Who issues the Crypto.com card in the EU, and what protects your money?

Who issues the Crypto.com card and who regulates them?

The Crypto.com Visa Card is issued by Foris DAX MT Limited, incorporated in Malta and regulated by the Malta Financial Services Authority (MFSA). Authorised by the MFSA as a Financial Institution permitted to issue electronic money under the Third Schedule to the Financial Institutions Act (Chapter 376, Laws of Malta).

The card runs on the Visa network, with Foris MT Limited (Visa Principal Member, Issuing) as the issuing principal. Crypto.com itself acts as the programme manager and distribution channel: it builds the app, runs the crypto-to-euro conversion and sets the rewards, while the regulated issuing of electronic money sits with the EMI named above. You can confirm the issuer independently in the EBA EUCLID register.

Is the Crypto.com card available to EEA residents right now?

Available to verified Crypto.com users across the EEA.

What protects your money on the Crypto.com card?

The fiat balance behind the Crypto.com card is held by Foris DAX MT Limited, the issuing Electronic Money Institution, not by the crypto brand. Under Article 7 of Directive 2009/110/EC the issuer must safeguard that balance, either by segregating it in a separate account at a credit institution, or by holding an equivalent insurance policy or guarantee.

EMI safeguarding is not the same as bank deposit insurance. The EUR 100,000 Deposit Guarantee Scheme that covers bank deposits does not apply to an e-money balance. If you want to confirm the issuer is authorised, search its name in the EBA EUCLID register. We explain the difference in full on EMI vs bank protection.

Does spending crypto on the Crypto.com card trigger tax?

Spending crypto on the Crypto.com card is, in most EU member states, a disposal of the crypto-asset at the moment of the transaction. That can trigger a capital-gains calculation against your cost basis, even for small everyday payments, because the card converts crypto to euro at the point of sale.

From 1 January 2026 the DAC8 directive (Directive (EU) 2023/2226) obliges crypto-asset service providers to report transactions to tax authorities, so your card spending becomes visible to your tax office automatically. The practical takeaway is record-keeping, covered on crypto card vs regular debit card.

Fees and rewards for the Crypto.com card

These are the Crypto.com card's published commercial terms. Every figure below shows where it came from: hover or tap the question mark to read the issuer's exact wording and open the source document. A "two-source verified" figure was confirmed in two independent issuer documents; "stated by issuer" means we found it in one. Anything we could not confirm, or where the issuer's own documents disagreed, reads "Not confirmed".

Fee data last checked 2026-06-29. Figures are the issuer's own published terms; confirm current terms before relying on them.

What else does The Crypto Register track for Crypto.com?

Crypto.com appears in more than one of our registers. The card is only one of the regulatory roles a crypto brand can hold. Each role is licensed separately, by a different authorisation and often a different legal entity.

• Crypto.com MiCA (spot) status - whether the brand's spot crypto business holds a MiCA authorisation, and from which regulator.
• Crypto.com MiFID II (derivatives) status - whether the brand can legally offer crypto derivatives in the EEA under MiFID II.