BingX Card 2026: the crypto Mastercard
On June 26, 2026, BingX launched its own crypto payment card, the BingX Card. It is a Euro Mastercard you load with crypto to spend in daily life, with up to 6% cashback. We read through the full fee schedule and the fine print, here is what actually matters.
The BingX Card in short
The BingX Card is a crypto debit card authorized by Mastercard, denominated in euros. The idea is simple: you deposit crypto, it is instantly converted to euros and stored on the card, then you pay like with any bank card, online, in store or at an ATM. BingX, founded in 2018 and now serving more than 40 million users, is adding a payments layer to its ecosystem, in the same vein as its Chelsea FC and Scuderia Ferrari partnerships.
| Network | Mastercard (Euro account) |
| Supported crypto | USDT, USDC, BTC, ETH (converted to euros) |
| Cashback | Up to 6% (up to 100% for VIPs) |
| Issuance fee | 0 EUR during the launch promo (20 EUR otherwise, credited to the card) |
| Subscription | 1 EUR / month |
| Contactless | Apple Pay and Google Pay (announced at launch) |
| Validity | 3 years |
How does the BingX Card work?
You load the card with USDT, USDC, BTC or ETH. At top-up, your crypto is converted to euros at the current rate (1% top-up fee), and you spend those euros. Once converted, your balance is no longer exposed to volatility: it is euros on the card. The card is announced as compatible with contactless payments via Apple Pay and Google Pay, and works anywhere Mastercard is accepted.
Good to know: a few use cases are not supported, such as automatic fuel pumps, phone or mail orders, and recurring payments (auto-billed subscriptions). The physical card arrives within about 45 business days and stays valid for 3 years.
What are the BingX Card fees?
This is what really matters on a crypto card. Here is the launch fee schedule.
| Card issuance | 0 EUR (launch promo, otherwise 20 EUR credited to the card) |
| Monthly subscription | 1 EUR / month |
| Card top-up (crypto to euros) | 1% |
| Payments within the EEA | Free |
| Payments outside the EEA | 2% (minimum 0.06 EUR) |
| ATM withdrawal | 2% (minimum 3 EUR), free up to 200 EUR/month with the Metal card |
| ATM balance inquiry | 0.07 EUR |
In plain terms: if you mostly pay inside the euro area, the card is close to free to use (EEA payments free, 1 EUR monthly subscription). The fees bite mostly on top-ups (1%) and ATM withdrawals, unless you go for the Metal card, which gives free withdrawals up to 200 EUR per month.
Cashback and rewards
This is the marketing hook of the launch. Early applicants can unlock up to 6% cashback, plus a 5 USD bonus once you spend 20 USD. BingX VIP users aim for rewards of up to 100% cashback and exclusive cards, subject to the offer terms. As always with cashback, read the fine print: those top rates are usually capped and conditional.
How to get the BingX Card
- Create a BingX account. Open a BingX account through a partner link to unlock the bonuses, then verify your identity.
- Complete KYC. Identity verification (KYC) is handled by the issuing bank and usually takes about 1 business day.
- Apply for the card. Request the BingX Card. Issuance normally costs 20 EUR credited to the card, and is free during the launch promotion.
- Load the card with crypto. Deposit USDT, USDC, BTC or ETH: they are instantly converted to euros and stored on the card (1% top-up fee).
- Spend or withdraw. Pay at millions of merchants or withdraw cash at any ATM that accepts Mastercard.
Is the BingX Card worth it? Our take
On paper, the offer is aggressive: free issuance at launch, 1 EUR per month, free payments in the euro area and high cashback. For someone already using BingX who wants to spend part of their crypto without going through a bank transfer, it makes sense. Our reservation is the same as for every crypto card: the maximum cashback is a marketing ceiling, converting crypto to euros has a cost (1%), and you are spending a volatile asset. The good habit is to load only what you plan to spend, not to treat the card as a vault.
If you want to try it, use our BingX partner link to grab the sign-up bonuses and reduced fees, then follow the steps above to apply for the card.
Frequently asked questions
What is the BingX Card?
The BingX Card is a crypto debit card authorized by Mastercard, launched on June 26, 2026. You load it with crypto (USDT, USDC, BTC, ETH) that is instantly converted to euros, then you spend those euros at millions of merchants worldwide, online or in store, or withdraw cash at any Mastercard ATM.
What are the BingX Card fees?
Issuance is free during the launch promo (otherwise 20 EUR credited to the card), with a 1 EUR monthly subscription. Loading the card costs 1%, payments within the European Economic Area are free, payments outside the EEA cost 2% (minimum 0.06 EUR) and ATM withdrawals cost 2% (minimum 3 EUR). The Metal card offers free withdrawals up to 200 EUR per month.
How much cashback does the BingX Card give?
Up to 6% cashback for early applicants, plus a 5 USD bonus when you spend 20 USD. BingX VIP users can access rewards of up to 100% cashback and exclusive card types, subject to the offer terms.
Where is the BingX Card available?
The card is a Euro Mastercard built for the European Economic Area, where payments are free. It is available in most countries, with a list of restricted regions where KYC is not offered (including, among others, mainland China, Russia and several sanctioned jurisdictions). Check the current list before applying. The physical card ships within about 45 business days.
Which cryptcurrencies can you put on the BingX Card?
At launch, the card accepts the most common assets: USDT, USDC, Bitcoin (BTC) and Ethereum (ETH). They are converted to euros at the current rate when you top up, then stored as euros on the card.
Is the BingX Card safe?
It uses 3D Secure technology, a PIN code, two-factor authentication and instant notifications on every transaction. As with any crypto card, the main risk is volatility: the value of your crypto can drop before you spend it. Only load what you plan to use.
What are the BingX Card limits?
Maximum daily load of 10,000 EUR, maximum balance of 100,000 EUR, transaction cap of 10,000 EUR per day and 100,000 EUR per month. ATM withdrawals range from 10 to 1,000 EUR per operation, up to 2,000 EUR per day.
Educational content, not investment advice. Crypto carries a risk of loss, and the card terms (fees, cashback, availability) may change: always check the official BingX terms before applying. Partner links may earn us a commission at no extra cost to you.