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CCredits Debit Card logo

Credits Debit Card

Updated: Sep 14, 2026

Credits Debit Card is an international debit card linked to the Credits.com Super Wallet, combining a multi-currency account, EUR IBAN and custodial crypto wallet. After identity verification, users can apply for a virtual or physical card and spend from fiat accounts or balances converted from digital assets. It can be used for online shopping, in-store payments and cross-border purchases across Visa/Mastercard acceptance networks and supports Apple Pay and Google Pay. The Credits wallet also supports more than 40 digital assets, including BTC, ETH, USDT and USDC, and is intended for international users who need everyday banking payments and crypto conversion features.
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Card network
Product type
Crypto debit card
Card form
Virtual + physical card
Operating status
Active
KYC level
Full KYC
Commercial relationship
No commercial relationship
Risk score
70-79
Supported assets
USDTUSDCBTCETHLTCBCHDAI
Last updated
Sep 14, 2026

Official and company information

Issuer identity and company credentials

Credits.com is a fintech and digital asset service platform for individuals and businesses, offering multi-currency accounts, international transfers, IBAN, payment cards, crypto wallet and trading, and corporate payment services. The platform operates through a multi-jurisdiction legal entity structure, with the current main operating entity being Software C Sp. z o.o. in Poland, while also providing certain regional and payment services through entities such as SECURITY AND EXCHANGE INTERNATIONAL CO INC. in Canada and Unlimit EU Ltd in Cyprus.
Visit website Application page
Company / issuer
Credits.com
Legal name
Software C Sp. z o.o.
Registered region
Poland (PL)
Headquarters
Warsaw, Poland
Company type
Fintech
Verification status
Verified
Issuer website
Official link
Application page
Application link

Card overview

Credits.com brings together a multi-currency account, EUR IBAN, Visa/Mastercard Debit cards, SEPA/SWIFT transfers, and a custodial crypto wallet in a single app. Users can fund their accounts through bank transfers, external bank cards, or digital assets. They can exchange assets such as BTC, ETH, USDT, and USDC for fiat currency in the app and then spend with a debit card. The current Standard plan itself is free, and card and IBAN fees may be waived when monthly balance, spending, or referral requirements are met. The Premium plan costs €9.99/month and includes Debit Card and IBAN benefits. Credits offers both virtual and physical cards for everyday payments, cross-border shopping, mobile wallets, and cash withdrawals.
Mastercard / Visa card experienceRegional availabilityTerms may change
Notice: No additional notice is available.

Usage scale & trends

Usage data is not available for this card yet. It will appear here when available.

Card variants and fee differences

Compare verified fee records across card forms and tiers

Credits Debit Card
Card formVirtual + physical card
Fees
Monthly fee
0 EUR
€0–€5/month, Standard can be waived if conditions met
Card issuance fee
5 EUR
Standard €5, Premium free
ATM fee—
Foreign exchange fee
0.6 EUR + 2%
Charged for international card payments
Top-up fee
2%
2%–3%, min €0.40, for external bank card top-ups
Failed transaction fee—
Rewards
Cashback—
Crypto cashback—
Staking rewards—
Staking APR—
Welcome bonus
10 USDT
Complete specified tasks within 15 days
Referral bonus
25 USDT
Both parties get 25 USDT each, subject to top-up and spending conditions
Limits
Daily spending limit—
Monthly spending limit—
ATM withdrawal limit—
Card network

Fees may vary by region, card tier, and official policy. Verify the latest official terms.

Regions and language support

Application status based on public sources, official policy, and user reports. This is not application advice.

Available regions

Applications or normal card activation are supported

126
SlovakiaSKCroatiaHREthiopiaETEcuadorECFranceFRUzbekistanUZArgentinaARMadagascarMGNorth MacedoniaMKCape VerdeCVChileCLPeruPESurinameSRHondurasHNEquatorial GuineaGQGuineaGNNetherlandsNLColombiaCOSingaporeSGJordanJOAlgeriaDZJapanJPRomaniaROSwitzerlandCHQatarQAMarshall IslandsMHFijiFJLithuaniaLTTurkmenistanTMBeninBJLiechtensteinLIEgyptEGPortugalPTMaldivesMVSwedenSEArmeniaAMSt. Kitts & NevisKNGreeceGRIcelandISBelgiumBEAntigua & BarbudaAGLatviaLVPolandPLGermanyDEGrenadaGDGabonGANorwayNOSão Tomé & PríncipeSTAustraliaAUNamibiaNATunisiaTNMexicoMXMalaysiaMYLesothoLSSolomon IslandsSBTaiwanTWSpainESFinlandFISan MarinoSMDominican RepublicDOEstoniaEEGuyanaGYSouth AfricaZAChadTDCzechiaCZHong KongHKGambiaGMIrelandIEAndorraADTimor-LesteTLSouth KoreaKRVatican CityVAGuatemalaGTMozambiqueMZParaguayPYTogoTGUruguayUYGeorgiaGETanzaniaTZUnited Arab EmiratesAECosta RicaCRZambiaZMOmanOMBhutanBTTongaTOSerbiaRSNauruNRTajikistanTJAzerbaijanAZBrazilBRNew ZealandNZSloveniaSIDominicaDMSeychellesSCHungaryHUMontenegroMETuvaluTVKazakhstanKZItalyITMalawiMWSt. LuciaLCMacaoMOBahrainBHAustriaATSt. Vincent & GrenadinesVCLuxembourgLUThailandTHSamoaWSDjiboutiDJBruneiBNSaudi ArabiaSAPalauPWEl SalvadorSVDenmarkDKMongoliaMNNigerNEKiribatiKIMauritaniaMREritreaERComorosKMRwandaRWKyrgyzstanKGBelizeBZCyprusCYSri LankaLKMoldovaMD
Evidence
Officially supported

