Card database / Mastercard / Crypto prepaid card

Tap Card

Updated: Sep 15, 2026

The Tap Card is a crypto asset payment card offered by Tap Global. Users can hold, buy, sell, and convert cryptocurrencies in the Tap app and use the converted fiat balance for card purchases. The product offers virtual and physical cards and supports online payments, in-store card payments, and ATM withdrawals at Mastercard merchants worldwide. Its six plans, from Essential to Prestige, provide different levels of XTP cashback, spending limits, and withdrawal benefits. It is suitable for users who need integrated crypto asset management, fiat accounts, and everyday payment functions.

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Card network
Product type: Crypto prepaid card
Card form: Virtual + physical card
Operating status: Active
KYC level: Full KYC
Commercial relationship: No commercial relationship
Risk score: 80-89

Supported assets: USDTUSDCBTCETHSOLXRPADADOGEDOTLINKMATICLTCDAIUNIEURGBP
Last updated: Sep 15, 2026

Official and company information

Issuer identity and company credentials

Tap Card is operated by Tap Global Limited, registered in Gibraltar with company number 118724, holding a distributed ledger technology license from the Gibraltar Financial Services Commission. Mastercard cards are issued by Transact Payments Limited, registered in Gibraltar with company number 108217, acting as a regulated electronic money institution for card issuance and e-money services. Account services in different regions may also be provided by partner payment institutions such as Moorwand Ltd and Heuro SAS.

Visit website Application page

Company / issuer: Tap
Legal name: Tap Global Group Plc
Registered region: Gibraltar (GI)
Headquarters: Gibraltar
Company type: Emi
Verification status: Verified
Issuer website: Official link
Application page: Application link

Card overview

After completing identity verification, users can open an electronic money account in the Tap app and fund it through bank transfers, bank cards, or crypto assets. Crypto assets must first be converted into fiat currency on the platform and then transferred to the available card balance; cryptocurrency is not debited directly from an on-chain wallet when a transaction occurs. The virtual card is intended for online shopping, while the physical card supports chip, contactless payments, and ATM withdrawals. Users can freeze or unfreeze the card in the app and receive real-time transaction notifications. Tap offers six plans: Essential, Plus, Prime, Premier, Platinum, and Prestige. Higher tiers require locking the corresponding value of XTP for twelve months and can increase crypto cashback rates, monthly spending limits, and free ATM withdrawal allowances. The card can be used at merchants and ATMs that accept Mastercard, but account opening and card eligibility are restricted by country of residence.

