Crypto.com
Crypto.com Midnight prepaid — United Kingdom
Sections 8.1–8.4 describe pooled segregated fiat funds and conversion/loading before payment; the merchant is not shown to receive crypto on-chain.
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-card-application
- residence: 2026-10-19 · CURRENT · cdc-uk-card-terms
- costRules: 2026-10-19 · CURRENT · cdc-uk-card-fees, cdc-card-application, cdc-uk-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 conditional loads, first physical/replacement, closure and inactivity charges need channel/event inputs · Sources: cdc-uk-card-fees
- No unconditional current purchase-program percentage was captured · Sources: cdc-uk-card-fees
- Documented non-GBP charge is location-dependent 0.2% or 2%; network quote not included · Sources: cdc-uk-card-fees
- Current crypto sale quote/spread is unknown · Sources: cdc-uk-card-terms
- ATM operator charge is unknown · Sources: cdc-uk-card-fees
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-rights
Foris GFS UK Limited issues the virtual/physical prepaid card; card/App crypto service entities differ; section 21.7 disclaims deposit/FSCS insurance and warns of issuer-failure loss.
Sections 1, 3 and 21.7; PDF page 19 (zero-based 18) · Terms checked: 2026-10-19
- Section 21.5 concerns lost-card liability, not FSCS.
- Foris DAX UK is App service entity, not inferred programme manager.
Sources: Crypto.com UK Prepaid Card Terms (cdc-uk-card-terms)
Documented term · residence-and-funding
UK resident age 18+ with approved App, identity requirements and no duplicate card; pooled fiat wallet and sell/load-before-spend mechanism.
Sections 2.1(a,c,h) and 8.1–8.4 · Terms checked: 2026-10-19
- Individual approval remains separate.
Sources: Crypto.com UK Prepaid Card Terms (cdc-uk-card-terms)
Documented term · atm-tier
Midnight monthly GBP 180 ATM allowance then 2% excess; daily GBP 1,800, monthly GBP 9,000, yearly GBP 66,000 ceilings.
UK Midnight ATM allowance and limits rows · Terms checked: 2026-10-19
Sources: Crypto.com Prepaid Visa Card Fees and Limits (United Kingdom) (cdc-uk-card-fees)
Documented term · regional-fx
Regional non-GBP charge: {"withinUkEuPercent": 0.2, "outsideUkEuPercent": 2}
UK Midnight foreign-transaction rows · Terms checked: 2026-10-19
- Legacy v1 aggregate limitation: No transaction geography input; scalar fees.fx would collapse two distinct rates.
- Applies to non-GBP transactions by location; network quote is separate.
Sources: Crypto.com Prepaid Visa Card Fees and Limits (United Kingdom) (cdc-uk-card-fees)
Documented term · physical-card-costs
First physical / replacement card charges: {"firstPhysical": 4.99, "replacement": 45.01}
UK Midnight physical/replacement rows · Terms checked: 2026-10-19
- Legacy v1 aggregate limitation: No first-physical/replacement event selector.
- Corresponding physical-card event only.
Sources: Crypto.com Prepaid Visa Card Fees and Limits (United Kingdom) (cdc-uk-card-fees)
Documented term · funding-and-closure
Load and closure charges: {"debitLoadPercent": 1, "creditLoadPercent": 1, "closureAmount": 50}
UK loading and closure rows · Terms checked: 2026-10-19
- Scenario has no channel or account-closure event.
- Named loading channels or closure only.
Sources: Crypto.com Prepaid Visa Card Fees and Limits (United Kingdom) (cdc-uk-card-fees)
Documented term · inactivity-fee
Monthly inactivity charge after twelve months: {"monthsInactive": 12, "monthlyAmount": 6}
UK inactivity row, October 1 effective clause · Terms checked: 2026-10-19
Valid from: 2026-10-01 · Valid until: Unknown
- Legacy v1 aggregate limitation: No inactivity state; ordinary monthly fee remains distinct.
- Twelve months inactive, applicable change effective 2026-10-01.
Sources: Crypto.com Prepaid Visa Card Fees and Limits (United Kingdom) (cdc-uk-card-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.
Prepaid application, residential address, virtual/physical sequence and card-versus-subscription fee wording · Terms checked: 2026-10-19
- ACTIVE is programme status, OPEN is a documented route, neither is a guaranteed personal approval.
Sources: How to Apply for a Crypto.com Prepaid Card (cdc-card-application)
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: Crypto.com UK Prepaid Card Terms (cdc-uk-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)
Documented term · operating-limits
Captured operating ceilings: {"atmDaily": 1800, "atmMonthly": 9000, "atmYearly": 66000, "maximumBalance": 22000}. These are not authorization guarantees.
UK Midnight ATM and maximum-balance rows · Terms checked: 2026-10-19
- Current amount/authorization and history were not tested.
Sources: Crypto.com Prepaid Visa Card Fees and Limits (United Kingdom) (cdc-uk-card-fees)
Documented term · fees-and-tax-scope
Section 13.2 listed fees exclude applicable tax. Tax applicability and amount are not established by this calculator.
UK card terms section 13.2; taxes on applicable fees · Terms checked: 2026-10-19
- Captured official terms, not directly tested or human approved.
- Only the named conditional fee/component is executable; unknowns remain separate.
Sources: Crypto.com UK Prepaid Card Terms (cdc-uk-card-terms)
Product structure
- Provider
- Crypto.com
- Issuer
- Foris GFS UK Limited
- Program manager
- Not verified
- Card type / network
- PREPAID / VISA
- Virtual / physical
- Yes / Yes
- Funding assets
- GBP
- Funding methods
- Sell supported crypto and/or load fiat into the prepaid card wallet before payment
- Custody model
- CUSTODIAL
- KYC requirement
- REQUIRED
- Conversion mechanism
- Sections 8.1–8.4 describe pooled segregated fiat funds and conversion/loading before payment; the merchant is not shown to receive crypto on-chain.
- Withdrawal conditions
- Midnight GBP 180 monthly ATM allowance, then 2% on excess plus possible operator/FX charges. Captured limits GBP 1,800/day, GBP 9,000/month and GBP 66,000/year.
- Staking requirements
- Not verified
- Lock-up requirements
- Not verified
Eligibility
GB
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. · UK resident, age 18+, approved App account and identity checks; no duplicate card; nationality/tax details not inferred.
Eligibility checked: 2026-10-19
Fees and conditions
- monthly: 0 GBP · 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.
- Section 21.7, PDF page 19 (zero-based 18), says e-money is not deposit-insured/FSCS-protected and issuer failure can cause loss. Safeguarding statements do not prove independent bankruptcy remoteness or complete recovery.
- UK resident, age 18+, approved App account and identity checks; no duplicate card; nationality/tax details not inferred.
- First physical card GBP 4.99; replacement GBP 45.01; debit/credit load 1%; closure GBP 50.
- Non-GBP purchase/ATM charge 0.2% within UK/EU and 2% outside UK/EU; a single global FX rate would be incorrect.
- After 12 months inactive: GBP 6 per month effective 2026-10-01, not the older GBP 5; max balance GBP 22,000.
- Midnight only; card monthly/annual fee wording does not make LevelUp subscription charges zero.