Unsupported or restricted regions

Applications or features are unavailable or restricted

71
VenezuelaVEPapua New GuineaPGSouth SudanSSCôte d’IvoireCIBahamasBSCameroonCMGuinea-BissauGWBurundiBITürkiyeTRIranIRMaliMLPanamaPACentral African RepublicCFAngolaAOAfghanistanAFBarbadosBBLiberiaLRIsraelILCongo - BrazzavilleCGJamaicaJMZimbabweZWSudanSDVietnamVNCanadaCAAlbaniaALCongo - KinshasaCDRussiaRUPhilippinesPHChinaCNMoroccoMALebanonLBIraqIQYemenYEMyanmar (Burma)MMSenegalSNBoliviaBOLaosLANepalNPNicaraguaNIMauritiusMUTrinidad & TobagoTTBosnia & HerzegovinaBAPakistanPKMonacoMCLibyaLYBritish Virgin IslandsVGBulgariaBGIndiaINIndonesiaIDBurkina FasoBFSomaliaSOBotswanaBWUgandaUGBelarusBYSyriaSYUnited StatesUSNigeriaNGVanuatuVUCubaCUKenyaKEHaitiHTCambodiaKHNorth KoreaKPMaltaMTGhanaGHBangladeshBDUnited KingdomGBCayman IslandsKYSierra LeoneSLUkraineUAKuwaitKW
Evidence
Officially restricted

Unconfirmed regions

Evidence is insufficient

0

No records

Evidence
Public sources

Availability in English-Speaking Markets

1. United States：Cannot apply，Can use，Credits’ international consumer card program is intended for non-U.S. customers and its account-opening rules exclude U.S. citizens, while an eligible card issued elsewhere can be used in the United States.
2. United Kingdom：Cannot apply，Can use，Credits explicitly blocks normal access by UK residents and only allows exceptional reverse-solicitation requests, while an eligible issued card is not prohibited from spending in the UK.
3. Canada：Cannot apply，Can use，Credits’ account-opening eligibility excludes Canadian citizens, so Canada is not a supported normal application market; an eligible card issued to a qualifying user can still be used in Canada.
4. Australia：Can apply，Can use，Australia is not on Credits’ card-issuance prohibition list and eligible residents can apply after completing the required account and KYC process.
5. South Africa：Can apply，Can use，South Africa is not prohibited for card issuance or spending and eligible residents can apply after completing Credits’ KYC and compliance checks.
6. New Zealand：Can apply，Can use，New Zealand is not on Credits’ card-issuance prohibition list and eligible residents can obtain the card after completing account verification.
7. Ireland：Can apply，Can use，Ireland is not restricted for card issuance or spending and eligible residents can apply after completing the required KYC process.

Updated: Sep 14, 2026

Policies may change at any time. Verify the latest issuer policy.

KYC requirements

Current identity-verification requirements and restrictions

KYC required

YesRequired

KYC level

Full KYCRequirement confirmed

Proof of address

YesRequired

Accepted documents

Passport / Government-issued ID

Review time / regional limits

Standard identity review takes about 5–6 hours; unusual documents go to additional manual review.

KYC provider

Not disclosed

Updated

Aug 11, 2026

Payment compatibility

Support status and update date by payment scenario · Actual availability may vary by region, merchant, and issuer policy

Compatibility overview12 scenarios
Supported12
Not supported0
UpdatedAug 11, 2026

Wallet payments

Alipay

Supported

Aug 11, 2026

Wallet payments

Apple Pay

Supported

Aug 11, 2026

Cash services

ATM withdrawal

Supported

Aug 11, 2026

AI tools

ChatGPT

Supported

Aug 11, 2026

AI tools

Claude

Supported

Aug 11, 2026

Wallet payments

Google Pay

Supported

Aug 11, 2026

AI tools

Midjourney

Supported

Aug 11, 2026

In-person payments

Offline POS

Supported

Aug 11, 2026

Online shopping

Online shopping

Supported

Aug 11, 2026

Wallet payments

PayPal

Supported

Aug 11, 2026

Subscriptions

Subscription payment

Supported

Aug 11, 2026

Wallet payments

WeChat Pay

Supported

Aug 11, 2026

Review

Read the editorial review, its verdict and latest update.

