COCA CardCOCANames the UK
$240Est. net value- Cashback
- 1-8%
- Realistic rate
- 1%
- Annual fee
- $0
- Type
- Debit
Best forSpending a stablecoin balance day to day
Watchfull identity verification required
A data-driven comparison of every crypto debit and credit card available to UK residents, ranked by estimated net annual value after fees. FCA rules, FSCS coverage, GBP funding, and HMRC Capital Gains Tax treatment are covered below.
On $2,000 a month of spending, COCA Card leads at roughly $240 a year net, with MetaMask Card next at about $240. Read the UK notes on each entry before applying: FCA financial-promotions rules limit or remove the headline rewards on several cards that advertise them elsewhere.
The UK is one of the largest crypto card markets outside the US, with cards from Crypto.com, Wirex, Nexo, Revolut, Gnosis Pay, MetaMask Card, Kraken, and others. UK rules differ from the EEA: the FCA financial-promotions regime for cryptoassets (in force since 8 October 2023) shapes how UK customers can be onboarded and rewarded, and the UK has its own Capital Gains Tax treatment under HMRC.
A note before the rankings: under FCA rules, firms cannot offer "incentives to invest" in qualifying cryptoassets to UK consumers. That is why some cards which look high-cashback elsewhere pay reduced or no rewards in the UK, including Nexo (no UK cashback) and Revolut (0% baseline on standard crypto spend). The list below is ranked by estimated net annual value after fees; UK-specific reward limitations are called out inline.
One notable newcomer: the MoonAgents Card by MoonPay launched in May 2026 in the UK as the first consumer card built for AI agent spending. It is a virtual Mastercard funded with USDC on Solana and runs no rewards program, so the FCA incentive rules above do not shape what it pays. Our agentic crypto cards guide explains how agent-authorised spending works.
Cryptoassets sit outside the UK compensation safety net. The FCA states that "Consumers should not expect to be compensated under the Financial Services Compensation Scheme if things go wrong" (FCA, Marketing cryptoassets to UK consumers). The same regime, in force since 8 October 2023, classifies qualifying cryptoassets as Restricted Mass Market Investments and bans incentives to invest alongside mandatory risk warnings, positive frictions, client categorisation, and appropriateness assessments (FCA PS23/6). Several card programmes responded by withdrawing UK rewards: the Nexo Card remains available to UK residents but has paid no cashback since October 2023.
Cards that name the UK in their own terms are listed first, then every card by estimated net annual value at $2,000 a month of spending, after fees, on the tier you get without staking or a paid upgrade. Where a card that names the UK sits above a globally-available card with a larger figure, its entry carries a Names the UK marker. Figures are in US dollars so cards can be compared across guides; the ranking spend of $2,000 a month is the same on every regional guide.
Net values here include a foreign exchange fee where a card bills in a different currency from the one this guide assumes you spend in, using the fee the provider discloses to cardholders; a card with no disclosed FX fee is counted without one.
One ranked card cannot currently be opened by new UK customers: MetaMask Card has paused new UK signups. It stays listed because MetaMask describes the pause as temporary.
Best forSpending a stablecoin balance day to day
Watchfull identity verification required
Best forSpending straight from a wallet you control
Best forSpending straight from a wallet you control
Watchcashback capped at about $50/mo; modelled as billing in USD, so local-currency spending pays 2% FX (counted in the net value); full identity verification required
Best forEveryday spending in UK/EEA
Best forSpending straight from a wallet you control
WatchThe UK is not named in this card's own terms, so availability and the rate are not confirmed there; cashback capped at about $100/mo; modelled as billing in USD, so local-currency spending pays 1% FX (counted in the net value); full identity verification required
Want the full list? Jump to the full comparison table.
The FCA's financial-promotions regime for cryptoassets (PS23/6) has been in force since 8 October 2023. Qualifying cryptoassets are classified as Restricted Mass Market Investments. In practice this means:
Separately, the FCA consulted on restricting retail consumers from using credit (including credit cards) to buy cryptoassets in CP25/40 chapter 5 (consultation closed 12 February 2026) and CP26/4 (closed 12 March 2026). In the final rules published on 30 June 2026, the FCA decided not to proceed with the restriction: most respondents argued the risks were overstated because credit providers already run creditworthiness assessments. There is therefore no UK ban on buying crypto with a credit card, although individual issuers may still block such purchases.
Looking ahead, the Financial Services and Markets Act 2000 (Cryptoassets) Regulations 2026 (SI 2026/102) were made on 4 February 2026. They create new regulated activities (custody, trading platforms, dealing, arranging deals, and arranging staking). The FCA published its final rules for the regime on 30 June 2026 across five policy statements (PS26/9 to PS26/13). The authorisation gateway opens on 30 September 2026 (application window closes 28 February 2027) and the full regime is expected to be in force on 25 October 2027. Several of the cards in the list above will need FCA authorisation to continue serving UK customers under the new regime.
