Обзор карты CEX.IO: анализ функций, преимуществ и комиссий.

Now more than ever, users want smooth ways to spend their crypto, instantly, securely, and without the need for manual conversions. The CEX.IO Card promises exactly that, giving users a virtual crypto debit card designed for quick spending and real-time crypto-to-fiat transactions.

Built to integrate smoothly with your CEX.IO wallet, this card lets you pay online or in-store while holding your assets in crypto until the moment you spend. No physical card, no delays, just straightforward usage.

We review the CEX.IO Card in full, including its features and fees. Important update: as of February 3, 2026, payments with the CEX.IO Card are unavailable. On January 21, 2026, the Polish regulator (KNF) withdrew the authorization of Quicko, the card’s programme partner, so CEX.IO paused new-card issuance and suspended card payments while it works on a replacement programme. The details below describe the card as it operated and may change if a new programme launches.

Основные выводы

• Note: CEX.IO Card payments have been suspended since February 3, 2026, after its programme partner lost its license, and new-card issuance is paused. The points below describe the card as it worked. When active, the CEX.IO Card functioned as a virtual crypto debit card that let users spend crypto without a physical card.

• Real-time crypto-to-EUR conversion provides flexibility for smooth daily transactions.

• No physical card is issued, but it’s compatible with цифровые кошельки как Apple Pay и Google Pay.

• Competitive fees and simple integration make it practical for active CEX.IO users.

• Currently unavailable to U.S. residents, limiting accessibility for some potential users.

Key Features of the CEX.IO Card

Here are the important features of the CEX.IO card:

Поддерживаемые криптовалюты и фиатные валюты

The CEX.IO Card supports 100+ криптовалюты available on the CEX.IO platform. This includes major coins like Bitcoin (BTC), Ethereum (ETH), stablecoins such as USDT and USDC, as well as altcoins и мемкойны like DOGE, SHIB, UNI, and ATOM.

Карта конвертирует криптовалюту в евро для совершения транзакций, что делает ее удобной для использования по всей Европе и за рубежом.

Поддерживаемые страны

As of now, the CEX.IO Card is available exclusively to EEA (European Economic Area) residents. Some of the supported countries include Austria, Belgium, Bulgaria, Croatia, and many more across Europe. 

Карту можно использовать для покупок и снятия наличных в более чем 150 странах, даже если она выпущена только для пользователей из стран ЕЭЗ.

Usage Scope: Online, In-Store & Withdrawals

The CEX.IO Card functions like a traditional debit card. It can be used online and in physical stores. Whether you’re shopping online, dining out, or traveling, the card offers smooth payment options wherever Mastercard is accepted.

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Мгновенная конвертация криптовалюты в фиат

The card offers real-time conversion of crypto into fiat at the time of transaction. This means you don’t need to manually convert or preload fiat. Just spend your crypto directly, and it automatically converts to Euros when you make a purchase.

Снятие в банкоматах

The card does not support cash withdrawals at ATMs. It’s a virtual-only card.

Интеграция мобильных приложений

You can manage your card directly through the CEX.IO Mobile App, available on both iOS и Android. The app allows you to monitor balances, view transaction history, convert crypto, and manage your card settings on the go.

Отслеживание транзакций в реальном времени

CEX.IO provides instant notifications for each transaction. Users can track spending, conversions, and withdrawals in real-time through the app, ensuring transparency and control over their funds.

Параметры безопасности 

CEX.IO Card uses industry-leading security features, including:

• Two-Factor Authentication (2FA) for logins and transactions

• Biometric authentication in the app

• PIN code, 3DSecure, and CVV2 for card security

• Instant freeze/unfreeze option in case of loss, theft, or suspicious activity

Debit or Credit?

The CEX.IO Card functions as a debit card, not a credit card. It draws funds from your crypto wallet balance on CEX.IO, converting crypto to fiat only when you spend.

Card Denominated In

The card is denominated in Euros (EUR), making it ideal for use across the EEA region. All crypto is converted into EUR at the point of transaction, streamlining your international spending experience.

How CEX.IO Works as a Crypto-Funded Debit Card

Issued by the reputable financial institution Quicko Sp. z o.o., the CEX.IO Card functions as a crypto-funded debit card that connects directly to your CEX.IO Wallet balance. It bridges the gap between cryptocurrency holdings and everyday spending, offering users a smooth way to use digital assets for both online and in-person purchases.

Когда держатель карты совершает транзакцию с использованием карты CEX.IO, выбранный цифровой актив мгновенно конвертируется в фиатную валюту (а именно, евро) по текущему обменному курсу. 

Эта конвертация в режиме реального времени гарантирует, что платеж обрабатывается так же, как и любая стандартная покупка с использованием дебетовой карты, позволяя пользователям тратить криптовалюту без необходимости предварительной ручной конвертации или перевода.

Процесс удобен для пользователя и полностью интегрирован с мобильным приложением CEX.IO, где участники могут отслеживать баланс кошельков, привязывать предпочитаемые криптовалюты для расходов и отслеживать транзакции в режиме реального времени. 

The app also enables eligible users to fund their бумажник, transfer assets, or buy crypto through a variety of supported payment methods, including bank cards and wire transfers.

How to Get a CEX.IO Card

Here’s everything you need to know about how to get a Cex.io card and activate it:

Step-by-Step Guide: Sign-Up, KYC Verification & Card Order Process

Download the CEX.IO Mobile App

Begin by downloading the CEX.IO App from the Google Play Store or Apple App Store, available for Android and iOS devices.

Создайте учетную запись или войдите в систему

Open the app and either sign up or log in with your existing CEX.IO credentials.

