Tap Global prepaid Mastercard linked to a crypto exchange. Up to 8% cashback paid in XTP tokens. Higher tiers unlock lower trading fees and higher ATM limits via 12-month XTP lockup (€300-€2,500). No monthly subscription fees.
The headline rate is usually the top of a band, not a flat rate on everything. In practice most spending earns the base rate, and the higher figure applies to selected merchants, campaigns or staking tiers.
Reward summary
Up to Up to 8%, in xtp tokens, paid in XTP (Tap Token).
PLANS & TIERS
Compare the plans
This card has 4 plans. Select one to see its rate, fees and perks.
Standard (no XTP)
Requirement: No XTP staking — default entry level
0.5%
Cashback
PRICE
Free
ATM FEE
Free up to €500/mo, then 2%
FX FEE
0.5%
WHAT'S INCLUDED
✓0.5% XTP cashback (capped at €150/month)
✓1% conversion fee
✓€500/month free ATM
✓€15,000 monthly spending limit
✓Free virtual card
Plan
Standard (no XTP)
Gold (€2,500 XTP)
Platinum (€15,000 XTP)
Prestige (€25,000 XTP)
Cashback
0.5%
2%
6%
8%
Price
Free
Free + 12-month XTP lockup of €2,500
Free + 12-month XTP lockup of €15,000
Free + 12-month XTP lockup of €25,000
ATM fee
Free up to €500/mo, then 2%
Free up to €500/mo, then 2%
Free up to €1,000/mo, then 2%
Unlimited free ATM
FX fee
0.5%
0.25%
0.25%
0.25%
Requirement
No XTP staking — default entry level
Lock €2,500 worth of XTP for 12 months
Lock €15,000 worth of XTP for 12 months
Lock €25,000 worth of XTP for 12 months
COSTS
Fees you'll actually meet
Annual fee
Cost to hold the card each year
Free (no subscription fee)
Monthly fee
Recurring account cost
None
FX spread
Applied on foreign-currency spend
0.5% Standard; 0.25% Prestige
ATM withdrawal
Cash withdrawal cost
Free up to €500/mo (most tiers); Unlimited (Prestige)
Crypto conversion
When spending crypto directly
1% Standard; 0.5% Gold; 0.25% Platinum/Prestige
Issuance fee
One-off cost to get the card
£12.99 physical card (all tiers)
ℹ️ In XTP tokens
VERDICT
Strengths and trade-offs
WORKS FOR YOU IF
✓Up to 8% cashback
✓No monthly fees
✓0% FX fees
✓Apple Pay and Google Pay
✓EU and UK coverage
LOOK ELSEWHERE IF
!£12.99 physical card issuance fee
!Cashback requires 12-month XTP lockup
!Rewards in XTP — smaller token
!Tier perks locked for 12 months
STANDOUT FEATURES
What sets it apart
✦Integrated crypto exchange
✦XTP staking for tier unlocks
✦Lower trading fees on higher tiers
✓ Apple Pay✓ Google Pay✓ iOS app✓ Android app
ABOUT THIS CARD
Common questions
Where can I use the Tap Card?
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Does the Tap Card have an annual fee?
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How much can I earn with the Tap Card?
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Does it work with Apple Pay and Google Pay?
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Figures on this page come from Tap Global Ltd's published card terms. Rewards, fees and availability change often and vary by region. See our methodology for how we score and verify every card. This is not financial advice.
