Crypto.com
Crypto.com Midnight prepaid — Singapore resident
Card fiat wallet stores payment value; supported crypto is converted to fiat before loading. App crypto/cash service entity is separate from issuer; current spread is unknown.
Last updated: 2026-10-19 · Within the 14-day review window · For education and research. Not investment, legal, or tax advice.
Program lifecycle: ACTIVE · New applications: OPEN
- The captured official application/programme documents describe a current application route; no application was attempted.
- OPEN describes a documented programme application route, not a guarantee that a person will be accepted.
Field review queue (14-day captured-evidence window)
- availability: 2026-10-19 · CURRENT · cdc-sg-program
- residence: 2026-10-19 · CURRENT · cdc-sg-resident-limits, cdc-sg-card-terms
- costRules: 2026-10-19 · CURRENT · cdc-sg-resident-fees, cdc-sg-resident-limits, cdc-card-application, cdc-sg-card-terms
- fees.monthly: 2026-10-19 · CURRENT · cdc-card-application
- fees.issuance: Unknown · UNKNOWN ·
- fees.funding: Unknown · UNKNOWN ·
- fees.conversion: Unknown · UNKNOWN ·
- fees.spread: Unknown · UNKNOWN ·
- fees.fx: Unknown · UNKNOWN ·
- fees.atm: Unknown · UNKNOWN ·
- fees.withdrawal: Unknown · UNKNOWN ·
- rewards: Unknown · UNKNOWN ·
Check captured residence conditions
This checks supplied residence facts only. Nationality, tax residence, issuance, shipping, account checks and individual acceptance are separate. Inputs stay in this page.
Calculate documented program fees
V2 teaching scenario. Enter converted card-currency principals before fees; no live FX or authorization. Missing event facts stay unknown. Inputs remain on this page.
Legacy aggregate limitations
These conservative v1 omissions remain for old callers. The explicit v2 scenario below can evaluate represented conditions; unknown prices and restrictions remain separate.
- Documented channel, physical/replacement, closure and inactivity charges need channel/event inputs · Sources: cdc-sg-resident-fees
- Foreign Transaction Fee 2% heading has unresolved domestic SGD scope; do not infer universal purchase fee or zero · Sources: cdc-sg-resident-fees
- Current crypto conversion quote/spread is unknown · Sources: cdc-sg-card-terms
- Local Singapore ATM is prohibited; overseas allowance SGD 200 then 2% cannot be priced without ATM location; operator costs unknown · Sources: cdc-sg-resident-fees, cdc-sg-resident-limits
Captured terms, claims and unresolved facts
Source text is retained in its recorded language. Official documents are not a direct product test. Conditional charges below are not automatically recurring monthly charges.
Documented term · monthly-card-fee
Card itself has no monthly fee; separate paid subscription/service tiers are not included.
Card fee wording / Midnight Schedule B or maintenance fee row · Terms checked: 2026-10-19
- LevelUp or other account/subscription services can have separate charges.
Sources: How to Apply for a Crypto.com Prepaid Card (cdc-card-application)
Documented term · issuer-and-fiat
Foris Asia Pte Ltd (UEN 201630381R) issues the virtual/physical prepaid Visa; card fiat value is loaded after conversion; App service is separate.
Sections 1.1, 3.1 and 7 · Terms checked: 2026-10-19
- Contract licensing statement is a provider statement, not independent MAS register verification.
Sources: Foris Visa Prepaid Card Terms — Singapore (cdc-sg-card-terms)
Documented term · resident-eligibility
Singapore residential-address applicants, age 18+, approved App and identity/no-duplicate requirements; residence is not nationality.
Limits page resident-address definition; terms section 3.1 · Terms checked: 2026-10-19
- No broader non-SG eligibility or individual application approval inferred.
Sources: Limits to SG Crypto.com Prepaid Visa Card under MAS Payment Services Act (cdc-sg-resident-limits) Foris Visa Prepaid Card Terms — Singapore (cdc-sg-card-terms)
Documented term · overseas-only-atm
Overseas ATM allowance and local prohibition: {"localAtmPermitted": false, "monthlyOverseasFreeAllowance": 200, "excessPercent": 2, "dailyLimit": 500, "monthlyLimit": 5000, "annualLimit": 10000}
Resident fee ATM rows; local ATM prohibition · Terms checked: 2026-10-19
- Scenario lacks ATM location; a global atm rule would wrongly imply domestic service. costRules.atm remains null.
- Only overseas ATM; operator fees separate.
Sources: Crypto.com Prepaid Visa Card Fees and Limits (Singapore – applicable to Singapore residential address users only) (cdc-sg-resident-fees) Limits to SG Crypto.com Prepaid Visa Card under MAS Payment Services Act (cdc-sg-resident-limits)
Documented term · foreign-fee-scope
Foreign Transaction Fee heading with ambiguous domestic scope: {"heading": "Foreign Transaction Fee", "currentPercent": 2, "priorPercent": 0.5, "domesticSgdScope": "UNKNOWN"}
Midnight Foreign Transaction Fee heading and September 1 change · Terms checked: 2026-10-19
Valid from: 2026-09-01 · Valid until: Unknown
- Cannot decide from this capture whether all domestic SGD transactions are included; no universal purchase/fx rate set.
- Heading and all-purchases/ATM wording must both be retained.
Documented term · funding-channel-fees
Channel-specific funding fees: {"debitPercent": 0, "creditPercent": 1, "applePayPercent": 2}
Singapore resident load rows · Terms checked: 2026-10-19
- A zero debit-load fee is not a zero fee for every loading route.
