Tap Card
by Tap Global Ltd
Tap Global offers a prepaid Mastercard linked to a crypto exchange, allowing users to spend crypto or fiat. While there are no monthly subscription fees, a £12.99 issuance fee applies to the physical card on all tiers. Users earn up to 8% cashback paid in XTP tokens and can access lower trading, FX and ATM fees based on their tier. Per Tap's Fees and Limits Schedule, ATM limits are the same on every plan (€300 per withdrawal, €4,000 per month); only the free ATM allowance and fee differ. Cashback levels, trading fee discounts, and card limits are strictly tied to the 'Premium Plans' which require a 12-month lockup of XTP tokens. The lockup amounts are fixed in EUR/GBP (e.g., €300, €2,500).
Unique Features
- No ATM fee on Platinum and Prestige plans
- Direct access to competitive crypto trading rates within the app
Pros
- High cashback potential (up to 8%)
- High monthly spending limits on top plans (€40,000 on Platinum and Prestige)
- No ATM withdrawal fee on Platinum and Prestige (€300 per withdrawal, €4,000/month)
- No monthly subscription fees on any tier
- Integrated exchange with multi-chain support
- Free top-ups via Bank Transfer (FPS/SEPA)
Cons
- High lockup requirements for best rates (€25,000 for 8%)
- 12-month lockup period is long
- Base tier benefits are minimal (0.5% cashback, standard fees)
- Physical card issuance fee (£12.99) applies to all users
- Cashback is paid in volatile XTP tokens, not Fiat
- 1.5% FX fee on Essential, Plus and Prime (1.0% Premier; free on Platinum and Prestige)
Integrations & Tech
Available In (28)
Tier Comparison
Essential
0.5% CashbackFee Structure
ATM Capabilities
Detailed Fee Structure
Top-ups via debit card 1.25-2.49% (EEA/UK), 4.49% (Non-EEA), 7.49% (Business)
£3 after 12 months
Detailed Limits
Fee Details
Tap Fees and Limits Schedule (terms.withtap.com, GB/EE, last published 7/8/2025): virtual card free; physical card £12.99 on every plan; replacement £4.99. FX charge 1.5% (Essential, Plus, Prime), 1.0% (Premier), free (Platinum, Prestige). ATM: 2% (min €2) above a €500/month free limit (Essential, Plus, Prime) or €1,000 (Premier); no ATM fee on Platinum and Prestige. Crypto trading fee 1.99% / 1.49% / 0.99% / 0.75% / 0.50% / 0.25% by plan. Wallet loads: Faster Payments, SEPA and instant bank deposit free; CHAPS/BACS €30; EEA/UK debit card 2.49% (Essential) down to 1.25% (Prestige), non-EEA/UK card 4.49%, business card 7.49%. Monthly inactivity fee £3.00 after 12 months with no load or card transaction. Chargeback, reverse-payment and investigation fees £25; redemption fee £10.
Limits & Conditions
Card spend (POS/e-commerce): Essential, Plus, Prime €2,500/day, €15,000/month, €50,000/year; Premier €10,000/day, €30,000/month, €80,000/year; Platinum and Prestige €15,000/day, €40,000/month, €120,000/year. ATM: €300 per withdrawal, €4,000 per month on every plan. Card loads: €5,000/day; max card balance €10,000 (Essential–Prime), €20,000 (Premier), €30,000 (Platinum, Prestige). Source: Tap Fees and Limits Schedule.
Crypto Capabilities
Security & Custody
Supported Assets
