Crypto Card Withdrawal & Spending Limits in 2026: Full Comparison

Withdrawal and spending limits are criteria that are often overlooked when choosing a crypto card. Yet, depending on your usage (travel, large purchases, frequent cash withdrawals), these limits can quickly become a real obstacle. This comparison sets the record straight.

Types of Limits on Crypto Cards

Crypto cards generally impose several types of limits:

• ▸Daily ATM withdrawal limit: maximum amount you can withdraw in cash per day
• ▸Monthly ATM withdrawal limit: total amount over the month (often with a free allowance)
• ▸Daily spending limit: total transaction amount within a 24-hour period
• ▸Monthly spending limit: total transactions over the month
• ▸Per-transaction limit: maximum amount per single payment
• ▸Loading limit: maximum amount that can be credited to the card

These limits vary depending on your card tier (staking level) and the KYC level you have completed.

Crypto.com Card: Limits by Tier

Note: Crypto.com does not always publish its monthly spending limits. Contact their support team for information specific to your situation.

Binance Card: Limits

• ▸Monthly ATM withdrawal: depending on country, generally €5,000/month
• ▸Daily spending: up to €8,700 depending on KYC level
• ▸Monthly spending: up to €25,000 with full KYC
• ▸Per-transaction cap: €10,000

The Binance Card offers some of the highest limits on the market, making it well suited for large purchases.

Coinbase Card: Limits

• ▸Daily spending: $10,000
• ▸Daily ATM withdrawal: $500
• ▸These limits may vary depending on identity verification level and country of residence

Revolut Metal: Limits

• ▸Free monthly ATM withdrawal: €600 (2% fee beyond that)
• ▸Daily spending: generally €10,000
• ▸Key advantage: Revolut's limits are among the most transparent and best-documented in the industry

How to Increase Your Limits

Through Advanced KYC

Most platforms offer multiple identity verification levels:

1. 1.Basic KYC: email + ID document → standard limits
2. 2.Advanced KYC: proof of address + source of funds → increased limits
3. 3.Professional KYC: for businesses or high-volume users

Through Your Staking Tier

The higher your staking tier, the higher your limits will generally be. The Crypto.com Obsidian card offers significantly higher limits than the Midnight Blue tier.

By Contacting Support

For exceptional one-off needs (property purchase, major investment), some platforms can temporarily increase your limits upon request, subject to supporting documentation.

Practical Use Cases

Frequent traveller: check the monthly ATM withdrawal limit. If you travel for 2 weeks per month and withdraw €100/day, you need at least €1,400/month in ATM withdrawals.

Entrepreneur: professional purchases can be substantial. Check the per-transaction and monthly limits. The Binance Card (€25,000/month) is particularly well suited for this profile.

Casual user: standard limits (€200–€400 ATM, €10,000 spending) are more than sufficient for everyday use.

FAQ

Are the limits the same in my home country and abroad? Not always. Some cards apply different limits depending on the geographic region. Always check the specific terms and conditions for your destination before travelling.

Can you hold multiple crypto cards to stack limits? Technically, yes. However, the tax implications become more complex. In addition, maintaining multiple accounts with staking requirements can tie up a significant amount of capital.

Are limits communicated upfront, or do you only discover them when a transaction is declined? Reputable platforms document their limits in their terms and conditions or within the app itself. If in doubt, contact support before you actually need the information.

Are incoming transfers to a crypto card also subject to limits? Yes. Most cards have loading limits that can block large incoming transfers. Be sure to check these limits if you plan to load significant sums onto your card.