Mastercard 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

Drag or swipe anywhere in the table to view every card; labels stay fixed

	TTap Essential Card	TTap Plus Card	TTap Prime Card	TTap Premier Card	TTap Platinum Card	TTap Prestige Card
Card form	Virtual + physical card	Virtual + physical card	Virtual + physical card	Virtual + physical card	Virtual + physical card	Virtual + physical card
Fees
Monthly fee	Free	Free	Free No monthly fee for account plan	Free	Free	Free
Card issuance fee	4.99 EUR Upgrade fee	4.99 EUR Upgrade fee	4.99 EUR Upgrade fee	4.99 EUR Upgrade fee	4.99 EUR Upgrade fee	4.99 EUR Upgrade fee
ATM fee	Free Limited to plan's free allowance	Free Limited to plan's free allowance	Free Limited to plan's free allowance	Free Limited to plan's free allowance	Free Limited to plan's free allowance	Free Unlimited free within plan
Foreign exchange fee	1.99% Currency conversion for non-EUR card purchases	1.49% Currency conversion for non-EUR card purchases	0.99% Currency conversion for non-EUR card purchases	0.75% Currency conversion for non-EUR card purchases	0.5% Currency conversion for non-EUR card purchases	0.25% Currency conversion for non-EUR card purchases
Top-up fee	—	—	—	—	—	—
Failed transaction fee	—	—	—	—	—	—
Rewards
Cashback	—	—	—	—	—	—
Crypto cashback	0.5% Issued after transaction settlement	1.5% Issued after transaction settlement	3% Issued after transaction settlement	4% Issued after transaction settlement	6% Issued after transaction settlement	8% Paid in XTP, issued after transaction settlement
Staking rewards	—	300 EUR Plus tier benefit; lock €300 worth of XTP	2,000 EUR Prime tier benefit; lock €2,500 worth of XTP	5,000 EUR Premier tier benefit; lock €5,000 worth of XTP	15,000 EUR Platinum tier benefit; lock €15,000 worth of XTP	25,000 EUR Prestige tier benefit, requires locking €25,000 worth of XTP
Staking APR	—	—	—	—	—	—
Welcome bonus	—	—	—	—	—	—
Referral bonus	—	—	—	—	—	—
Limits
Daily spending limit	—	—	—	—	—	—
Monthly spending limit	15,000 EUR Cumulative spending in a calendar month	15,000 EUR Cumulative spending in a calendar month	15,000 EUR Cumulative spending in a calendar month	15,000 EUR Cumulative spending in a calendar month	25,000 EUR Cumulative spending in a calendar month	30,000 EUR Cumulative spending in a calendar month
ATM withdrawal limit	500 EUR Monthly free allowance; fees apply beyond allowance	500 EUR Monthly free allowance; fees apply beyond allowance	500 EUR €500 free allowance per month; fees apply beyond allowance	500 EUR Monthly free allowance; fees apply beyond allowance	1,000 EUR €1,000 free per month, additional usage charged	Unlimited Unlimited free, ATM operators may still charge fees
Card network

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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

SpainESCzechiaCZIrelandIELuxembourgLULiechtensteinLILatviaLVEstoniaEECroatiaHRPolandPLFranceFRRomaniaROPortugalPTBelgiumBEGreeceGRDenmarkDKNetherlandsNLItalyITMaltaMTCyprusCYIcelandISNorwayNOBulgariaBGHungaryHUSloveniaSIFinlandFIAustriaATUnited KingdomGBSlovakiaSKGermanyDEGibraltarGILithuaniaLTSwedenSE