The Financial Services Compensation Scheme does not cover cryptoassets. The FSCS makes this explicit: it cannot protect you if a platform that exchanges or holds cryptoassets fails. Being on the FCA's MLR-registered cryptoasset firms list also does not give you FSCS or Financial Ombudsman cover.
For cards backed by an e-money wallet, your fiat balance is protected by statutory safeguarding under the Electronic Money Regulations and Payment Services Regulations, not the FSCS deposit guarantee. The issuer must hold customer funds in a segregated account at an authorised credit institution or under an equivalent insurance arrangement. On insolvency, safeguarded funds are returned from the safeguarded asset pool, which may not return 100% and can be delayed. See the FCA's safeguarding requirements.
Using a crypto debit or credit card that converts crypto to fiat at point of sale is a disposal for Capital Gains Tax purposes. HMRC Cryptoassets Manual CRYPTO22100 lists "using tokens to pay for goods or services" as a disposal event alongside selling for money and exchanging for another token.
For 2026/27 (6 April 2026 to 5 April 2027), the CGT Annual Exempt Amount is £3,000 per individual. CGT rates on cryptoasset disposals are 18% for basic-rate taxpayers and 24% for higher and additional-rate taxpayers (rates rose from 10%/20% on 30 October 2024).
Worked example. A higher-rate taxpayer buys 0.1 BTC for £4,000 (s.104 pool cost). Over the tax year they spend it with a crypto debit card in many small transactions; the aggregate sterling value at the times of disposal is £6,500. Allowable cost £4,000, gain £2,500. That gain sits within the £3,000 Annual Exempt Amount, so no CGT is due. If the aggregate disposal value were £8,500 instead, the gain would be £4,500, of which £1,500 falls into the chargeable amount and is taxed at 24% (£360). Pool and gain calculations must be done in sterling per HMRC CRYPTO22150 and CRYPTO22200.
Cashback and staking rewards. HMRC has published no specific guidance on crypto card cashback. Practitioners commonly treat plain spend-cashback as a non-taxable rebate by analogy to fiat cashback, but this is unconfirmed and you should keep records and consider professional advice. Rewards that require active staking are clearer: CRYPTO21200 treats them as miscellaneous income at sterling value on receipt, and the sterling value at receipt then becomes the acquisition cost for any later CGT disposal.
CARF reporting. The Cryptoasset Reporting Framework took effect on 1 January 2026 (SI 2025/744). UK Reporting Cryptoasset Service Providers must collect customer identity and transaction data for the 2026 calendar year and report it to HMRC between 1 January and 31 May 2027. This is information reporting, not a new tax. Practical takeaway: keep accurate records of every disposal made through your crypto card, including the sterling value at the time of the disposal.
HMRC has not issued specific guidance on crypto card cashback. Practitioners commonly treat plain spend-cashback as a non-taxable rebate by analogy with fiat cashback, but this is unconfirmed. Cards that require staking to earn rewards are a clearer case: HMRC treats staking rewards as miscellaneous income at sterling value on receipt (Cryptoassets Manual CRYPTO21200). Keep accurate records and consider professional tax advice for material amounts.
Yes. The FCA consulted on restricting retail consumers from using credit (including credit cards) to buy cryptoassets in CP25/40 (chapter 5) and CP26/4, but decided not to proceed with the restriction in its final rules for the new cryptoasset regime, published 30 June 2026. Most respondents argued the risks were overstated because lenders already apply creditworthiness rules. Your card issuer may still impose its own restrictions independently of the FCA.
No. The Financial Services Compensation Scheme does not cover cryptoassets. Where a card holds your balance in an e-money wallet, those funds are protected by statutory safeguarding under the Electronic Money Regulations and Payment Services Regulations, which is not the FSCS guarantee and may not return 100% on the issuer's insolvency. The underlying crypto remains unprotected.
Spending crypto from a debit or credit card that converts crypto to fiat at point of sale is a disposal for Capital Gains Tax purposes (HMRC Cryptoassets Manual CRYPTO22100). You must report disposals where gains exceed the £3,000 Annual Exempt Amount for 2026/27. Separately, from 1 January 2026, UK-based Reporting Cryptoasset Service Providers collect identity and transaction data under the Cryptoasset Reporting Framework and report it to HMRC from 2027; this is information reporting, not a new tax.
