Banqa vs Crypto.com Card
Banqa is a self-custody Visa card backed by USDC — you keep your keys, pay 0% deposit fees, and spend anywhere Visa is accepted. Here is how it compares to Crypto.com Card. The Crypto.com Visa Card is a prepaid card funded from your Crypto.com app balance. Funds are custodied by Crypto.com, and its higher tiers and rewards historically require staking CRO, the platform's own token.
Summary
Crypto.com Card is convenient if you already use the Crypto.com app, but it is custodial and its best tiers depend on staking CRO. Banqa instead keeps your funds in self-custody, backed by USDC, with no token stake required.
| Banqa | Crypto.com Card | |
|---|---|---|
| Custody model | Self-custody (non-custodial) | Custodial (held by Crypto.com) |
| You control the keys | ✓ | ✕ |
| Backing asset | USDC (US-dollar stablecoin) | Fiat / crypto in your Crypto.com account |
| Deposit fees | 0% (only network gas) | Varies by tier |
| Networks | Base, Arbitrum | In-app top-up |
| Token stake required | No | CRO stake for higher tiers |
| Connect your own wallet | ✓ | ✕ |
| Business / team cards (KYB) | ✓ | Limited |
| Apple Pay & Google Pay | ✓ | ✓ |
| Accepted wherever Visa is accepted | ✓ | ✓ |
Frequently asked questions
Is Banqa a good Crypto.com Card alternative?
If keeping custody of your funds matters to you, yes. Banqa is a self-custody Visa card backed by USDC, so your money stays in a wallet you control while you spend anywhere Visa is accepted — with 0% deposit fees.
What is the main difference between Banqa and Crypto.com Card?
The custody model and backing asset. Banqa is non-custodial and backed by USDC on Base and Arbitrum; Crypto.com Card is custodial (held by crypto.com), backed by fiat / crypto in your crypto.com account.
Does Banqa require staking a token?
No. Banqa does not require staking any token to unlock the card or its features. You fund it directly with USDC.
Where can I use the Banqa card?
Anywhere Visa is accepted — 150M+ merchant locations worldwide, online and in-store, plus ATMs, with Apple Pay and Google Pay.
Get your Banqa card
Sign up in minutes, verify your identity, and start spending your USDC anywhere Visa is accepted.