First of all, it’s important to clarify that the Binance Card functions more as a crypto debit / prepaid card rather than a traditional credit card with a credit line. It allows users to spend cryptocurrencies stored in their Binance account, which are automatically converted into fiat at the time of payment.

Availability and Restrictions
The Binance Card is currently available only in selected European countries.
Examples include: Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, the Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, and Sweden.
The card is not available in several regions where crypto regulations are strict or uncertain. For instance, Binance has suspended its card program in certain Middle Eastern and Latin American countries.
To apply for the card, users must have a verified Binance account and complete KYC / AML verification procedures.
Fees and costs
Here are the main costs and limits found across official sources and user reports:
Type of Fee / Element | Amount / Condition | Notes |
---|---|---|
Transaction / Spending Fee | ~ 0.90% on purchases and ATM withdrawals | Applies to most European regions; may be higher outside the EU. |
Annual / Maintenance Fee | €0 — no yearly fee | No recurring or hidden maintenance charges. |
Issuance Fee (First Card) | Free — both for virtual and physical versions | No cost for initial issuance. |
Replacement / Reissuance Fee | Around €25 for physical card | Virtual version may vary by region. |
ATM Withdrawal Fee | Up to 0.90%, plus possible ATM operator fees | May depend on ATM network and local rules. |
Currency Conversion (Non-EUR Transactions) | Usually no extra fee in Europe, but may increase for non-EUR regions | Conversion spread may apply for cross-border transactions. |
Spending and Withdrawal Limits
- Virtual Card: approx. €870 per day
- Physical Card: approx. €8,000–€8,700 per day
- ATM Withdrawal Limit: approx. €290 per day
- Contactless payments: regional limits may apply per transaction.
Rewards and Cashback
Users can earn BNB cashback on every purchase. The cashback rate depends on the user’s BNB holdings and Binance Card tier, reaching up to 8% cashback in BNB for top-tier users.
There is also a monthly cap on the maximum cashback amount, depending on the user’s tier level and BNB balance.
Additional notes
Funds used for payments must be stored in a dedicated Card Funding Wallet within the Binance account — users need to transfer crypto from their Spot Wallet or another internal wallet before spending.
3D Secure (3DS) authentication is required for online transactions in the EU and similar jurisdictions.
Transactions outside of Europe may involve additional costs or higher conversion fees.
Pros & Cons
Conclusion — Binance Card Review
The Binance Card is a practical and cost-effective option for users in supported countries who want to use their crypto holdings for everyday purchases.
It could be an excellent solution, because it uses funds directly from the Binance wallet, but with the huge disadvantage that it is available in only a small number of countries
Read Binance Review — Complete User Experience and Features Overview