- Named load channels only.
Documented term · physical-and-closure
Physical-card and closure costs: {"firstPhysical": 4.99, "replacement": 45.01, "closure": 50}
Singapore resident Midnight event-fee rows · Terms checked: 2026-10-19
- Legacy v1 aggregate limitation: No event selector.
- Corresponding physical-card or closure event only.
Documented term · inactivity-fee
Monthly inactivity charge after twelve months: {"monthsInactive": 12, "monthlyAmount": 6}
Inactivity row; September 1 effective note · Terms checked: 2026-10-19
Valid from: 2026-09-01 · Valid until: Unknown
- Legacy v1 aggregate limitation: No inactivity state; older SGD 5 not carried forward.
- Twelve months inactive.
Documented term · programme-limits
Balance and rolling transfer/spend limits: {"maximumBalance": 20000, "rollingTwelveMonthTransferSpend": 100000}
Stored value and rolling twelve-month transfer/spending rows · Terms checked: 2026-10-19
- Cost scenario has no balance or rolling transaction history to validate these ceilings.
- Singapore resident programme.
Sources: Limits to SG Crypto.com Prepaid Visa Card under MAS Payment Services Act (cdc-sg-resident-limits) Crypto.com Prepaid Visa Card Fees and Limits (Singapore – applicable to Singapore residential address users only) (cdc-sg-resident-fees)
Documented term · availability-provenance
Current captured programme/application documents support the stated service/application state; individual approval and live application operation were not tested.
Current App application and Foris Asia issuer information; resident fee link · Terms checked: 2026-10-19
- ACTIVE is programme status, OPEN is a documented route, neither is a guaranteed personal approval.
Sources: Crypto.com Visa Card: Earn Up to 5% back on your daily spending (cdc-sg-program)
Unresolved fact · unknown-pricing-and-rewards
Current executable crypto quote/spread, individual rewards/points realization, staking/lockup applicability and complete account cost remain unverified.
Limits of captured programme documents · Terms checked: 2026-10-19
- Null is unknown or not represented in this model, not a documented zero.
Sources: Foris Visa Prepaid Card Terms — Singapore (cdc-sg-card-terms)
Documented term · annual-card-fee-scope
Application help distinguishes the prepaid card itself having no monthly/annual fee from separately charged LevelUp subscriptions; no subscription fee is assumed zero.
Prepaid card versus LevelUp subscription fee explanation · Terms checked: 2026-10-19
- No annual amount field in cardSchema; this does not price a subscription.
Sources: How to Apply for a Crypto.com Prepaid Card (cdc-card-application)
Product structure
- Provider
- Crypto.com
- Issuer
- Foris Asia Pte Ltd
- Program manager
- Not verified
- Card type / network
- PREPAID / VISA
- Virtual / physical
- Yes / Yes
- Funding assets
- SGD
- Funding methods
- Supported crypto converted to fiat before card loading; debit/credit/Apple Pay paths have distinct charges
- Custody model
- CUSTODIAL
- KYC requirement
- REQUIRED
- Conversion mechanism
- Card fiat wallet stores payment value; supported crypto is converted to fiat before loading. App crypto/cash service entity is separate from issuer; current spread is unknown.
- Withdrawal conditions
- Local Singapore ATM use is prohibited. Overseas ATM only: Midnight SGD 200 monthly allowance then 2% excess, plus possible operator charges. Limits SGD 500/day, SGD 5,000/month and SGD 10,000/year.
- Staking requirements
- Not verified
- Lock-up requirements
- Not verified
Eligibility
SG
A documented residence-rule match is not individual account/card approval; identity verification and the current application process remain separate. · Nationality and tax-residency requirements are not inferred from shipping, language or network acceptance. · Singapore residential-address programme; age 18+, approved App, identity checks and no duplicate card; citizenship is not inferred from the phrase Singaporean residents.
Eligibility checked: 2026-10-19
Fees and conditions
- monthly: 0 SGD · 2026-10-19 · Crypto.com
- issuance: Not verified
- funding: Not verified
- conversion: Not verified
- spread: Not verified
- fx: Not verified
- atm: Not verified
- withdrawal: Not verified
Rewards and conditions
Not verified
Risk disclosure
- Official-document verification only; no account, transaction, ATM withdrawal, conversion, reward or complaint tested.
- Crypto sale quotes/spreads and individual onboarding outcomes remain unknown; no personal tax or legal conclusion is made.
- Contract identifies Foris Asia as issuer and claims Major Payment Institution status; MAS registry was not independently checked. Non-Singapore notice is not generalized to Singapore resident protections. No independent insurance/insolvency conclusion is made.
- Singapore residential-address programme; age 18+, approved App, identity checks and no duplicate card; citizenship is not inferred from the phrase Singaporean residents.
- Local ATM is not permitted; the overseas ATM rule must not be exposed as an unrestricted domestic quote.
- Debit load 0%, credit load 1%, Apple Pay load 2%; first physical SGD 4.99, replacement SGD 45.01, closure SGD 50.
- After 12 months inactive SGD 6/month effective 2026-09-01; maximum balance SGD 20,000 and rolling twelve-month transfer/spend cap SGD 100,000.
- Foreign Transaction Fee heading lists Midnight all purchases/ATM at 2% after September 1 (older 0.5%); domestic SGD applicability is unclear and not encoded as a universal purchase rate.