Crypto.com
Crypto.com Midnight prepaid — Australia
The card uses fiat stored value; crypto funding is converted before loading. Current quote/spread is unknown; retail FX and counterparty-availability risks remain.
最近更新: 2026-10-19 · 在 14 天复核周期内 · 仅供教育与研究，不构成投资、法律或税务建议。
项目生命周期: ACTIVE · 新申请状态: 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.
字段复核队列（证据核对周期 14 天）
- availability: 2026-10-19 · CURRENT · cdc-card-application
- residence: 2026-10-19 · CURRENT · cdc-au-card-tmd, cdc-au-card-terms
- costRules: 2026-10-19 · CURRENT · cdc-au-fees, cdc-card-application, cdc-au-card-terms, cdc-au-card-pds, cdc-au-topup
- fees.monthly: 2026-10-19 · CURRENT · cdc-card-application
- fees.issuance: 未知 · UNKNOWN ·
- fees.funding: 未知 · UNKNOWN ·
- fees.conversion: 未知 · UNKNOWN ·
- fees.spread: 未知 · UNKNOWN ·
- fees.fx: 2026-10-19 · CURRENT · cdc-au-fees
- fees.atm: 未知 · UNKNOWN ·
- fees.withdrawal: 未知 · UNKNOWN ·
- rewards: 未知 · UNKNOWN ·
核对已记录的居住条件
仅核对填写的居住事实。国籍、税务居民、发行、配送、账户核验及个人审批分别判断。输入仅保留在本页。
计算已记录的项目费用
v2 教学场景。请填写费用扣取前、以卡币种计价的本金；不获取实时汇率，也不授权交易。未填事件事实保持未知。输入仅保留在本页。
旧版汇总模型限制
这些保守的 v1 缺项为旧调用保留。下方 v2 场景可判定已表示的条件；未知价格和交易限制仍单独列明。
- Known load/physical/closure/inactivity charges need channel/event inputs; replacement fee is conflicting · 来源: cdc-au-fees, cdc-au-card-pds
- Unconditional current purchase-program percentage not captured · 来源: cdc-au-fees
- Known non-AUD 3% additional charge and network quote are outside subtotal · 来源: cdc-au-fees
- Current crypto conversion quote/spread is unknown · 来源: cdc-au-topup
- ATM operator fee is unknown · 来源: cdc-au-fees
已记录条款、平台声明与未决事实
来源文字保留记录时的语言。官方文件核验不等于直接实测产品。以下条件费用不自动视为每月固定收费。
文件记载条款 · 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 · 条款核对日期: 2026-10-19
- LevelUp or other account/subscription services can have separate charges.
来源: How to Apply for a Crypto.com Prepaid Card (cdc-card-application)
文件记载条款 · issuer-and-rights
Foris GFS Australia Pty Ltd, ACN 150651004 / AFSL 467462, issues the virtual/physical prepaid card; no Australian Financial Claims Scheme protection stated for prepaid value.
Terms sections 1.1, 2.1, 19.7 (PDF page 20); PDS sections 1–3 · 条款核对日期: 2026-10-19
- App entity is distinct; programme manager not independently established.
来源: Crypto.com Visa Prepaid Card Terms (cdc-au-card-terms) FORIS GFS AUSTRALIA PTY LTD Product Disclosure Statement — Crypto.com Visa Prepaid Card Service (cdc-au-card-pds)
文件记载条款 · residence-target-market
Retail individual age 18+, domestic Australian resident address and eligible verified App; NZ legacy-card references are not new AU programme eligibility.
TMD Eligibility Criteria PDF page 3 (zero-based 2); terms section 2.1 · 条款核对日期: 2026-10-19
- TMD review date 2027-10-01 is not source expiry or applicant approval.
来源: FORIS GFS AUSTRALIA PTY LTD Target Market Determination — Crypto.com Visa Prepaid Card Service (cdc-au-card-tmd) Crypto.com Visa Prepaid Card Terms (cdc-au-card-terms)
文件记载条款 · funding-and-atm
AUD fiat stored value, supported funding conversion before loading; Midnight AUD 200 monthly ATM allowance then 2% excess; stated withdrawal ceilings apply.
PDS sections 2–3; top-up process; Midnight ATM allowance/limit rows · 条款核对日期: 2026-10-19
来源: FORIS GFS AUSTRALIA PTY LTD Product Disclosure Statement — Crypto.com Visa Prepaid Card Service (cdc-au-card-pds) How do I top up my Crypto.com Prepaid Visa Card? (Australia, including New Zealand residents holding Australia-Issued Cards) (cdc-au-topup) Crypto.com Prepaid Visa Card Fees and Limits (Australia, including New Zealand residents holding Australia-issued cards) (cdc-au-fees)
未决事实 · replacement-conflict
Unresolved replacement-card fee conflict: {"currentHelpAmount": 4.01, "olderPdsAmount": 10, "selectedAmount": null}
Current help replacement row versus PDS Appendix 2 · 条款核对日期: 2026-10-19
- Current-help effective replacement date and legal precedence not established; no amount chosen.
- Replacement only; first-physical fee is independently documented.
