Free if you spend A year at $500/moNo fees and no cashback at this spend
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Teroxx Pay
Tap the card to read the small print
Your first year on the cheapest plan, Lite, €10,000 funded incl. €5,000 in XRTFX fee not published
- Monthly fee
- FX fee not published
- Cashback
- 0.5% in XRT
- Currency fee
- FX fee not published
- ATM
- €5 + 1–3%
- Your money
- Company holds it
- Sign-up
- ID + proof of address, via a relationship manager
- Apple / Google Pay
- The card itself
- Card fee not published
How we calculateEstimate for everyday spending: most of it in your local currency, topping up with crypto.Checked November 10, sources in each section below
Our take
For wealth-management clients of a licensed crypto firm who want to spend from their portfolio. Not for you if you want a card without first putting a large sum and the firm's own token into the account.
Pay in other currencies a lot? Compare with Lava Card
Good to know
- Licensed under MiCA in Cyprus
- Apple Pay and Google Pay
- Physical card by post
- Needs €10,000 funded for the entry level
- 1.5% to top up with stablecoins
- Cashback paid in Teroxx's own token
Fees
SourceTeroxx Pay fact sheet (03.11.2026) · checked November 10- Monthly fee
- Teroxx status levels · November 10
- None publishedStatus page: 'all levels have no hidden costs'
- Top up with BTC or ETH
- 1% at Lite, 0% from SilverFees page lists BTC/EUR and ETH/EUR at 3%
- Top up with USDC or EURC
- 1.5% at all levels
- Paying abroad
- Rate shown in the appNo markup published
- Card issuance
- Not published
Plans
Lite€10,000 funded (incl. €5,000 XRT) or €50,000
- Teroxx Pay card
- 0.5% cashback in XRT
- 1% BTC/ETH top-up
Silver€30,000 funded (incl. €20,000 XRT) or €250,000
- 1.5% cashback in XRT
- 0% BTC/ETH top-up
- Web app, investment advice
Gold€90,000 funded (incl. €60,000 XRT) or €500,000
- 2.5% cashback in XRT
- Fee kickbacks in XRT
Platinum+€250,000 funded (incl. €125,000 XRT) or €1M, after 12–18 months
- 3.5% cashback in XRT
- Concierge and lounge access
Limits
SourceTeroxx Pay fact sheet (03.11.2026) · checked November 10- Limits
- Shown in the Teroxx App
Top up & withdraw
SourceTeroxx Pay fact sheet (03.11.2026) · checked November 10Top up
- Crypto
- BTC, ETH, USDC, EURC from your Teroxx balance
Withdraw
- Card balance back to crypto
- Teroxx fees page · November 10
- Listed under 'Teroxx Pay (Top Up / Withdraw)'Same rates as top-up
- Cash withdrawal
- €5 + 1% to 3%Depends on region and status level
For residents of 30 countries
Not on the list? Then Teroxx Pay doesn't accept people living there yet.
- How they check where you live
- Proof of address document issued within three months
- ID from another country
- Not published
- ID accepted
- Teroxx help center · November 10
- Government ID and proof of address (issued within 3 months), checked by Sumsub; account opened via contact form and a relationship manager
- Pays in
- Teroxx Pay fact sheet (03.11.2026) · November 10
- 130M+ merchants worldwide; cash in 200+ countries
Trust
SourceTeroxx Pay fact sheet (03.11.2026) · checked November 10- Card issued by
- Wallester AS, via Teroxx Digital Asset Ltd
- Licence
- Visa debit issued by Wallester AS; Teroxx Digital Asset Ltd is a CASP under CySEC licence CASP004/25
- Based in
- Cyprus (Teroxx); card issued in Estonia (Wallester)
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