The Young Platform Card earns 0.1-3.6% YNG cashback on a Visa debit card with no annual fee, available in EU.
The Young Platform Card is a crypto debit card offered by Young Platform, available in EU. It offers 0.1-3.6% YNG cashback across 5 reward tiers, with higher rates unlocked by staking the provider's native token. There is no annual fee to hold this card.
Best suited for the provider's native token holders willing to stake for higher rewards. It runs on the Visa network and requires full identity verification.
New to crypto cards? Read our complete buyer's guide to understand fees, rewards, and how to choose. Concerned about privacy? See our KYC vs non-KYC comparison. Compare more options in our best crypto cards in Europe guide. See where it ranks among the best crypto debit cards.
| Tier | Rate | Requirement |
|---|---|---|
| Essential | 0.1% | No YNG tokens locked (free tier) |
| Bronze | 0.3% | Lock roughly 1,500-1,900 YNG for 90+ days (Bronze Club); amount is repriced monthly against YNG's market value to hold the EUR cost steady |
| Silver | 0.9% | Lock roughly 6,200 YNG for 90+ days (Silver Club); amount repriced monthly against YNG's market value |
| Gold | 1.8% | Lock roughly 12,400 YNG for 90+ days (Gold Club); amount repriced monthly against YNG's market value |
| Platinum | 3.6% | Lock roughly 25,000-31,000 YNG for 90+ days (Platinum Club); amount repriced monthly against YNG's market value |
The IBAN lives on the Conto Young payment account (issued by TPPay) that the card debits. Italy-resident adults with an Italian tax code only. TPPay's documents currently show both S.r.l. and S.p.A. legal forms (same registration 12511320967); the newer information sheets say S.p.A.
Compare IBAN and transfer capability across cards in our crypto cards with IBAN guide.
On $500/mo spend, the estimated monthly cost breakdown for Young Platform Card is: gas $0.00, conversion spread $7.50, flat/FX fees $0.00, and amortised card/tier fee $0.00, for a total drag of 1.5% of spend. After $1.00/mo cashback that is still a net cost of about $6.50/mo ($78.00/yr). Young Platform 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: First crypto debit card designed within the EU's MiCA framework. Cashback paid in YNG utility token. Free issuance, no monthly fee for EUR purchases. ATM withdrawal €0.99 (min €20). Spends crypto balance with automatic conversion to EUR at market rate. Part of Young Platform's crypto-native neobank. Club tier requires locking YNG tokens for minimum 90 days. Club rates are 0.1% Essential, 0.3% Bronze, 0.9% Silver, 1.8% Gold, 3.6% Platinum. Since February 4, 2025 the YNG amount required for each Club is repriced monthly so the EUR-equivalent cost stays stable: if YNG falls the token count rises proportionally, if YNG rises it falls (dampened by a discount factor). Members who joined before that date keep their original terms unless they cancel and rejoin. Published token counts have ranged from about 1,500 to 1,865 YNG (Bronze) up to about 25,000 to 31,088 YNG (Platinum) depending on when they were quoted, so treat any fixed figure as a snapshot and check the app. 'MiCA-compliant' is the provider's marketing claim — formal CASP authorization was still pending with CONSOB/Banca d'Italia as of mid-2026.
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The Young Platform Card is a crypto debit card offered by Young Platform. It is available in EU and allows users to spend cryptocurrency at merchants worldwide.
The Young Platform Card offers 0.1-3.6% YNG cashback. There are 5 tiers: Essential (0.1%), Bronze (0.3%), Silver (0.9%), Gold (1.8%), Platinum (3.6%).
The Young Platform Card has an annual fee of $0. Note: First crypto debit card designed within the EU's MiCA framework. Cashback paid in YNG utility token. Free issuance, no monthly fee for EUR purchases. ATM withdrawal €0.99 (min €20). Spends crypto balance with automatic conversion to EUR at market rate. Part of Young Platform's crypto-native neobank. Club tier requires locking YNG tokens for minimum 90 days. Club rates are 0.1% Essential, 0.3% Bronze, 0.9% Silver, 1.8% Gold, 3.6% Platinum. Since February 4, 2025 the YNG amount required for each Club is repriced monthly so the EUR-equivalent cost stays stable: if YNG falls the token count rises proportionally, if YNG rises it falls (dampened by a discount factor). Members who joined before that date keep their original terms unless they cancel and rejoin. Published token counts have ranged from about 1,500 to 1,865 YNG (Bronze) up to about 25,000 to 31,088 YNG (Platinum) depending on when they were quoted, so treat any fixed figure as a snapshot and check the app. 'MiCA-compliant' is the provider's marketing claim — formal CASP authorization was still pending with CONSOB/Banca d'Italia as of mid-2026.
The Young Platform Card has the following limits: daily spending limit: EUR 5,000; monthly spending limit: EUR 5,000; daily ATM withdrawal limit: EUR 250 (EUR 1,000/mo). Limits can vary by account tier and verification level.
Yes. The Young Platform Card requires full identity verification (KYC): expect to submit a government-issued ID, and often proof of address, before the card is issued.
The Young Platform Card is available in EU.
The Young Platform Card is a debit card. You need to load cryptocurrency onto the card before making purchases.
Yes, the Young Platform Card requires staking the provider's native token to unlock higher cashback tiers. The card has 5 reward tiers: Essential (0.1%, requires No YNG tokens locked (free tier)); Bronze (0.3%, requires Lock roughly 1,500-1,900 YNG for 90+ days (Bronze Club); amount is repriced monthly against YNG's market value to hold the EUR cost steady); Silver (0.9%, requires Lock roughly 6,200 YNG for 90+ days (Silver Club); amount repriced monthly against YNG's market value); Gold (1.8%, requires Lock roughly 12,400 YNG for 90+ days (Gold Club); amount repriced monthly against YNG's market value); Platinum (3.6%, requires Lock roughly 25,000-31,000 YNG for 90+ days (Platinum Club); amount repriced monthly against YNG's market value). Higher staking amounts yield better reward rates, but consider the opportunity cost of locking tokens.
The Young Platform Card is issued by TPPay S.p.A.. Licences: EMI (IMEL, register no. 27) (Banca d'Italia, Italy).
Yes, the Young Platform platform provides a personal IBAN in the user's name. Capabilities: receiving third-party transfers: yes; sending transfers to third parties: yes; transfer limits: Incoming SEPA: no limit; outgoing SEPA: EUR 10,000 per transaction. The IBAN lives on the Conto Young payment account (issued by TPPay) that the card debits. Italy-resident adults with an Italian tax code only. TPPay's documents currently show both S.r.l. and S.p.A. legal forms (same registration 12511320967); the newer information sheets say S.p.A.
Euro balances on the Young payment account are deposited by TPPay with unnamed leading Italian credit institutions; the account is not a bank current account.
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