No review yet

No review has been published for this card. Published reviews appear here.

User reviews

Showing 10 approved reviews matched to this card

Newest first
Mohsen Ahmadigoogle_play★ 1 / 5

Credits.com. Buy and Sell BTC. Google Play review - 1 star

doesn't work for me
View original
Perkel84app_store★ 1 / 5

Absolute joke of a support – Payout blocked by system bug

The automated payout system completely rejects valid 20-character foreign IBANs (like Lithuanian ZEN.com accounts), claiming it's the 'wrong length'. Instead of fixing their buggy system or processing the transfer manually, customer support tells me to contact my bank. Complete nonsense and a cheap excuse to withhold funds. If this isn't resolved immediately, a formal complaint to the financial regulatory authorities will follow.
View original
Иван Ивановgoogle_play★ 5 / 5

Credits.com. Buy and Sell BTC. Google Play review - 5 star

Excellent service and product. It requires more development for few more services. However it does provide some connection which Revolut can't. Worth to try it out and use it. Very intuitive product!
View original
Ivan Ivanovtrustpilot★ 5 / 5

Everything were smooth

Everything were smooth. I'm using them regularly to receive funds in their platform. They reply fast. Also there are always online people (not chatbots) that can help you with your request. Even recently banking partner requested additional information and they didn't give up, helped me and I have received the funds. Yes, from time to time they are delays in the transfer, but that's a normal for almost every such provider. Especially when you are not transferring funds internally. They have SEPA and Swift available which is very rare. Also the crypto transfer is working like a charm!
View original
Michael Chassereaugoogle_play★ 5 / 5

Credits.com. Buy and Sell BTC. Google Play review - 5 star

OK
View original
tona comgoogle_play★ 1 / 5

Credits.com. Buy and Sell BTC. Google Play review - 1 star

fake app fake bank accounts
View original
Marvel & DC comics Unitetrustpilot★ 1 / 5

This is a fraudulent platform

This is a fraudulent platform, they debited my account €50 for an incoming payment which they themselves cancelled claiming the sender used “TARGET” instead of “SEPA” whereas the same sender’s previous payment from “TARGET” was accepted. Nowhere in their T&Cs , does it state there’s a 50€ penalty for such , or an prior warning against receiving payments using “TARGET”. I want my 50€ else i will take this up with the Central Bank in Cyprus. Scammers
Official reply
We’re sorry to hear about your experience. Please contact our support team with your account details and transaction reference so we can review this case and investigate what happened. We take concerns like this seriously and want to resolve them as quickly as possible
View original
Bruno Fernandestrustpilot★ 1 / 5

Charged for “bank taxes” on an unused account – unacceptable and unethical!

I opened an account with Credits.com but never used it — no transactions, no deposits, no withdrawals, nothing. Two months later, I was shocked to receive a request from them asking me to pay “bank taxes” despite the fact that I have never used the account in any way. This is unacceptable. No company should be charging customers for an unused account without clearly explaining such fees at the start. I never agreed to pay for something I didn’t use, and the lack of transparency is alarming. I have reached out to their support team for clarification, but so far, their response has been slow and unhelpful. I strongly advise anyone considering using Credits.com to read the fine print carefully and be aware that they may charge you for simply having an account — even if you never touch it. Until this issue is resolved and my account is closed without charges, I will not recommend their services to anyone.
Official reply
We’re sorry to hear about your experience. Please contact our support team with your account details so we can review the case and clarify the situation. We take transparency seriously and will look into this as a priority.
View original
Ellen Waaijertrustpilot★ 1 / 5

Not what I expected

The platform felt clunky, and half the features either didn’t work or were super confusing.
Official reply
Thanks for your feedback. We’re sorry the platform didn’t meet your expectations, and we’re actively working to improve both usability and feature performance. Your comments are helpful, and we’ll share them with our product team
View original
MH Tushergoogle_play★ 1 / 5

Credits.com. Buy and Sell BTC. Google Play review - 1 star

Dump app, west of time
View original

Risk factors

Updated: Aug 11, 2026

No risk factors are available

Frequently asked questions

Answers drawn from the published record on this page.

Does Credits Debit Card require KYC?

Our record lists the Credits Debit Card verification requirement as: Full KYC. Document and review details are in the KYC section of this page.

Does Credits Debit Card support Apple Pay and Google Pay?

Apple Pay: Supported. Google Pay: Supported.

Which assets can I top up Credits Debit Card with?

Our record lists Credits Debit Card support for: USDT, USDC, BTC, ETH, LTC, BCH, and DAI.

Is Credits Debit Card a virtual or a physical card?

Credits Debit Card is offered as: Virtual + physical card.

Where is Credits Debit Card available?

Our record lists 126 countries or regions as available and 71 as restricted. Country-by-country status is in the regions section of this page.

Who issues Credits Debit Card?

Credits Debit Card is operated by Credits.com on the Mastercard / Visa network.