Coinbase Card for the EU

This article is specific to Coinbase Card for the EU. If you need support for Coinbase Card for the US, please see this help article. If you need support for Coinbase Card for the UK, please see this help article.

If you are unable to resolve your issue with the help article, please contact support.

Coinbase Card allows residents to spend crypto (including USDC) and local currency wherever Visa cards are accepted. It can be used for both cash and cryptocurrency (crypto) transactions.

There’s no application fee or credit check during the application process.

Eligible users can earn rewards by using the Coinbase Card for spending. The more you use it, the more rewards you accumulate over time.

Eligibility

To to be eligible for the Coinbase Card:

  • Reside in one of the following regions: Austria, Belgium, Bulgaria, Croatia, Cyprus,Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, and the UK.

  • Have a valid Coinbase account

  • Complete identity verification during the application process

  • Agree to the Coinbase Card legal terms

Apply

To apply through Coinbase.com or the Coinbase mobile app:

  1. Sign in to your Coinbase.com account or access the Coinbase mobile app.

  2. Select Card from the navigation bar.

  3. Follow the prompts to apply for your Coinbase Card.

    1. You'll be asked to verify your address, agree to legal disclosures, and select a currency to earn rewards.

  4. Once you sign up, you'll be able to use your virtual card right away or order a physical card to use in person or at an ATM.

Delivery

To order your physical card, you'll be asked to verify your address as well as set up your PIN. Once completed, you’ll receive your physical card in 2-3 weeks. In the meantime, you can start using your virtual card in the Coinbase mobile app.

Additional terms

The Coinbase Card is issued by Pathward N.A., Member FDIC, pursuant to a license from Visa U.S.A. Inc. The Coinbase Card is powered by Marqeta.1Coinbase will automatically convert all cryptocurrency to US Dollars and transfer the funds to your Coinbase Card (less conversion fees) for use in purchases and ATM withdrawals.2Crypto rewards are an optional Coinbase offer. 3Standard data charges may apply.

Once you’re approved for a Coinbase Card, you can begin using your virtual card. Use your card at Visa merchants, excluding specific categories.

Immediate online use

You can use your card immediately by viewing the number through your Coinbase account.

To view your card number:

  1. Sign in to your Coinbase.com account or access the Coinbase mobile app.

  2. Select Card from the navigation bar.

  3. Display your card info.

    • Browser: Select Show card number.

    • Mobile app: Select Show card info.

Activate your physical card

To activate your physical card:

  1. Sign in to your Coinbase.com account or access the Coinbase mobile app.

  2. Select Card from the navigation bar.

  3. Activate your card.

    • Browser: Select Activate Coinbase Card.

    • Mobile app: Select Activate your card.

  4. Select Activate physical card.

  5. Enter your card number and 3-digit CVV number.

  6. Select Activate Card.

Personal Identification Number (PIN) set up

You may need to create a PIN in order to withdraw cash from an ATM.

To create/change a PIN:

  1. Sign in to your Coinbase.com account or access the Coinbase mobile app.

  2. Select Card from the navigation bar.

  3. Select Set PIN.

  4. Enter a 4-digit number and select Set PIN.

These steps can be followed to change your PIN in the future, too.

Funding Guidelines

  • Do: Link your bank account or Paypal account to your Coinbase account to fund your spending.

  • Don’t: Use your vault, Coinbase Wallet, Coinbase Prime, or Coinbase Commerce balance to fund your spending.

To fund your Coinbase Card:

  1. Sign in to your Coinbase.com account or access the Coinbase mobile app.

  2. Select Card from the navigation bar.

  3. Select Add Funds.

  4. Select the amount to buy and your payment method, then choose Review Order. 

  5. Select Place Order.

Spending limits

Spending limits vary between customers. To check your card limits:

  1. Sign in to your Coinbase.com account or access the Coinbase mobile app.

  2. Select Card.

  3. Select Support.

  4. Select View spending and ATM limits.

Prohibited merchant categories

Coinbase Card can’t be used to make purchases for/from: securities broker-dealers, dating/escort services, massage parlors, gambling (including casinos), money orders, wire transfers, government owned lotteries, government licensed online casinos (online gambling), government licensed horse/dog racing, internet gambling, money services businesses, cryptocurrency businesses, firearm-related businesses (manufacturing and selling), marijuana-related businesses, or usage limits.

Restricted countries

Coinbase Card can't be used in: Afghanistan, Albania, Belarus, Central African Republic, China, Cuba, Democratic Republic of the Congo, Ethiopia, Hong Kong, Iran, Iraq, Lebanon, Libya, Mali, Myanmar (Burma), Nicaragua, North Korea, Russia, Somalia, South Sudan, Sudan, Syria, Turkey, Ukraine, Venezuela, Yemen, or Zimbabwe.

You can manage many aspects of your Coinbase Card such requesting a new card, updating your billing information, and more.

Request a new card

Before you request a new card:

  • You cannot have more than one active card per account.

  • You cannot add a secondary user to your card.

  • Make sure your mailing address is up-to-date.

To request a new card at no cost:

  1. Sign in to your Coinbase.com account or access the Coinbase mobile app.

  2. Select Card from the navigation bar.

  3. Select Coinbase Card support.

  4. Select My card was lost or stolen or My card was damaged / doesn’t work.

    • Your card will be deactivated and a new one will be sent to you.

Update your billing address

Your billing address is used when completing online transactions with your card.