来源: Crypto.com Prepaid Visa Card Fees and Limits (Australia, including New Zealand residents holding Australia-issued cards) (cdc-au-fees) FORIS GFS AUSTRALIA PTY LTD Product Disclosure Statement — Crypto.com Visa Prepaid Card Service (cdc-au-card-pds)
文件记载条款 · physical-and-closure
First physical / closure costs: {"firstPhysical": 5.99, "closure": 10}
Australia Midnight physical and closure rows · 条款核对日期: 2026-10-19
- Legacy v1 aggregate limitation: No issuance/closure event selector.
- Corresponding event only.
文件记载条款 · funding-channel-fees
Funding channel fees: {"debitPercent": 1, "creditPercent": 2, "applePayPercent": 2}
Australia load rows · 条款核对日期: 2026-10-19
- Legacy v1 aggregate limitation: Funding channel is not a scenario input.
- Named load channel only.
文件记载条款 · foreign-transaction-fee
Non-AUD purchase and ATM charge: {"percent": 3}
Australia Midnight non-AUD row · 条款核对日期: 2026-10-19
- Known scalar FX is not consumed in productCost subtotal.
- Non-AUD purchases and withdrawals.
文件记载条款 · inactivity-fee
Monthly inactivity charge after twelve months: {"monthsInactive": 12, "monthlyAmount": 6}
Inactivity row; September 1, 2026 effective note · 条款核对日期: 2026-10-19
生效起日: 2026-09-01 · 有效截止日: 未知
- Legacy v1 aggregate limitation: No inactivity duration/state; older PDS AUD 5 is not substituted.
- Applies after twelve months inactive.
文件记载条款 · 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 · 条款核对日期: 2026-10-19
- ACTIVE is programme status, OPEN is a documented route, neither is a guaranteed personal approval.
来源: How to Apply for a Crypto.com Prepaid Card (cdc-card-application)
未决事实 · 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 · 条款核对日期: 2026-10-19
- Null is unknown or not represented in this model, not a documented zero.
文件记载条款 · 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 · 条款核对日期: 2026-10-19
- No annual amount field in cardSchema; this does not price a subscription.
来源: How to Apply for a Crypto.com Prepaid Card (cdc-card-application)
文件记载条款 · operating-limits
Captured operating ceilings: {"atmDaily": 2000, "atmMonthly": 10000, "atmYearly": 75000, "maximumBalance": 30000}. These are not authorization guarantees.
Australia Midnight ATM and maximum-balance rows · 条款核对日期: 2026-10-19
- Current amount/authorization and history were not tested.
文件记载条款 · application-formats
The common prepaid-card application help describes virtual and physical card formats and the virtual-then-physical process.
Prepaid card application steps: virtual card followed by optional physical card; distinct from US credit-card application · 条款核对日期: 2026-10-19
- Current individual application and delivery not tested.
来源: How to Apply for a Crypto.com Prepaid Card (cdc-card-application)
产品结构
- 提供商
- Crypto.com
- 发行方
- Foris GFS Australia Pty Ltd
- 项目管理方
- 未核验
- 卡类型与卡组织
- PREPAID / VISA
- 虚拟卡与实体卡
- 是 / 是
- 充值资产
- AUD
- 充值方式
- Supported crypto, fiat and payment-card paths; conversion/loading into AUD prepaid value before spending
- 托管模式
- CUSTODIAL
- KYC 要求
- REQUIRED
- 兑换机制
- The card uses fiat stored value; crypto funding is converted before loading. Current quote/spread is unknown; retail FX and counterparty-availability risks remain.
- 提现条件
- Midnight monthly AUD 200 ATM allowance then 2% excess plus possible operator costs; limits AUD 2,000/day, AUD 10,000/month, AUD 75,000/year.
- 质押要求
- 未核验
- 锁定要求
- 未核验
适用条件
AU
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. · TMD requires retail individual age 18+, domestic Australian resident address and eligible verified App; New Zealand legacy cardholders mentioned in fees are not proof of current NZ new eligibility.
资格核验日期: 2026-10-19
Foris GFS Australia Pty Ltd Foris GFS Australia Pty Ltd
费用与条件
- monthly: 0 AUD · 2026-10-19 · Crypto.com
- issuance: 未核验
- funding: 未核验
- conversion: 未核验
- spread: 未核验
- fx: 3% · 2026-10-19 · Crypto.com
- atm: 未核验
- withdrawal: 未核验
奖励与条件
未核验
风险披露
- 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.
- Terms section 19.7, PDF page 20 (zero-based 19), states e-money/prepaid value is not protected by the Australian Financial Claims Scheme. Provider safeguarding wording does not independently prove full recovery.
- TMD requires retail individual age 18+, domestic Australian resident address and eligible verified App; New Zealand legacy cardholders mentioned in fees are not proof of current NZ new eligibility.
- First physical AUD 5.99; debit load 1%, credit load 2%, Apple Pay load 2%; closure AUD 10.
- Non-AUD purchases/ATM 3%; after 12 months inactive AUD 6/month effective 2026-09-01; max balance AUD 30,000.
- Replacement fee unresolved: current help AUD 4.01 versus older PDS Appendix 2 AUD 10; neither amount is selected as authoritative pending reconciliation.