Полная проверка личности (KYC)

To comply with international KYC and AML regulations, CEX.IO requires identity verification. This includes:

• Entering your residential address

• Uploading a valid ID document (passport, national ID, or driver’s license)

• Completing a facial recognition scan

• Filling out a short source of funds questionnaire (required in some regions)

Access the Card Tab

After verification, swipe left from the app’s home screen to access the Card tab, then tap “Claim CEX. IO Card.”

Link Preferred Currencies

Choose up to 4 cryptocurrencies to link to your card. EUR (Euro) is preselected and cannot be removed. These selected assets will fund your transactions.

Set Asset Priority

Arrange your selected currencies in order of priority. The card will automatically use the first asset with an available balance to fund your transactions.

Подтвердить и отправить

Agree to the Terms and Conditions, verify your address if prompted, and complete the setup.

В течение 5–10 минут вы получите push-уведомление, подтверждающее выпуск вашей карты.

Activation can be done instantly after setup and is ready to use within minutes. Upon receiving the card, follow the activation instructions in the app. You’ll be able to set a PIN, enable card controls, and start using it globally.

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CEX.IO Card Benefits and Rewards

The CEX.IO Card offers much more than just a convenient way to spend your cryptocurrency; it transforms your digital assets into real-world purchasing power while rewarding you for every transaction. 

Here’s a breakdown of the key benefits and rewards users can enjoy:

Spend Crypto Instantly and Effortlessly

With the CEX.IO Card, there’s no need to manually convert crypto to fiat before making purchases. Your selected digital assets are automatically converted to EUR at the point of sale, allowing you to pay instantly and smoothly at millions of merchants worldwide.

Accepted in Millions of Locations Worldwide

The card is accepted globally, anywhere Mastercard is supported. Whether you’re shopping online, dining out, or traveling abroad, the CEX.IO Card gives you the freedom to use your crypto like traditional money, across 150+ countries and countless businesses.

Вознаграждения за криптокэшбэк

CEX.IO Card users benefit from a unique Cashback 2.0 promo. Every time you spend €1 or more, you’ll receive a random crypto reward, including popular coins like Bitcoin (BTC), Ethereum (ETH), Dogecoin (DOGE), and more. 

The larger your purchase, the bigger your potential crypto prize, giving you an incentive to keep using the card for everyday transactions.

No More Complex Conversions

Unlike other crypto payment methods that require third-party exchanges or wallet transfers, the CEX.IO Card provides automated crypto-to-fiat conversion. Transactions are executed at the best available market rate, saving you time and effort while optimizing value.

All-in-One Mobile Payment App

Manage your spending, monitor your wallet balance, and set up your card directly through the CEX.IO Mobile App. This intuitive all-in-one platform allows users to access their funds, choose which cryptocurrencies to spend, and track rewards, all from a single dashboard.

Free to Order

The CEX.IO Card is free to claim for eligible users. There’s no issuance fee, and the setup process can be completed within minutes through the app. Plus, it works with Apple Pay and Google Pay, adding even more flexibility and speed to your payments.

Сборы и лимиты

Категория	Описание
Комиссия за выпуск	Free – No cost to order via the CEX.IO mobile app
Ежемесячная/ежегодная плата	None – €0 maintenance or subscription charges
Card Payments (EUR)	Free – No transaction fee for purchases in EUR
Card Payments (Other Currencies)	1% markup – Applied for currency conversion outside EUR
Ежедневный лимит расходов	€3,000 (or crypto equivalent)
Ежемесячный лимит расходов	€10,000 (or crypto equivalent)
Количество транзакций в день	Up to 25 transactions per day

When choosing a crypto debit card, transparency and cost-effectiveness are key. The CEX.IO Card stands out with no hidden fees and generous usage limits, making it a top choice for everyday crypto spending.

Комиссия за выпуск

There is no issuance fee for the CEX.IO Card. It’s completely free to order for eligible users via the CEX.IO mobile app.

Monthly / Annual Maintenance Charges

The CEX.IO Card comes with zero monthly or annual management fees. Users can enjoy full access to card services without worrying about recurring costs or subscription fees.

Операционные издержки

• Card payments in EUR (Euro): Бесплатно

• Card payments in other currencies: 1% markup

This fee applies when making purchases in currencies other than EUR, due to exchange rate adjustments. There are no additional transaction fees for using the card at merchants or online within the supported scope.

Card Limits

CEX.IO sets practical and user-friendly spending limits to accommodate both everyday users and more active spenders:

• Дневной лимит расходов: €3,000 (or equivalent in crypto)

• Ежемесячный лимит расходов: €10,000 (or equivalent in crypto)

• Количество транзакций в день: Up to 25 card payments per day

These limits apply to all card transactions, including online and in-store.

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Pros and Cons of CEX.IO Card

Плюсы

• Offers real-time crypto-to-fiat conversion for smooth transactions.

• No issuance, monthly, or annual maintenance fees.

• Compatible with Apple Pay and Google Pay for contactless payments.

• Supports up to 100+ cryptocurrencies and one fiat with customizable payment priority.

• Accepted globally in over 150 countries for both online and in-store use.

• Comes with strong security features including 2FA, PIN, biometric login, and card freezing.

• Fully integrated with the CEX.IO mobile app for complete balance and transaction control.

Минусы

• Currently available only to residents in the EEA region.

• Does not support funding directly from the Savings account.

• Requires a mobile app for account verification, excluding full setup on desktop.

Заключение

The CEX.IO Card offers a streamlined way to use crypto for everyday payments through its virtual crypto debit card format. With real-time conversion, competitive fees, and smooth integration with the CEX.IO platform, it’s built for users who value speed, simplicity, and control. 

While it lacks a physical card and has regional limitations, its strengths in digital convenience and crypto utility make it a solid choice. If you’re already part of the CEX.IO ecosystem, this card could add real value to how you manage and spend crypto.

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