This lets you spend the cryptocurrency in your Coinbase account like you spend your other money.
You’ll need to download the Coinbase Card app for iOS or Android to use your card.
Coinbase is authorised as an e-money firm by the UK regulator, the Financial Conduct Authority (FCA). But its crypto exchange isn’t operated from the UK and isn’t on the FCA’s register of crypto firms which have passed its anti-money laundering checks.
What’s it like to use the Coinbase Card?
1. Getting started
You can download the Coinbase Card app on iOS or Android.
2. Using the physical card
Use your physical Coinbase Card at ATMs and where Visa cards are accepted.
You can spend the cryptocurrencies loaded on your Coinbase account’s wallet.
Fiat currencies and cryptocurrencies Coinbase supports
Supported fiat currencies:
USD, EUR, GBP
Approximately 256 cryptocurrencies
Supported cryptocurrencies include:
How can I fund my Coinbase Card?
You can deposit funds onto your Coinbase account. Coinbase accepts the following payment methods:
Bank transfer (ACH)
Coinbase Card fees and limits
The first fee is the plastic card issuance fee of £4.95. You’ll need to have enough funds in your Coinbase account to cover that cost before you can order the card.
After that, you’ll encounter the following fees when using your card for purchases or for withdrawing cash at an ATM.
Coinbase Card fees for purchases
Your fee for purchases with crypto will be made up of the cryptocurrency conversion fee, plus the relevant transaction fee for the location.
So if you make a purchase with your card outside of Europe or the UK, you’ll be charged a 5.49% fee. If you make a purchase inside the UK you’ll be charged only the 2.49% conversion fee.
When it applies
Cryptocurrency conversion fee
When you spend the cryptocurrency in your account and have it converted to fiat
Domestic purchase transaction fee
When you make a purchase with the card inside the UK
Intra-EEA purchase transaction fee
When you make a purchase with the card in a European Economic Area (EEA) country
International purchase transaction fee
When you make a purchase with the card outside the UK or the EEA
When a chargeback is processed for your card
Austria, Belgium, Bulgaria, Croatia, Republic of Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Iceland, Liechtenstein and Norway.
Coinbase Card ATM fees
The ATM fees listed here apply to both ATM withdrawals and over-the-counter cash withdrawals from bank branches. Your conversion fees will apply on top of the relevant ATM fees.
How much it is
Cryptocurrency conversion fee
Domestic ATM fees
None up to £200 per month, 1% for amounts beyond that
International ATM fees
None up to £200 (or equivalent) per month, 2% for amounts beyond that
Coinbase Card limits
The table below shows the default limits. Note that you can change the daily spending limit by contacting Coinbase’s support.
Daily spending limit
Monthly purchase limit
Yearly purchase limit
In a nutshell
Convenient. Link the card to your Coinbase account and activate it, then you’re good to go.
Widely accepted. The card is accepted anywhere a standard Visa debit card is.
Almost just like a standard debit card. It’s just like a standard debit card, except for crypto. You can even tap and go with it.
High fees. Fees range from 2.49–5.29% per transfer.
Compare Coinbase Card alternatives
Crypto is unregulated in the UK; there's no consumer protection; value can rise or fall; tax on profits may apply*.
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Frequently asked questions
There’s no overdraft or debt functionality on this card. It will draw from your available balance and if the balance isn’t available you won’t be able to complete a transaction.
As such, it more closely resembles a debit card than a credit card.
No. You can spend any cryptocurrency you have in your Coinbase account, not just Bitcoin.
Cards are mailed out every weekday in the afternoon. They could take 5–7 business days to arrive.
No. You’ll typically get emails when making a transaction from your Coinbase account, but this won’t apply here.
Yes, but you’ll need to make at least one “normal” transaction wth the card first, for security reasons.
If you need to dispute a charge, contact Coinbase Card support.
The main functional differences are that this card is tied to your Coinbase account instead of a bank account and that it has higher fees than many other cards.
You need to activate your card before you use it – this can be done in the app or by calling 0808 1697 412.
You’ll receive an activation code with your card. This will be needed to activate it in both cases.
Coinbase Card troubleshooting
This is a common issue. You may need to try several times. If it doesn’t work you can contact Coinbase’s customer support.
You need to have at least £4.95 in your Coinbase account to cover the card issuance cost.
If you meet this requirement, but are still experiencing an error message, you may want to try again later or can contact Coinbase customer support if the issue persists.
You need to be verified up to stage 2 on your Coinbase account.
Go to your main Coinbase account to check this and upgrade your verification if needed, then link your Coinbase Card app to your main account.
You may need to try again later or contact Coinbase customer support if the issue persists.
*Cryptocurrencies aren't regulated in the UK and there's no protection from the Financial Ombudsman or the Financial Services Compensation Scheme. Your capital is at risk. Capital gains tax on profits may apply.
Cryptocurrencies are speculative and investing in them involves significant risks - they're highly volatile, vulnerable to hacking and sensitive to secondary activity. The value of investments can fall as well as rise and you may get back less than you invested. Past performance is no guarantee of future results. This content shouldn't be interpreted as a recommendation to invest. Before you invest, you should get advice and decide whether the potential return outweighs the risks. Finder, or the author, may have holdings in the cryptocurrencies discussed.
Andrew Munro was the global cryptocurrency editor at Finder, covering all aspects of cryptocurrency and the blockchain. Andrew has a Bachelor of Arts from the University of New South Wales.
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