercard. No annual fee, and you can earn up to 4% back on some purchases.

Nexo Card supports BTC, ETH, USDC, and other big names. You get instant crypto rewards, no staking needed. It’s got a metal feel and connects directly to the Nexo app for spending controls.

Coinbase Visa card plugs right into your Coinbase account. Higher-tier users get up to 4% BTC back. It works anywhere Visa does, and the standard version skips annual fees.

Binance Visa Card ties into the Binance exchange. You can spend multiple cryptocurrencies and earn BNB cashback. The Binance app lets you freeze your card instantly and keep tabs on transactions.

How do I apply for a cryptocurrency debit card that supports multiple currencies?

Most providers want the usual KYC info—government ID, identity checks, sometimes proof of address. You usually start in the provider’s app or website, make an account, and complete verification. Once that’s done, just request your card in the app.

Approval times? They’re all over the place. Some cards get you set up in a few days, others might make you wait up to two weeks.

Can you list the fees associated with using a multi-currency crypto debit card?

Gemini Card skips annual and foreign transaction fees. Cash advances cost $10 or 3%, whichever is higher. Late payments can run up to $8, and returned payments up to $35.

Nexo Card doesn’t charge annual or inactivity fees. You get free ATM withdrawals up to your monthly limit (based on loyalty tier), then it’s 2% with a €1.99 minimum. FX fees are 0.2% for EEA currencies on weekdays, 2% for non-EEA, and another 0.5% on weekends.

BitPay Card has no annual fee but asks up to 3% FX for foreign transactions. Load fees can show up depending on how you fund it. You’ll see crypto conversion spreads when you load the card.

Binance Visa Card won’t charge annual or maintenance fees. Crypto conversion fees can hit 1%. FX fees range from 1-2%, depending on where you’re using it.

Which cryptocurrencies are widely supported by multi-currency crypto debit cards?

You’ll find Bitcoin and Ethereum on nearly every card—Gemini, Nexo, Coinbase, Binance, BitPay, you name it.

Stablecoins like USDT and USDC are pretty common too. Gemini Card supports USDT, Nexo Card works with USDC. These are handy if you want to dodge wild price swings at checkout.

BitPay Card lets you use a wide mix of tokens, not just the big names. Gemini Card supports over 70 digital assets. Some cards zero in on a specific token for rewards, like Coinbase’s BTC-only rewards.

Wrapped tokens pop up on some cards. EtherFi Cash Card, for example, takes both ETH and wETH, as well as BTC and wBTC. The exact tokens you can use depend on the card and your region.

What are the security features of leading multi-currency cryptocurrency debit cards?

Most cards rely on two-factor authentication (2FA) to lock down your account. Gemini Card gives you 2FA and lets you freeze your card in the app if something seems off.

Visa and Mastercard fraud protection kick in for crypto debit cards too. These networks keep an eye out for sketchy purchases and let you dispute unauthorized charges.

Gemini Card doesn’t print the card number on the physical card. That way, nobody can just glance at your card and grab the number. Virtual cards add another layer for online shopping.

App controls are a big deal. You can set spending limits, block certain merchants, and get instant transaction alerts. Nexo and Binance both put these tools front and center in their apps.

Are there any multi-currency crypto debit cards that also offer rewards or cashback programs?

The Gemini Card gives you 4% back on gas, EV charging, transit, taxi, and rideshare purchases (up to a monthly cap). You’ll get 3% back on dining, 2% back on groceries, and 1% everywhere else. They pay out rewards instantly in crypto straight to your Gemini account, which is honestly pretty convenient.

EtherFi’s Cash Card lets you earn up to 3% cashback on everything, depending on your tier. If you’re a higher-tier member, they’ll toss in some seasonal reward boosts too. Luxe and VIP Club folks even get access to crypto lounges and special events. Not bad if you’re into that scene.

Nexo Card pays out up to around 2% cashback, either in NEXO tokens or a few other options. You don’t have to stake anything to get rewards, which is a relief. The cashback rate changes depending on your account tier and collateral settings.

Wirex offers up to 8% Cryptoback, but you’ll need to stake WXT tokens for that top rate. The exact percentage depends on your subscription plan, which ranges from Standard (free) to Elite. They also let you withdraw cash from ATMs for free, up to about $200 monthly.