Helen Champion is an associate editor at Finder. She has worked in communications for over 16 years and currently writes on a range of topics including insurance and money transfers in the hope of empowering people to make better financial decisions. During her broadcast career, she helped to produce hundreds of news and breaking news reports for Associated Press TV and ITV News. And in public relations, she managed several high-profile public relations campaigns for Macmillan Cancer Support, the General Medical Council and overseas for Qatar Foundation on behalf of BLJ Worldwide. Helen has a Bachelor of Arts in Journalism from the University of Lincoln, a passion for practising karate in the dojo and a deep love of making mischief with her sons.
Disclaimer: This information should not be interpreted as an endorsement of cryptocurrency or any specific
provider, service or offering. It is not a recommendation to trade.
Pros and cons
Here’s an overview of the Coinbase card’s standout features and shortcomings.
A quick and easy way to spend the crypto stored in your crypto wallet wherever Visa is accepted
The Coinbase card app helps you to manage your crypto spending on the go
No transaction fees and free ATM withdrawals up to €200 per month (1% of withdrawal amount thereafter)
You can only use 8 cryptocurrencies to make a payment
There is a one-time fee of €4.95 to get hold of the card
Apply Pay is currently not supported (though Google Pay is)
Eligibility and how to apply for a Coinbase card
In order to apply for a Coinbase Visa debit card, you’ll first need to download the Coinbase app and sign up for an account. The Coinbase card is available to Coinbase account holders in Europe including Ireland.
To sign up to Coinbase, you’ll need to supply personal information with your application that includes the following:
Date of birth
Photo ID such as a driver’s licence or a passport
How does the Coinbase card work?
The Coinbase Visa debit card works in a similar way to a traditional debit card. You must be signed up to Coinbase and have crypto held in your Coinbase crypto wallet before you can make any purchases. Then you can choose between the 8 cryptocurrencies to pay with. You can also withdraw up to €200 from a Visa ATM each month. But once you exceed your withdrawal limit, you’ll have to pay a fee equal to 1% of the withdrawal amount.
Main benefits of the Coinbase card
Spend your crypto in the real world. Access the crypto funds in your Coinbase wallets to make online and in-person purchases for just about anything.
No maintenance or transaction fees. You won’t have to pay any monthly or annual fees with the Coinbase card. Several other crypto-linked debit cards are also fee-free.
Spend wherever Visa is accepted. Use your Coinbase card anywhere where Visa is accepted and pay by PIN, contactless or withdraw cash from an ATM.
Free ATM withdrawals. Withdraw up to €200 each month without worrying about fees. After this, you’ll pay 1% o the withdrawal amount
The Coinbase card app. Activate your card through the card app and start spending your crypto balance right away. You’ll also be able to choose which crypto to spend and keep track of your spending
Google Pay. The Coinbase card supports Google Pay, making it simple to spend your crypto on the go.
Main drawbacks of the Coinbase card
Limited cryptocurrencies are supported. Only 8 cryptocurrencies can be used to make purchases on the Coinbase card including BTC, ETH, LTC and XLM.
One-off card fee. To sign up for the Coinbase card, you’ll need to pay a one-off fee of €4.95 and delivery will take between 5-7 working days to arrive.
Apply Pay is not supported. You won’t be able to use Apple Pay with the Coinbase card. However, Google Pay is currently supported.
How does the Coinbase card compare to a traditional debit card?
A traditional debit card is usually linked to a current account that holds your fiat currency like euros. Then you access your funds by using your debit card to make purchases in person or online. The Coinbase card can only be linked to your Coinbase crypto wallet, which holds your crypto assets. You use your Coinbase card the same way you would a traditional debit card but you make purchases with your crypto funds rather than your euro funds.
How experienced do you need to be with crypto to use the Coinbase card?
The Coinbase card is best for crypto investors or beginners but you’ll need to have a Coinbase account already and hold crypto in your wallet to sign up for the Coinbase card. It does support spending in up to 8 cryptocurrencies and automatically links directly to your Coinbase wallet. Unlike a credit card, you won’t be able to spend crypto that you don’t already have.
What cryptocurrencies can I use with the Coinbase card?
The Coinbase exchange supports more than 50 forms of crypto, though you’re limited to 8 with the Coinbase card:
Bitcoin Cash (BCH)
Stellar Lumens (XLM)
Basic Attention Coin (BAT)
Is the Coinbase card safe?
Yes. Coinbase takes steps to keep both your data and crypto safe by operating in compliance with local regulations around the world including the UK’s Financial Conduct Authority and FinCen in the US. It also adheres to anti-money laundering and KYC obligations.
The Coinbase card can only be used with a PIN for in-person transactions and a two-step verification for online purchases. If you need to temporarily stop your card from being used, you can freeze it via the app.
Where can you use the Coinbase card?
You’ll be able to use your Coinbase card anywhere in the world where you see the Visa logo.
Fees and exchanges rates
While Coinbase claims there are no transaction fees, there are some charges that apply to its Coinbase card:
Type of fee
€4.95 (one-time fee)
€4.95 per card
Cash withdrawals in Ireland (ATM and Over The Counter)
Free up to €200. 1% of the withdrawal amount thereafter
International cash withdrawal (ATM and Over The Counter)
Free up to €200. 2% of the withdrawal amount thereafter
Purchase transactions in Ireland
Intra-EEA purchase transactions
0.20% of the Point of Sale transaction amount
International purchase transactions
3% of the Point of Sale transaction amount
2.49% of transaction
Check the details in the Coinbase card Cardholder Agreement to check you understand the fees that apply.
If you’re looking to spend your crypto assets then the Coinbase Visa debit card will easily allow you to do this. You’ll need a Coinbase account and crypto assets in your crypto wallet. But you won’t have to pay any maintenance costs to have the Coinbase card as there’s just a one-time fee of €4.95 to get hold of it.
As the Coinbase card is a Visa debit card rather than a credit card, there aren’t really any standout perks to benefit from but you will be able to use your card anywhere in the world where Visa is accepted. You’ll also get free cash withdrawals up to €200 each month.
If you want to put your crypto to work, you may want to look at a crypto savings account where you could earn a yield on your assets in return for locking your crypto into the account for a set period of time.
Shop around and compare your options to find out which option suits your crypto needs.
Disclaimer: Cryptocurrencies are speculative, complex and involve significant risks – they are highly
volatile and sensitive to secondary activity. Performance is unpredictable and past performance is no guarantee of
future performance. Consider your own circumstances, and obtain your own advice, before relying on this information.
You should also verify the nature of any product or service (including its legal status and relevant regulatory
requirements) and consult the relevant Regulators' websites before making any decision. Finder, or the author, may
have holdings in the cryptocurrencies discussed.
How likely would you be to recommend finder to a friend or colleague?
Very UnlikelyExtremely Likely
Thank you for your feedback.
Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve.
finder.com is an independent comparison platform and information service that aims to provide you with the tools you need to make better decisions. While we are independent, the offers that appear on this site are from companies from which finder.com receives compensation. We may receive compensation from our partners for placement of their products or services. We may also receive compensation if you click on certain links posted on our site. While compensation arrangements may affect the order, position or placement of product information, it doesn't influence our assessment of those products. Please don't interpret the order in which products appear on our Site as any endorsement or recommendation from us. finder.com compares a wide range of products, providers and services but we don't provide information on all available products, providers or services. Please appreciate that there may be other options available to you than the products, providers or services covered by our service.