1inch Card after the shutdown: who can still use it, who can't, and what to use instead

Updated October 2026

Licensed

Available in US

Fast payouts

18+ Only

The 1inch Card was a prepaid Mastercard that converted crypto from a 1inch Wallet into fiat at the moment of payment. As of the discontinuation notice, the programme is no longer accepting new applications: “The 1inch Card programme is being discontinued”, with a recommended move-out date of 18 December 2026 for existing balances. This review is written for that situation. It is not a guide to ordering a card that cannot be ordered, and it is not a pitch to find a way around that closure. If you already hold a 1inch Card, the practical question is what to do with the money still on it. If you are a newcomer reading about 1inch, the practical question is whether to look elsewhere. I will walk through both.

Conditions are current as of October 28, 2026.

Verdict

The 1inch Card gets a 4.4 out of 10 from me, and a large slice of that mark is taken away by the fact that the programme is being closed. Cost looks reasonable on third-party pages — no annual fee, no foreign-transaction fee, a 1.75% crypto-conversion fee on each transaction, 2% at the ATM with a $500 daily cap — but those numbers are unofficial, the official discontinuation page is silent on them, and the card is not on sale to anyone new. Reliability is the worst-looking score: the issuer is winding the programme down by 18 December 2026, balances sit in a Monavate e-wallet rather than with 1inch itself, and the public review picture includes a few uncredited-USDC reports. Everyday use, in the abstract, was the strongest feature: physical and virtual cards, Apple Pay and Google Pay, a stated $8,000 daily spend cap, and a prepaid model that cannot overdraw.

Who is it for, as of right now? Strictly, only existing cardholders who still need to draw down their balance. Who is it not for? Anyone looking to sign up today, anyone who needs a card they can rely on for more than a wind-down, and anyone for whom an unclear cost sheet is a deal-breaker.

If you are an existing cardholder, the rest of this page is for you. If you are not, the alternatives section is the one to read first.

What happened to the programme

The 1inch Card launched on 8 April 2024 with Mastercard and Crypto Life, according to a launch blog post that was last updated on 8 May 2026. The card was issued in the form of physical and virtual prepaid cards, “powered exclusively by the Mastercard network” per that same post. Since then, the programme has been put into wind-down.

The public discontinuation notice says that new sign-ups are closed and that users are advised to withdraw or spend their balance as soon as reasonably possible by signing in to the card account. The stated furthest foreseeable date to do that is 18 December 2026. That timeline is set by the issuer and the card provider, not by 1inch, and it is not a guarantee — it is a target.

Behind the scenes, the legal setup is more layered than the marketing suggested. The balance on the card is held as e-money in an e-wallet issued by Monavate Ltd (UK) or UAB Monavate (EU), both authorised e-money institutions. The card programme is run by the card provider Crypto Life (CL), which operates as Frozen Time UNIPESSOAL LDA in the EU and as Baanx Group Ltd in the UK. 1inch is, in this picture, the brand and the front-end rather than the custodian of the funds. This is the standard arrangement for crypto cards on a licensed network, and it is worth knowing, because when a programme winds down the user interacts with the card provider, not with the crypto brand they originally signed up with.

There are a few things the discontinuation notice does not say. It does not list the countries the card was available in, the cost of the card, the fees, the supported wallets, the rewards, the tiers, the settlement currency, the delivery terms or the app-store ratings of the card management app. The launch blog confirms that the card needed only “crypto in your 1inch Wallet”, converted to fiat at payment, and that both physical and virtual cards existed — but it does not fill in the cost blanks. So anyone reading only the official pages right now is looking at a programme that has gone quiet on the very details that would let them compare it to anything else. Where unofficial sources have published numbers, I report them below as unofficial and not confirmed by the card itself; treat them as a hint of what the card used to charge, not as a current promise.

On country availability, the official channels are silent. One third-party directory (spendnode.io, August 2026) states the card was offered in the EEA and the UK and not in the US, but that is not an official 1inch statement. There is no published list of restricted or supported countries, and the discontinuation notice does not list who got the email. If you are unsure whether you were eligible in the first place, the cleanest check is your own card account: if you have an active card, you were; if you do not, the door is closed either way.

