Check eligibility first
Eligible residents of the United Kingdom and European Economic Area (UK & EEA)
Key Profile Facts (Categorized)
Fee & Exchange Rate Structure
- Public Fee Summary
- No issuance fee for virtual and physical cards; 0% transaction fee for domestic base-currency spending; 1%–1.5% foreign exchange (FX) fee on cross-border transactions; monthly ATM quota with zero issuer fees.
- Debit / Deduction Model
- Multi-fiat intelligent routing & clearing: Tap Mastercard debit clearing provided by Moorwand Ltd (UK FCA-licensed EMI & Mastercard Principal Member)
Application Eligibility & KYC
- KYC Identity Verification
- KYC required. Must be a compliant resident of the UK, Gibraltar, or European Economic Area (EEA), and pass identity and proof-of-address verification.
- Officially supported countries and regions
- Eligible residents of the United Kingdom and European Economic Area (UK & EEA)
Payment Compatibility & Issuer Rails
- Card Network & Rails
- Mastercard (physical and virtual Mastercard debit cards, supporting Apple Pay and Google Pay)
- Issuer Arrangement / Payment Rails
- Moorwand Ltd (UK FCA-licensed EMI & Mastercard Principal Member) and Tap Global. Card BINs not disclosed; this page makes no unverified BIN inferences.
- Apple Pay / Google Pay
- Official native support for Apple Pay contactless payments.
- Overseas AI Subscriptions
- Standard European Mastercard debit card with 3DS authentication, reliably billing overseas SaaS subscriptions.
Spending Rewards & Cardholder Perks
- Cashback & Reward Rules
- Up to 8% XTP token cashback: tiered card spending rewards from 1.5% to 8% based on XTP staking level.
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
- Moorwand Ltd Licensing & Principal Member Issuance Upgrade
- Upgraded from legacy single-euro card to the newly announced Tap Mastercard issued by Moorwand Ltd (UK FCA-licensed EMI & Mastercard Principal Member), substantially enhancing regulatory backing and rail stability. [1]
- Multi-Fiat & Crypto Balance Spending
- Natively supports multi-fiat GBP and EUR accounts with Faster Payments and SEPA bank rails, executing instant crypto-to-fiat conversion at prime market depth for purchases across the UK and Europe. [1]
- Tiered Staking Cashback Structure
- Holding and staking XTP tokens unlocks significantly higher cashback rates, reaching up to 8% in the highest tier. [1]
- Conflicting licence statements
- The site footer now says only that Tap Global Limited is registered in Gibraltar (No. 118724) and licensed by the Gibraltar Financial Services Commission under its DLT framework (Licence No. 25532); neither the UK FCA nor Moorwand appears anywhere on the page. The footer also says banking and e-money services come from "Authorised Issuing Partners" by region without naming them. The record described issuance by Moorwand Ltd, a UK FCA-authorised EMI. The two statements do not agree, and this site cannot determine whether the issuing entity has changed, so the older record stands with the conflict noted. [1]
Issuing, mobile wallets and AI subscriptions
- Card network listed in the comparison source
- Mastercard
- Issuer arrangement / BIN
- Moorwand Ltd (UK FCA-licensed EMI & Mastercard Principal Member) and Tap Global. Card BINs not disclosed; this page makes no unverified BIN inferences.
- Apple Pay
- ✅ Explicitly stated in official materials: Official native support for Apple Pay contactless payments.
- Google Pay
- ✅ Explicitly stated in official materials: Official native support for Google Wallet.
- AI subscriptions such as ChatGPT and Claude
- ✅ Explicitly stated in official materials: Standard European Mastercard debit card with 3DS authentication, reliably billing overseas SaaS subscriptions.
Compatibility information for this card was verified on 2026-10-23 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 230 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.
Client Platforms & Stores
Mobile App Only
Account Deletion & Erasure
In-App / Web Self-Service
Privacy & Compliance Score
4/6
Moderate
Mobile Clients & Official Download Channels
- Client App
- Tap - Mobile Finance (Tap Global Limited)
- Web Portal Support
- Mobile App Only — The official website only features product introductions, a help center, and terms, with download links provided via iOS/Android app QR codes and no web login found; account opening, card issuance, and account closure are all completed within the app
- Apple App Store
-
App Store Official Download ↗ Excludes Mainland China; Missing key markets: Hong Kong, Macau, Taiwan, Singapore, Malaysia, Thailand, Vietnam, Indonesia, Japan, South Korea, India, UAE, Saudi Arabia, Australia, Argentina, Colombia, Nigeria, South Africa
- Google Play
-
▶ Google Play Official Download ↗ All 174 storefronts (Google Play does not operate in Mainland China)
Anti-Phishing Notice: Always verify the official developer identity or use verified official deep links. Never install unknown APK packages or TestFlight profiles from unverified search results or Telegram groups.
