Image: 1inch with Crypto Life

1inch Card review: fees, cashback and limits

Name: 1inch Card
Brand: 1inch with Crypto Life

The 1inch exchange's prepaid Mastercard for the UK and Europe, with 1% to 2% back in crypto.

By Taimoor, founder and editor Last checked 17 October 2026 3 sources

4.9out of 10

Quick answer

The 1inch Card is a prepaid Mastercard for the UK and EEA, run by Crypto Life with Baanx and issued by Monavate. There's no monthly or annual fee and no FX markup on top of Mastercard's rate, but spending crypto through the card costs 2%. ATM cash costs €2.50 in the UK and €3 plus 1.5% elsewhere. Cashback is 1% to 2% depending on the coin you take it in. It isn't available in the US.

1inch Card at a glance

Best for	1inch users in the UK and Europe who want a Mastercard that spends their tokens.
Skip it if	You want low-cost crypto spending; 2% per purchase is expensive.
Network	Mastercard
Card issuer	Monavate (card program by Crypto Life and Baanx)
Custody	Hybrid. Funds move from your wallet to a Crypto Life account that the card spends.
Card type	Prepaid
Virtual or physical	Virtual and physical
Cashback	1% to 2% in crypto
Annual fee	None. No monthly fee.
Apple Pay / Google Pay	Yes / Yes
Identity check (KYC)	Required
Where it works	The UK and EEA. Not available in the US.

1inch Card fees

Card cost	Shown in the app
Annual or membership fee	None. No monthly fee.
FX and cross-border	0% markup. Mastercard's exchange rate applies.
Crypto conversion	2% on card spending funded with crypto. 1.75% for a manual crypto-to-fiat conversion.
ATM withdrawals	€2.50 in the UK. €3 plus 1.5% outside the UK.
Other fees	EUR or GBP bank withdrawals from the Crypto Life account: about 3.5%

Mastercard applies its own exchange rate on top of any card markup. Check the fee page in the 1inch Card app for your country before you load money. To see what 1inch Card would cost you in a year compared with every other card, try the cost calculator.

What a $100 purchase costs with 1inch Card

$2.00Paid from stablecoins in the card's own currency

$2.00Paid from stablecoins in a foreign currency

$2.00Paid from other crypto, like BTC or ETH

$1.00Cashback on $100, Standard tier

These are 1inch Card's own fees on the Standard tier, before the card network's exchange rate and any ATM or top-up costs. Its FX markup of 0% is lower than the median of 1% across the 60 cards we track with a published FX fee, and cheaper than 37 of them. For a full year based on your own spending, use the cost calculator.

Where it ranks by our score: #31 of 36 in Europe (EEA)#19 of 20 in United Kingdom

Cashback and rewards

1% to 2% back depending on the reward coin: 1INCH, USDT, BTC or BXX
No published monthly cap

Deposits and withdrawals

How to top up

Crypto deposits: BTC, LTC, XRP and supported Ethereum and Solana assets, including 1INCH and USDT
EUR or GBP bank transfers into the Crypto Life account, depending on region

Fees: No fee for bank deposits. Network fees for crypto.

How to withdraw

Crypto withdrawals from the Crypto Life account
EUR or GBP bank withdrawals
ATM cash

Fees: Bank withdrawals about 3.5%. ATM €2.50 (UK) or €3 plus 1.5%.

Supported assets: 1INCH, USDT, BTC, LTC, XRP, BXX and other supported tokens.

Where 1inch Card works

The UK and EEA. Not available in the US.

The US and countries outside the UK and EEA.

United KingdomEurope (EEA)

Limits and perks

Limits

Spending and ATM limits are set per account and shown in the app

Perks

Pick your cashback coin

Pros and cons

What's good

No FX markup on Mastercard's rate
No monthly or annual fee
Cashback in 1INCH, USDT or BTC

What's not

2% on every crypto-funded purchase
Expensive bank withdrawals
UK and EEA only

Our take on 1inch Card

The 1inch Card comes from the team behind the 1inch DEX aggregator, but the card itself is run by Crypto Life and Baanx, the same partners behind the Ledger CL Card. You move crypto into a Crypto Life account, and the prepaid Mastercard converts it when you pay.

There's no subscription and no FX markup on top of Mastercard's rate, which is good for travel. The cost is the 2% charged when the card converts crypto to pay for a purchase, so a €100 dinner costs about €2 in fees. Cashback of 1% to 2%, depending on which coin you take it in, offsets some of that.

ATM cash is €2.50 in the UK and €3 plus 1.5% elsewhere, which is mid-range.

Fine for 1inch fans in Europe who'll take rewards in crypto, but the 2% spend fee makes it a weak everyday card.

How we scored 1inch Card: 4.9/10

Methodology

Fees 30%

4 No FX markup or monthly fee, but 2% on crypto-funded spending.

Rewards 20%

6 1% to 2% with no published cap.

Control 20%

5 Funds sit in a provider account while you spend.

Reach 15%

4 UK and EEA.

Flexibility 15%

6 Several chains and coins, plus bank deposits.

1inch Card FAQ

Who issues the 1inch Card?

Monavate issues it, and Crypto Life runs the program with Baanx. It's a prepaid Mastercard.

What does the 1inch Card cost to use?

No monthly fee and no FX markup, but 2% on purchases paid with crypto. ATM cash is €2.50 in the UK and €3 plus 1.5% elsewhere.

Is the 1inch Card available in the US?

No. It's for residents of the UK and EEA.

Sources

1inch CardIssuer, program partners, supported coins, checked Oct 17, 2026
1inch Help: 1inch Card basic overviewAvailability
cryptocard.guide: 1inch CardCrypto Life fee schedule, cashback range, checked Aug 31, 2026

We checked these sources on 17 October 2026. Fees and rewards change often. Spotted something out of date? Report a correction and we'll check it within two working days.