The 1inch Card is shutting down: balances, deadlines, and what to move to

Updated October 2026

Licensed

Available in US

Fast payouts

18+ Only

The 1inch Card was one of the more recognisable crypto payment cards: a physical and a virtual card, issued with Mastercard through a licensed partner, funded from crypto sitting in a 1inch Wallet. That was the pitch. The reality today is narrower. The programme is being discontinued, new sign-ups are closed, and anyone who still holds a card is being told to move out their remaining balance. There is no application to fill in, no waiting list, and no second chance.

Conditions are current as of October 28, 2026.

That changes what a review of this card has to be about. Nobody is choosing between providers today. The only decisions left are about money that is still sitting in the old arrangement: when to move it, where to move it, and what to open instead so that you have a working card next time. So I looked at this as an exit review rather than a shopping review, and I scored it accordingly.

Who it suits now: existing cardholders who need to withdraw or spend what is left, and people who are still deciding where to go next. Who it does not suit: anyone looking for a card to apply for. That market has closed.

My verdict on the 1inch Card

I score the 1inch Card 4.4 / 10 — and that number reflects two different things, which is worth separating. As a card you could apply for today it scores almost nothing, because you cannot. As a card you already hold it scored better on the everyday-use side, because a physical and virtual Mastercard that loads from crypto is still a working instrument while it lasts. The closure drags the total down, and I think correctly so.

Two of those lines are the whole story. The everyday-use mark is the highest of the five and reflects a card that did what people wanted at the point of use. The reliability mark is the lowest and reflects what happens now: an ending, a deadline, and a support relationship that has to work under those conditions.

If you are still holding a card, my advice in one line: spend or withdraw what is left as soon as you reasonably can, and treat 18 December 2026 as a hard stop rather than a target.

What happened to the 1inch Card programme

The card launched on 8 April 2024, with Mastercard and with Crypto Life as the card provider. It was a physical and a virtual card issued by Crypto Life and, in the launch wording, powered exclusively by the Mastercard network. Separately, Crypto Life is the party behind the Frozen Time UNIPESSOAL LDA (EU) or Baanx Group Ltd (UK) entity, and Monavate Ltd (UK) or UAB Monavate (EU) is the issuer of the e-wallet your balance sits in.

Then the programme began being discontinued. The notice states plainly that “The 1inch Card programme is being discontinued”, that new sign-ups are closed, and that the recommended date to have moved out is 18 December 2026. The notice itself carries no date, so I cannot tell you how long ago the switch was flipped — that gap is on the page, not something I can fill in.

What is not on the notice is worth listing, because a lot of what people ask about this card simply cannot be answered from the card’s own pages any more. The public notice does not state the countries it served, the identity requirements, the annual cost, the fees, the supported wallets, the rewards, any tier structure, or the settlement currency. It does not state ATM terms, spending limits, how to fund the card, or the top-up mechanics. There is no refund or dispute process described. The card’s public pages do not say these things; that is not me being vague, it is a closure notice doing what a closure notice does.

Third-party listings filled some of those blanks, and I want to be clear about the status of what follows — none of it is confirmed by the card:

• Availability was reported as the EEA and the UK, and not offered in the US.
• Identity verification was reported as required, with a basic tier carrying lower limits.
• Annual fee reported as $0.
• FX fee reported as 0%, with a 1.75% crypto conversion fee on every transaction. Another aggregator lists a 2% card spend fee alongside the 1.75% conversion fee, so the two do not fully agree.
• Apple Pay and Google Pay reported as supported.
• A cashback offer reported as 2% in BXX or 1% in BTC/USDT, chosen at purchase — on a page that is internally inconsistent about “1INCH tokens” versus BXX.

Read that list as a description of the card as it was, not as a set of terms you can rely on today. With the programme closing, none of it is a commitment to you.

If you already have the 1inch Card

You have a balance, a card that still works until it does not, and a deadline.

Move the money. You are advised to withdraw or spend the balance as soon as reasonably possible by signing in to your card account, and the furthest foreseeable date given is 18 December 2026. The timelines here are set by the issuer and provider, not guaranteed by anyone else — that is stated, and it is the single most important sentence on this page for you. Treat 18 December as the date after which nothing works, not as a comfortable deadline.

