Tap Card
by Tap Global Ltd
Tap Global offers a prepaid Mastercard linked to a crypto exchange, allowing users to spend crypto or fiat. While there are no monthly subscription fees, a £12.99 issuance fee applies to the physical card on all tiers. Users earn up to 8% cashback paid in XTP tokens and can access lower trading fees and higher ATM limits based on their tier. Cashback levels, trading fee discounts, and card limits are strictly tied to the 'Premium Plans' which require a 12-month lockup of XTP tokens. The lockup amounts are fixed in EUR/GBP (e.g., €300, €2,500).
Unique Features
- Unlimited ATM withdrawals on top tier
- Direct access to competitive crypto trading rates within the app
Pros
- High cashback potential (up to 8%)
- High monthly spending limits on premium tiers (€30,000)
- Unlimited free ATM withdrawals on Prestige tier
- No monthly subscription fees on any tier
- Integrated exchange with multi-chain support
- Free top-ups via Bank Transfer (FPS/SEPA)
Cons
- High lockup requirements for best rates (€25,000 for 8%)
- 12-month lockup period is long
- Base tier benefits are minimal (0.5% cashback, standard fees)
- Physical card issuance fee (£12.99) applies to all users
- Cashback is paid in volatile XTP tokens, not Fiat
Integrations & Tech
Available In (28)
Tier Comparison
Essential
0.5% CashbackFee Structure
ATM Capabilities
Detailed Fee Structure
Top-ups via debit card 1.25-2.49% (EEA/UK), 4.49% (Non-EEA), 7.49% (Business)
£3 after 12 months
Detailed Limits
Fee Details
Physical card issuance is £12.99 for all tiers. Card replacement is £4.99. A monthly inactivity fee of £3.00 applies after 12 months of non-use. Top-ups via Bank Transfer (FPS/SEPA) are Free. Top-ups via Debit Card incur fees: 1.25% - 2.49% (EEA/UK Consumer), 4.49% (Non-EEA), and 7.49% (Business).
Limits & Conditions
Base monthly spending limit is €15,000, rising to €25,000 (Platinum) and €30,000 (Prestige). Free ATM withdrawals are capped at €500/month for most tiers, €1,000 for Platinum, and Unlimited for Prestige.
Crypto Capabilities
Security & Custody
Supported Assets
