Best Crypto Cards in the UK: Availability, Fees, Cashback, and Supported Regions
Compare the best crypto cards UK users can actually access, with a focus on availability, virtual and physical cards, fees, cashback, APY, and KYC requirements.
Last updated: July 1, 2026
For UK users, the main question is not how many crypto cards exist globally. It is which ones are actually available in the UK, what kind of card access they offer, what fees apply, and what restrictions sit behind the sign-up flow.
Ranked+ Cards tracks crypto card availability across regions so users can filter for products that match their country, preferred funding method, fee tolerance, and reward structure. Based on our data as of June 2026, 12 active crypto cards are currently listed as available in the UK.
For up-to-date information on the cards available in the United Kingdom, make sure to visit Ranked+.
Crypto cards are also getting more attention in the UK because they sit between two use cases that traditional banks do not combine very well: spending from crypto-linked balances and getting card-like convenience without leaving the crypto ecosystem entirely.
For some users, the appeal is rewards.
For others, it is stablecoin access, virtual cards, or cross-border funding options such as SEPA, SWIFT, ACH, or crypto deposits.
The trade-off is that availability, KYC, and reward terms can vary a lot by provider.
Which crypto cards are available in the UK?
Here is the UK shortlist from Ranked+ Cards:
Quick comparison: fees
| Card | Monthly fee | FX fee | ATM fee |
|---|---|---|---|
| COCA | 0% | 0% | 0% |
| Cypher | 0% | 1.75% | 3% |
| EtherFi Cash | 0% | 1% | 2% |
| KAST | 0% | 0.5% | 2% |
| Kolo | 0% | 0% | Needs confirmation |
| Lava Card | 0% | 0% | 0% |
| Plasma One | 0% | 1% | Needs confirmation |
| RedotPay | 0% | 1% | 2% |
| Revolut Crypto | 0% | 0% | 0% |
| Solflare | 0% | 1% | 0% |
| Tria | 0% | 1% | 3% |
| Wirex | 0% | 0% | 0% |
Quick comparison: rewards and KYC
| Card | Cashback | APY | KYC |
|---|---|---|---|
| COCA | 1% base / 8% max | 5% | Light |
| Cypher | Needs confirmation | Needs confirmation | Light |
| EtherFi Cash | 3% | 8% | Full |
| KAST | 1.5% base / 3% max | 5.5% | Full |
| Kolo | 2% | Needs confirmation | Full |
| Lava Card | 3% base / 5% max | Needs confirmation | Full |
| Plasma One | 2% base / 4% max | 6% | Full |
| RedotPay | 0% | Needs confirmation | Full |
| Revolut Crypto | 0% | 4% | Full |
| Solflare | 0% | 9% | Light |
| Tria | 1.5% base / 6% max | 13% | Full |
| Wirex | 0.5% base / 8% max | 16% | Full |
Why crypto cards are gaining ground in the UK
The UK market is a practical fit for crypto cards because users often care about three things at the same time:
- Access – a virtual card can be more useful than waiting for plastic.
- Funding flexibility – some cards support crypto only, while others also accept bank transfer rails such as SEPA, SWIFT, ACH, or FPS-related flows.
- Rewards and yield – some products combine spending rewards with savings APY.
Traditional banks do not usually package those features together. Crypto cards can. But the upside comes with more complexity: some providers require full KYC, some physical cards are not offered, some cashback depends on staking or membership, and some availability rules are handled dynamically inside the app rather than on a public country list.
Virtual vs physical card availability in the UK
A useful split in the UK market is virtual-first versus virtual-plus-physical.
Virtual-only or virtual-first options
The two UK-listed cards in our data without a physical card are:
These may suit users who mainly want online spending or immediate digital access rather than card shipping.
Virtual and physical card options
The following UK-listed cards show both virtual and physical card support:
For UK users, that matters because physical availability is not universal even when a card is otherwise listed as available.
KYC, residency, and supported-region caveats
Most UK-listed cards in our data require full KYC. Only COCA, Cypher, and Solflare are marked as Light KYC.
There are also provider-specific caveats worth checking before sign-up:
- KAST – country restrictions are handled dynamically in-app, and there is no standalone public master list in our data.
- Kolo – the official messaging is described in our database as unclear on the difference between usage geography and signup eligibility.
- Lava Card – global usage is noted, but users are told to cross-check availability in-app.
- Plasma One – explicitly excludes US citizens.
- Tria – requires ID, residential address, and phone number matching the same country; KYC can only be completed in supported countries, and the upfront fee is non-refundable if rejected.
- Wirex – some document types are not accepted for KYC; proof of address is required for advanced verification.
- EtherFi Cash – our data notes excluded US states, which is not directly a UK issue but still signals jurisdiction-specific restrictions.