Where the money actually is. Your balance sits in an e-wallet issued by Monavate, not by 1inch. That is a legal fact worth sitting with: the e-money institution named is Monavate Ltd (UK) or UAB Monavate (EU), an authorised e-money institution, and under the issuer’s card terms section 16, remaining e-wallet funds can be redeemed up to six years after account closure. Six years is a long tail of protection. It is not a reason to wait.

Withdrawal fees are not stated. The card’s public pages do not say what a withdrawal costs. Plan on the possibility of a fee and check in the card account before you assume the amount arrives intact.

If you are asked about your card, who answers. Card balance, status, KYC, closure and personal-data requests go to Crypto Life support, by email or by the chat inside the card account. If Crypto Life does not respond, you contact 1inch support with the request, the date and the channel; 1inch logs the case and escalates it, but cannot action account-level requests itself. Languages and support hours are not stated. So: expect a possible second round-trip, and keep your own record of dates and channels — that is exactly what 1inch asks you to send.

What the card looked like in daily use. The launch blog said the card needs only crypto in your 1inch Wallet, with conversion to fiat at the moment of payment. Physical and virtual cards both existed. Delivery details are not stated now. The card was managed in the Crypto Life card account, on the web and via in-account chat; app store ratings for the card are not stated.

Third-party figures for the daily mechanics, unofficial and not confirmed by the card:

• ATM fee 2%, with a $500 daily ATM limit.
• Daily spending limit $8,000; a separate directory listing gives EUR 8K daily and EUR 5K monthly. Those two do not match, which is itself the point — treat both as unconfirmed.
• Spendable assets: 1INCH, ETH, USDT, USDC, BTC, LTC, XRP, BXX, with networks not named.

That last one is the detail I would not skip. Networks are not named, and in this category that omission is expensive: sending on a network the provider does not support is a classic way to lose money, because blockchain transfers are irreversible. If you are moving a balance on-chain, confirm the network on the card’s own screen before you send, and keep a little of the gas token in the sending wallet — ERC-20 tokens such as USDT or USDC can be held in a wallet that cannot actually send them if it holds no ETH to pay the fee.

What can go wrong

The closure is the risk. Everything below is secondary to it, but secondary risks are still risks, and several of them are documented rather than hypothetical.

You wait too long. This is the main one, and it is not dramatic. The card works until it does not. Spending stops, loading stops, and then you are left holding a balance in an e-wallet and talking to support. Notice periods exist precisely so that people act early. Do it early.

Balances that are already in dispute. Reports I found about the card include a USDC deposit to the “1inch crypto card” confirmed on-chain but not credited (1 October 2026), a USDC deposit uncredited for more than 20 hours with answers saying “under review” (1 September 2026), a card transfer that never arrived (30 September 2026), a withdrawal pending more than 30 days (February 2026, on the wallet rather than the card), and slow generic support (June 2025, October 2025, June 2026). Deposits that are on-chain but uncredited are the pattern I would watch most closely, because the money exists and the credit does not, and the resolution runs through support rather than through the blockchain.

Who you are actually dealing with. Three names matter, and they are not interchangeable. Balances sit with Monavate Ltd (UK) or UAB Monavate (EU) as an authorised e-money institution. The card provider is Crypto Life, behind Frozen Time UNIPESSOAL LDA (EU) or Baanx Group Ltd (UK). The crypto brand on the front of the card, 1inch, is the programme’s face and support route — not the holder of your funds.

The custody language is muddy. The launch blog says users keep control of their assets “while still retaining custody”, which is ambiguous on its face; keeping control and someone else holding the keys are different claims. There is a cleaner version of the same point: funds here are held in an e-wallet at an authorised e-money institution, not by you. On security controls, two-factor authentication, instant freeze and spending limits are not stated — so I cannot tell you what protections you actually had on the card, only what the general category tends to offer.

