Monero support is rare in the card market. These are the few programmes that accept XMR, plus the privacy trade-offs to know.
2 programmes accept XMR. Switch to table view to sort on fees.
670 reviews
by Regional PartnerInstant issuance
Privacy-first zero-KYC virtual Visa & Mastercard funded with Monero (XMR), BTC and stablecoins
610 reviews
by UAB MonavateUK & EEA (Global expansion via Krak app)
Zero-fee Mastercard debit card spending 600+ crypto and fiat balances with up to 2% BTC cashback
Top-up fee: the cost of converting XMR into spendable balance. It ranges from 0% on 0 cards to 5%.
Supported chain: if you hold XMR on a chain the issuer does not support, you will need to bridge or swap first — which can cost more than the card fee itself.
FX: a card can be cheap for USD spend but expensive abroad. Kraken Card is the lowest-FX option in this group at 0%.
2 cards in our database accept XMR: Kraken Card, Nocturne. Support can vary by region, so confirm the asset list for your country with the issuer.
Kraken Card has the lowest FX fee in this group at 0%, with a 1% top-up fee. Kraken Card pays the highest cashback at 2%. Run the net return calculator to compare for your actual spend.
It depends on the card. Self-custody cards typically convert XMR at settlement, while custodial cards require you to top up a fiat or stablecoin balance first. The top-up fee column captures that conversion cost.
Yes, 1 card in this list offer a no-KYC tier, usually capped at around $1,000. Above the cap, identity verification is required.
