Australia (Eligible for permanent Australian residents aged 18+ with verified KYC and 2FA enabled).
Key Profile Facts (Categorized)
Fee & Exchange Rate Structure
- Public Fee Summary
- $0 AUD issuance fee; $0 AUD monthly/annual fee; 0% fee on AUD fiat balances; 1% real-time conversion fee on crypto spending.
- Debit / Deduction Model
- Custodial exchange dynamic priority liquidation: Customize priority order for up to 5 cryptocurrencies, instantly converted to AUD at point of sale; 0% fee on AUD fiat balances.
Application Eligibility & KYC
- KYC Identity Verification
- KYC required. Mandates standard Australian AUSTRAC KYC verification (Driver License, Medicare card, or Australian Passport).
- Officially supported countries and regions
- Australia (Eligible for permanent Australian residents aged 18+ with verified KYC and 2FA enabled).
Payment Compatibility & Issuer Rails
- Card Network & Rails
- Mastercard (Prepaid digital debit card, native Apple Pay and Google Pay support)
- Issuer Arrangement / Payment Rails
- EML Payment Solutions Limited (AFSL 404131) pursuant to license by Mastercard Asia/Pacific Pte. Ltd. Card BIN not disclosed; this page does not speculate on specific BINs.
- Apple Pay / Google Pay
- Officially supports push provisioning to Apple Wallet for contactless POS tapping and online Safari checkout globally.
- Overseas AI Subscriptions
- Standard Australian compliant Mastercard BIN, reliably supporting recurring subscriptions for ChatGPT Plus, Claude Pro, Midjourney, Netflix, etc.
Spending Rewards & Cardholder Perks
- Cashback & Reward Rules
- Zero fee on AUD cash card spending, no offshore account inactivity drag, no mandatory platform token staking.
This is a summary of the cited public information, not a complete list of fees or regions and not a guarantee of approval or card access.
Detailed Facts
- Issued by Licensed Australian Financial Institution
- Issued by ASIC-licensed financial institution EML Payment Solutions Limited under Mastercard license, strictly regulated by AUSTRAC. [1] [2]
- Smart 5-Tier Asset Liquidation Cascade
- Designate up to 5 tokens in priority order (e.g. AUD → USDT → BTC → SOL → ETH); transactions automatically cascade to next balance if primary is insufficient. [1] [3]
- Transparent Instant Liquidation Architecture
- Taps directly into CoinSpot spot market depth; AUD spends with 0 markup, and crypto conversions incur a flat transparent 1% fee. [1] [2]
Issuing, mobile wallets and AI subscriptions
- Card network listed in the comparison source
- Mastercard
- Issuer arrangement / BIN
- EML Payment Solutions Limited (AFSL 404131) pursuant to license by Mastercard Asia/Pacific Pte. Ltd. Card BIN not disclosed; this page does not speculate on specific BINs.
- Apple Pay
- ✅ Explicitly stated in official materials: Officially supports push provisioning to Apple Wallet for contactless POS tapping and online Safari checkout globally.
- Google Pay
- ✅ Explicitly stated in official materials: Officially supports Google Wallet for contactless tap-to-pay on NFC-enabled Android devices worldwide.
- AI subscriptions such as ChatGPT and Claude
- ✅ Explicitly stated in official materials: Standard Australian compliant Mastercard BIN, reliably supporting recurring subscriptions for ChatGPT Plus, Claude Pro, Midjourney, Netflix, etc.
Compatibility information for this card was verified on 2026-11-06 against the sources listed on the card profile; undisclosed items are marked "Not stated officially". Status symbols preserve source statements; "Not stated officially" does not mean unsupported, and community reports do not guarantee stable availability.
See the full comparison of 255 cards · Use BIN & Issuer Inspector
Mobile Apps & Privacy Compliance
Independent verification of mobile client presence, global app store availability, privacy disclosures, and account deletion / data erasure rights.Mobile Clients & Official Download Channels
- Client App
- CoinSpot - Buy & Sell Bitcoin (Casey Block Services Pty Ltd)
- Web Portal Support
- CoinSpot Web Console (coinspot.com.au) — Official web-based portal for portfolio management, card issuance, and trading
- Apple App Store
-
App Store Official Download ↗ Serving Australian and Oceania App Store markets
- Google Play
-
▶ Google Play Official Download ↗ Mainstream Australian Android app markets
Data Compliance, Privacy Labels & Account Erasure
- Regulations & Rights
-
General Data Rights / Regional Regulations
Complies with Australian Privacy Act 1988 and AUSTRAC compliance standards, safeguarding access and rectification rights
- Official Privacy Policy
- Official Privacy Policy ↗
- Data Retention
- Statutory 7-year retention for KYC and transaction records under Australian AML/CTF and Corporations Acts
- App Store Privacy Label
- Collects financial data, contact info, and device IDs solely for regulatory compliance
- Google Play Data Safety
- End-to-end encrypted transit; account deletion supported via customer care
- Account Deletion Flow
-
Cardholders can submit account closure requests in settings or via support@coinspot.com.au
Verified on 2026-11-06. App store availability and privacy disclosures are independently verified from official developer stores and privacy policies; store availability may vary dynamically by region.
Instant Highway from Exchange Balances to Everyday Spending
Amid Australian banking frictions and off-ramp scrutiny, CoinSpot Mastercard provides a fully compliant local fiat off-ramp loop without bank wire delays. [1] [3]
Frequently asked questions
Can non-Australian residents apply for CoinSpot Mastercard?
No. The card is strictly available to Australian citizens or valid visa holders with proof of residential address.
Does this card offer a physical plastic card?
Currently offered primarily as a digital prepaid card, instantly provisionable to Apple Pay and Google Pay upon approval.
📜 Rules & Fee Changelog History
Continuous Tracking · Historical Evidence BaseCommunity posts
The following public X posts were selected based on whether the original is accessible and how specific the information is. They reflect personal experiences or third-party observations, not official commitments, and do not replace the official sources on this page.
No public post has yet met our criteria for specific experience details and an accessible original link. You can browse public discussion of CoinSpot Mastercard on X; search results may change over time.
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