To update your billing address:

  1. Sign in to your Coinbase.com account or access the Coinbase mobile app.

  2. Select Card from the navigation bar.

  3. Select Coinbase Card support.

  4. Select My billing address has changed.

  5. Enter your new address and select Submit.

Change your name

  • The name on your Coinbase Card corresponds with the legal name on your Coinbase account.

  • There's a 20-character limit.

  • For security reasons, Coinbase cannot change your legal name on your behalf.

To update the name on your card:

  1. Re-verify your identity.

  2. Report your card as lost or stolen and request a new card.

Change your PIN

To create/change a PIN:

  1. Sign in to your Coinbase.com account or access the Coinbase mobile app.

  2. Select Card from the navigation bar.

  3. Select Set PIN.

  4. Enter a 4-digit number and select Set PIN.

These steps can be followed to change your PIN in the future, too.

Change your funding balance

To change the funding balance:

  1. Sign in to your Coinbase.com account or access the Coinbase mobile app.

  2. Select Card from the navigation bar.

  3. Select Change asset.

  4. Select the asset you’d like to spend and choose Submit.

Tip:

Set up recurring buys to avoid insufficient funds in your funding balance.

You can earn rewards in the form of cryptocurrency tokens with purchases made using your Coinbase Card. The rewards earned do not expire. However, rewards offered will expire.

When reward offers expire, you’re no longer able to earn that reward. You can choose new rewards every month. Each reward is listed in your Coinbase.com account along with expiration dates.

To choose your reward: 

  1. Sign in to your Coinbase.com account or access the Coinbase mobile app.

  2. Select Card from the navigation bar.

  3. Select your reward.

    • Browser: Select your active reward then choose Choose new reward.

    • Mobile app: Select Card rewards and choose an available reward.

  4. Select Start earning… to confirm your reward selection.

If your reward offer expires and you don’t choose a new reward, we’ll pick one for you. You can change rewards anytime from your Coinbase account.

You can find common troubleshooting situations and solutions outlined below. If you need further assistance, please contact our Support team at +1 844-208-5005.

Identity wasn't verified during your initial Coinbase Card application

Solution:

  1. Sign in to your Coinbase account or access the Coinbase mobile app.

  2. Access the Document Verification prompt.

  3. Select your preferred identity document type and upload method.

  4. Follow the on-screen instructions then select Upload.

  5. You’ll receive an email confirmation when the verification has completed.

Important:

Check your email for messages from card@Coinbase.com; our Support team might need specific documents for verification.

Spending balance is lower than your asset balance

Solution:Deposits using a linked bank account are available for buying and selling, but for security reasons, you will be unable to immediately withdraw these funds, spend them using Coinbase Card, or send from Coinbase.You can see when deposited funds will be available for withdrawal or spending prior to authorizing a purchase or deposit, as well as on the confirmation email for the transaction. Check the transaction confirmation email or your account to know when deposited funds will be available.

Important:

A hold on your account will prevent funds from being sent off Coinbase.

Pending amount is larger than your transaction

Solution:Certain merchants, like gas stations and car rentals, might initially authorize a higher amount. Excess funds are returned to your spending balance at the market price by re-buying crypto on your behalf.

Transaction was declined

Solution:Check for insufficient funds, exceeding the daily limit, prohibited merchant categories, or high risk transaction status.Contact our Support team at +1 844-208-5005 if you believe a transaction was wrongly declined.

Dispute charges

Solution:Start by contacting the merchant for a resolution. It can take up to 10 days for merchant-initiated refunds to settle. You can find the status of your transaction by accessing the asset balance and selecting the transaction line item. If you need further assistance, reach out to our Support team at +1 844-208-5005 to dispute the transaction.

Note:

Disputing a transaction may result in the loss of earned rewards.

Taking action to keep your Coinbase Card secure is important and may be necessary. Here are some scenarios to consider and what you can do.

Scenario

Action to resolve

You haven’t received your card after 10 business days.

Cancel your card and request a new one:

1. Sign in to your Coinbase.com account or access the Coinbase mobile app.

2. Select Card from the navigation bar.

3. Select Coinbase Card support.

4. Select My card was lost or stolen or My card was damaged / doesn’t work.

• Your card will be deactivated and a new one will be sent to you.

Your card was lost or stolen.

Cancel your card and request a new one:

1. Sign in to your Coinbase.com account or access the Coinbase mobile app.

2. Select Card from the navigation bar.

3. Select Coinbase Card support.

4. Select My card was lost or stolen or My card was damaged / doesn’t work.

• Your card will be deactivated and a new one will be sent to you.

You can’t find your card or you have a security concern (e.g. unauthorized charge).

Temporarily lock your card:

1. Sign in to your Coinbase.com account or access the Coinbase mobile app.

2. Select Card from the navigation bar.

3. Select Lock card.

No new transactions can be made. We’ll notify you if someone tries to use your card when it’s locked. Unlock your card when you’re ready to use it again.

You can spend local currency, USD Coin (USDC), or any supported crypto on Coinbase using your Coinbase Card without incurring any transaction fees. However, there are other fees and taxes to be aware of. 

Coinbase does include a spread in the price to buy or sell cryptocurrencies. This allows us to temporarily lock in a price for trade execution while you review the transaction details prior to submitting your transaction.

ATM Withdrawals

You can withdraw cash from ATMs using your Coinbase Card with no fees from Coinbase; however, the ATM may charge a fee.

Please consult your tax advisor to evaluate how your use of the card affects your specific tax situation.