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Coinbase card review Ireland

This Coinbase debit card allows you to spend your Coinbase crypto balance instantly around the world.

Use the Coinbase Visa debit card to spend your crypto holdings. You’ll pay a one-time fee of €4.95 to get the Coinbase Visa card but won’t have to pay for ATM withdrawals up to €200 each month.

Find out how it works and how to apply for one.

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$0

Deposit fee

1% for all domestic withdrawals

Withdrawal Fee

Up to 5.75%

Yield rate

Details

Product NameCoinbase Card
Yield rateUp to 5.75%
Deposit fee$0
Withdrawal Fee1% for all domestic withdrawals
Annual percentage yield (APY) ETH3.68%
Fee Amount€0
More Info
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.

Benefits
  • 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)
Drawbacks
  • 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:

  • Full name
  • Address
  • Date of birth
  • Phone number
  • Email address
  • 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 (BTC)
  • Ethereum (ETH)
  • Litecoin (LTC)
  • Bitcoin Cash (BCH)
  • Stellar Lumens (XLM)
  • Basic Attention Coin (BAT)
  • Augur (REP)
  • Ox (ZRX)

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 feeAmount
Card issue€4.95 (one-time fee)
Card replacement€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 IrelandFree
Intra-EEA purchase transactions0.20% of the Point of Sale transaction amount
International purchase transactions3% of the Point of Sale transaction amount
Chargeback processing€20
Crypto liquidation2.49% of transaction

Check the details in the Coinbase card Cardholder Agreement to check you understand the fees that apply.

Verdict

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.

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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.

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