Evidence: Officially supported

Unsupported or restricted regions

Applications or features are unavailable or restricted

213

GeorgiaGEKuwaitKWBurkina FasoBFSt. Vincent & GrenadinesVCPanamaPALibyaLYWestern SaharaEHKyrgyzstanKGBelizeBZMarshall IslandsMHMexicoMXGuadeloupeGPCocos (Keeling) IslandsCCCôte d’IvoireCIBurundiBITurkmenistanTMSaudi ArabiaSASão Tomé & PríncipeSTSenegalSNNicaraguaNISt. MartinMFAmerican SamoaASSerbiaRSAntigua & BarbudaAGGuyanaGYSri LankaLKTurks & Caicos IslandsTCSudanSDBotswanaBWKiribatiKISvalbard & Jan MayenSJTimor-LesteTLTogoTGNepalNPSt. LuciaLCAustraliaAUArgentinaARMauritiusMURwandaRWGuatemalaGTGambiaGMSyriaSYTuvaluTVGhanaGHLiberiaLRTokelauTKNauruNRCosta RicaCRFalkland Islands (Islas Malvinas)FKSouth AfricaZABahrainBHMonacoMCHong KongHKGrenadaGDHaitiHTOmanOMChinaCNCape VerdeCVDominicaDMAlbaniaALAzerbaijanAZMontenegroMEÅland IslandsAXFrench GuianaGFBermudaBMSouth KoreaKRSingaporeSGJamaicaJMAfghanistanAFKenyaKEGuineaGNTunisiaTNGreenlandGLU.S. Virgin IslandsVIMaliMLYemenYELesothoLSSint MaartenSXPhilippinesPHCambodiaKHTrinidad & TobagoTTBritish Virgin IslandsVGBahamasBSMyanmar (Burma)MMDominican RepublicDOCentral African RepublicCFCanadaCAUgandaUGJapanJPEcuadorECThailandTHIndiaINMaldivesMVBhutanBTHeard & McDonald IslandsHMAnguillaAIArubaAWUkraineUAMicronesiaFMBeninBJDjiboutiDJSwitzerlandCHBangladeshBDRussiaRUCongo - BrazzavilleCGTongaTOSt. HelenaSHCook IslandsCKAntarcticaAQCubaCUNigeriaNGAndorraADIranIREgyptEGSt. BarthélemyBLBoliviaBOBruneiBNMayotteYTArmeniaAMSan MarinoSMU.S. Outlying IslandsUMEquatorial GuineaGQEthiopiaETMozambiqueMZMongoliaMNMalawiMWTajikistanTJNigerNEPapua New GuineaPGWallis & FutunaWFComorosKMVietnamVNMartiniqueMQUnited StatesUSPuerto RicoPRNorfolk IslandNFPitcairn IslandsPNJordanJOKazakhstanKZMalaysiaMYBritish Indian Ocean TerritoryIOEl SalvadorSVIraqIQMontserratMSVenezuelaVEBrazilBRChileCLFaroe IslandsFONiueNUBelarusBYChadTDNamibiaNACuraçaoCWColombiaCOQatarQAPalauPWGabonGAVanuatuVULebanonLBEswatiniSZMadagascarMGCayman IslandsKYTürkiyeTRCameroonCMMauritaniaMRMacaoMOIndonesiaIDTaiwanTWRéunionREPeruPESierra LeoneSLZimbabweZWUruguayUYJerseyJENorthern Mariana IslandsMPUnited Arab EmiratesAEChristmas IslandCXSouth SudanSSTanzaniaTZIsraelILFijiFJSt. Kitts & NevisKNBouvet IslandBVUzbekistanUZLaosLAZambiaZMGuinea-BissauGWNorth MacedoniaMKHondurasHNSamoaWSAlgeriaDZNew CaledoniaNCEritreaERGuamGUSolomon IslandsSBFrench Southern TerritoriesTFBarbadosBBIsle of ManIMSeychellesSCMoldovaMDPakistanPKVatican CityVASouth Georgia & South Sandwich IslandsGSGuernseyGGMoroccoMAParaguayPYAngolaAONorth KoreaKPSurinameSRCongo - KinshasaCDSomaliaSOBosnia & HerzegovinaBAFrench PolynesiaPF

Evidence: Officially restricted

Unconfirmed regions

Evidence is insufficient

No records

Evidence: Public sources

Availability in English-Speaking Markets

1. United States：Cannot apply，Can use，Tap’s U.S. card program is still limited to a waiting list, so residents cannot currently obtain the card, while Tap cards already issued in supported regions are intended for international spending.

2. United Kingdom：Can apply，Can use，UK residents are explicitly covered by Tap’s current card program and can request the card after completing the required account and identity verification.

3. Canada：Cannot apply，Can use，Canada is outside Tap’s current UK and EEA card-issuance regions, but the issuance restriction does not prevent eligible Tap cards obtained elsewhere from being used in Canada.

4. Australia：Cannot apply，Can use，Australian residents are outside the current card-issuance regions, while eligible Tap cards issued to UK or EEA residents can still be used for international spending in Australia.

5. South Africa：Cannot apply，Can use，South Africa is not included in Tap’s current UK and EEA card program, but eligible cards issued in supported regions can still be used locally.

6. New Zealand：Cannot apply，Can use，New Zealand residents are outside Tap’s current issuance coverage, while eligible Tap cards obtained in supported regions can still be used in the country.

7. Ireland：Can apply，Can use，Ireland is in the EEA, so residents can request the Tap Card after completing the required verification and receive the card at an eligible EEA address.

Updated: Sep 15, 2026

KYC requirements

Current identity-verification requirements and restrictions

KYC required

YesRequired

KYC level

Full KYCRequirement confirmed

Proof of address

YesRequired

Accepted documents

Passport / Driver's license / Government-issued ID / Bank statement / Utility bill / Tax document / Government-issued address document

Review time / regional limits

Automatic review usually takes a few minutes; manual compliance review can last up to ten business days.

