A crypto card that no longer takes sign-ups, and what replaces it

Updated October 2026

Licensed

Available in US

Fast payouts

18+ Only

This is not a review of a card you can apply for today. The 1inch Card programme is being discontinued, new sign-ups are closed, and the people this page is really written for are the ones already holding a card with money on it and deciding what to do with it before the move-out date. I scored the card 4.4 out of 10, and you will see below exactly which marks come from where. The conditions described here are current as of 2026-10-20.

Conditions are current as of October 28, 2026.

The card itself was not a bad idea on paper. It was a physical and a virtual card issued by Crypto Life, powered exclusively by the Mastercard network, and it was designed for people who find an ordinary bank card hard to get. What sinks it is not the fees or the everyday use; it is that the programme is ending, and everything else in this review is read through that fact.

If you are here because you were told the card still works, or because you saw a list of fees somewhere and want to know whether you missed something, jump to the section on what happened first. If you are looking for something to open instead, the alternatives section is where you should start.

Verdict: 4.4 out of 10

The 9 out of 10 for everyday use is worth pausing on, because it is the mark that a person shopping today would care about most, and it was the one thing this card did well. A physical card and a virtual card, usable in a wallet on a phone, spending from a balance you control the timing of. If the programme had been open, that would have carried the card. It is closed, so the mark is history.

The 0 for who can get it is not a complaint about eligibility rules; it is a zero because there is no application to pass. That single number drags the total down more than anything else on this page.

The cost mark of 7 is generous, and I want to be honest about the asterisk attached to it. The card’s own public pages do not publish a fee schedule: cost, fees, limits, ATM terms, funding options and reward rates are all simply not stated there. The numbers in that row come from third-party sites, which are unofficial and which the card itself never confirmed. I have included them because they are what circulated, but I have not treated them as facts about this programme.

So who does this card suit now? Only one group: existing cardholders who need to withdraw or spend a remaining balance and need to understand who holds their money and by when. Everyone else should read this as a closed product and start with the alternatives.

What happened to the programme

The timeline is short and the notice is not detailed. The card launched on 8 April 2024 with Mastercard and Crypto Life, in a blog post that was later updated on 8 May 2026. Then a discontinuation notice went up: new sign-ups are closed, and the recommended move-out date is 18 December 2026. The notice itself carries no date of publication.

The names behind the programme are more informative than the notice. The card provider is Crypto Life, legally Frozen Time UNIPESSOAL LDA in the EU or Baanx Group Ltd in the UK. The money sits in an e-wallet issued by Monavate, Monavate Ltd in the UK or UAB Monavate in the EU, an authorised e-money institution. Identity checks were handled by Crypto Life, and the card’s own pages do not state what those checks required. There is no country list on the notice, no fee schedule, no details of delivery, no stated currencies, no reward terms, no tiers and no stated supported wallets. Where a fact is not on the card’s public pages, it is not on this page either.

Identity verification is the part people ask about most, and here the honest answer is thin. Unofficial reports say the card was offered in the EEA and the UK and not in the US, that KYC was required, and that a basic tier with lower limits existed. None of that is confirmed by the card. Do not build a plan on it.

The same applies to rewards. Unofficial reports describe 2% cashback in BXX or 1% in BTC/USDT, chosen at purchase, and the page doing the reporting is internally inconsistent about whether that means “1INCH tokens” or BXX. With the programme closing, the point is close to moot: there is no published schedule to claim against.

One structural fact explains most of the confusion around this card, and it will also matter to you if you hold one. 1inch is a crypto brand, not the institution that holds your balance. The card network routes the payments, the issuer holds the programme, and the crypto name is often only the front. For this card, the balance sits in an e-wallet issued by Monavate, not by 1inch. That distinction decides who you write to when something is wrong.

If you already have the card

This is the section that matters, so read it twice if you have a balance.

• Users are advised to withdraw or spend the balance as soon as reasonably possible by signing in to the card account.
• The furthest foreseeable date given is 18 December 2026.
• Those timelines are set by the issuer and provider, not guaranteed.
• The balance sits in an e-wallet issued by Monavate, not by 1inch.
• Under section 16 of the issuer’s card terms, remaining e-wallet funds can be redeemed for up to six years after account closure.
• Withdrawal fees are not stated.

That six-year redemption right in the issuer terms is the one piece of comfort in this section, and I would still not lean on it. It is a term in a contract, not a schedule of what will actually happen to your money in practice, and it sits alongside a closure the issuer did not choose. If you can move the money now, move it now. If you cannot, the redemption clause is what you have, and knowing it exists matters more than reading it as a promise.

