The Keytom Card is a Visa debit card with a $10/mo (per card; $20/mo with both virtual and physical active) fee, available in 150+ countries.
Keytom is a USDC-funded card and account platform operated by KEYTOM SERVICES LTD (registered as a Money Services Business with Canada's FINTRAC, MSB reg. nr M21788474) together with Keytom Solutions s.r.o., a VASP-registered entity in the Czech Republic. Keytom does not name a bank, EMI, or BIN sponsor for the card or its EUR IBAN anywhere in its public documentation.
The Keytom Card is a crypto debit card offered by Keytom, available in 150+ countries. The annual fee starts at $10/mo (per card; $20/mo with both virtual and physical active). It runs on the Visa network and requires full identity verification.
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| Tier | Rate | Requirement |
|---|---|---|
| No Cashback | 0% | No cashback or rewards programme published on the card, personal, or business pages |
EUR IBAN issued in the UK, in the user's own name; salary and other third-party payments confirmed supported, and SEPA/SEPA Instant out is priced at 1% + EUR 0.25 (min EUR 2.75). SEPA in is 0.5% + EUR 0.25 (min EUR 2.75). Personal direct-debit support and transfer limits are not published. Keytom's own terms and conditions hedge the named-account marketing, stating fiat funds 'may be held in segregated or pooled accounts, depending on the safeguarding model,' so the underlying safeguarding for an individual account is not guaranteed to be segregated.
Compare IBAN and transfer capability across cards in our crypto cards with IBAN guide.
On $500/mo spend, the estimated monthly cost breakdown for Keytom Card is: gas $0.00, conversion spread $7.50, flat/FX fees $0.00, and amortised card/tier fee $10.00, for a total drag of 3.5% of spend. After $0.00/mo cashback that is still a net cost of about $17.50/mo ($210.00/yr). Keytom Card 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: USDC-funded Visa card; balance spends via Visa, ATM, or a EUR account. No cashback, rewards, or tiers. Apple Pay is not available; Google Pay and PayPal are supported. The site states the card BIN is classified as credit for merchant purposes (needed to use it for rentals such as cars) but explicitly does not extend loans or a credit line. The $10/mo (per card) fee is only charged while the card balance can cover it; if the balance is insufficient the card simply freezes rather than going into debt. USDT is not supported, which Keytom attributes to MiCA. Regions are contradictory across Keytom's own properties: the main site markets to residents of 150+ countries with an EU reverse-solicitation footer ('KEYTOM does not actively market or promote crypto-asset services within the European Union'), while the keytom.cards microsite carries a notice restricting all card issuance and distribution to residents of Hong Kong. Neither the issuing bank nor the EUR IBAN's banking partner is named.
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The Keytom Card is a crypto debit card offered by Keytom. It is available in 150+ countries and allows users to spend cryptocurrency at merchants worldwide.
The Keytom Card has an annual fee of $10/mo (per card; $20/mo with both virtual and physical active). Additional fees: Conversion fee: 1.5% EUR to crypto (0.25-1% crypto to crypto); FX fee: 1% USD payments / 2.35% other currencies (min $0.66); ATM: 2% USD / 3.35% other currencies (min $0.66), plus ATM-operator fees; Inactivity: Chargeable per T&C (amount not published; 'Fee Schedule' not public).
The Keytom Card has the following limits: monthly spending limit: No fixed monthly cap on card spend; per-transaction soft limit ~$150,000; daily ATM withdrawal limit: $3,000/day, $10,000/month, $100,000/year. Limits can vary by account tier and verification level.
Supported assets include USDC, BTC, ETH, SOL, XRP, TON, BNB, ADA, AVAX, BCH, LTC; top-up methods include Visa Direct card load, USDC deposit, EUR/crypto conversion to USDC.
Yes. The Keytom Card requires full identity verification (KYC): expect to submit a government-issued ID, and often proof of address, before the card is issued.
The Keytom Card is available in 150+ countries.
The Keytom Card is a debit card. You need to load cryptocurrency onto the card before making purchases.
Yes, the Keytom Card supports Google Pay for contactless payments.
Yes, the Keytom platform provides a personal IBAN in the user's name. Capabilities: receiving third-party transfers: yes; sending transfers to third parties: yes. EUR IBAN issued in the UK, in the user's own name; salary and other third-party payments confirmed supported, and SEPA/SEPA Instant out is priced at 1% + EUR 0.25 (min EUR 2.75). SEPA in is 0.5% + EUR 0.25 (min EUR 2.75). Personal direct-debit support and transfer limits are not published. Keytom's own terms and conditions hedge the named-account marketing, stating fiat funds 'may be held in segregated or pooled accounts, depending on the safeguarding model,' so the underlying safeguarding for an individual account is not guaranteed to be segregated.
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