KYC provider

Sumsub

Updated

Aug 4, 2026

Payment compatibility

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

Compatibility overview12 scenarios

Supported11

Not supported1

UpdatedAug 4, 2026

Wallet payments

Alipay

Supported

Aug 4, 2026

Wallet payments

Apple Pay

Not supported

Aug 4, 2026

Cash services

ATM withdrawal

Supported

Aug 4, 2026

AI tools

ChatGPT

Supported

Aug 4, 2026

AI tools

Claude

Supported

Aug 4, 2026

Wallet payments

Google Pay

Supported

Aug 4, 2026

AI tools

Midjourney

Supported

Aug 4, 2026

In-person payments

Offline POS

Supported

Aug 4, 2026

Online shopping

Supported

Aug 4, 2026

Wallet payments

PayPal

Supported

Aug 4, 2026

Subscriptions

Subscription payment

Supported

Aug 4, 2026

Wallet payments

WeChat Pay

Supported

Aug 4, 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

Mohammed Qurashigoogle_play★ 1 / 5Sep 18, 2026

Tap - Mobile Finance Google Play review - 1 star

slow and poor service

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Susan Bowiegoogle_play★ 1 / 5Sep 4, 2026

Tap - Mobile Finance Google Play review - 1 star

rubbish

View original

J. van Kluijventrustpilot★ 1 / 5Jul 14, 2026

Tap Electric weigert geleverde stroom…

Tap Electric weigert geleverde stroom uit te betalen op basis van een 3-maandenregel die niet eens in hun eigen algemene voorwaarden staat. Klantenservice weigert te escaleren.

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greg mtrustpilot★ 1 / 5Jun 22, 2026

A scam!

A scam! I opened my account and completed all the verification requirements. A few days later, I received a transfer of 1,500 USDT. Since I wasn't using the funds, I decided to put them into the Earn (staking) program, which offered a good interest rate. Before doing so, I contacted customer support, and they assured me that I could withdraw the funds at any time. However, on Saturday I decided to withdraw my money, and the funds simply disappeared. My account balance dropped to zero. Customer support was unable to help. Apparently, nobody works on weekends, so you leave your money with them, and if something goes wrong, there's no one available to assist you. It wasn't until Monday that customer service replied, saying they would investigate what had happened. Then, a few hours later, I received an email asking me to submit all my KYC documents again, without providing any explanation about where my funds are. I do not recommend opening an account with TAP. It is an absolute disgrace!

Official reply

Hi Greg, Thank you for sharing your feedback. We're sorry to hear that your experience did not meet your expectations. We would like to clarify that our support team operates 7 days a week, including weekends. While response times may occasionally be longer during busy periods, your case remained under active review throughout. We understand that the temporary unavailability of your funds caused concern. However, as confirmed by our team, your assets were not lost and the matters raised were subsequently resolved. The additional verification request you received formed part of our regulatory obligations and account security procedures. These checks may occasionally be required to protect customers and ensure compliance with applicable regulations. We appreciate that the situation was frustrating and apologise for any inconvenience caused. Should you wish to discuss your experience further, our team remains available to assist. Best regards, Tap Team

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Pichumani Chellappagoogle_play★ 5 / 5Jun 20, 2026

Tap - Mobile Finance Google Play review - 5 star

very good app

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Tish Provencetrustpilot★ 5 / 5Jun 19, 2026

Great app and customer service!

Official reply

Hi, Thank you for your kind words and for taking the time to leave a review! We're delighted to hear that you've had a positive experience with both the app and our customer support team. Feedback like yours means a lot to us and motivates us to continue improving our services. Thank you for being part of the Tap community.

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Clairetrustpilot★ 1 / 5Jun 2, 2026

They transferred my portfolio to themselves!!!!!!

