United Kingdom · pound sterling

The best crypto cards in the UK

UK residents can get ether.fi Cash, Krak and MetaMask, but not Bleap, and Ready is not issuing cards. Pound spending counts as foreign currency on EUR- and USD-based cards; ether.fi charges 0.5% on GBP on its free tier, while Krak supports sterling balances with no markup.

Verified By

Ranked for the UK

What you’d keep in the UK

Pre-set for the UK, where local spending in pound sterling counts as foreign currency on most cards. Change the spend and the ranking updates.

In non-euro countries this includes local spending — lei, forint, złoty, krone, francs or pounds.

Only affects Krak, whose cashback depends on your average balance.

1
ether.fi CashBest for youReferral link
€509 cashback · −€77 fees · Free Core tier: 3% on the first $2,000 a month, but euro purchases only on the first $800. Higher tiers raise both caps.
+€432per year
2
Krak CardReferral link
€180 cashback · €0 fees · Rate set by your balance: 0% under €200, 1% from €1,000, 1.5% from €10,000, 2% from €50,000.
+€180per year
3
MetaMask CardReferral link
€180 cashback · −€77 fees · Free virtual card. 1% on merchants abroad; 0.5% on local spending outside the euro area. The 3% Metal tier is paused.
+€103per year
4
Wirex OneReferral link
€0 cashback · €0 fees · Base earns 0.5%, but rewards can only be redeemed by holding WPAY: $7 a month per $100 of it.
€0per year
5
Crypto.com VisaCheck availability
€0 cashback · −€31 fees · Free Basic card: no rewards, 0.2% on non-euro spending in the EU and UK. Paid plans from €3.99 a month are not counted.
−€31per year
6
Nexo CardReferral link
€0 cashback · −€54 fees · Cashback is paid only on borrowed spending, which costs 17.9% a year on the base tier. Its value is the credit line.
−€54per year
7
ZEN.COM CardCheck availabilityReferral link
€0 cashback · −€167 fees · No everyday cashback. 0.5% FX plus 0.5% to fund from crypto on the Free plan.
−€167per year
8
RedotPay
€0 cashback · −€373 fees · No cashback. 1% conversion on every purchase plus 1.2% FX.
−€373per year
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Bleap
Not available in the UK.
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OKX Card
Not available in the UK.
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Bybit Card EU
Not available in the UK.
—
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Bitpanda Card
Not available in the UK.
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Net value per year, in euros. Assumes you pay the cheapest way each card allows, from euros or stablecoins — paying from BTC or ETH adds conversion spreads on most cards. Category bonuses and promotions aren’t counted. ether.fi’s dollar caps use its own euro and dollar ladders. USD fees converted at about €0.90. An estimate, not financial advice — confirm terms with the issuer. How the calculator works.

Availability in the UK

  1. ether.fi Cash
    3% back up to a monthly cap while your ETH keeps earning, paid in the ETHFI token. Non-custodial, no annual fee.
    +€432
  2. Krak Card
    Kraken’s card: an Irish MiCA licence, no fees on fiat spending, uncapped cashback tied to your balance.
    +€180
  3. MetaMask Card
    Spend straight from the wallet you already use. 1% back in the mUSD stablecoin on the free card.
    +€103
  4. Wirex One
    Rebuilt in 2026 as a self-custodial stablecoin app with no FX markup. Every reward, even the free 0.5%, needs WPAY to redeem.
    €0
  5. Crypto.com Visa Unconfirmed
    Still the perks king, but the free card earns nothing: rewards start with a €3.99 monthly plan and are capped.
    −€31
  6. Nexo Card
    Borrow against your crypto instead of selling it. The value is the credit line, not the cashback.
    −€54
  7. ZEN.COM Card Unconfirmed
    A Lithuanian e-money account with a Mastercard: 0.5% FX on the free plan, cashback only at partner shops, and crypto as an on-ramp rather than a balance.
    −€167
  8. RedotPay
    Huge limits and global reach, but no base cashback and about 2.2% in fees on foreign-currency spending.
    −€373
  9. Bleap Not available
    Not offered to residents of the UK.
    —
  10. OKX Card Not available
    Not offered to residents of the UK.
    —
  11. Bybit Card EU Not available
    Not offered to residents of the UK.
    —
  12. Bitpanda Card Not available
    Not offered to residents of the UK.
    —

Net value per year at €1,500/month with 85% foreign-currency spending. Availability verified October 22, 2026; unconfirmed means the issuer doesn’t clearly list the UK — check before applying.

Paying in pounds: which cards avoid the markup

Pound spending counts as foreign currency on euro- and dollar-based cards. Krak is the exception: it holds sterling balances with no markup, so UK purchases are domestic. ether.fi Cash pays more but charges 0.5% on pounds on its free tier. Bleap is not offered in the UK and Ready is not issuing cards; MetaMask has reopened UK sign-ups but charges 0.5% on pound purchases; and Nexo and Wirex One are available under their FCA-registered UK entities.

Tax when you spend crypto in the UK

HMRC’s Cryptoassets Manual lists using tokens to pay for goods or services as a disposal, so every crypto-funded card payment is a capital gains tax event. From April 6, 2026 the rates are 18% within the basic rate band and 24% above it, and the annual exempt amount for 2026 to 2027 is £3,000 of gains. Pooling rules apply, so the gain on each purchase is measured against the average cost of your holding. Cashback is one area where the UK has real guidance: HMRC’s Statement of Practice 4/97 says cashback received by an ordinary retail customer as an inducement to buy is not a taxable receipt and does not derive from a chargeable asset. That was written for pounds; HMRC has not said whether cashback paid in crypto is covered, and any later disposal of that crypto is within CGT in any case. Airdrops received without doing anything in return are not income, but again a later disposal is.

Funding a card from a UK bank

Faster Payments move pounds instantly, day and night, up to £1 million, but the cards here hold euros or dollars, so a top-up from a UK account means a currency conversion at your bank or in the app; Krak’s sterling balance avoids it. Since October 2023 the FCA’s financial promotion rules apply to crypto firms serving UK customers, which is why sign-up flows show risk warnings and a 24-hour cooling-off period.

This is general information, not tax advice. Rules change and your situation may differ; check with a local adviser before relying on it.

Sources

Tax and payment facts above were read on September 26, 2026 from:

Other countries

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Questions

Crypto cards in the UK: questions

What is the best crypto card in the UK?
At €1,500 a month of spending, ether.fi Cash comes out ahead in the UK at about €432 a year after fees. Because most local spending is in pound sterling, cards with no FX markup gain ground in the UK. The best card for you depends on your spending — use the calculator on this page.
Which crypto cards are available in the UK?
Confirmed: ether.fi Cash, Krak Card, MetaMask Card, Wirex One, Nexo Card, RedotPay. Unconfirmed: Crypto.com Visa, ZEN.COM Card. Not available: Bleap, OKX Card, Bybit Card EU, Bitpanda Card.
Which crypto cards have no FX fees in the UK?
Krak Card add no FX markup of their own. The card network’s exchange rate still applies.
Do I pay tax when I spend crypto with a card in the UK?
Yes. HMRC treats paying for goods with tokens as a disposal for capital gains tax, at 18% or 24% from April 2026 on gains above the £3,000 annual exempt amount. This is general information, not tax advice.
Is crypto cashback taxable in the UK?
Cashback paid to ordinary retail customers as an inducement to buy is not taxable under HMRC’s Statement of Practice 4/97, which was written for cash. HMRC has not addressed crypto-denominated cashback, and selling that crypto later is a CGT disposal.