Card-by-card breakdown
COCA
COCA is one of the cleaner UK options in our data if the focus is low stated fees plus rewards. It offers both virtual and physical cards, uses Light KYC, and is listed with 0% monthly, FX, and ATM fees. Cashback starts at 1% and can reach 8% max, paid in USDC. Savings APY is listed at up to 5%.
Funding methods include crypto, bank transfer, and SEPA. COCA also ranks first in our UK top-five fee view and first in our cashback ranking when measured by max cashback.
Cypher
Cypher is available in the UK with both virtual and physical card support and Light KYC, but it is less complete in our data than some alternatives. The card shows 0% monthly fees, 1.75% FX, and 3% ATM withdrawal fees. Cashback and APY both need confirmation.
Funding is listed as crypto only, which may be a limiting factor for users who want bank-transfer top-ups. Cashback is shown as paid in CYPR, but no reward rate is specified in our data.
EtherFi Cash
EtherFi Cash is one of the stronger UK entries for users who care about both rewards and funding flexibility. It supports virtual and physical cards, requires Full KYC, charges 0% monthly fees, 1% FX, and 2% ATM fees, and lists 3% cashback with up to 8% APY.
Funding methods are broader than most cards in this shortlist: crypto, SWIFT, bank transfer, FedWire, PIX, FTS, and BREB. Cashback is paid in USDC, but the reward depends on an active membership and steps down by tier as monthly spend rises. ATM withdrawals do not earn cashback.
In our adoption view, EtherFi Cash appears in the UK top five by user signal.
KAST
KAST combines full card access with relatively low stated fees. It supports virtual and physical cards, uses Full KYC, has 0% monthly fees, 0.5% FX fees, and 2% ATM fees. Cashback is listed at 1.5% base / 3% max, with up to 5.5% APY.
Funding methods include crypto, SWIFT, SEPA, and bank transfer. Cashback is paid in USDC. KAST also appears in our top adoption view for the UK shortlist.
The main caveat is availability transparency: our data notes that KAST does not publish a standalone public master list of prohibited countries and instead handles restrictions through the in-app KYC flow.
Kolo
Kolo stands out as a virtual-only UK-listed option with 0% monthly fees and 0% FX fees. It requires Full KYC and offers 2% cashback, paid in BTC. ATM withdrawal fees and APY both need confirmation in our data.
Funding methods include crypto, SEPA, and bank transfer. The main caution is not fee-related but availability-related: our data notes that the provider’s public messaging mixes card usage geography with signup eligibility and supported residency, so UK users should check those details carefully before applying.
Lava Card
Lava Card is one of the more aggressive reward cards in the UK set. It supports both virtual and physical cards, requires Full KYC, and is listed with 0% monthly, FX, and ATM fees. Cashback starts at 3% and can reach 5% max, paid in BTC.
Funding methods are broad: PIX, ACH, crypto, SEPA, SPEI, SWIFT, and bank transfer. Lava ranks near the top of our UK fee view and cashback view.
The availability caveat is important. Our data says the card can be used globally and in more than 150 countries, but there is no full restricted-country list, so users are told to cross-check in the app.
Plasma One
Plasma One is listed for the UK but marked Invite only, which already makes it a narrower option than the active cards above. It supports virtual and physical cards, requires Full KYC, shows 0% monthly fees, 1% FX, and ATM fee needs confirmation. Cashback is 2% base / 4% max, and APY is listed at up to 6%.
Funding methods include SEPA, ACH, bank transfer, FPS, PIX, SPEI, and crypto. Cashback is paid in XPL, the Plasma native token.
Its restrictions are more detailed than most. Our data says the cashback excludes several categories including ATM withdrawals, P2P transfers, FX transactions, tax payments, gift cards, money orders, gambling, crypto transactions, wire transfers, balance transfers, and cash advances. US citizens are explicitly excluded.
RedotPay
RedotPay is one of the larger UK-listed cards by adoption signal in our data. It supports both virtual and physical cards, requires Full KYC, and lists 0% monthly fees, 1% FX fees, and 2% ATM fees. Cashback is listed at 0%, and APY needs confirmation.
Funding methods include crypto and bank transfer. In our UK adoption ranking, RedotPay is first by user signal among the included cards.
For users focused on size or usage signal rather than rewards, that may matter. For users focused on cashback, this is a weaker fit on the available numbers.
Revolut Crypto
Revolut Crypto combines broad brand recognition with a low-fee profile in our UK data. It supports virtual and physical cards, requires Full KYC, and is listed with 0% monthly, FX, and ATM fees. Cashback is 0%, while savings APY is listed at up to 4%.
Funding methods include crypto, bank transfer, SWIFT, and SEPA. Revolut Crypto also appears near the top of our adoption ranking and in the top five by lowest fee profile.
For UK users who prioritize fee simplicity over cashback, it is one of the clearest entries in this shortlist.
