Crypto.com Adds FX Fees to Ruby, Jade and Indigo Cards in Europe and the UK
From 1 October 2026, Crypto.com's Ruby, Jade and Indigo cards in Europe and the UK pay FX fees on foreign-currency spending. The inactivity fee rises too.
From 1 October 2026, three of Crypto.com's prepaid Visa card tiers in Europe and the UK start paying foreign transaction fees. Ruby Steel, Jade Green and Royal Indigo have paid no FX fee until now. From October they pay a small fee on foreign currency inside the EU and UK, and 2% outside it above a monthly allowance.
The new FX fees
These apply to non-EUR purchases and ATM withdrawals on European cards, and non-GBP ones on UK cards.
Until 30 September 2026: only Midnight Blue pays a fee, 0.2% within the EU and UK and 2% outside. Every other tier pays nothing.
From 1 October 2026:
- Midnight Blue: unchanged. 0.2% within the EU and UK, 2% outside.
- Ruby Steel: 0.2% within the EU and UK. Outside, the first €400 (UK: £400) each calendar month is free, then 2%.
- Jade Green and Royal Indigo: 0.2% within the EU and UK. Outside, the first €800 (UK: £800) each calendar month is free, then 2%.
- Icy White, Rose Gold and Obsidian: still no FX fee.
What it costs
For a Jade or Indigo cardholder in Germany:
- €1,000 spent in Polish złoty (inside the EU): 0.2%, or €2
- €1,000 spent in Swiss francs (outside the EU and UK): the first €800 is free and the remaining €200 costs 2%, or €4
- €3,000 on a trip to the US: €800 free, then 2% on €2,200, or €44
Ruby's allowance outside the EU and UK is half that, €400 a month.
The inactivity fee rises too
Crypto.com charges a monthly inactivity fee once a card has gone 12 months with no activity you started yourself. It rises to €6 in Europe and £6 in the UK from 1 October 2026, up from €5 and £5. In the United States it rose to US$5.95 on 1 September 2026, from US$4.95.
Where we've updated
Our Crypto.com Visa review already shows the October FX rates for Europe and the UK in its FX-by-region table, and the new inactivity fees. If foreign-currency spending is what matters most to you, our fees table compares the FX cost of every card we track, and Nexo vs Crypto.com is a close comparison for European users.
Sources: Crypto.com Help Center, [Prepaid Visa Card Fees and Limits (Europe)](https://help.crypto.com/en/articles/5977463-crypto-com-prepaid-visa-card-fees-and-limits-europe-for-users-with-a-residential-address-in-europe), [(United Kingdom)](https://help.crypto.com/en/articles/5977242-crypto-com-prepaid-visa-card-fees-and-limits-united-kingdom) and [(United States)](https://help.crypto.com/en/articles/5966563-crypto-com-prepaid-visa-card-fees-and-limits-united-states), checked 18 September 2026.
Common questions
Which Crypto.com cards are affected by the October 2026 FX change?
Ruby Steel, Jade Green and Royal Indigo cards in Europe and the UK. Midnight Blue already paid FX fees and keeps the same rates, and Icy White, Rose Gold and Obsidian still pay no FX fee.
What will a Jade or Indigo card pay on foreign currency from 1 October?
0.2% on non-EUR (or non-GBP) purchases and ATM withdrawals within the EU and UK. Outside the EU and UK, the first €800 (or £800) each calendar month is free and 2% applies after that.
How much is Crypto.com's inactivity fee now?
It is charged monthly after 12 months with no card activity. It rises to €6 in Europe and £6 in the UK from 1 October 2026, and rose to US$5.95 in the United States on 1 September 2026.
Cards mentioned in this article
Card figures referenced here come from each issuer's published terms and each card page shows when its data was last verified — see our methodology for how, and the changelog for what has changed since. Rewards and availability vary by region and move often. Not financial advice.