Crypto.com Card Fees by Country 2026: 9 Schedules

Every review of this card quotes one foreign transaction fee, and every one of them is right somewhere and wrong everywhere else. Ask what Crypto.com card fees by country actually look like and you find the answer is not a number but a filing cabinet: on 11 October 2026 the help centre's own fees collection listed nine separate fee-and-limit schedules for the same card family. We read all nine, line by line, plus the US cardholder agreement behind them. The tier you hold — Midnight up to Obsidian — is the variable the marketing talks about. The address on your account is the one that moves more money.

Nine schedules, one card

The card is sold as one product with one ladder of tiers. It is administered as nine products. Here is the full set as the collection index listed it, with the document date each one carries and the network it actually runs on.

Two things there are worth stopping on. The GCC document is for a Mastercard, so the card is not even the same network in every market — and the network sets the conversion procedure behind the fee. And two schedules are denominated in US dollars for cardholders nowhere near the United States: the GCC one, and the one for Europe-issued cards held in Brazil and select LATAM markets.

Which schedule actually binds you

Not the country you are standing in. The documents key off the residential address on the account, and the clearest proof is that Singapore appears twice. One schedule is “applicable to Singapore residential address users only” and the other to non-Singapore residential address users, and they are not cosmetic variants of each other.

The resident document states that “Limits are under MAS Payment Services Act 2019”. The non-resident document states that “Limits are not under MAS Payment Services Act 2019”. Same card, same city, different footing under Singapore's Payment Services Act 2019 — and, as the next section shows, a different foreign transaction fee on the entry tier. Europe does the same trick less visibly: the main European schedule covers residents of Europe, while a separate one covers Europe-issued cards held by residents of Brazil and select LATAM markets, in dollars.

The foreign transaction fee is nine different fees

This is the headline number in every review of the card, and it is the number that diverges most. Below is the fee on non-home-currency purchases and ATM withdrawals, by tier, across all nine schedules, as published on 11 October 2026. The mid-tier allowance structures on the UK and European schedules took effect on 1 October 2026 and are therefore live; the Singapore, Australian, Canadian and GCC ones took effect on 1 September 2026.

Three structures are hiding in one column. The United States charges a flat rate with no allowance, and it is the only schedule where the mid tiers get no relief at all. The UK and Europe charge a split rate — a near-nominal 0.2% inside the EU and UK, 2.0% beyond it. Everyone else sells an allowance: a monthly quantity of foreign spending at no charge, with a rate behind it. Australia is the outlier within that group, because the rate behind its allowance is 3.0% rather than 2.0%.

Note also what the top of the ladder does. Icy, Rose and Obsidian pay no foreign transaction fee on any of the nine schedules. The divergence is entirely a story about the cheaper tiers — which is to say, about the cardholders least able to absorb it. If you want the separate question of what exchange rate is applied once the fee is charged, we took that apart in crypto card exchange rates 2026; the fee and the rate are two different charges and only one of them is in these tables.

What the same month costs on the same tier

Percentages understate this, so here it is in money. One cardholder, one calendar month, 1,000 units of their own home currency spent outside their home region (and outside the EU and UK for the European and British schedules), nothing else. We hold the tier constant and change only the schedule.

On the Ruby tier the spread runs from $30.00 to nothing, and the cardholder paying the most is the one in the market with the strongest consumer-disclosure culture. On Midnight the spread is six-fold, from A$30.00 and $30.00 down to S$5.00. Nobody changed tier, nobody changed behaviour, and nobody made a mistake. They live in different places.

These are each schedule's own currency units deliberately. Converting them would fold today's exchange rate into a comparison of fee structures, and the structure is the durable finding.

Cash: the ladder and the schedules that break it

Every schedule gives a monthly quantity of free ATM withdrawal and charges 2% above it, and almost every one uses the same ladder: 200 / 400 / 800 / 1,000 / 1,000 in local units from Midnight to Obsidian. Two schedules quietly do not.

The UK ladder is 10% shorter at every rung, and the LATAM schedule copies the UK's numbers while denominating them in dollars. More consequential are the geographic conditions bolted onto the allowance, which are the kind of thing you discover at a cash machine:

• Singapore residents cannot withdraw cash in Singapore at all. The schedule says they “can withdraw cash overseas, however, they cannot withdraw cash within Singapore”. The non-resident document is the mirror image: withdrawals are “only available at local ATMs outside of Singapore”.
• In the GCC, the free allowance only exists for cards issued outside Bahrain. A Bahrain-issued card gets no free ATM quantity from that schedule.
• The US has no in-network ATM at all — Schedule A lists in-network withdrawal as “Not available” — and it combines domestic and foreign withdrawals when assessing the allowance, so a month of US cash machines eats the quantity you were saving for a trip.