Funding methods differ by card and are listed on each card detail page. For fiat-funded cards, Faster Payments bank transfer is the usual GBP rail, and some cards also accept a debit-card top-up. SEPA is EUR-only and is not used for GBP. For a self-custodial stablecoin card such as Gnosis Pay, Monerium GBPe is a GBP-pegged e-money token on Gnosis Chain, but Monerium offers no GBP bank account, so GBPe is obtained by swapping on-chain rather than by bank transfer.
Every active crypto card available to UK residents, side by side. Cards explicitly naming the UK are listed first, then sorted by estimated net annual value.
| Card | Cashback | Annual Fee | Type | Region |
|---|---|---|---|---|
| COCA Card | 1-8% | $0 | Debit | Europe/UK, Asia, Oceania, UAE, Africa, LATAM (NOT US/Canada) |
| MetaMask Card | 1-3% mUSD | $0-$199/yr | Debit | US (49 states)/EU/UK/LATAM/Canada |
| Solid Card | 3-5% USDC | $0 | Credit | 105 countries (30+ US states) |
| 1inch Card | Up to 2% | $0 | Debit | UK/EEA |
| Ether.fi Cash | 3-4% ETHFI | $0 | Credit | US (30 states + DC)/EU/UK/HK/UAE/Singapore/LATAM + more |
| Curve Card | 1% at chosen retailers (paid plans, fiat only) | £0-€179.90 | Aggregator | UK/EU |
| Gnosis Pay | 0% (GNO cashback ended 30 Sep 2026) | €30 one-time | Debit | EU/UK/LATAM |
| Uphold Card | 1-4% XRP/GBP | $0-$99.99/yr | Debit | UK + US |
| Plutus Card (flagged) | 3-9% PLU/PLUS Points | £6.99-£19.99/mo | Debit | UK/EEA |
| SwissBorg Card | Up to 90% of fees in BORG | $0 | Debit | 30+ regions (EEA/UK/Switzerland) |
| Baanx / Ledger CL Card | 1-2% | $0 | Debit | US/UK/EU/LATAM/Canada |
| Tap Global Card | 0.5-8% | $0 | Debit | UK/EU/EEA |
| Avici Card | 0% | $0-75 | Credit | Americas/APAC/Africa (30 US states) |
| Spritz Card | 0% base (5% travel & dining) | $0 | Debit | 31 countries |
| Bitget Wallet Card | 2-3% assetback | $0 | Debit | EU/UK/LATAM/APAC/Africa |
| Nexo Card | 0.5-2% NEXO | $0 | Debit | EEA/UK/Switzerland/Argentina |
| Exa Card | 0% | $0 | Credit | 160+ countries |
| Krak Card | Up to 2% | $0 | Debit | UK + EEA |
| MoonAgents Card | 0% | $0 | Debit | UK/LATAM |
| PEXX Card | None | $0 | Debit | EEA, UK, Switzerland and their overseas territories |
| Solayer Pay (formerly Emerald Card) | 0% (Points only) | $20/year membership | Debit | Restricted list (87 countries excluded) |
| Jupiter Global Card | 2-4% USDC | $0 | Debit | Global |
| Lava Card | 1-5% BTC | $0 | Credit | Global (US focus) |
| Plasma One Card | 2-10% XPL | $0-$199/yr or XPL lock | Debit | 150+ countries (NOT US) |
| Revolut Crypto Card | 0-1% on crypto spend | $0-$16.99/mo | Debit | 48+ countries (NOT US) |
| Floki Card | 0% | €10-€32 one-time | Debit | 31 European (physical) / worldwide (virtual) |
| KAST Card (flagged) | 1.5-3% USD (+ KAST Points) | $0-$10,000/yr | Debit | 170+ countries |
| Pengu Card | 1.5-3% USD | $0-$10,000/yr | Debit | 170+ countries |
| Tangem Pay | 1-2% USDC | $0 (wallet $69.90) | Debit | 150+ countries |
| Wirex Card | 0.5-8% USD | $0 | Debit | 150+ countries |
| LBank Card | 0.8-2% (10% coffee) | $0 | Debit | Global (excl. US, Canada + ~30 countries) |
| Pionex Card | 0.1-1% USDT | $0 | Debit | Global (NOT US/China) |
| Cashi Card | 1-3% | $0 | Debit | 100+ countries (NOT US) |
| Oobit Card | Up to 10% | $0 | Debit | Global (most countries, 22 exclusions) |
| Payy Card | 0% | $0 | Debit | Global |
| Peanut Card | 0% | $0 | Credit | Global (excl. 17 countries) |
| SafePal Card | 0% (2-3% travel promos only) | $0 | Debit | Global (NOT US) |
| BYDFi Card | 0% | $12/yr | Debit | Global (excl. US/China/Russia) |
| XPlace Card | 0.5-2% USDC (Credit Mode) + XP | $0-$999/yr (Silver $99) | Credit | Global excl. 17 countries + 16 US states |