On KYC, the official line is that it is “handled by card provider CL”, with the requirements not stated publicly. The same third-party directory says KYC was required and that a basic tier with lower limits was available, but again, that is unofficial and not confirmed by the card.

If you already have the card

The single most important thing to do, if you have an active 1inch Card right now, is to take the discontinuation notice at face value and start moving the balance out. The notice recommends withdrawing or spending the balance as soon as reasonably possible. The furthest foreseeable date the issuer is willing to commit to is 18 December 2026. After that, the e-wallet does not vanish, but it is the issuer’s terms — not the notice — that govern what happens to leftover money.

A few practical points that follow from the structure of the product.

Your balance is in a Monavate e-wallet, not in 1inch. That is the legal reality, and it explains two things. First, it is Monavate, as an authorised e-money institution, that safeguards the funds rather than 1inch. Second, 1inch support cannot actually action account-level requests on your card — only the card provider can. The launch blog’s wording on custody, “users keep control … while still retaining custody”, reads ambiguously to me and I would not lean on it; the legal layer is the e-money layer.

If you want to spend the balance down, the card behaves like any other prepaid Mastercard at the point of sale, with the conversion from crypto happening at the moment of payment. The unofficial third-party pages say the card worked with Apple Pay and Google Pay, supported daily spending up to $8,000 (one directory gives EUR 8,000 daily and EUR 5,000 monthly), and allowed ATM withdrawals with a 2% fee and a $500 daily cap. None of those numbers is on the official discontinuation page, so I would confirm them in your own card account before relying on them.

If you want to withdraw the balance, the official route is to sign in to the card account and follow the issuer’s redemption flow. The launch post said the card needed only “crypto in your 1inch Wallet”, converted to fiat at payment, but the official pages do not describe a withdrawal step-by-step, and withdrawal fees are not stated. The redemption rights themselves are set out under issuer card terms section 16, which says remaining e-wallet funds can be redeemed up to six years after account closure. That is a long tail, not an invitation to leave money sitting there; the practical advice is still to act before 18 December 2026 if you can.

On support, the official direction is to contact Crypto Life support by email or via the chat inside the card account, for card balance, status, KYC, closure and personal-data questions. If CL does not respond, the official fallback is to contact 1inch support with the request, the date and the channel, and 1inch will log the case and escalate — but 1inch cannot action account-level requests itself. Languages and hours are not stated. If you have a USDC deposit that is confirmed on-chain but not credited to your card, that is exactly the kind of thing the user reports I saw (more on those below), and the right first step is the CL chat, not the 1inch chat.

A small but useful point: the discontinuation notice does not describe a refund or dispute process. There is no published chargeback flow specific to the 1inch Card. If a merchant dispute arises, the general rules of Mastercard and of prepaid cards apply — and, as a category matter, prepaid-card chargeback rights are not as broad as credit-card rights, so I would not assume the same protection you would get from a credit card.

What can go wrong

Two layers of risk matter here, and they are different in kind.

The first is the programme-closure layer. The card is being discontinued, and the worst-case mistake is leaving a non-trivial balance sitting in the e-wallet past the recommended 18 December 2026 date. The terms say you can still redeem up to six years after closure, but a long tail is a tail, not a safety net. A more subtle risk is the company-and-licence layer: the issuer and the card provider are separate legal entities from 1inch, so if anything goes wrong with the e-wallet itself, your counterparty is Monavate (UK or EU) or Crypto Life (Frozen Time LDA in the EU, Baanx Group Ltd in the UK), not 1inch. This is normal for the category, but in a wind-down it matters more, not less, because fewer people are around to chase the right person.

