Global compliant jurisdictions (Excludes Hong Kong, Canada & 13 other nations; 19 US states unsupported)
Key Profile Facts (Categorized)
Fee & Exchange Rate Structure
- Public Fee Summary
- Virtual card issuance ~$3–$5, physical card issuance and delivery fees vary by tier; card top-up fee ~1.5%–2%; 0% fee on base fiat purchases; $0 monthly account maintenance fee.
- Debit / Deduction Model
- Non-custodial wallet instant top-up model: assets reside natively in self-custodial wallets, converted to prepaid fiat upon funding and accepted across Visa/Mastercard networks globally
Application Eligibility & KYC
- KYC Identity Verification
- KYC required. Virtual cards support lightweight instant KYC issuance; physical card orders require standard identity verification (passport or international ID) for global mail/courier delivery.
- Officially supported countries and regions
- Global compliant jurisdictions (Excludes Hong Kong, Canada & 13 other nations; 19 US states unsupported)
Payment Compatibility & Issuer Rails
- Card Network & Rails
- Visa & Mastercard (Dual-network virtual and physical cards, supporting Apple Pay and Google Pay)
- Issuer Arrangement / Payment Rails
- Zypto in partnership with global licensed financial institutions. The card BIN is not public, and this page does not speculate about it.
- Apple Pay / Google Pay
- Officially confirmed that both virtual and physical cards support provisioning to Apple Wallet for contactless payments via iPhone and Apple Watch.
- Overseas AI Subscriptions
- Issued with compliant international BINs and 3D Secure verification, reliably billing ChatGPT Plus, Claude Pro, Midjourney, GitHub Copilot, and streaming services.
Spending Rewards & Cardholder Perks
- Cashback & Reward Rules
- Supported by the Zypto Ecosystem (ZYP points and token cashback rewards); top-ups and spending earn points to offset fees; full Apple Pay contactless payment support.
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
- Non-Custodial Wallet with 100+ Token Support
- User private keys are securely stored locally without depositing balances into exchanges; enables one-tap funding from BTC, ETH, SOL, USDT, and diverse ecosystem tokens. [1] [2]
- Dual-Network Options & Worldwide Delivery
- Offers both Visa and Mastercard rails; virtual cards are available instantly, while physical cards ship to 100+ countries via standard mail or DHL express for global travel. [1]
- Restricted Jurisdictions and US State Eligibility
- The platform explicitly bars services to Hong Kong residents and 14 restricted jurisdictions including Canada; 19 US states are temporarily unsupported; users must verify residency compliance before onboarding. [1] [2]
Issuing, mobile wallets and AI subscriptions
- Card network listed in the comparison source
- Visa / Mastercard
- Issuer arrangement / BIN
- Zypto in partnership with global licensed financial institutions. The card BIN is not public, and this page does not speculate about it.
- Apple Pay
- ✅ Explicitly stated in official materials: Official confirmation that both virtual and physical cards support Apple Wallet push provisioning for instant iPhone and Apple Watch contactless tap-to-pay.
- Google Pay
- ✅ Explicitly stated in official materials: Official Google Wallet support, compatible with NFC-enabled Android mobile devices.
- AI subscriptions such as ChatGPT and Claude
- ✅ Explicitly stated in official materials: Standard international card BIN with 3D Secure verification, reliably paying for ChatGPT Plus, Claude Pro, Midjourney, GitHub Copilot, and streaming subscriptions.
Compatibility information for this card was verified on 2026-10-19 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.Mobile Clients & Official Download Channels
- Client App
- Zypto Crypto & Bitcoin Wallet (ZYPTO SP Z O O)
- Web Portal Support
- Mobile App Only — Zypto Premium Card can only be applied for and managed within the app; third-party single-use virtual cards can be purchased on the website, but there is no web portal for card accounts.
- Apple App Store
-
App Store Official Download ↗ Excludes Mainland China; Missing key markets: Canada
- Google Play
-
▶ Google Play Official Download ↗ All 174 storefronts (Google Play does not operate in Mainland China)
Data Compliance, Privacy Labels & Account Erasure
- Regulations & Rights
-
Explicit GDPR Compliance
Zypto Privacy Policy (page states updated 2024-03-12, legal hub marked 2026-05-29): Zypto Sp. z o.o. (Łódź, Poland, KRS 0001047932) acts as data controller, explicitly processing data under GDPR; enumerates rights of access, rectification, erasure, restriction, objection, portability, and consent withdrawal, with supervisory complaint options and a dedicated GDPR complaint resolution process.
- Official Privacy Policy
- Official Privacy Policy ↗
- Data Retention
- Retained for the period necessary to fulfill processing purposes; no specific duration specified
- App Store Privacy Label
- No tracking data; Linked to you: 0 categories; Not linked to you: 2 categories
- Google Play Data Safety
- Shared with 3rd parties: App activity; Collects 3 categories; Deletion can be requested; Data encrypted in transit
- Account Deletion Flow
-
Help Center lacks account deletion articles; privacy policy notes registered accounts may be deactivated in the web user area; wallet is self-custodial and can be removed locally, while card account deletion requires contacting support@zypto.com; Google Play indicates deletion can be requested.
Verified on 2026-10-19. App store availability and privacy disclosures are independently verified from official developer stores and privacy policies; store availability may vary dynamically by region.
Top Offshore Spending Choice for Self-Custody Users
Zypto strikes an ideal balance between self-custody and real-world spending convenience. Users keep balances on-chain under their own keys, funding the card only on demand, mitigating centralized platform freeze risks. [1] [2]
Issuance Costs & Flexible Tier Selection
Zypto offers tiered virtual cards across different spending limits and lifespans, from lightweight cards for subscriptions to high-limit physical cards for commercial procurement. [1]
Frequently asked questions
Is Zypto Card a centralized exchange card?
No. Zypto is a non-custodial Web3 wallet where assets remain under user control, converting to fiat only upon card top-up through compliant prepaid rails.
Can it be linked to US Apple IDs or pay for ChatGPT?
Yes. Zypto virtual cards feature prime international BINs with 3DS support, linking smoothly to US Apple IDs and paying for overseas AI tools.
Do physical Zypto cards support ATM cash withdrawals?
Yes. Once activated, physical Zypto cards can withdraw local fiat cash at any Visa or Mastercard-supported ATM worldwide.
📜 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 Zypto Card on X; search results may change over time.
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