Data Compliance, Privacy Labels & Account Erasure
- Regulations & Rights
-
Explicit GDPR Compliance
Tap Website & App Privacy Policy (v1.1, updated 2026-07-08): Tap Global Limited (Gibraltar company no. 118724) is the controller, and card issuer Transact Payments Limited (TPL, an Electronic Money Institution authorized by the Gibraltar GFSC) is the controller for card-related data, with TPL's privacy policy appended; pursuant to GDPR and the Gibraltar Data Protection Act 2004, it sets out rights of access, rectification, objection, erasure, and restriction of processing, with the right to lodge complaints with the Gibraltar Regulatory Authority (GRA) or the supervisory authority of the user's workplace, residence, or place of alleged infringement; declares customer data is not sold, rented, or shared for commercial purposes; and applies safeguards such as adequacy decisions or Standard Contractual Clauses (SCCs) when transferring data outside Gibraltar/EEA
- Official Privacy Policy
- Official Privacy Policy ↗
- Data Retention
- Retained for 5 years after the end of the business relationship to comply with anti-money laundering and anti-fraud regulations; other data is retained for statutory minimum periods and reviewed periodically (typically annually)
- App Store Privacy Label
- Used to Track: Usage Data; Linked to You: 6 categories; Not Linked: 1 category
- Google Play Data Safety
- Shared: App Activity, App Info and Performance, Contacts, Device or Other IDs, Files and Documents, Financial Info, Location, Messages, Personal Info, Photos and Videos; Collects 10 categories; Deletion can be requested; Data encrypted in transit
- Account Deletion Flow
-
In-app self-service closure: tap the avatar in the top-left corner to enter Profile, locate Close Account in Settings, complete prerequisite steps, and confirm; card terms specify that balances remain redeemable within 6 years after closure; privacy policy notes that erasure requests may result in the inability to continue providing services; Google Play indicates data deletion can be requested
Audit Memo: Verification: Tap is a crypto and fiat app operated by Gibraltar-based Tap Global Limited (a GFSC-licensed DLT provider), with Tap Card issued as a Mastercard offering up to 8% cashback and supporting top-ups and spending in over 80 currencies; e-money accounts and card issuance are provided by partner institutions disclosed in-app by region (UK and Gibraltar cards are issued by Transact Payments Limited). Available across 44 App Store regions (EEA, UK, Switzerland, Balkans, plus Philippines, Brazil, Mexico, Canada, US), with iOS labels disclosing user tracking via Usage Data and 6 categories linked to identity; Google Play declares data sharing across 10 categories with third parties (including contacts, location, messages, files), representing the highest number of shared categories in this batch. The privacy policy text is dynamically loaded from terms.withtap.com and is identical across all country versions.
Verified on 2026-10-18. App store availability and privacy disclosures are independently verified from official developer stores and privacy policies; store availability may vary dynamically by region.
UK & European Compliant Multi-Currency Payment Solution
Combines multi-fiat GBP/EUR neobanking with crypto liquidity clearing, suited for professionals, expatriates, and travelers in the UK and Europe. [1]
Foreign Exchange (FX) Markup Alert
Transactions in non-base currencies incur a 1%–1.5% FX markup, and top cashback tiers require staking XTP tokens, requiring consideration of token holding costs. [1]
Frequently asked questions
Is Tap Global a regulated company?
Yes. Tap Global holds a DLT license from the Gibraltar Financial Services Commission (FSC), and its parent company is publicly traded on the London stock market.
How much cashback can standard users earn?
Entry-level cardholders without staked tokens earn approximately 1.5%–2% cashback; staking higher tiers of XTP is required to unlock up to 8% cashback.
📜 Rules & Fee Changelog History
Continuous Tracking · Historical Evidence BaseThe site footer lists only a Gibraltar GFSC DLT licence, with no mention of the UK FCA or Moorwand
The footer now says Tap Global Limited is registered in Gibraltar (No. 118724) and licensed by the Gibraltar Financial Services Commission under its DLT framework (Licence No. 25532), and that banking and e-money services come from unnamed Authorised Issuing Partners by region. The record described issuance by Moorwand Ltd, a UK FCA-authorised EMI. The two statements do not agree, so the older record stands with the conflict noted.
Upgraded to Moorwand-issued Tap Mastercard supporting multi-fiat EUR/GBP and crypto spending
Official issuing infrastructure and product completely upgraded: Departing from the legacy single-euro card, Tap has officially rolled out the new Tap Mastercard debit card issued by Moorwand Ltd (UK FCA-licensed EMI & Mastercard Principal Member). The card bridges dual EUR and GBP fiat rails alongside dozens of mainstream digital assets, enabling seamless multi-currency instant crypto-to-fiat spending for verified UK and EEA residents.
Added the Tap Global Mastercard debit card from the AQSE-listed London platform
Completed the Tap Global Card verification: issued by Tap Global with FCA-authorised EMI and Mastercard principal member Moorwand across the UK and EEA; no issuance fee for virtual or physical cards, 1%–1.5% FX fee, and 1.5%–8% spend cashback tiered by XTP staking level.
Community 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 verifiable community post found yet
No public post has yet met our criteria for specific experience details and an accessible original link. You can browse public discussion of Tap Global Card on X; search results may change over time.
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