Crypto.com: Variable fees depending on the tier 1. Crypto.com: Variable fees depending on the tier Crypto.com offers several card tiers depending on the amount of CRO token staked. Payments in euros are generally free, but crypto conversions can incur fees of up to 2%. ATM withdrawals are free up to a certain limit (€200 to €1,000 depending on the tier), then charged at 2%. Card delivery is free, and there are no monthly fees. 2. Bitpanda: Transparency and simplicity Bitpanda charges €9.90 for the initial card delivery but applies no monthly fees. Payments in euros are free, and crypto conversions are automatic with no additional charges. ATM withdrawals are free for up to three per month, then charged at €1.99. This is a very advantageous card for regular use without any surprises. 3. Coinbase: Higher fees but accessible The Coinbase card is free to issue and has no monthly fees, but crypto conversion fees are higher: 1.49% to 2% depending on the cryptocurrency used. Euro payments are free, but ATM withdrawals may be charged at 2% for amounts exceeding €200 per month. It remains a good option for beginners, but less competitive for high-volume transactions.