The US also stacks. Schedule A charges 2% above the allowance and marks foreign ATM withdrawals “subject to Foreign Transaction Fee”, so a Jade Green or Ruby Steel holder pulling cash abroad over the limit pays 2% plus 3%, before the machine operator's own surcharge. Our crypto card ATM withdrawal fees guide compares that against eight other cards.

The fees nobody compares

Reviews compete on the foreign transaction fee because it is the one cardholders ask about. The fees below are the ones you meet when something goes wrong or you want out — and they are where the schedules diverge most wildly.

Replacing a lost entry-level card runs from A$4.01 in Australia to US$50 on the LATAM schedule — and within a single currency, the US schedule's $7 against LATAM's US$50 is a seven-fold gap for the same plastic. The UK, European and Singapore schedules all land on the oddly precise 45.01, while the US, GCC and Canadian ones charge $7, $7 and C$10. Above Midnight the picture inverts: Australia and Canada charge 70 where everyone else charges 50 to 55.

Closure is the row that would change a decision. The US agreement's Schedule A says there is no charge to close a card account. Six other schedules charge the equivalent of 50 or 55, Australia charges A$70 for anything above Midnight, and Canada publishes nothing. On the inactivity row five schedules rose in the space of a month — Singapore and Australia on 1 September 2026, the UK and Europe on 1 October — which we unpicked across nine issuers in crypto card inactivity fees 2026.

What your balance is allowed to be

The last divergence is a ceiling rather than a fee, and it is the one most likely to stop a transaction dead. The maximum balance these prepaid cards may hold ranges over five times across the nine schedules, in each schedule's own currency.

A GCC cardholder may hold US$6,500; a Canadian one C$35,000. Funding costs diverge too: topping up by credit card costs 2.99% in the US against 1% in the UK and Europe and 2% in Australia, while Singapore charges nothing at all for a debit top-up. The US schedule also prices PayPal at 2.1%. We rank those funding costs across the market in crypto card top-up fees 2026.

What a schedule leaves out is still a fee

Four of the cells in the tables above read “not published”, and they are not the same thing as “free”. Canada publishes no ATM allowance, no closure fee and no inactivity fee in its fees-and-limits schedule. The GCC schedule publishes no inactivity fee and no top-up fees. Those costs are either absent in those markets or documented somewhere the reader of the fee schedule will not find them, and the schedule does not say which.

That asymmetry generalises past this card. Judge a published fee table by what it omits relative to its siblings, not by whether the printed numbers look competitive: a comparison of eight schedules is also an audit of the ninth.

Only one of the nine is a contract

Eight of these schedules are help-centre articles. They carry a date at the top and no version number, no change log and no notice period, which means the figure you planned around can move without anything announcing that it did. The ninth is different: the United States is governed by the CRYPTO.COM Prepaid Visa Cardholder Agreement, a 32-page contract whose Schedule A is the fee table and which states its own effective date on page one.

The difference shows in what the document is willing to say. Only the US agreement explains how a conversion is actually performed: Visa converts the charge, using “either a government mandated exchange rate, or a wholesale exchange rate selected by Visa”, at a rate “in effect on the day the transaction is processed” rather than the day you tapped — and the foreign transaction fee is “in addition to the currency conversion rate”. The eight help pages contain no conversion clause at all. They tell you the percentage and nothing about the rate it is a percentage of.

One caveat. A published, dated schedule is evidence of the terms binding cards already issued in a market, not evidence that new applications are open there — and third-party reviews disagree about where this card can still be obtained. Treat the nine as a count of published fee regimes. Which markets accept a no-KYC alternative instead is a separate question we track in crypto card supported countries, and the tier economics of this particular programme are in our Crypto.com card review.

Before you spend abroad

Four things to do once, in about ten minutes, that are worth more than picking a tier:

1. Find your schedule by residential address and bookmark that one page. If you live in Singapore, Europe or Latin America, confirm which of the two candidates applies.
2. Write down the document's date. It is the only version marker you get on eight of the nine, so it is how you will notice a change.
3. Check whether your fee is a rate or an allowance — and if it is an allowance, that it resets on the calendar month. Two short trips either side of the first can cost nothing where one longer trip costs 2–3%.
4. Look up your closure and replacement fees now, while you are not in a hurry. They are the numbers you will need on the worst day, and in seven of nine markets leaving costs 50 or more.