Trustpilot, read carefully. Trustpilot for 1inch overall, read on 20 October 2026, showed 3.6 out of 5 from 547 reviews, with only 6 reviews in the last 12 months; 79% five-star and 5% one-star, and the company replying to 16% of negative reviews. An earlier figure I saw cited through Traders Union put 1inch at 4.2 out of 5 from 543 reviews — Trustpilot’s own page shows 3.6, so use 3.6. Two things to note: most of these reviews are about 1inch overall, not the card, and six reviews in a year is a thin base either way. A low response rate to negative reviews matters more than the star figure here.

Nothing official describes a dispute process. There is no refund or dispute process stated on the notice. For a prepaid-style card, that is not unusual — protections that apply to US debit cards under Regulation E or to credit cards under Regulation Z do not automatically carry over to prepaid cards, and that coverage varies and should not be assumed.

Declines and holds. A declined authorisation can leave a hold on your funds for several days, typically up to seven. In a prepaid model the balance simply is there, so a decline plus a hold is a bigger inconvenience than it would be on a credit card.

What to take instead

Here is the honest part: I cannot tell you which of these is right for you, because the answer turns on your country, your documents, and how you want to hold money — and those three things differ more than the marketing does. What I can do is put the four together in a shape you can compare.

TokenPocket. Visa debit for a list of European countries and territories — Germany, France, Spain, Switzerland among them — and Mastercard debit for Australia, Canada, Hong Kong, Japan, Taiwan, New Zealand, Singapore, South Korea and the UK, among others; the Americas were described as “planned for Q2 2025”, which is the kind of phrase that should be read as “not yet”. The cards run on Arbitrum, Fiat24 versions are virtual, and balances sit in EUR24 and USD24. On cost: the NFT creation fee is partly covered by TokenPocket and the user pays “a small portion”, with the amount not stated, and otherwise no additional fees. The one fee that is stated is real, though: 1% on depositing cryptocurrency into the card, which the company says is refunded later through rewards and reduced transaction fees. No cashback is stated separately. Specific coins and networks for depositing are not listed in the FAQ. Deposits come from the TokenPocket wallet.

MetaMask. The most straightforward of the four for a reader who wants a card that behaves like a normal one. Mastercard, virtual card issued instantly, metal pre-orderable in the app after virtual approval, one card per user, with Monavate as issuer and Crypto Life as card provider — the same partner names that appear on the 1inch card, which is a useful thing to know if you are moving money between the two. Sign-up is open in 45 listed countries and territories, with examples given including Andorra, Argentina, Brazil, Canada, Mexico, Germany, France, Spain and Uruguay; other regions are on a waitlist, proof of residency is required, and the page is careful to say ineligible regions limit sign-ups, not spending. Citizenship rule is not stated. US and UK sign-ups are temporarily closed per the FAQ. The virtual card is free with no annual or maintenance fee; the metal card is $199 a year. Fees are described as a minimal per-transaction fee with no additional MetaMask fees and no foreign transaction fee, Mastercard’s rate used — the amount is not stated on the pages I read. It spends directly from your connected wallet on Linea, Base, Monad and Solana, across tokens including mUSD, wETH, EURe, GBPe, USDC and USDT, and the page says nine. A Solana-only wallet cannot withdraw the credit. Rewards: cashback in mUSD into the Money Account, 1% on Virtual and a 3% headline on Metal that a footnote caps at 3% on the first $10,000 spent and 1% after, plus a $FLY bonus multiplier of 5X or 7X through the Blackbird dining app.

KAST. The most complex, and the one to read most carefully before you commit. It offers virtual and physical cards, up to 10 per user, with Visa Platinum for Standard, Visa Infinite metal for Premium and gold-plated Visa Infinite for Private, plus other designs in Pengu, Solana and Bitcoin. Membership is the gate: Standard $0, Premium $1,000 a year, Private $10,000 a year, billed annually upfront with no monthly option. Add an inactivity fee of $1 a month after 12 months, a 2 USD charge for an extra virtual card in some regions, a Standard physical card at 0 USD card fee plus 40 USD delivery, and renewal or reactivation fees exist at amounts not stated. Fees are unusually transparent where they matter: stablecoin top-up 0%, USD card spend 0%, transaction fee 0%, Apple and Google Pay 0%; the costs sit in non-USD FX at 0.5%–1.75% depending on your residence country, transaction country and card programme, a 0.10 USD fee on non-USD transactions under 25 USD, 0.50 USD for a declined transaction on insufficient balance, and a fee shown in the app if a non-stablecoin token is auto-converted. Rewards are USD cashback by tier — 1.5% on the first $2,000 a month for Standard, 2% on the first $10,000 for Premium, 3% on the first $40,000 for Private — plus KAST Points at none, +1% and +2% of eligible spend.

