Keytom Card

What the Keytom Card is

Keytom is a digital account provider that holds fiat and crypto side by side, and the card is the spending layer. You get a virtual card immediately and can order a physical card for wider use, funded from a converted balance inside the account rather than from a separate card wallet.

The pitch is high limits

Keytom markets spending up to $150,000 per single transaction — far above the caps most crypto cards apply — plus ATM withdrawals of up to $3,000 a day and $10,000 a month. Acceptance is quoted at 130 million merchants worldwide, with contactless payments and automatic currency conversion at checkout.

What it costs

The card is not free to run. Virtual issuing costs nothing and there is no annual fee, but physical delivery is 50 USDC and the card carries a 10 USDC monthly fee. Card payments cost 1% in USD and 2.35% in other currencies, both with a 0.66 USDC minimum, and ATM withdrawals cost 2% in USD and 3.35% elsewhere. On a small monthly spend, the flat fees dominate.

Protection and scale

Keytom says it is registered as a licensed financial institution in Canada, keeps customer funds in segregated accounts opened in your name, and insures crypto up to $100 million through Fireblocks, underwritten by Marsh and Munich Re. Support runs on business days only, 05:00 to 15:00 UTC, and the platform reports more than 20,000 users.

Keytom pairs a named EUR IBAN and a multi-currency account with virtual and physical Visa cards, placing it beside AISI Bank in the EU account-plus-card field and next to Rebind, which adds interest-bearing savings. Custody of the account balance is the deciding factor, and the crypto cards directory records it.

Cards

• Virtual card issued for free and ready immediately on your phone.
• Physical card with worldwide acceptance and contactless payments.
• Automatic currency conversion at checkout from your account balance.
• Cards work for everyday spending, online subscriptions, travel and larger purchases.

Account

• Named EUR IBAN and 10+ currencies in one account.
• Fiat and crypto balances held side by side with in-app exchange.
• Segregated accounts opened in your name, keeping balances separate from company funds.
• No fixed transaction limits by default, though compliance may query individual transactions.

Security

• Two-factor authentication on transactions and AML controls at every step.
• Transaction monitoring with temporary withdrawal pauses during investigations.
• Crypto insured up to $100 million through Fireblocks, underwritten by Marsh and Munich Re.

Funding the card

Keytom does not publish an asset list on its card page. The card is funded by converting selected digital assets inside the account, so the practical list is whatever Keytom supports for exchange in your jurisdiction — check inside the app before depositing.

Fiat side

The account holds a named EUR IBAN and 10+ currencies, and you can exchange between fiat and crypto in a few taps without a separate app. That makes the card a fiat-spending product backed by crypto you convert, rather than a card that swaps at the till.

Custody

Fiat balances sit in segregated accounts opened in your name, and crypto holdings are insured up to $100 million through Fireblocks, underwritten by Marsh and Munich Re. Keytom describes itself as a licensed financial institution registered in Canada.

Published card fees

• Virtual card issuing: free
• Physical card delivery: 50 USDC
• Card monthly fee: 10 USDC
• Card payments in USD: 1%, minimum 0.66 USDC
• Card payments in other currencies: 2.35%, minimum 0.66 USDC
• ATM withdrawals in USD: 2%, minimum 0.66 USDC
• Non-USD ATM withdrawals: 3.35%, minimum 0.66 USDC

How the numbers stack up

The 10 USDC monthly fee is charged whether or not you spend, so over a year the card costs 120 USDC before a single transaction. Pair that with a 1% payment fee and a 0.66 USDC minimum per transaction, and the card becomes expensive for everyday small purchases while remaining reasonable for large transfers where a 1% charge on a big amount still undercuts an FX margin.

Limits

Keytom publishes no fixed account transaction limits, and the card allows up to $150,000 per transaction. ATM access is capped at $3,000 per day and $10,000 per month.

Support hours

Support operates on business days from 05:00 to 15:00 UTC, with out-of-hours messages answered the next business day — worth knowing if you travel across time zones.