I just logged in to my account to see 6,508 XTP mysteriously transferred via a transaction in March 2026 which I did not authorise. On trying to track it there was no information available so I contacted through the get help function. I was told quite bluntly that they transferred it to themselves as an inactivity fee!!!! Absolute scammers, no wonder they struggled to get regulated. Not only is that ‘fee’ disproportionate and illegal you have a duty to inform me of upcoming fees. Regardless the point of investments is to hold them until the time is right for you to sell, and I was holding because their coin tanked so much I had no choice but to wait out a hopeful rebound. This is just disgusting profiteering and I don’t believe it’s legal. Watch out they can and will access your money at any time without your knowledge and you’ll find out by accident when it’s too late and it’s all gone in their greedy pockets. Reporting to GFSC and every relevant authority.

Official reply

Hi, Thank you for taking the time to share your feedback. We're sorry to hear that you're unhappy with your experience. The transaction you are referring to relates to an inactivity fee applied in accordance with our Fees & Limits schedule and Terms & Conditions, which are available to all customers within the app and on our website. The fee was not a transfer initiated by Tap for its own benefit, nor was it an unauthorised transaction. We understand that fees can be frustrating, particularly during periods when markets are performing poorly. However, inactivity fees are disclosed as part of the account terms and are applied automatically where the applicable conditions are met. We take regulatory compliance and customer transparency seriously and would be happy to review your case further should you wish to contact our support team directly. Kind regards, Tap Team

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Brian Amed León Suáreztrustpilot★ 5 / 5May 26, 2026

Super great experience recomended 100%

Official reply

Hi Brian, Thank you for your fantastic review! We're delighted to hear you've had such a great experience with Tap. Your support means a lot to us, and we're grateful for your recommendation. Thank you for being part of the Tap community! Kind regards, Tap Team

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Mickaeltrustpilot★ 5 / 5May 13, 2026

It's been 4 years now i m with em and…

It's been 4 years now i m with em and never disappointed Fast reaction and great services Great bank I recommend it

Official reply

Thank you so much for your support and for being with Tap😊 We’re truly happy to hear that our fast support and services have met your expectations throughout your journey with us. Feedback like yours means a lot to the whole team. Thank you again for the recommendation and for being part of the Tap community 🚀

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R.trustpilot★ 1 / 5May 10, 2026

Tap Stakeholder sending Vulgar Threats to a Customer

A stakeholder/managing partner of Tap sent vulgar and threatening messages to a Tap customer in a vulnerable situation. Upon raising these serious issues to Tap, I have received nothing but radio silence. -- Edit after response below. The individual mentioned has a well documented history with Tap and verified social media accounts. Tap have refused to engage regarding this situation since 2024 and this is the first time they've taken a stance on the matter. Please make your own decisions.

Official reply

Thank you for bringing this to our attention. Tap does not have any “managing partner” or representative who would contact customers in this manner. Messages containing threats, abusive language, or inappropriate behaviour are not associated with Tap and do not reflect how we operate as a company. Based on the information provided, this appears to be a third-party impersonator with no affiliation to Tap. We strongly advise against sharing any personal information, account details, or funds with anyone claiming to represent Tap outside of our official communication channels. For your security, always ensure communications are sent through the Tap app or from official @withtap.com email addresses. Kind regards, The Tap Team

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Risk factors

Updated: Jul 20, 2026

No risk factors are available

Frequently asked questions

Answers drawn from the published record on this page.

Does Tap Card require KYC?

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

Does Tap Card support Apple Pay and Google Pay?

Apple Pay: Not supported. Google Pay: Supported.

Which assets can I top up Tap Card with?

Our record lists Tap Card support for: USDT, USDC, BTC, ETH, SOL, XRP, ADA, and DOGE (16 in total).

Is Tap Card a virtual or a physical card?

Tap Card is offered as: Virtual + physical card.

Where is Tap Card available?

Our record lists 32 countries or regions as available and 213 as restricted. Country-by-country status is in the regions section of this page.

Who issues Tap Card?

Tap Card is operated by Tap on the Mastercard network.