The Crypto.com Visa Card has become a popular way to spend cryptocurrency and earn rewards. However, understanding the various limits associated with the card is crucial for a smooth user experience. This article details the spending, ATM withdrawal, and other relevant limits as of late 2023/early 2024. Limits can vary based on your region and card tier (Midnight Blue, Ruby Steel, Frost White, Icy White, Obsidian).
Spending Limits
Spending limits are tiered, meaning the higher your staked CRO (Crypto.com Coin), the higher your limits. These limits are generally daily and monthly.
- Midnight Blue (No Staking): Typically has the lowest limits. Daily spend: $250 ౼ $500. Monthly spend: $1,000 ౼ $2,000.
- Ruby Steel (Stake 100 CRO): Daily spend: $500 ౼ $1,000. Monthly spend: $2,000 ─ $4,000.
- Frost White (Stake 500 CRO): Daily spend: $1,000 ౼ $2,000. Monthly spend: $4,000 ౼ $8,000.
- Icy White (Stake 1,000 CRO): Daily spend: $2,000 ─ $5,000. Monthly spend: $8,000 ౼ $16,000.
- Obsidian (Stake 10,000 CRO): Highest limits. Daily spend: $5,000 ౼ $10,000+. Monthly spend: $16,000 ౼ $50,000+.
Important Note: These are approximate ranges. Actual limits are displayed within the Crypto.com App under the ‘Card’ section. Limits are subject to change based on risk assessments and regulatory requirements.
ATM Withdrawal Limits
Withdrawing cash from ATMs using your Crypto.com card also has limits.
- Daily ATM Withdrawal Limit: $500 ─ $1,000 (varies by card tier, similar to spending limits).
- ATM Withdrawal Fee: Typically $2.50 per withdrawal (can vary by ATM provider and region).
- Maximum Number of Withdrawals: Often limited to a few withdrawals per day.
Pro Tip: Minimize ATM fees by withdrawing larger amounts (within your daily limit) less frequently.
Other Important Limits
Transaction Limits
Individual transaction limits may apply, especially for larger purchases. These are often aligned with your overall spending limit. If a transaction exceeds your daily limit, it may be declined.
Card Activation Limit
Upon initial card activation, there might be a temporary lower spending limit. This is a security measure and will increase after verifying your identity.
Funding Source Limits
The amount you can spend is directly tied to the available funds in your Crypto.com App. You need to have sufficient cryptocurrency converted to fiat (USD, EUR, etc.) to cover your purchases.
Regional Variations
Limits can significantly differ based on your country of residence due to local regulations and banking partnerships. Always check the specific limits within your Crypto.com App for your region.
How to Increase Your Limits
The primary way to increase your limits is by staking more CRO. The more CRO you stake, the higher your card tier and the higher your spending and withdrawal limits. You can stake CRO directly within the Crypto.com App.
Verification: Ensure your account is fully verified with all required documentation. Complete verification unlocks higher limits.
Checking Your Limits
You can easily view your current card limits within the Crypto.com App:
- Open the Crypto.com App.
- Tap on ‘Card’.
- Select ‘Spending Limits’ or ‘ATM Limits’ to view your specific limits.