Support routing is split, and knowing which door to knock on saves weeks. Card balance, status, KYC, closure and personal-data requests go to Crypto Life support, by email or the chat inside the card account. If Crypto Life does not respond, you contact 1inch support with the request, the date and the channel you used; 1inch logs the case and escalates, but cannot action account-level requests itself. Languages and support hours are not stated. In practice this means an account-level problem is Crypto Life’s to solve, and 1inch is a route for escalation, not a resolution.

Everything else you might want to check is not on the card’s public pages. ATM fees, daily spending limits, ATM limits, funding routes, the refund or dispute process: not stated. Unofficial reports put the ATM fee at 2% with a $500 daily ATM limit, the daily spending limit at $8,000, and the spendable assets as 1INCH, ETH, USDT, USDC, BTC, LTC, XRP and BXX. A directory listing gives EUR 8K daily and EUR 5K monthly. Treat all of it as indicative of what circulated, not as terms you can rely on.

What the card did need, per the launch blog, was crypto in your 1inch Wallet, converted to fiat at the moment of payment. That model is why this section is short: there is no large funding menu to work through, only a balance to move.

What can go wrong

The complaints here are not about the card being badly run day to day. They are about a programme ending and money in transit when it does.

The official position is that the programme is being discontinued, balances should be moved at the latest by 18 December 2026 within timelines set by the issuer and provider, and remaining e-wallet funds remain redeemable for up to six years after account closure under section 16 of the issuer terms. No card-specific user reports were found. The Trustpilot score for 1inch overall, via Traders Union, is 4.2 out of 5 from 543 reviews, the latest review dated 2 July 2026.

Trustpilot itself, read on 2026-10-20, tells a slightly different story: 3.6 out of 5 from 547 reviews, only 6 of them in the last 12 months, 79% five-star and 5% one-star, with the company replying to 16% of negative reviews. I would rather give you both numbers than pick the flattering one.

The user report themes about the card are more specific than the rating, and they cluster on one thing: deposits that did not land.

• A USDC deposit to the “1inch crypto card” was confirmed on-chain but not credited (1 October 2026).
• A card transfer never arrived (30 September 2026).
• A USDC deposit sat uncredited for more than 20 hours, with the answer “under review” (1 September 2026).
• A withdrawal was pending for more than 30 days (February 2026, wallet).
• Slow, generic support replies (June 2025, October 2025, June 2026).

Read that list as a warning about timing rather than as a verdict on any individual case. A deposit that is visible on-chain but not credited is exactly the situation that gets worse when the provider behind the credit is winding down. That is the risk I would weight heaviest, and it argues for moving money while the plumbing still works.

On custody and security, the facts are these. Funds are held in an e-wallet at an authorised e-money institution, Monavate, not by 1inch, and closure and account requests are handled by Crypto Life. Whether two-factor authentication, instant freeze and spending controls exist: not stated. The launch blog’s wording on custody is ambiguous, saying users keep control while still retaining custody, which is a sentence that means two different things to two different readers. I would not rely on it either way.

The wider pattern is worth knowing, because this card is not an isolated case. Programme closures typically run in stages: a notice period, then spending and loading stop, then users are asked to withdraw. Visa terminated its global agreements with FTX on 13 November 2022 and the FTX US debit card was wound down by its issuer. WaveCrest, a Visa issuer that supplied crypto card brands, was suspended by Visa in Europe in 2018, closing all WaveCrest-issued Visa programmes. A 2026 closure reported by a single secondary source had new loads ending 8 July 2026 and spending stopping 8 August 2026; that one figure is unconfirmed and I include it only to show the shape of these events.

And the reason a card programme can end at all is worth keeping in mind: Visa and Mastercard do not issue crypto cards to consumers themselves. They license issuers and can suspend a programme. In this case the card ran on the Mastercard network, so the programme’s fate sat above the crypto brand, with the crypto brand as the front.

What to take instead

All three alternatives below scored higher than 1inch, and each is open. I have kept their own terms as published, with their gaps marked, because the gaps are where you will get hurt.

MetaMask

MetaMask Card is the strongest of the three on the numbers, at 7.1 out of 10. Sign-up is open in 45 listed countries and territories, with Andorra, Argentina, Brazil, Canada, Mexico, Germany, France, Spain and Uruguay among them, and other regions on a waitlist. Proof of residency is required; the card says ineligible regions limit sign-ups rather than spending. Citizenship rules are not stated. US and UK sign-ups are temporarily closed per the FAQ, which is exactly the sort of thing to check before you plan around it.

On cost, the Virtual card is free with no annual or maintenance fee, and Metal is $199/year. Fees are described as a “minimal fee for each transaction” with the amount not stated on the pages I read, a linked fee table, no additional MetaMask fees, and no foreign transaction fee since the Mastercard rate is used. A virtual card is issued first and instantly, Metal can be pre-ordered in the app after Virtual approval, and there is one card per user. Issuer Monavate, card provider Crypto Life, and card currency not stated.