• On KAST’s eligibility wording specifically: the country list is not published, but the KAST page says that if your country is not listed, KAST is not available there; it also says that living in a supported country while holding only an ID from a restricted region may still make you ineligible to pass KYC, that dual citizens with an ID from a supported country may pass, that only the account holder’s own ID is accepted, and that a VPN does not bypass this. An account can be created in an unsupported country with KYC still locked. You can create an account where you are not and still not be able to verify. That is a design choice, not a bug — but it means the country list you care about is the one you read on their KYC screen, not one I can print for you.
• On KAST’s funding terms: stablecoin top-up is 0% and no bank account is needed, with USDT and USDC listed on Ethereum, Solana, Polygon, Arbitrum and TRON, and the app listing current networks. One inconsistency to know about: the terms say acceptable tokens are “currently USDT and USDC”, while the page also names PYUSD and RLUSD. Balances are USD, with stablecoin deposits converted 1:1 at a 0% spread, and spending is from your own balance with each purchase deducted straight away — not credit.
• On MetaMask’s rewards arithmetic: the 3% Metal headline and the 1% Virtual rate are both in the same footnote. The cap sits at the first $10,000 spent.

What none of these change: the category-level facts. A card number starts with a 6- or 8-digit issuer identifier that any merchant can look up, and a card issued in one country can look foreign to a shop in another — which is why prepaid and foreign-issued cards get declined more often. Some merchants block specific categories, with gambling (MCC 7995) the classic example, and those blocks are policy rather than law and differ by issuer. Address verification is mostly a US, Canada and UK service and is generally unavailable for foreign-issued cards, which causes declines. On Apple Pay, the card number is replaced by a device-specific number held on the device, with a fresh one-time code per payment, and an issuer can still restrict a tokenised card to certain channels. And a card in this category is a payment service regulated separately from the crypto side, so it typically rests on two licences: one for the crypto activity under MiCA — which took legal effect in June 2023, with the token rules from 30 June 2024 and the rest from 30 December 2024, and a transitional period running to 1 July 2026 — and one for the e-money or payment service itself. E-money institutions must safeguard customer funds in dedicated accounts or insured, but those funds are not bank deposits and may not sit under a deposit guarantee scheme.

Who I would recommend it to

I would not recommend the 1inch Card to anyone as something to sign up for. There is no sign-up. If you are reading a page that tells you how to get one, the page is out of date.

I would recommend acting, in this order, if you are a holder:

• Spend or withdraw now, not in December. Do it from the card account, and check what a withdrawal costs before you assume the amount arrives whole.
• If a deposit is uncredited, escalate early. On-chain confirmation without a credit is the pattern in the reports, and it needs support, not patience. Keep the transaction hash, the date and the channel.
• Open your next card while you still can. Keep a working instrument through the move rather than emptying the balance and having nothing.
• Choose by your country and your documents first, fees second. Availability, residence proof and citizenship rules do more damage than a percentage point of FX fee.
• If you cannot get a card at all, the honest answer is that this category has no universal answer. Availability is a list, not a market, and the list is the constraint.

On the scoring, one last thought. 4.4 out of 10 for a card that scored 9 out of 10 on everyday use is not a contradiction — it is what closure does to a good instrument. Judge it on what it is now: an ending with a date on it. Act accordingly.

Frequently asked questions

What is the 1inch Card?

It was a crypto payment card launched on 8 April 2024 with Mastercard and Crypto Life as the card provider. It came as a physical and a virtual card, described in the launch blog as powered exclusively by the Mastercard network, and was funded from crypto held in a 1inch Wallet, converted to fiat at the moment of payment. Your balance sat in an e-wallet issued by Monavate, not by 1inch. The programme is now being discontinued, so this describes a card that has stopped accepting new customers rather than one you can apply for.