The second layer is the day-to-day operational layer. The public review picture is mixed. Trustpilot for 1inch overall (read 2026-10-20) shows 3.6 out of 5 from 547 reviews, with only 6 reviews in the last 12 months; 79% are 5-star, 5% are 1-star, and the company responds to 16% of negative reviews. (A separate aggregator had reported a higher 4.2; the Trustpilot page itself shows 3.6.) Within those reviews, the card-specific complaints that surface are: a USDC deposit to the “1inch crypto card” that was confirmed on-chain but not credited, dated 1 October 2026; a card transfer that never arrived, dated 30 September 2026; another USDC deposit uncredited for more than 20 hours with “under review” answers, dated 1 September 2026; a withdrawal pending for more than 30 days, from February 2026 (wallet); and slow, generic support across June 2025, October 2025 and June 2026. None of these is a programme-wide verdict, but the pattern of “deposit confirmed on-chain, not on the card” is the one I would watch.

A third, smaller risk is the ambiguity in the launch blog’s wording about custody. “Users keep control … while still retaining custody” is not a clean legal sentence, and in a wind-down the legal layer (Monavate as the e-money institution) is what governs. If you are a current cardholder, the practical version of this risk is: do not treat the card as a self-custody product. It is not. It is a prepaid card with a fiat balance inside an e-wallet run by a licensed institution, with 1inch as the programme brand.

On security controls — two-factor authentication, instant freeze, spending limits, 3-D Secure — the official pages do not say. The unofficial pages describe a Mastercard that should support standard network-level 3-D Secure (Mastercard Identity Check) and tokenised mobile wallets, but I would verify the specific controls inside the card app, because the discontinuation page does not list them.

What to take instead

The 1inch Card is closed, so any comparison here is between the wind-down experience you have with 1inch and the live experience of a card you can actually sign up for today. Three cards from the broader crypto-card market give a sense of the spread, and I will walk through them with you.

MetaMask Card is a Mastercard that comes in two versions: Virtual (free, no annual or maintenance fee) and Metal ($199 a year). Sign-ups are open in 45 listed countries and territories (Andorra, Argentina, Brazil, Canada, Mexico, Germany, France, Spain, Uruguay among them); other regions sit on a waitlist, and US and UK sign-ups were temporarily closed at the time the FAQ was last read. The card is issued by Monovate, with Crypto Life as the card provider. The Virtual card is issued instantly; the Metal card can be pre-ordered in-app once the Virtual is approved. There is one card per user. The card spends directly from the connected wallet, on Linea, Base, Monad and Solana, and lists nine tokens (mUSD, wETH, EURe, GBPe, USDC and USDT among them). MetaMask quotes a “minimal fee for each transaction”, no MetaMask fees of its own, and no foreign transaction fee (Mastercard’s rate applies). Cashback is paid in mUSD into the Money Account: 1% on Virtual, 3% on Metal headline (with a footnote capping the 3% at the first $10,000 spent and then 1% after), plus a $FLY bonus multiplier of 5X (Virtual) or 7X (Metal) through the Blackbird dining app. MetaMask’s overall score is 7.1 out of 10 in this comparison set.

KAST is a multi-card programme (up to 10 cards per user) on Visa, with three tiers: Standard ($0 annual, 1.5% USD cashback on the first $2,000 of monthly spend), Premium ($1,000 a year, 2% cashback on the first $10,000 a month, plus 1% in KAST Points) and Private ($10,000 a year, 3% on the first $40,000 a month, plus 2% in Points). Available card designs include Visa Platinum, Visa Infinite metal, Visa Infinite gold plated, plus Pengu, Solana and Bitcoin designs. Eligibility is residence-based at KYC, with no published country list and a separate Restricted Locations list that does not name countries; citizenship and ID country also matter, and VPN does not bypass KYC. Funding is in stablecoins (USDT, USDC, PYUSD, RLUSD) on Ethereum, Solana, Polygon, Arbitrum and TRON, with the app showing the current set; there is a slight internal conflict in the terms, which list only USDT and USDC as acceptable, and a 0% spread on stablecoin deposits. Stablecoin top-up, card spend in USD, transaction fees, and Apple/Google Pay are all quoted at 0%; the non-USD FX fee is 0.5% to 1.75% depending on residence, transaction country and tier, with a $0.10 charge on non-USD transactions under $25 and $0.50 for an insufficient-balance decline. KAST’s overall score is 6.1 out of 10.

