1inch Card

What is the 1inch Card?

The 1inch Card is a prepaid Mastercard powered by Crypto Life (CL), developed in partnership with Baanx and issued by Monavate. It is integrated with the 1inch ecosystem and lets eligible users spend crypto for online purchases, in-store transactions and ATM withdrawals wherever Mastercard is accepted. Crypto is converted into fiat automatically at the point of purchase, and the card supports contactless payments, Apple Pay and Google Pay. 1inch advertises up to 2% crypto rewards and crypto-backed borrowing, although credit features are not available in every country.

Within Europe the card competes with the Bitpanda Card, another European debit card funded from a platform balance, and the Bleap Card, which is non-custodial rather than prepaid, See how they differ on rewards, fees and FX in the crypto cards directory.

Current application status

Applications are open in eligible countries, primarily within the European Union. Applicants must reside in a supported region and meet the card’s onboarding and eligibility requirements — this is not a globally available card. Where the card can be used is much wider than where it can be applied for.

How spending works

1. Hold a supported cryptocurrency in the linked account.
2. Pay online, in store or at an ATM with the card.
3. 1inch / Crypto Life converts the required crypto into fiat at the moment of the transaction.
4. The merchant receives a normal Mastercard card payment.

Conversion happens at the point of purchase or withdrawal rather than in advance. Because spending triggers a crypto-to-fiat conversion, it may also be treated as a disposal for tax purposes depending on your country — check your local rules or a tax adviser.

Fees

The current public 1inch Card pages do not clearly publish a complete fee schedule. Third-party sites circulate figures such as no annual fee, 0% FX, a crypto conversion fee and an ATM fee, but these are not officially verified and are not published here as Bitnxt facts. Fee types that can apply to this card include virtual and physical card issuance, monthly and annual card fees, crypto conversion, foreign exchange, ATM withdrawal, card replacement and inactivity. Always confirm the applicable fees in the card terms during onboarding.

Issuer and provider information

• Brand: 1inch
• Card: 1inch CL Card
• Powered by: Crypto Life (CL)
• UK service provider: Baanx Group Ltd
• EU service provider: Frozen Time UNIPESSOAL LDA
• Card issuer: Monavate Limited
• Network: Mastercard
• Issuer status: FCA-authorized electronic money institution and principal Mastercard member (firm reference 901097)

Availability, eligibility and requirements

• Primary availability: eligible countries, primarily the EU
• Residency: must reside in a supported region
• Requirements: a 1inch / Crypto Life account, identity verification (KYC), residency in a supported region and an eligible supported crypto balance
• Worldwide use: Mastercard acceptance, subject to merchant and card restrictions

How to apply

1. Go to the official 1inch Card page.
2. Select sign up and start the application.
3. Complete onboarding and the eligibility checks, including identity verification.
4. Set up the card in the supported 1inch / Crypto Life environment.
5. Use the virtual or physical card once approved and activated.

Official sources

• 1inch Card — official page
• Crypto Life Card — product page
• Crypto Life — FAQ (cashback and loyalty)
• 1inch Card launch announcement
• 1inch press room

Card data last verified 13 August 2026 against official 1inch and Crypto Life material; the public card page was re-checked on 5 October 2026.

1inch Card features

• Prepaid Mastercard — spend supported crypto wherever Mastercard is accepted.
• Virtual and physical card — for online, in-store, contactless and ATM use.
• Automatic crypto-to-fiat conversion — conversion happens at the moment of purchase or withdrawal, so no manual selling is required.
• Apple Pay and Google Pay — the card can be used for contactless payments from supported devices.
• ATM withdrawals — cash withdrawals are supported at Mastercard ATMs, subject to account limits and restrictions.
• Up to 2% crypto cashback — rewarded in a crypto asset you choose through the Crypto Life loyalty programme.
• Crypto-backed borrowing — 1inch advertises borrowing against crypto at 0% interest with up to 50% LTV; credit features are unavailable in some countries.
• 1inch ecosystem integration — the card sits alongside the 1inch swap aggregator, 1inch Wallet and 1inch Portfolio.

Cashback and rewards

1inch advertises up to 2% back in crypto. Reward assets officially named are 1INCH, USDT, BTC and BXX. Per Crypto Life’s loyalty programme the rate varies with the reward asset chosen — for example a higher rate in BXX and a lower rate in BTC or USDT — so 2% should not be treated as guaranteed for every user or every reward asset. Rewards are credited to the wallet you choose and claimed through the loyalty programme.

Crypto-backed borrowing

Alongside spending, the card advertises the ability to borrow against crypto at 0% interest with up to 50% loan-to-value. This credit feature is currently unavailable in some countries and is subject to local eligibility rules and account approval.

Where you can use the card

Online purchases, in-store point of sale, contactless payments, international Mastercard acceptance and ATM withdrawals at supported Mastercard ATMs. “Where you can use the card” is different from “where users can apply for the card”: Mastercard merchants accept the card worldwide, while applications are limited to supported regions.

Cryptocurrencies supported by the 1inch Card

The current official 1inch Card page names the following supported tokens, among others:

• 1INCH
• USDT
• BTC
• LTC
• XRP
• BXX

Only tokens officially named on the current 1inch Card page are listed here. Broader “all 1inch Wallet cryptocurrencies” listings should not be treated as card-spendable — the spendable set is defined by the card programme, not by the wallet.

How conversion works

When you pay, the required amount of the supported crypto asset is converted into fiat and the merchant receives a normal Mastercard payment. There is no need to pre-convert a balance: the conversion is triggered by the transaction itself, so the rate you get is the rate at the moment of purchase or withdrawal.

Reward assets

Cashback is paid in a crypto asset you choose from those officially named — 1INCH, USDT, BTC and BXX — and the rewarded rate varies with that choice. Rewards are credited to the wallet you select and claimed through the Crypto Life loyalty programme.

1inch Card fees and limits

Fees

Current public 1inch pages do not clearly expose a complete fee schedule, so Bitnxt does not publish specific numbers for this card. Fee types that can apply include:

• Virtual card issuance
• Physical card issuance
• Monthly card fee
• Annual card fee
• Crypto conversion fee — applied when crypto is converted to fiat for a purchase
• Foreign exchange / FX fee
• ATM withdrawal fee
• Replacement fee
• Inactivity fee

Third-party sites report figures such as no annual fee, 0% FX, a 1.75% crypto conversion fee and a 2% ATM fee — these are not officially verified and are deliberately not published here as Bitnxt facts. Fee amounts, currency and any exemptions are set out in the card terms presented during onboarding, which is the figure that applies to your account.

Spending and ATM limits

• Spending limits: vary by account and card restrictions
• ATM limit: subject to account limits and restrictions

Official 1inch material confirms that ATM withdrawals are supported, but current public pages do not publish reliable fixed numeric limits, so no figures are stated here.

Other costs to watch

Because spending converts crypto into fiat, the conversion may create a taxable disposal depending on your jurisdiction, and the conversion rate applied at the moment of the transaction is the rate that matters — not the rate when you funded the account. ATM operators may also charge their own surcharges independently of the card programme.