Of the 15 crypto cards we have researched against official terms and regulator registers, where published, 8 give you a personal IBAN, and only 5 cards (Revolut Crypto Card, Trade Republic Card, Krak Card, Wirex Card, and Young Platform Card) support both receiving money from other people and sending transfers out to third parties. Only Revolut Crypto Card and Trade Republic Card put that IBAN on a real bank account, where balances in the EEA carry statutory deposit insurance (typically EUR 100,000). Even there the cover has gaps: Revolut's UK accounts are e-money with no FSCS cover and Trade Republic holds some balances in partner-bank omnibus trust accounts, where you carry the trust bank's insolvency risk. Every other card IBAN is an e-money or virtual arrangement. That set covers the 15 cards whose banking terms we have researched so far, out of the 131 active cards we track. The details, and the catches, are below.
| Card | Personal IBAN | Receives third-party transfers | Sends to third parties | Transfer limits | Issuer | Catch |
|---|---|---|---|---|---|---|
| Revolut Crypto Card | Yes | Yes | Yes | Not published | Revolut Bank UAB (EEA); Revolut Ltd (UK) | The IBAN is on the Revolut current account the card spends from. |
| Trade Republic Card | Yes | Yes | Yes | Not published | Trade Republic Bank GmbH | Scope depends on market: full payment accounts with local IBANs (e.g. Netherlands and Portugal via local branches) support third-party... |
| Crypto.com Visa Card | Yes | No | Not confirmed | SEPA in: up to EUR 1,000,000 per transfer; SEPA out: EUR 100,000/day, EUR 500,000/mo (EUR 1 fee per withdrawal) | Foris MT Limited (Malta, C90348) | The personal transfer details belong to the separate Crypto.com EUR Account (residents of 31 listed European countries), not to the card... |
| Krak Card | Yes | Yes | Yes | Not published | UAB Monavate (EEA); Monavate Ltd (UK) | The IBAN lives in the Krak app (EUR IBAN, GBP account number), not on the Monavate-issued card. |
| Nexo Card | Yes | Not confirmed | Not confirmed | Not published | DiPocket UAB (Lithuania) | Personal EUR/GBP/USD accounts are held in the client's name on the Nexo platform, separate from the DiPocket-issued card; the institution... |
| SwissBorg Card | Yes | No | No | Cumulative by KYC level: Level 1 EUR 5,000 in/out; Level 2 EUR 50,000 in, EUR 1,000,000 out; Level 3 unlimited | UAB Monavate | The unique per-user IBAN (user as beneficiary) is a virtual IBAN over an account legally held by SwissBorg, on the platform fiat wallet... |
| Wirex Card | Yes | Yes | Yes | EUR 50,000/day (SEPA); GBP 50,000/day (Faster Payments) | Transact Payments Malta Limited (EEA); Wirex Limited, FRN 902025 (UK) | Virtual IBANs are issued by unnamed third-party providers, not Wirex. |
| Young Platform Card | Yes | Yes | Yes | Incoming SEPA: no limit; outgoing SEPA: EUR 10,000 per transaction | TPPay S.p.A. | The IBAN lives on the Conto Young payment account (issued by TPPay) that the card debits. |
Researched with the same rigour, these cards either have no IBAN at all or their providers do not confirm one in the user's own name. "Not confirmed" means exactly that: the official documents are silent or contradictory, so we do not guess.
