My German Finances
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Crypto.com provides a convenient way to own a crypto as well as fiat currency VISA Card in Germany. They offer the option to choose from over 40+ cryptocurrencies and stablecoins. Cryptocurrency is converted into the respective market’s currency and loaded into your Crypto.com VISA Card for use in purchase and ATM withdrawals. You can also deposit your fiat currency, e.g. Euro, onto your VISA card directly. They offer 100% cashback e.g. on Spotify, Netflix, Amazon Prime and more. Their biggest selling point is that you can receive at least 1% and up to 8% cash back on all of your spending (depending on your card tier). No annual fees, just an easy-to-use credit card.
Make sure to provide this code to get $25 starting credit when signing up for a Ruby card or above: 3sugshsmrq
The registration and account opening process can be done online, exclusively through the Crypto.com app (or let them send you a link when signing up through your browser). Sign up for a Crypto.com VISA Card by downloading their app; which can be found both on Google Play and Apple App Store. Next, complete their KYC verification, which entails providing requested information about documents needed for registration and the registration process.
Make sure to provide this code to get $25 starting credit: 3sugshsmrq
Note: Crypto.com App is only compatible with mobile devices.
Issuance of Virtual Card: One is eligible for a virtual card once review of address documents is complete, verified, and accepted. You will be able to use your Crypto.com card immediately, but you will have to wait for your physical card to be shipped to you.
Luckily, there is a good workaround if you want to start using the Crypto.com card in stores in order to receive your cash back: Simply download the Curve app and add the Crypto.com VISA card to your wallet. Curve is compatible with Apple Pay and Google Pay, so you can start using your Crypto.com card in stores immediately and you even receive 1% cash back through Curve on top of your Crypto.com cash back.
Note: After they complete review of the address documents, users in EU/UK and US will receive a virtual card in the App.
Virtual cards can be used instantly for online spending after top-up via the Crypto.com App.
Acquisition of Physical Card: After downloading the app and completing their KYC verification, select “Card Page” located at the bottom right corner of the app, choose the card tier of your choice and stake the respective CRO equivalent for your card of choice. Be careful to select the correct card tier, because it is not easy to change afterwards. Steps required:
Important: Crypto.com App users have to own CRO tokens and stake them for 180 days. Staking means that you deposit those CRO tokens in a locked up wallet in the CRO app and cannot sell them during these 180 days. However, you still earn weekly interest on them.
If you are interested in how to buy cryptocurrencies in Germany, read more about this topic here. For any crypto tax implications in Germany, read more here.
Make sure to provide this code to get $25 starting credit: 3sugshsmrq
Your Crypto.com VISA Card can be used just like any other VISA card to pay in over 40 million Points of Sale worldwide and a wide number of retail shops.
You can top up your Crypto.com VISA debit card either by bank transfer from your regular bank account or via credit card (for free).
Note: Crypto.com Card is a VISA debit card. Some traders may need a credit card transaction to access and use their services. Some subscription-based services may also require you to use a credit card for application. Crypto.com VISA Card does not allow use of their cards for: gambling services, issuing cash advances, and making payments to financial institutions.
Additional feature: Crypto.com VISA Card also facilitates Buying, Selling, and showcasing of NFTs.
Withdraw cash using your Crypto.com VISA Card; from nearly any ATM worldwide that has got the VISA or VISA Plus logo.
Note: There are no administrative charges for withdrawal of cash if you keep within the cash limit of the card. If exceeded, then the fees may differ depending on your card tier. Card limits and fees are found in the Crypto.com app under settings, in the Fees and Limits segment (Midnight Blue has the lowest limits and Obsidian has the highest limits), so always be sure that you’re checking the right card tier.
Staking means that you deposit those CRO tokens in a locked up wallet in the CRO app and cannot sell them during these 180 days. However, you still earn weekly interest on them.
The cash back is paid out in CRO tokens. You can either keep saving the CRO tokens or sell them for your fiat currency immediately.
Tip: You can add an additional 1% cash back on any card by combining the Crypto.com card with the Curve app.
Card limits and fees are found in the Crypto.com app under settings, in the Fees and Limits segment (Midnight Blue has the lowest limits and Obsidian has the highest limits), so always be sure that you’re checking the right card tier.
Your full legal name
Verification documents under your name for proof of residential address, one of the following is accepted (should be provided within 3 months)
If your application is still pending or its status hasn’t changed within 3 business days, kindly contact Support via the in-app chat. They may ask you to provide additional information to assist in resolving the issue.
Make sure to provide this code to get $25 starting credit when signing up for a Ruby card or above: 3sugshsmrq
