1inch Card: shut to newcomers, and what cardholders should do next

Updated October 2026

Licensed

Available in US

Fast payouts

18+ Only

The 1inch Card is no longer accepting new applicants. The programme is being discontinued, and the notice asks existing users to move out their balances. That single fact changes what this page is for. It is no longer a question of whether to apply — there is nothing to apply to — but of what happens to money already loaded, what can still go wrong, and where people who want a crypto-linked payment card should look instead. My score for this card is 4.4 out of 10, and most of that number is not a complaint about how the card worked; it is the fact that the programme behind it is ending.

The conditions described here are current as of October 28, 2026.

Who this page is written for: anyone who already holds a 1inch Card, and anyone who was considering one and has just discovered the sign-up page is closed. If that second group is you, the alternatives section is the part to read.

Verdict: 4.4 out of 10

The score reflects the card’s real merits and one decisive strike against it in its current state.

Several things stand out in that table. The two strongest lines — everyday use at 9 and cost at 7 — are almost entirely unofficial and unconfirmed by the card’s own pages. The two weakest lines are the ones that cannot be argued with: nobody can get the card now, and the programme is winding down.

Who this card suits: existing holders who need to understand their exit, and people who need a card that simply links to a crypto balance for everyday spending, because the design of that card was sound. Who it does not suit: anyone whose first step is signing up, anyone whose financial planning runs on a multi-year horizon, and anyone who has been put off by a closed page and is looking for stability rather than novelty.

I want to be careful about one thing before going further. A closed programme is not a scam. The pattern here — notice, then a date by which balances should be moved, then a redemption window that outlives the closure — is the ordinary shape of a wind-down, and it is described in the issuer’s own terms. What it does mean is that the value of holding this card now sits entirely in how cleanly you leave it.

What happened to the 1inch Card programme

The short version: the card launched, it ran, and it is being shut down. New sign-ups are closed. The notice advises users to withdraw or spend their balance as soon as reasonably possible, with 18 December 2026 given as the furthest foreseeable date.

The dates are worth laying out plainly, because this is the part a reader is most likely to be confused about:

• 8 April 2024 — the 1inch Card launched, with Mastercard and Crypto Life as the card provider. The launch blog post was updated on 8 May 2026.
• New sign-ups — now closed, on the discontinuation notice. The notice itself carries no date.
• 18 December 2026 — the furthest foreseeable date by which balances should be withdrawn or spent. Timelines here are set by the issuer and provider, not guaranteed.
• Up to six years after account closure — remaining e-wallet funds can be redeemed under section 16 of the issuer’s card terms.

The launch details that still matter for understanding the card: physical and virtual cards were issued by Crypto Life, “powered exclusively by the Mastercard network,” according to the launch blog. Balances sit in an e-wallet issued by Monavate — Monavate Ltd in the UK, UAB Monavate in the EU — which is an authorised e-money institution. The card provider is Crypto Life: Frozen Time UNIPESSOAL LDA in the EU, Baanx Group Ltd in the UK.

One structural point deserves emphasis, because it is easy to misread. Your balance is not held by 1inch. It sits in an e-wallet issued by Monavate. That means the money sits with a licensed e-money institution, not with the crypto brand whose name is on the front of the card. It also means the redemption right after closure is an issuer term, not a favour from 1inch.

On who could get it, the notice says nothing — no country list is published. Unofficial sources put the card in the EEA and the UK and not offered in the US. KYC was required, handled by Crypto Life, and a basic tier with lower limits existed; again, none of this is stated on the card’s own pages. Whether you needed a specific ID, and what the requirements were, is not stated. The cost, the fees, the rewards, the tiers and the supported currencies are all not stated either — the programme closed before the pages settled, and I would rather say that plainly than reconstruct it.

One last unofficial detail, since it may explain what people remember: reports describe a cashback of 2% in BXX or 1% in BTC/USDT, chosen at purchase. The same source is internally inconsistent about “1INCH tokens” versus BXX, which is a good reason to treat the whole rewards picture as unverified.

If you already have the 1inch Card

If you are holding this card, the programme notice is asking one thing of you: do not wait too long. Log in to the card account and withdraw or spend what you can, as soon as reasonably possible. 18 December 2026 is the furthest foreseeable date, not a comfortable one.