| Bing Card (flagged) | 0% | $0 | Debit | Global (NOT US) |
| CoinW Card | 0% | Variable | Debit | Global |
| Crypto.com Visa Card | 0-4.5% CRO | $0 (subscription $4.99-$29.99/mo) | Debit | 90+ countries |
| dtcpay Digital Treasures Card | 0% | $0 | Debit | Singapore (Global acceptance) |
| Fiat24 Debit Card | None | $0 | Debit | Global (US, Iran, North Korea and Russia excluded) |
| Fizen Card | 0% (FiPoints) | $0 ($1.50/month if monthly spend is under $500) | Debit | Global excluding 42 countries (SEA focus: Vietnam/Philippines QR Pay) |
| GoMining Card | TBD | $0 | Debit | 130+ countries (excl. sanctioned) |
| Karma Card | Points-based | $0 | Debit | Global (excludes sanctioned countries; Kosovo excluded for cards) |
| Kripicard (flagged) | None | $0 | Debit | 170+ countries |
| Rain Card | 0% | $0 | Debit | 220+ countries (partner-dependent) |
| Sovrae Card (flagged) | None | $0 (one-time $89 virtual / $249 physical) | Debit | Global (excl. sanctioned countries) |
| THORWallet Mastercard | 0-0.5% USDC | $0 (one-time ETH fee) | Debit | 175+ countries (incl. US) |
| UPay Card | None | $0 | Debit | 168 countries |
| Wayex Card | 0% | $0 | Debit | 160+ countries (28 for card) |
| xKard (flagged) | 0% | $0 (subscription $9-$49/mo) | Debit | Global (excl. US + sanctioned) |
| Rizon Card | 0-5% by tier | $0 | Debit | 122+ countries (US/LATAM focus) |
| OffGrid Cash (flagged) | 0% | $49-$299/yr (mandatory tier subscription) | Debit | Global |
| Kolo Card | 1% BTC + 2% welcome | $0 | Debit | 60+ countries |
| Kem Infinity Card | 2-5% XAUT | $0 | Debit | 100+ countries, Middle East focus |
| DPT Card | 0% | $0-$10,000/yr | Debit | Global (excl. US citizens + 17 countries) |
| Wallbit Card | None | $0 (card); optional Pro $9/mo or Max $19/mo account plans | Debit | LATAM-focused US dollar account; card usable in 180+ countries |
| RedotPay | 0% | $10 virtual / $100 physical | Debit | 100+ countries |
| BenPay Card | 0% | $0 UnionPay (promotional) / $2 per month Mastercard | Debit | Global (200+ countries) |
| Pinto Pay (flagged) | None | $0 | Debit | Global (NOT US) |
| Tevau Card | Points (Lucky Box) | $0 | Debit | 200+ countries |
| Keytom Card (flagged) | None | $10/mo (per card; $20/mo with both virtual and physical active) | Debit | 150+ countries |
| Tria Card | 1.5-6% USDT | $0 / $109 / $250 per year | Debit | 150+ countries |
| Based Card | 0-4% $BASED | $0 (card requires a $BASED lockup) | Debit | Global excl. US, Canada, Australia, Singapore + ~90 more |
| Cryptomus Card | 0% | $4 issuance + 3.2% top-up | Debit | Global |
| Goblin Card (flagged) | None | $0 ($350 one-time for a physical Mastercard plus a virtual Visa) | Debit | Worldwide |
| E Money Card | 0% | $99 one-time | Credit | 187 countries (NOT US/Canada) |
| Kardpay (flagged) | 1-2% ($KDY staking) | $0 (one-time card fee $29-$299 by product) | Debit | Global (180+ countries claimed) |
| Freedomia Card (flagged) | None | $60/yr ($5/mo Founder tier) | Debit | Global |
| SolCard (flagged) | 0% | $0 | Debit | Global (150M+ merchants) |
| Zypto Card | ZYP token rewards | $0/mo, $0.30/tx | Debit | Global |
| Agora Card (flagged) | None | $0 ($90 virtual or $500 physical, one-time) | Debit | Global excluding sanctioned and high-risk jurisdictions |
| Trocador Prepaid Cards (flagged) | None | $0 (about $2.50/month per card from month 3 on international Mastercard) | Aggregator | Global (incl. US) |
| MaxSwap Virtual Card (flagged) | None | $0 | Debit | Global (excl. sanctioned states; US unconfirmed) |
| Laso Finance Card (flagged) | None | $0 | Debit | Global (~189 countries, incl. US) |
| Xapo Card | 0.2-1% BTC | $1,000/yr | Debit | 110+ countries |