| Card | Personal IBAN | Why |
|---|---|---|
| Bit2Me Card | Not confirmed | The e-money account behind the card (issued by Pecunia Cards, trading as Pecunpay) has a contractual IBAN, but Bit2Me only surfaces its own... |
| Bitget Wallet Card | No | No EEA/UK cardholder agreement is publicly available, and Bitget's own documents conflict on the issuer (Immersve/Mastercard on Bitget... |
| Bybit Card | Not confirmed | EEA card services moved to the separately regulated Bybit EU platform (bybit.eu); the current Bybit EU Card terms could not be retrieved to... |
| Gate Card | Not confirmed | The issuer's Gate-specific terms define the account as a card ledger with no IBAN, while its general terms describe IBAN-numbered accounts... |
| OKX Card | Not confirmed | The card has no IBAN; an IBAN appears in OKX's EUR SEPA deposit flow but is not stated to be in the user's name. |
| Uphold Card | Not confirmed | Some users are assigned a virtual IBAN on the Uphold e-money account; others deposit to a pooled account with a reference code. |
| WhiteBIT Nova Card | No | EUR SEPA deposit IBANs are held by payment providers, not the user, and third-party deposits are returned; withdrawals go only to the... |
Usually not, and this is the single most common misunderstanding. Most exchange-run cards accept deposits only from a bank account in your own name and will reject or return anything else, including salary payments and transfers from family. In our researched set, only the same 5 cards listed above accept third-party payments into the IBAN. If receiving a salary is the goal, look for cards backed by an actual bank or a full payment account rather than an exchange deposit rail.
Sending money out to someone else is just as narrow: the same 5 cards support third-party sends over SEPA. Faster Payments and some markets stay first-party only (Wirex rejects third-party GBP payments, and Trade Republic accounts in Belgium, Ireland, and Luxembourg cannot initiate payments at all). Everywhere else, withdrawals go only to a bank account you own and have verified, which makes those cards spending tools rather than bank account replacements.
The company on the card is rarely the company behind it. Every card above is issued by a regulated entity (an e-money institution, payment institution, or bank) whose licence you can check on the regulator's register; our card pages link each register entry. Concentration is real: 3 of the cards we researched share a single issuing entity, UAB Monavate. The Bank of Lithuania fined UAB Monavate EUR 270,000 with a warning in November 2025 for AML, management, and reporting breaches. That does not make the cards unusable, but it is the kind of fact that never appears on a provider's marketing page.
It depends on the issuer type. Bank-issued cards hold your money as a deposit, and in the EEA that deposit carries statutory insurance (typically EUR 100,000), though a bank can still place part of the balance in an omnibus trust account at a partner bank, where the risk of that bank failing sits with you. E-money issuers instead safeguard funds in segregated accounts at commercial banks; that protects the money from the issuer's creditors, but it is not deposit insurance, and the FSCS or national equivalents explicitly do not apply. A few cards hold no fiat at all and spend straight from your crypto balance. Each card page's "Who's behind this card" section quotes the provider's own safeguarding statement.
Mostly no. Outside the bank-issued cards, the IBAN is usually a virtual IBAN: a personal reference number pointing at an account that is legally held by the provider or an unnamed payment partner. It works for routing money, but it is not a deposit account in your name, it earns no statutory protection, and the provider can withdraw or reassign it. Several providers do not even disclose which institution issues their IBANs. If the answer to "who holds my money" matters to you, that is the first question to check on the card's detail page.
It is an account number attached to the fiat side of a crypto card platform, letting you receive or send bank transfers. On most crypto cards it is a virtual IBAN over a provider-held account rather than a bank account in your own name; only bank-issued cards give you a true deposit account.
Only on cards whose IBAN accepts third-party payments. Most exchange cards accept own-name deposits only and will return an employer's transfer. Check the receiving column in our comparison table before giving anyone your card IBAN.
Usually not. E-money and payment institutions safeguard funds in segregated accounts, which protects against the issuer's insolvency but is not a deposit guarantee scheme. Bank-issued cards are the exception, with statutory insurance typically up to EUR 100,000 in the EEA.
Because the provider's official documents do not state the answer, or contradict themselves, and we only record what official sources confirm. Not confirmed is not a no; it means the provider does not publish the fact.
Regulated e-money institutions, payment institutions, and a few banks. The issuer is often a company you have never heard of, and several popular cards share the same issuer. Every card page on this site names the issuing entity and links its regulator register entry.