Yearly cost at three spending levels
| Monthly spend | RedotPay | Crypto.com Card |
|---|---|---|
| $500 | -$146.40 Standard | ≤ -$24 Basic (Midnight) |
| $2,000 | -$369.60 Standard | ≤ -$96 Basic (Midnight) |
| $5,000 | -$816 Standard | ≤ -$240 Basic (Midnight) |
Net value per year: cashback minus conversion, FX, ATM and fixed fees. US dollars, 20% foreign spending, one $200 ATM withdrawal a month. The card cost calculator runs the same comparison with your own habits.
Where the money goes at $2,000 a month
| Line | RedotPay Standard | Crypto.com Card Basic (Midnight) |
|---|---|---|
| Top-up and conversion fees | -$264 | Not disclosed |
| Spending fees | $0 | $0 |
| Foreign exchange markup | -$57.60 | -$96 |
| ATM fees | -$48 | $0 |
| Annual, monthly and subscription fees | $0 | $0 |
| Cashback | $0 | $0 |
| Net per year | -$369.60 | -$96 |
Fees
RedotPay charges 1% to convert or top up and 1.2% on spending in a foreign currency. Crypto.com Card charges Not disclosed and 2%.
ATM withdrawals: RedotPay 2%; Crypto.com Card 2% after €200 free a month.
A virtual card costs $10 with RedotPay and nothing with Crypto.com Card. A physical card costs $100 and €4.99. Neither card has an annual fee on its base tier.
Cashback and rewards
RedotPay cashback: None. Crypto.com Card cashback: None.
RedotPay tiers: Standard: 0%.
Crypto.com Card tiers: Basic (Midnight): 0%.
Availability and KYC
RedotPay is offered in 202 countries and territories and excludes 47, including India, Indonesia, Singapore, Turkey and United States.
Crypto.com Card is offered in 30 countries, including France, Germany, Ireland, Italy, Netherlands, Portugal and Spain. This entry covers the card for users with a residential address in Europe (EEA). Crypto.com publishes separate fee schedules for the US, UK, Australia, Singapore, Brazil and GCC markets.
RedotPay needs full KYC and Crypto.com Card needs full KYC.
The card finder checks both cards against your country, KYC level and must-have features.
Limits, wallets and card types
RedotPay publishes a daily spending limit of $1,000,000 and ATM withdrawals of up to $3,750 a day.
Crypto.com Card publishes a daily spending limit of €25,000, a monthly limit of €25,000 and ATM withdrawals of up to €2,000 a day.
RedotPay works with Apple Pay and Google Pay, and Crypto.com Card works with Apple Pay and Google Pay. RedotPay and Crypto.com Card issue a virtual card you can use straight away.
Custody and safety
RedotPay scores 74/100. Licensing: holds a licence or registration outside the tier-one list (Hong Kong Money Lender (No. 1715/2025) and Trust or Company Service Provider licences; Argentina VASP (CNV PSAV No. 144); Lithuania VASP registration (RedotX, UAB); Canada MSB; US FinCEN MSB). No incidents or enforcement actions found in the last 36 months. Client digital assets are held in segregated wallets with Cactus Custody, a Hong Kong trust company (licence TC006789), covered by US$50 million crime and specie insurance, per the custodian's announcement quoting RedotPay's CEO. RedotPay's general terms name Red Dot Trust Limited, a Hong Kong trust company, as custodian of user accounts. We could not find a published proof-of-reserves report.
Crypto.com Card scores 59/100. Licensing: holds a licence or registration outside the tier-one list (MiCA crypto-asset service provider authorisation, Malta Financial Services Authority). No incidents or enforcement actions found in the last 36 months. The e-money institution that issues the European card is not named on Crypto.com's public fee pages.
Full reports: RedotPay safety check and Crypto.com Card safety check.
About each card
RedotPay Card (Global) is a custodial Visa card from RedotPay group (Red F. Technology Limited, Hong Kong). It tops up with USDT, USDC, BTC and ETH.
Crypto.com Visa Card (Europe) is a custodial Visa card from Crypto.com (Foris DAX MT Limited in the EU). It tops up with USDT, USDC, BTC and ETH and its balance is held in EUR. Card rewards on the Plus, Pro and Private Level Up plans are advertised as up to 4.5%, but Crypto.com does not publish the rate for each plan in Europe, so only the Basic plan is modelled.
Which card fits you
RedotPay fits if Recommended
- You spend in foreign currencies often, since its FX markup is lower.
- Most of your spending is in your home currency, where its lower conversion fee counts most.
- You live outside the US and the handful of countries it excludes.
- You weigh licensing and fund segregation heavily, since it scores higher on our safety check.
Crypto.com Card fits if
- Its fees and availability match your situation better on the table above.
Read more: RedotPay review · Crypto.com Card review