TokenPocket Card sits on Arbitrum and runs as a Mastercard/Visa debit card. The Visa debit is offered in a list of European countries and territories (Germany, France, Spain, Switzerland among them); the Mastercard debit is offered in Australia, Canada, Hong Kong, Japan, Taiwan, New Zealand, Singapore, South Korea and the UK, with the Americas “planned for Q2 2025”. The FAQ describes Fiat24 cards as virtual, with balances in EUR24 and USD24. The cost structure is unusual: the user pays “a small portion” of an NFT creation fee partly covered by TokenPocket, and the pages state that “apart from these, TP Card does not charge any additional fees”. On top of that, a 1% fee is charged when depositing cryptocurrency into the TP Card, to be refunded later via rewards or reduced transaction fees. The FX fee is not stated, and additional fees can come from inter-institution settlement. No cashback is stated. TokenPocket’s overall score is 5.8 out of 10.

If you are choosing between these three on the criteria that matter most to a 1inch Card refugee, I would think about it this way. MetaMask is the strongest pick if you want a real cashback rate, an EU-style card structure and a long list of supported countries — but you need to check whether your country is on the live list today, and you need to be comfortable paying $199 a year for the Metal tier. KAST is the strongest pick if you want multiple cards under one account and you can stomach the higher annual fees at Premium and Private; Standard is free but the cashback and limits are the lowest of the three. TokenPocket is the strongest pick if you live in one of its listed countries and you specifically want an Arbitrum-based card; the fee shape is unusual and the rewards are weaker than the other two.

Who I would recommend it to

Honestly, the audience for the 1inch Card, as of today, is narrow: existing cardholders who still need to draw down their balance before 18 December 2026, and who can do so through the official card account and the Crypto Life support channels. For that audience, my advice is short — do not leave money on the card past the recommended date, do not assume 1inch support can action account-level changes, and do not lean on the launch blog’s custody wording as if the balance were in your own wallet. It is not.

For everyone else, I would not recommend the 1inch Card in its current state, because it is not available. The third-party cost numbers look competitive, but they are unofficial and the official channel is silent, so the comparison you would actually be making is between a known cost on a live card (MetaMask, KAST, TokenPocket) and an unconfirmed cost on a closed one. The risk picture in a wind-down is also just not the same as the risk picture on a card you can still load tomorrow.

If your situation is “I cannot get an ordinary bank card” — which is the broad audience this kind of review is usually written for — the practical question is not which closed crypto card used to be the best. It is which currently-issued crypto card, with a currently-live KYC flow, a currently-named issuer and a currently-published fee sheet, fits your country and your spend pattern. The three cards in the alternatives section are a fair starting point for that search; the FAQ below is for the questions that come up while you do it.

A short note on how crypto cards work, in case it helps the decision

Because a few of the recurring questions in the FAQ below are not really about 1inch specifically, it is worth pausing on a few category facts.

A payment card number is a 16-digit PAN that starts with a 6- or 8-digit BIN/IIN identifying the card-issuing institution; merchants can look up the BIN to see who issued the card and where, and may apply extra scrutiny if the issuer country does not match the customer’s billing address. A prepaid card draws on a stored balance; a standard debit card asks the holder’s bank to withdraw from a linked account at the time of purchase. Many crypto cards behave like prepaid cards: the crypto is converted and loaded as a fiat balance, and the card cannot overdraw. Visa and Mastercard themselves do not issue crypto cards to consumers; they license issuers and can suspend a programme (Visa said it had “terminated our global agreements with FTX” on 13 November 2022, and the FTX US debit card was wound down by its issuer shortly after).