The card is managed in the Crypto Life card account, over the web or via the in-account chat. That is also where balance, status, KYC, closure and personal-data requests go — by email or by chat. If Crypto Life does not respond, the fallback is 1inch support: send them your request, the date and the channel you used, and they will log the case and escalate. What they cannot do is action account-level requests themselves. So the escalation is real, but it is a second line of defence, not the first. Go to the card account first.

A few specifics that are simply not stated and that you may find yourself hunting for: withdrawal fees, ATM fees, spending limits, and top-up options are all not stated on the card’s pages. The launch blog said the card needs only “crypto in your 1inch Wallet,” converted to fiat at payment — that was the design. But which coins and networks are supported, and what the limits are, is not stated anywhere official. Unofficial sources list 1INCH, ETH, USDT, USDC, BTC, LTC, XRP and BXX as spendable assets, with a $500 daily ATM limit, an ATM fee of 2%, and a daily spending limit of $8,000 (a directory listing gives EUR 8K daily and EUR 5K monthly). Treat all of that as unofficial and unconfirmed by the card.

What is official and what you should hold onto is this: remaining e-wallet funds can be redeemed up to six years after account closure, under section 16 of the issuer’s card terms. That is the floor under your money. It is not the same as a bank deposit, and it is not something you should rely on as though the money were sitting somewhere it cannot be.

And if you want to read the wind-down pattern itself, it is a familiar one. Programme closures typically give a notice period, then stop spending and loading, then ask users to withdraw remaining balances.

What can go wrong

The headline risk is no longer hypothetical. This is the only crypto card situation I would call a two.

The programme is ending and the card is going with it. Spending power you have today is power you may not have later. Anything you would want to keep using the card for, do it before 18 December 2026.

Deposits that do not arrive. This is the most common card-specific complaint, and it is the one I would watch hardest. Users report a USDC deposit to the “1inch crypto card” confirmed on-chain but not credited (1 October 2026), another USDC deposit uncredited for over 20 hours with answers saying “under review” (1 September 2026), and a card transfer that never arrived (30 September 2026). This is exactly the category of problem that gets worse during a wind-down, when support volume rises and backlogs form. If you must move value in, keep the transaction hash and expect to chase it.

Slow or generic support. Users report slow, generic support responses (June 2025, October 2025, June 2026), and a withdrawal that stayed pending for 30+ days (February 2026, on the wallet side). If the provider does not respond, 1inch logs and escalates but cannot action account-level requests.

A hold on a declined payment. A declined authorisation can leave a hold on funds that stays for several days, typically up to seven. On a card you are trying to empty, a declined payment is more than an inconvenience — it can tie up part of the balance you meant to withdraw.

Merchant declines. A prepaid or foreign BIN can be declined at the till, because the merchant’s lookup reveals the card type and issuer country. This is not card-specific to 1inch; it is a property of prepaid and cross-border cards in general.

Weak transparency on fees and limits. Cost scored 7 and top-up options 6, but the fee and coin figures behind those marks are unofficial and internally inconsistent on rewards. Where you are working from third-party descriptions, you are working from a description, not from a contract.

Who holds your money, and who answers for it. Funds sit in an e-wallet at an authorised e-money institution (Monavate), not at 1inch. Closure and account requests are handled by Crypto Life. The launch blog’s wording on custody is ambiguous — “users keep control … while still retaining custody” is not a clean statement either way — and 2FA, freeze and spending controls are not stated. What is stated is who to write to, and that is better than nothing.

On the broader score: Trustpilot for 1inch overall shows 3.6 out of 5 from 547 reviews, with only 6 in the last twelve months, 79% five-star and 5% one-star, and the company replying to 16% of negative reviews. An earlier figure of 4.2 out of 5 from 543 reviews appears via Traders Union; Trustpilot itself shows 3.6. Overall sentiment is fine; the card-specific complaints are the deposits and the support latency.

None of this makes the card unsafe in the sense of a fraud. It makes it a card in a shrinking programme, where the ordinary annoyances of crypto payments — irreversible transfers, a deposit that can be confirmed on-chain but uncredited in your account — have fewer people to fix them.

What to take instead

You cannot join a closing programme. What you can do is pick one of the three that are still open, each with its own shape. Here is how they compare.

TokenPocket (5.8/10) is the weakest of the three and the one with the murkiest geography. It issues 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 “planned for Q2 2025”. The cards run on Arbitrum and balances sit in EUR24 and USD24, and Fiat24 cards are virtual — no physical card is mentioned. On cost, apart from the partly-covered NFT creation fee, it says it charges no additional fees; there is a 1% fee on depositing cryptocurrency, later refunded through rewards or reduced transaction fees. No cashback is stated. The specific coins and networks you can deposit are not listed in the FAQ. If you are outside the listed countries, this is not your card.

