The Crypto.com Visa Card has become a popular way to spend cryptocurrency and earn rewards. However, understanding its purchase limits is crucial for effective use. This article details the various limits associated with the card, covering daily, monthly, and ATM withdrawal restrictions. Limits can vary based on your card tier (Midnight Blue, Ruby Steel, Icy White, and Obsidian) and your verification level.
Understanding Your Card Tier & Verification Level
Your spending power is directly tied to your Crypto.com App stake and card tier. Higher tiers unlock higher limits. Verification level (KYC – Know Your Customer) also plays a role; fully verified accounts have access to the maximum limits.
- Midnight Blue: No staking required. Lowest limits.
- Ruby Steel: Stake 100 CRO. Moderate limits.
- Icy White: Stake 500 CRO. Higher limits.
- Obsidian: Stake 10,000 CRO. Highest limits.
Ensure your account is fully verified by providing the necessary identification documents.
Daily Purchase Limits
Daily purchase limits dictate how much you can spend with your Crypto.com card in a 24-hour period. These limits reset daily.
| Card Tier | Daily Spend Limit (USD) |
|---|---|
| Midnight Blue | $250 |
| Ruby Steel | $1,000 |
| Icy White | $2,500 |
| Obsidian | $10,000 |
These are standard limits, but Crypto.com may temporarily adjust them based on risk assessments.
Monthly Purchase Limits
Monthly purchase limits cap your total spending over a 30-day period. These limits are higher than daily limits but still restrict overall spending.
| Card Tier | Monthly Spend Limit (USD) |
|---|---|
| Midnight Blue | $1,000 |
| Ruby Steel | $4,000 |
| Icy White | $10,000 |
| Obsidian | $50,000 |
ATM Withdrawal Limits
Withdrawing cash from ATMs using your Crypto.com card also has limits.
- Daily ATM Withdrawal Limit: $500 (all tiers)
- ATM Fees: Vary depending on the ATM network. Crypto.com doesn’t charge fees, but the ATM operator might.
Increasing Your Limits
You can increase your purchase limits by:
- Staking more CRO: Upgrading to a higher card tier significantly increases limits.
- Completing Verification: Ensure your account is fully verified with all required documentation.
- Contacting Support: In some cases, you can request a temporary or permanent limit increase by contacting Crypto.com support. This is subject to approval.
Important Considerations
Transaction Monitoring: Crypto.com employs fraud detection systems. Unusual transactions may be flagged and temporarily blocked.
Available Balance: Your spending is limited by the available cryptocurrency balance in your Crypto.com App wallet.
Currency Conversion: Purchases in currencies other than USD will be converted at the prevailing exchange rate, and fees may apply.
