Coinbase Card
No referral link here — we do not monetize a service we have not verified.
- This is an MiCA CASP - Coinbase Luxembourg S.A., CSSF (Luxembourg), LEI 984500F14CA4571AAC11, authorised 2025-06-20, ESMA interim CASP register; EU card issuer entity not confirmed (help article names Pathward N.A.), not a bank: funds are safeguarded, not covered by a €100k deposit guarantee.
Pros & Cons
Pros
- —
Cons
- Not a bank — no €100k deposit guarantee (funds safeguarded)
- No fully remote opening
Rating breakdown
Why this score
Good fit for
- Not enough verified facts yet to say who this fits.
May not fit if
- you need to hold USD
- you need crypto in or out
- you need a complete picture — 3 facts we treat as critical are still not disclosed
- you need a fully rated profile — this one is rated on 5 of 6 dimensions
This is an electronic money institution (EMI), not a bank. Funds are safeguarded, but NOT covered by the €100,000 deposit guarantee. Convenient, but legally it isn't a bank deposit.
- Licence
- MiCA CASP - Coinbase Luxembourg S.A., CSSF (Luxembourg), LEI 984500F14CA4571AAC11, authorised 2025-06-20, ESMA interim CASP register; EU card issuer entity not confirmed (help article names Pathward N.A.) · null
Editorial review
Data reviewed by Ilya ChernetskiyFounder and editor, nomonedaUpdated: 2026-10-20
Coinbase Card runs on an MiCA CASP - Coinbase Luxembourg S.A., CSSF (Luxembourg), LEI 984500F14CA4571AAC11, authorised 2025-06-20, ESMA interim CASP register; EU card issuer entity not confirmed (help article names Pathward N.A.) licence: convenient, but your money is safeguarded rather than covered by the €100k deposit guarantee.
It is a crypto fintech licensed in null supporting the local currency. FX model: Crypto sold and converted for card spending ('less conversion fees'); Coinbase spread on crypto trades; card FX terms not published on the EU page.
Check the licensing and deposit-protection details below before you open an account.
Fees & terms
- Exchange rate
- Crypto sold and converted for card spending ('less conversion fees'); Coinbase spread on crypto trades; card FX terms not published on the EU page
- Card cost
- No application fee; virtual card usable immediately, physical card ordered in app (arrives in 2-3 weeks); replacement of lost/damaged card at no cost; physical card price not stated
- Local-currency withdrawal
- Not disclosed
- USD withdrawal
- Not disclosed
- Withdrawal fees
- Not disclosed
- Limits
- Not disclosed
- USD yield
- Not disclosed
- Cashback
- Not disclosed
- Licence
- MiCA CASP - Coinbase Luxembourg S.A., CSSF (Luxembourg), LEI 984500F14CA4571AAC11, authorised 2025-06-20, ESMA interim CASP register; EU card issuer entity not confirmed (help article names Pathward N.A.) — null
- SEPA Instant
- No
- Verification of Payee (VoP)
- No
- FX model
- Crypto sold and converted for card spending ('less conversion fees'); Coinbase spread on crypto trades; card FX terms not published on the EU page
- Opening requirements
- full - valid Coinbase account, identity verification and address verification during application; mobile app only
- English support
- No
- Remote opening
- No
- Headquarters
- United States
What to know before you move money
Elevated exposure — At least one thing here would change a reasonable person’s mind.
- CriticalThis is an MiCA CASP - Coinbase Luxembourg S.A., CSSF (Luxembourg), LEI 984500F14CA4571AAC11, authorised 2025-06-20, ESMA interim CASP register; EU card issuer entity not confirmed (help article names Pathward N.A.), not a bank: funds are safeguarded, not covered by a €100k deposit guarantee.
Read from: eu.license_type, eu.dgs_covered
- MediumDocumented too thinly to score (candidate).
Read from: maturity_level
Recent updates
- 2026-10-20checked9 facts about Coinbase Card re-checked against their sources
3 similar services
Chosen by overlap in what people use them for, not by category — the services that would land in the same shortlist as this one.
User reviews
User score
No reviews yet.
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FAQ
- Is my money protected?
- No. Coinbase Card operates under an MiCA CASP - Coinbase Luxembourg S.A., CSSF (Luxembourg), LEI 984500F14CA4571AAC11, authorised 2025-06-20, ESMA interim CASP register; EU card issuer entity not confirmed (help article names Pathward N.A.) licence — funds are safeguarded but NOT covered by a €100k Deposit Guarantee Scheme. It is not a bank in the deposit-protection sense.
- What IBAN and transfers?
- Coinbase Card issues a IBAN. SEPA Instant: no.
- Can I open remotely, in English?
- Opening may need a branch visit or local docs. Support is mainly local-language. Requirements: full - valid Coinbase account, identity verification and address verification during application; mobile app only.
Data provenance & verification
Every fact is checked against an official source and stamped with a date. We re-check fees quarterly and document requirements twice a year. Fields not yet independently verified are labelled honestly.
We know this service exists, but a fact we consider critical is still missing — so it is not listed, scored or recommended.
Still needed
- Collect a critical field: currencies
- Collect a critical field: transfer_rails
- Collect a critical field: card_types