On the regulatory side, MiCA — the EU’s Regulation (EU) 2023/1114 — took legal effect in June 2023, with the stablecoin rules applying from 30 June 2024 and the broader crypto-asset service provider (CASP) rules from 30 December 2024; under MiCA, e-money tokens may be issued only by a credit institution or an authorised e-money institution. The card itself, separately, is a payment service, so a crypto card often depends on two licences. In the US, FinCEN’s 2013 guidance treats administrators and exchangers of convertible virtual currency as money transmitters, while ordinary users buying goods or services are not.

None of this changes the 1inch Card’s situation, but it is the backdrop against which a wind-down notice, a Monavate e-wallet, a Crypto Life card provider and a 1inch brand all sit.

Frequently asked questions

What is the 1inch Card?

The 1inch Card was a prepaid Mastercard that converted crypto held in a 1inch Wallet into fiat at the moment of payment. It was launched on 8 April 2024 with Mastercard and Crypto Life and issued in both physical and virtual form. The card programme is now being discontinued, so it is no longer accepting new sign-ups.

Is the 1inch Card still available?

No. The discontinuation notice states that the programme is being wound down and new sign-ups are closed. Existing cardholders are advised to withdraw or spend their balance by 18 December 2026, which is the furthest foreseeable date the issuer has set.

Is 1inch a bank?

No. 1inch is the brand and the front-end of the card programme. The balance on the card sits in an e-wallet issued by Monavate Ltd (UK) or UAB Monavate (EU), both authorised e-money institutions, and the card is run by Crypto Life, operating as Frozen Time UNIPESSOAL LDA in the EU and Baanx Group Ltd in the UK.

How does the 1inch Card work?

At payment, the card converted crypto from the 1inch Wallet into fiat and spent the resulting balance through the Mastercard network. In practical terms it was a prepaid Mastercard: you held a stored balance, the card could not overdraw, and the conversion happened at the till rather than via a manual top-up.

Does the 1inch Card require KYC?

Yes. The official line is that KYC is handled by the card provider, Crypto Life; the specific documents and tiers are not stated on the public page. A third-party directory says KYC was required and that a basic tier with lower limits was available, but that is unofficial and not confirmed by the card itself.

How do I withdraw money from my 1inch Card?

Sign in to the card account and follow the issuer’s redemption flow. Under issuer card terms section 16, remaining e-wallet funds can be redeemed up to six years after account closure, but the practical recommendation is to act before 18 December 2026. Withdrawal fees are not stated on the official page.

Is the 1inch Card safe?

Funds sit in a Monavate e-wallet at an authorised e-money institution rather than with 1inch, and the card provider Crypto Life handles closure and account requests. The official page does not describe specific security controls such as 2FA, instant freeze, spending limits or 3-D Secure, and the user-report picture includes a few “USDC deposit confirmed on-chain but not credited” cases. Treat the card as a prepaid product with a licensed e-money custodian, not as a self-custody wallet.

How much does the 1inch Card cost?

The official discontinuation page does not publish costs. Unofficial third-party pages report an annual fee of $0, a foreign-transaction fee of 0%, a crypto-conversion fee of 1.75% on every transaction (one aggregator also mentions a 2% card-spend fee), and an ATM fee of 2% with a $500 daily limit. These numbers are not confirmed by 1inch, so check inside your card account before relying on them.

How do I contact 1inch Card support?

Card balance, status, KYC, closure and personal-data requests go to Crypto Life support by email or the chat inside the card account. If CL does not respond, the official fallback is to contact 1inch support with the request, the date and the channel — 1inch will log the case and escalate but cannot itself action account-level requests. Support languages and hours are not stated.

Which crypto card should I use instead of 1inch?

If you can sign up today, three reasonable starting points are the MetaMask Card (Mastercard, Virtual free and Metal $199 a year, 1% or 3% cashback in mUSD), KAST (multi-card Visa programme with Standard, Premium and Private tiers, 0% stablecoin top-up and card-spend fees) and TokenPocket Card (Arbitrum-based Mastercard/Visa debit with a 1% deposit fee refundable later via rewards). Which one fits depends on your country, your spend pattern and how much annual fee you are willing to carry.

Content created by the «cryptocardtop» team