CoinSpot Mastercard Review (2026)

The CoinSpot Mastercard is a Mastercard debit card with a AUD 0 annual fee, available in Australia.

Reviewed by Card Pilled Editorial · Last verified 2026-11-08

Key Facts

Cashback
0%
Annual Fee
AUD 0
Region
Australia
Type
Debit
Network
Mastercard
KYC
full
Mobile Pay
Apple Pay, Google Pay

Overview

The CoinSpot Mastercard is a crypto debit card offered by CoinSpot (Casey Block Services), available in Australia. The annual fee starts at AUD 0. It runs on the Mastercard network and requires full identity verification.

Cashback Tiers

CoinSpot Mastercard cashback tiers and requirements
TierRateRequirement
Standard0%No rewards programme is advertised for the card

Pros

Cons

Fees & Costs

Conversion Fee
~1% (2022 launch coverage, not on an official page)

Limits & Top-Up

Top-Up Assets
460+ cryptocurrencies listed on CoinSpot
Top-Up Methods
Crypto balance held on CoinSpot

Who's behind this card

Issuing bank
EML Payment Solutions Limited

Cost & Returns

On $500/mo spend, the estimated monthly cost breakdown for CoinSpot Mastercard is: gas $0.00, conversion spread $7.50, flat transaction fees $0.00, and amortised card/tier fee $0.00, for a total drag of 1.5% of spend. After $0.00/mo cashback that is still a net cost of about $7.50/mo ($90.00/yr). CoinSpot Mastercard tops up from a centralized balance, so there is no on-chain gas cost regardless of how often you reload. Figures are conservative estimates and vary with conditions.

Note: Prepaid, reloadable Mastercard issued by EML Payment Solutions Limited (AFSL 404131) and distributed by Casey Block Services Pty Ltd, trading as CoinSpot (AFSL 562554), live since October 2022. Spends any of 460+ cryptocurrencies held on CoinSpot, drawing on up to five linked wallets in the order the holder sets; supports Apple Pay and Google Pay. CoinSpot advertises no startup or annual fees. GAPS: no official page states the conversion or foreign-transaction fee; 2022 launch coverage (savings.com.au) reported crypto converted to AUD at 1% at the moment of the transaction, matching CoinSpot's 1% instant buy/sell fee, but this is not confirmed for the card today. Third-party reviews describe the card as digital only with no ATM access; CoinSpot's card page does not say whether a physical card is issued. Australian residency is implied by the AFSL issuer and CoinSpot's market rather than stated on the card page.

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FAQ

What is the CoinSpot Mastercard?

The CoinSpot Mastercard is a crypto debit card offered by CoinSpot (Casey Block Services). It is available in Australia and allows users to spend cryptocurrency at merchants worldwide.

What are the fees for the CoinSpot Mastercard?

The CoinSpot Mastercard has an annual fee of AUD 0. Additional fees: Conversion fee: ~1% (2022 launch coverage, not on an official page).

How do you top up the CoinSpot Mastercard?

Supported assets include 460+ cryptocurrencies listed on CoinSpot; top-up methods include Crypto balance held on CoinSpot.

Does the CoinSpot Mastercard require KYC?

Yes. The CoinSpot Mastercard requires full identity verification (KYC): expect to submit a government-issued ID, and often proof of address, before the card is issued.

Which countries is the CoinSpot Mastercard available in?

The CoinSpot Mastercard is available in Australia.

Is the CoinSpot Mastercard a credit or debit card?

The CoinSpot Mastercard is a debit card. You need to load cryptocurrency onto the card before making purchases.

Does the CoinSpot Mastercard support Apple Pay or Google Pay?

Yes, the CoinSpot Mastercard supports Apple Pay and Google Pay for contactless payments.

Who issues the CoinSpot Mastercard?

The CoinSpot Mastercard is issued by EML Payment Solutions Limited.

Visit CoinSpot (Casey Block Services)

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