Sources

• Crypto.com help centre, Card – Fees & Limits collection — the index listing nine schedules, read 11 October 2026.
• CRYPTO.COM Prepaid Visa Cardholder Agreement (US) — effective 1 September 2026; section 19 and Schedule A.
• Fees and limits, United Kingdom — dated 31 July 2026.
• Fees and limits, Europe (European residents) — dated 31 July 2026.
• Fees and limits, Europe (Brazil & select LATAM residents) — dated 31 July 2026; denominated in US dollars.
• Fees and limits, Singapore (resident) — dated 1 September 2026; MAS Payment Services Act 2019.
• Fees and limits, Singapore (non-resident) — dated 1 September 2026.
• Fees and limits, Canada — dated 31 July 2026.
• Fees and limits, Australia (incl. NZ residents) — dated 1 September 2026.
• Fees and limits, Bahrain & select GCC markets — the Mastercard schedule, dated 1 September 2026.
• Payment Services Act 2019 (Singapore Statutes Online) — the Act the two Singapore schedules disagree about.
• Fees and limits, United States — dated 1 September 2026; the page whose inactivity note still reads in the future tense.

Related Articles

• Crypto.com Debit Card Review 2026: Fees, Limits and No-KYC Alternatives
• Crypto Card Exchange Rates 2026: Two Conversions
• Crypto Card ATM Withdrawal Fees 2026: 9 Cards Compared
• Crypto Card Inactivity Fees 2026: The Quiet Drain
• Crypto Card Spending Limits 2026: The Real Numbers
• XKard vs Crypto.com: Which Card Wins?

Frequently Asked Questions

How many Crypto.com card fee schedules are there?

Nine, as listed in the help centre's Card Fees & Limits collection on 11 October 2026: the US, the UK, Europe for European residents, Europe for residents of Brazil and select LATAM markets, Singapore for residents, Singapore for non-residents, Canada, Australia including New Zealand residents holding Australia-issued cards, and Bahrain with select GCC markets. Eight cover a Visa; the GCC document covers a Mastercard. A separate US cardholder agreement sits behind the US schedule.

Why do Crypto.com card fees differ by country?

Each market is a separate programme with its own schedule, currency and, in one case, its own card network. The tier ladder is what the marketing talks about, but the address on the account moves more money: a Ruby card spending 1,000 units of home currency outside its home region in a month pays 3% in the US, 2.0% above a 400 allowance in the UK and EU, 3.0% above a 700 allowance in Australia, and nothing on the Singapore non-resident schedule.

Which Crypto.com schedule applies to me?

The one matching the residential address on your account — not your nationality, and not where you are travelling. Two of the nine are Singapore split by residence, and a third covers Europe-issued cards held in Brazil and select LATAM markets. The Singapore resident document says its limits sit under the MAS Payment Services Act 2019 and the non-resident one says they do not, and the two carry different foreign transaction fees and balance ceilings for the same tier.

What is the Crypto.com card foreign transaction fee in 2026?

On the entry Midnight tier: 3% in the US and Australia, 2% in Canada, the GCC and on the LATAM schedule, 0.2% within the EU and UK rising to 2.0% outside them on the British and European schedules, 2.0% for Singapore residents since 1 September 2026, and 0.5% on the Singapore non-resident schedule. Icy, Rose and Obsidian pay no foreign transaction fee on any of the nine. The fee is separate from the exchange rate applied to the conversion.

Does it cost money to close a Crypto.com card account?

In seven of the nine, yes. Schedule A of the US agreement lists no charge to close a card account. The UK, European and Singapore schedules each charge 50 in local currency, the GCC US$50 and the LATAM schedule US$55. Australia is the only one where closure depends on tier: A$10 on Midnight, A$70 above it. Canada publishes no closure fee at all, which is not the same as it being free.

Why does the same card cost a different amount to replace in each country?

Replacing a Midnight card runs from A$4.01 in Australia to US$50 on the LATAM schedule, and US$7 against US$50 within one currency — a seven-fold gap for the same plastic. The US and GCC schedules charge $7, Canada C$10, and the UK, European and Singapore ones an oddly precise 45.01 in their own currencies. Above Midnight it inverts: Australia and Canada charge 70 where the others charge 50 to 55. None of the documents explains why.

Is a published schedule proof the card is available in that country?

No. A dated schedule is evidence of the terms binding cards already issued in that market, not evidence that new applications are open there — a separate question these documents do not answer, and one third-party reviews disagree about. Read the count of nine as a count of published fee regimes rather than a list of markets you can join today.