MetaMask (7.1/10) is the strongest of the three, and the closest replacement for someone who liked the 1inch idea. It issues a Mastercard virtual card instantly, with a Metal card pre-orderable in the app after the virtual one is approved, one card per user; the issuer is Monavate and the card provider Crypto Life — the same two names as the 1inch card. Sign-ups are open in 45 listed countries and territories — Andorra, Argentina, Brazil, Canada, Mexico, Germany, France, Spain, Uruguay among the examples — with other regions on a waitlist; proof of residency is required, and ineligible regions limit sign-ups rather than spending. The citizenship rule is not stated, and 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/year. Fees are described as a “minimal fee for each transaction” and “no additional MetaMask fees”, with no foreign transaction fee and the Mastercard rate used — but the amount is not stated on the pages. It spends directly from your connected wallet on Linea, Base, Monad and Solana, with tokens named including mUSD, wETH, EURe, GBPe, USDC and USDT. Solana-only wallets cannot withdraw credit. Cashback is paid in mUSD into the Money Account: 1% on Virtual, a headline 3% on Metal that the footnote limits to the first $10,000 spent and 1% after that, plus a $FLY bonus via Blackbird.

KAST (6.1/10) is the most elaborate on paper, and the most expensive if you want the extras. It offers virtual and physical cards, up to ten per user, in Visa Platinum (Standard), Visa Infinite metal (Premium) and Visa Infinite gold plated (Private), with other designs in Pengu, Solana and Bitcoin. Availability is residence-based, shown at KYC, and the country list is not published; it references a Restricted Locations list but names no countries, and citizenship matters independently — living in a supported country with an ID from a restricted region may still make you ineligible, dual citizens with an ID from a supported country may pass, only your own ID is accepted, and a VPN does not bypass it. You can create an account in an unsupported country but KYC stays locked. Membership is Standard 0 USD, Premium 1,000 USD/year, Private 10,000 USD/year, billed annually upfront with no monthly option; extra virtual cards are 2 USD, a Standard physical card is 0 USD card fee plus 40 USD delivery, and there is a 1 USD/month inactivity fee after twelve months. On fees, stablecoin top-up is 0%, card spend in USD is 0%, the transaction fee is 0%, Apple and Google Pay are 0%; the non-USD FX fee is 0.5%–1.75% depending on residence country, transaction country and card programme; non-USD transactions under 25 USD cost 0.10 USD, and a declined transaction for insufficient balance costs 0.50 USD. Cashback is USD: 1.5% on the first 2,000 USD/month for Standard, 2% on the first 10,000 for Premium, 3% on the first 40,000 for Private, plus KAST Points of +1% and +2% of eligible spend for Premium and Private. If you are comparing purely on cashback, KAST leads; if you are comparing on getting a card for nothing, Standard KAST or the virtual MetaMask card is the cheaper way in.

Whichever you pick, check your own country’s list before anything else. Country and citizenship rules are told as each card states them, and they are the first thing that will rule you out.

Who I would recommend it to

To the person who already has the card and has money on it: this page is for you. Log into the card account, withdraw or spend as much as you reasonably can, and do not treat 18 December 2026 as a deadline you can schedule against. Use Crypto Life support first; escalate to 1inch only if they go quiet. If a deposit of yours is uncredited, you are in the most common complaint category here — hold the transaction hash and expect to follow up.

To the person who wanted a card and found the page closed: you are not late, you are just looking at a programme that has stopped rather than one that is competitive. Read the alternatives above and pick on your own geography first, then on fees, then on whether you want a virtual card or a physical one. If you want the closest thing to what 1inch offered — a crypto wallet-linked card with Apple Pay and Google Pay, and no annual fee — the free virtual MetaMask card is the nearest match, subject to its country list and to the US/UK sign-up closure.

To the person choosing on cashback: KAST’s tiers are the richest on paper, but they are tiered, capped, and the top tiers cost $1,000 and $10,000 a year. The realistic free-tier comparison is MetaMask Virtual at 1% in mUSD versus KAST Standard at 1.5% on the first 2,000 USD/month. That is a narrow difference, and the geography, the capital lock-up and the physical-card delivery fee can matter more than the percentage.