Solflare
Solflare is a virtual-only UK-listed card with Light KYC. It shows 0% monthly fees, 1% FX fees, and 0% ATM fees. Cashback is 0%, but APY is listed at up to 9%, which is one of the stronger savings figures in this set.
Funding is listed as crypto only. That makes Solflare more niche than cards that also support bank rails, but it may appeal to users who want a simpler crypto-native setup and do not need physical card shipping.
Tria
Tria is one of the more reward-heavy UK cards in our data. It supports virtual and physical cards, requires Full KYC, charges 0% monthly fees, 1% FX fees, and 3% ATM fees, and lists 1.5% base / 6% max cashback with up to 13% APY.
Funding is crypto only. Cashback is paid in USDC, and our data notes that extra rewards can be unlocked through optional TRIA token staking. ATM withdrawals do not earn cashback on the Virtual tier.
The main friction point is KYC and onboarding: users need an ID document, residential address, and phone number all matching the same country, and the fee charged before KYC is non-refundable if the application is rejected.
Wirex
Wirex is one of the most feature-heavy UK cards in our data. It supports both virtual and physical cards, requires Full KYC, and shows 0% monthly, FX, and ATM fees. Cashback starts at 0.5% and can reach 8% max, while savings APY is listed at up to 16% , the highest in this UK set.
Funding methods include crypto, SEPA, bank transfer, PIX, and ACH. Cashback is paid in WXT and the higher reward tiers depend on locking substantial amounts of WXT for 180 days.
Wirex also appears in the UK top five for cashback, APY, fees, and adoption. The main caveat is verification: some document types are not accepted, and proof of address is required for advanced KYC.
Cheat sheet: top crypto cards in the UK by cashback
For users screening by rewards first, these are the top five UK-listed cards in our data by cashback.
| Card | Base cashback | Max cashback | Cashback token |
|---|---|---|---|
| COCA | 1% | 8% | USDC |
| Wirex | 0.5% | 8% | WXT |
| Tria | 1.5% | 6% | USDC |
| Lava Card | 3% | 5% | BTC |
| Plasma One | 2% | 4% | XPL |
Cheat sheet: top crypto cards in the UK by APY
For users who care about savings yield as much as card spend, these are the highest APY figures in our UK data.
| Card | APY to | APY from | Card type |
|---|---|---|---|
| Wirex | 16% | 1% | Virtual + Physical |
| Tria | 13% | 3% | Virtual + Physical |
| Solflare | 9% | 5% | Virtual only |
| EtherFi Cash | 8% | 2% | Virtual + Physical |
| Plasma One | 6% | 4% | Virtual + Physical |
Cheat sheet: top crypto cards in the UK by lowest fees
This view is ranked by lowest monthly fee, then FX fee, then ATM withdrawal fee.
| Card | Monthly fee | FX fee | ATM fee |
|---|---|---|---|
| COCA | 0% | 0% | 0% |
| Lava Card | 0% | 0% | 0% |
| Revolut Crypto | 0% | 0% | 0% |
| Wirex | 0% | 0% | 0% |
| Kolo | 0% | 0% | Needs confirmation |
Cheat sheet: top crypto cards in the UK by adoption signal
This table reflects user signal data in Ranked+ Cards, not a recommendation by itself.
| Card | User signal | Volume signal | Status |
|---|---|---|---|
| RedotPay | 500K–1M users | $5B–$10B | Active |
| Revolut Crypto | 1M+ users | $10B+ | Active |
| KAST | 100K–250K users | $1B–$2B | Active |
| EtherFi Cash | 75K–100K users | $1B–$2B | Active |
| Wirex | 75K–100K users | $500M–$750M | Active |
Funding methods and currency support: what UK users should check
Funding support in our data is much clearer than supported spend currencies.
Cards with bank-transfer support in our data
These cards list at least one bank-transfer rail:
Crypto-only funding in our data
These cards are listed as crypto-funded only:
What about GBP, EUR, USDC, or other supported currencies?
Our data does not provide a complete supported-currency field for every UK-listed card, so users should treat that as a provider-level check before applying. In this article, cashback payout tokens are visible for some cards, but that is not the same as full support for card settlement, spending balances, or local fiat rails.
Which UK crypto cards stand out on the data?
Different cards stand out for different reasons:
- Lowest-fee profiles: COCA, Lava Card, Revolut Crypto, Wirex
- Highest cashback ceilings: COCA, Wirex, Tria
- Highest APY figures: Wirex, Tria, Solflare
- Virtual-only access: Kolo, Solflare
- Largest adoption signal in our UK dataset: RedotPay, Revolut Crypto
That does not make one card the best for every UK user. The real filter is usually a mix of availability certainty, KYC friction, funding rails, fee tolerance, and reward mechanics.