How did the 1inch Card work?

You held crypto in your 1inch Wallet and the card converted it to a fiat balance when you paid, so the instrument behaved closer to a prepaid card than to a bank debit card — the card spends a stored balance and cannot overdraw it. The card was managed in the Crypto Life card account, on the web or through in-account chat. Identity verification was handled by the card provider, with the specific requirements not stated on the card’s public pages.

Can I still apply for the 1inch Card?

No. The discontinuation notice states that the programme is being discontinued and that new sign-ups are closed. There is no application, no waitlist and no reopening mentioned. The card’s public pages do not state which countries it served, so I cannot give you a country list, and any third-party list you find is unofficial and unconfirmed by the card. If you need a card now, the comparison section above is where to start.

I still have a 1inch Card — what should I do first?

Withdraw or spend your balance as soon as you reasonably can by signing in to your card account, and treat 18 December 2026 as a hard stop rather than a target. That is the recommended move-out date, and the timelines are set by the issuer and provider. Remaining e-wallet funds can be redeemed up to six years after account closure under the issuer’s card terms, section 16. Withdrawal fees are not stated, so check in the account before you assume the amount arrives intact.

Where did my 1inch Card balance actually sit?

In an e-wallet issued by Monavate Ltd (UK) or UAB Monavate (EU), an authorised e-money institution — not with 1inch. That distinction matters if anything goes wrong, because the closure and account requests are handled by the card provider Crypto Life, behind Frozen Time UNIPESSOAL LDA (EU) or Baanx Group Ltd (UK). Card balance, status, KYC, closure and personal-data requests go to Crypto Life support by email or the chat in the card account.

Was the 1inch Card safe to use?

Your funds were held in an e-wallet at an authorised e-money institution rather than by you, so the relevant risks are counterparty risk and support quality, not the blockchain alone. Reports I found include a USDC deposit confirmed on-chain but not credited (1 October 2026), an uncredited deposit of more than 20 hours (1 September 2026) and a card transfer that never arrived (30 September 2026). Two-factor authentication, instant freeze and spending controls were not stated, and Trustpilot showed 1inch overall at 3.6 out of 5 from 547 reviews.

What can I use instead of the 1inch Card?

Four options in this review scored above it. TokenPocket (5.8 / 10) offers Visa or Mastercard debit across long country lists, with a 1% crypto deposit fee. MetaMask (7.1 / 10) offers a free instant virtual Mastercard in 45 listed countries, with a $199-a-year metal option, and the same issuer and provider names as the 1inch card. KAST (6.1 / 10) offers Visa tiers at $0, $1,000 or $10,000 a year with 0% USD spend fees. Availability in your country decides between them.

Do these alternative cards require KYC?

Yes, all of them. MetaMask requires proof of residency and lists 45 countries and territories with sign-up open, while US and UK sign-ups are temporarily closed. KAST checks residence at KYC and also weighs citizenship and the document you hold, publishing no country list. TokenPocket’s verification terms are not set out in the pages reviewed. In the EU, customer due diligence covers identity documents, a sanctions check and the purpose of the relationship, and if it cannot be completed the institution must not proceed.

Is the 1inch Card worth switching to — or from?

Nothing to switch to: applications are closed, and unofficial reports already indicated the EEA and UK only, not the US. If you are deciding where to go next, compare on country availability and documents first, then fees. And note that a crypto payment is generally a taxable disposal in the US, since the IRS treats digital assets as property, so the timing of a move is not purely a practical question.

Who do I contact if 1inch Card support does not answer?

Go to Crypto Life support first, by email or through the chat in the card account, for balance, status, KYC, closure and personal-data requests. If there is no response, contact 1inch support with the request, the date and the channel you used; 1inch logs the case and escalates it but cannot action account-level requests itself. Support languages and hours are not stated. Given the reports of slow, generic answers, keep your own dated record of every message.

Content created by the «cryptocardverdict» team