To the person who is drawn to crypto cards because a bank would not give them an ordinary one: I understand the pull, and I would still read this page’s risk section twice. A card that works is a real convenience. But the underlying position is that your funds sit with a licensed e-money institution as a stored balance, not as a bank deposit, and no card fixes that. Card issuers can and do close programmes — Visa terminated its FTX agreements in November 2022 and WaveCrest was suspended in Europe in 2018, closing all WaveCrest-issued Visa programmes. A card is a convenience layered on a custodial balance, and it should be treated like one.

Frequently asked questions

What was the 1inch Card?

The 1inch Card was a crypto-linked payment card launched on 8 April 2024 with Mastercard and Crypto Life as the card provider. It came in physical and virtual form and was described in the launch blog as “powered exclusively by the Mastercard network”. Balances sat in an e-wallet issued by Monavate, not at 1inch itself. The programme launched on 8 April 2024, its blog post was updated on 8 May 2026, and it is now being discontinued with sign-ups closed.

Is the 1inch Card being closed?

Yes. The programme is being discontinued and new sign-ups are closed. The notice advises users to withdraw or spend their balance as soon as reasonably possible, giving 18 December 2026 as the furthest foreseeable date — a timeline set by the issuer and provider, not guaranteed. This is a wind-down, not a fraud.

I already have a 1inch Card — what should I do?

Log in to the card account and withdraw or spend what you can, as soon as reasonably possible; 18 December 2026 is the furthest foreseeable date, not a comfortable one. Under section 16 of the issuer’s card terms, remaining e-wallet funds can be redeemed up to six years after account closure. For balance, status, KYC, closure or personal-data requests, contact Crypto Life support by email or in-account chat first.

My 1inch support request was ignored — who do I contact?

If Crypto Life does not respond, contact 1inch support with your request, the date and the channel you used. 1inch logs the case and escalates it, but cannot action account-level requests itself — so the card account and Crypto Life support are your first line, not 1inch. Support languages and hours are not stated. If a deposit is uncredited, hold the transaction hash.

Is the 1inch Card safe?

Your funds sit in an e-wallet issued by Monavate — an authorised e-money institution — rather than with 1inch, and closure and account requests are handled by Crypto Life. The trade-off is that card issuers can end programmes, as happened with FTX in 2022 and WaveCrest in 2018. 2FA, freeze and spending controls are not stated, and the launch blog’s custody wording is ambiguous. Treat the balance as custodial.

Which countries could use the 1inch Card?

The notice does not state a country list — the public pages simply say sign-ups are closed. Unofficial sources place the card in the EEA and the UK, and not offered in the US, and note that KYC was required with a basic tier of lower limits available. None of this is confirmed on the card’s own pages. The only country fact that is official here is that new applications are no longer accepted anywhere.

Does the 1inch Card require KYC?

Yes — KYC was handled by the card provider, Crypto Life, though the notice does not state the specific requirements. Unofficial sources confirm that KYC was required and that a basic tier with lower limits existed. In the EU, such checks cover name, address, date of birth, nationality, identity documents, a sanctions check and PEP status, so expect document uploads and a wait.

What were the fees on the 1inch Card?

None are officially stated. Unofficial sources report a $0 annual fee, a 0% FX fee, a 1.75% crypto conversion fee on every transaction, and a 2% ATM fee with a $500 daily ATM limit. Another aggregator reports a 2% card spend fee alongside the 1.75% conversion fee. Since the programme is closed and the pages do not state fees, verify any figure with support before relying on it.

What can I use instead of the 1inch Card?

Three alternatives in this comparison are still open: TokenPocket (5.8/10), a Visa or Mastercard debit card on Arbitrum; MetaMask (7.1/10), a free Mastercard virtual card spending directly from your connected wallet; and KAST (6.1/10), a Visa card with virtual and physical options and USD cashback from 1.5% on Standard. Country availability is the first filter for all three — MetaMask lists 45 countries/territories, KAST shows a residence-based list at KYC, and TokenPocket splits Visa and Mastercard by region.

Is 1inch a bank?

No — 1inch is a decentralised exchange and aggregator, not a bank. Your card balance sits in an e-wallet issued by Monavate, an authorised e-money institution, which can issue e-money, payment cards and wallets but cannot lend. That structure is why card payments involve a network, an issuer and a crypto brand that is often only the programme manager — and why 1inch support could escalate your case but not action it.

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