Funding is the interesting part: it spends directly from the connected wallet on Linea, Base, Monad and Solana, with tokens named as mUSD, wETH, EURe, GBPe, USDC and USDT, the page saying nine. Solana-only wallets cannot withdraw credit. Rewards are mUSD cashback into the Money Account, 1% on Virtual and a headline 3% on Metal, though the footnote limits 3% to the first $10,000 spent and then 1%, plus a $FLY bonus of 5X on Virtual and 7X on Metal through the Blackbird dining app.

KAST

KAST sits at 6.1 out of 10 and is the most expensive by a wide margin. Standard is 0 USD a year, Premium is 1,000 USD/year and Private is 10,000 USD/year, billed annually upfront with no monthly option. An extra virtual card is 2 USD, and 2 USD also applies in some regions to the included Standard virtual cards. A Standard physical card is 0 USD plus 40 USD delivery, while Premium and Private physical cards are included. There is a 1 USD/month inactivity fee after 12 months, and renewal and reactivation fees exist with amounts not stated.

Eligibility is residence-based and shown at KYC: if your country is not listed, KAST is not available there. The country list is not published, a Restricted Locations list is referenced without naming countries, and citizenship is a separate axis. If you live in a supported country but hold an ID from a restricted region, you may still fail KYC. Dual citizens with an ID from a supported country may pass. Only the account holder’s own ID is accepted and a VPN does not bypass this. You can create an account in an unsupported country, but KYC stays locked.

The cards are virtual and physical, up to 10 per user: Visa Platinum for Standard, Visa Infinite metal for Premium, Visa Infinite gold plated for Private, with other designs including Pengu, Solana and Bitcoin. The balance is in USD, with stablecoin deposits converted 1:1 at a 0% spread. Fees: stablecoin top-up 0%, card spend in USD 0%, transaction fee 0%, Apple and Google Pay 0%, non-USD FX 0.5% to 1.75% depending on your residence country, transaction country and card programme, non-USD transactions under 25 USD at 0.10 USD, and a declined transaction for insufficient balance at 0.50 USD. Non-stablecoin tokens may be auto-converted at a fee shown in the app.

Funding is USDT, USDC, PYUSD and RLUSD, with USDT and USDC on Ethereum, Solana, Polygon, Arbitrum and TRON as the app lists current networks, and no bank account needed. The Terms say acceptable tokens are “currently USDT and USDC”, which conflicts with PYUSD and RLUSD on the marketing page, so treat the Terms as the better guide. Spending comes from your own balance and each purchase is deducted straight away, not credit. Cashback is USD: 1.5% on the first 2,000 USD/month on Standard, 2% on the first 10,000 USD/month on Premium, 3% on the first 40,000 USD/month on Private, paid when the transaction is authorised, plus KAST Points of none on Standard, +1% on Premium and +2% on Private of eligible spend.

Zeal

Zeal also scores 6.1 out of 10 and is the one with the least published. You can spend in 150+ countries, with issuance depending on eligibility and regional availability. The card programme is live in the EU, UK, Brazil, Colombia, Mexico, Japan, Singapore, Philippines, Indonesia and Thailand, and Zeal update notes also mention Mexico, Colombia and Bolivia.

The card is a Visa, virtual for online use and addable to Apple Pay, with accounts in EUR, USD and GBP under Gnosis Pay. Physical: not stated. Cost: not stated, with no fee schedule on zeal.app or the App Store. Zeal charges no additional FX fee and converts at the Visa wholesale rate, though Gnosis Pay fees, for example on ATM withdrawals, may still apply. Spending comes from balances in the card Safe, EUR, USD and GBP stablecoin accounts, on Gnosis Chain and Celo per the docs, with the exact coins not stated for Zeal. Rewards are up to 4% cashback paid in GNO on Gnosis Chain, GNO must be held in the card Safe to qualify, rates can change, and the App Store also advertises up to 5% variable APY on EUR and USD balances.

Two practical notes that apply to all three. First, card currency is not stated for MetaMask, and KAST’s non-USD FX fee of 0.5% to 1.75% is the number to watch if you spend outside the US or transact in a currency other than the dollar. Second, on the security features I looked for, none of the three publishes a clear position on two-factor authentication, instant freeze or spending controls in what I read.

Who I would recommend it to

Nobody, as something to open. This is a closed programme, and recommending it to anyone would be recommending a decision that has already been made for you.

I would recommend this page to you if you fall into one of these groups:

• You hold a 1inch Card with a balance and want to know where that money actually sits. It is in an e-wallet issued by Monavate, not by 1inch, and that changes who you contact.
• You are within the 18 December 2026 move-out window and have been treating “the card still works” as good news. Spending is not the same as safety; the balance is what you want out.
• You were about to apply. Sign-ups are closed, so this is where you find out before you waste an afternoon on a form.
• You are comparing what to open next, and you want the comparison in one place rather than three marketing pages.

And here is the general shape of the thing, because it outlives this particular card. A crypto card is a payment card that draws on a stored balance, converted from crypto, rather than a debit card that pulls from your bank account at the moment of purchase. Several parties sit behind it: the network routes the messages and sets the rules, the issuer holds the programme, and the crypto brand is often just the front. An electronic money institution in the EU can issue e-money, payment cards and e-wallets but cannot lend. And under EU markets-in-crypto-assets rules, e-money tokens may be issued only by a credit institution or an electronic money institution, with the MiCA transitional period running until 1 July 2026 or until authorisation is granted or refused, whichever comes first.

What that means in practice is that the crypto name on the front of the card is rarely the party you are trusting with your money. Here it was an e-money institution in the UK or the EU, and the card provider was a separate company. Check who issued the balance before you check who marketed the card.

Frequently asked questions

What is the 1inch Card?

It was a physical and virtual payment card issued by Crypto Life, powered exclusively by the Mastercard network, launched on 8 April 2024. It spent from a balance converted from crypto in your 1inch Wallet rather than from a bank account. The programme is now being discontinued, so no new sign-ups are accepted and the card is closing rather than launching.

How did the 1inch Card work?

You held crypto in your 1inch Wallet and the card converted it to fiat at the moment of payment, per the launch blog. Behind it sat a stack: Mastercard routed the payments, Crypto Life issued the cards and handled identity checks, and the balance itself lived in an e-wallet issued by Monavate. That last detail is the one that mattered when the programme began closing.

Is 1inch a bank?

No. 1inch is a crypto software brand, and the card provider was Crypto Life, legally Frozen Time UNIPESSOAL LDA in the EU or Baanx Group Ltd in the UK. The balance sat with Monavate, Monavate Ltd in the UK or UAB Monavate in the EU, an authorised e-money institution. An e-money institution can issue cards and wallets but cannot lend you money.

Who owns 1inch?

The card’s own pages do not state the ownership of the company behind 1inch, and I am not going to guess at it. What is documented is the chain of parties on the card: 1inch as the brand, Crypto Life as provider, Monavate as the issuer of the e-wallet holding the balance, and Mastercard as the network. That structure is what you need when a support request goes unanswered.

Can I still apply for a 1inch Card?

No. New sign-ups are closed as part of the discontinuation, and the notice carries no country list, no eligibility rules and no published date for its own posting. If you were told otherwise, the notice is what the card’s public pages say. You need to move to one of the alternatives instead.

When do I have to move my money out?

The recommended date given is 18 December 2026, and the advice is to withdraw or spend the balance as soon as reasonably possible by signing in to the card account. Those timelines are set by the issuer and provider and are not guaranteed. Separately, the issuer’s card terms in section 16 allow remaining e-wallet funds to be redeemed for up to six years after account closure.

Is the 1inch Card safe to use?

It was a Mastercard product with the balance held at an authorised e-money institution, not by 1inch, and it scored 9 out of 10 on everyday use. But whether two-factor authentication, instant freeze and spending controls existed is not stated on the card’s public pages, and the launch blog’s custody wording is ambiguous. With the programme closing, safety now means withdrawing, not spending.

How much did the 1inch Card cost?

The card’s public pages do not state a fee schedule, so there is no official figure to give you. Unofficial reports put the annual fee at 0 USD, FX at 0%, crypto conversion at 1.75% on every transaction, and the ATM fee at 2% with a $500 daily ATM limit. Another aggregator reported a 2% card spend fee alongside the 1.75% conversion fee. None of it is confirmed by the card.

What did people complain about?

The themes are about money in transit, not card quality: a USDC deposit confirmed on-chain but not credited (1 October 2026), a card transfer that never arrived (30 September 2026), a USDC deposit uncredited for over 20 hours (1 September 2026), a withdrawal pending over 30 days (February 2026) and slow generic support (June 2025, October 2025, June 2026). Trustpilot showed 3.6 out of 5 from 547 reviews for 1inch overall when read on 2026-10-20.

What should I open instead?

MetaMask Card scored 7.1 out of 10, with a free virtual Mastercard and a $199/year Metal option, spending directly from your connected wallet, and sign-ups open in 45 listed countries and territories though US and UK sign-ups are temporarily closed per its FAQ. KAST and Zeal both scored 6.1. All three are open programmes with published terms, which is the main thing this one no longer has.

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