Bitcoin Cards for the UK

Cards whose documented availability includes the United Kingdom.

cards on this page: 7 · issuing today (excl. watch list): 7 · verified or reported facts: 71% · direct on-chain BTC top-up: 2

quick picks

GBP settlement with published terms Krak Card (Kraken) - converts at authorization on the Mastercard rate without markup, 2% BTC back, free virtual and plastic, issued by an FCA-authorised e-money firm
the UK-native fintech shape Revolut - EEA/UK/US availability with 1% FX, sale at authorization documented, the deepest UK consumer fintech integration in the population

Short answer: 7 ranked cards document UK availability, and the market splits cleanly: GBP settlement at authorization on the documented leaders, FCA-supervised issuance behind them, and the protection layers - Section 75 for credit only, chargeback for the rest, safeguarding for the balance.

#	Card	Bitcoin in	BTC sold	KYC	Monthly	Cashback	Score
1	Cash App Card BTC via in-app conversionLightningPhysical card	BTC via in-app conversion	You sell manually in the app	Full KYC	none	none	7	Inspect
2	Krak Card (Kraken) BTC via in-app conversionPhysical card0% FX	BTC via in-app conversion	BTC sold per transaction	Full KYC	none	2% BTC	7	Inspect
3	Revolut BTC via in-app conversionPhysical card0% FX	BTC via in-app conversion	BTC sold per transaction	Full KYC	none	none	6.8	Inspect
4	Nexo Card BTC-backed creditPhysical card	BTC via in-app conversion	Not documented	Full KYC	none	2%	6.7	Inspect
5	ether.fi Cash Direct BTC top-up (on-chain)Physical cardSelf-custody	Direct BTC top-up (on-chain)	Not documented	Full KYC	none	3%	6.4	Inspect
6	Wirex BTC via in-app conversionPhysical card0% FX	BTC via in-app conversion	Not documented	Full KYC	none	8%	5.4	Inspect
7	Ledger CL Card Direct BTC top-up (on-chain)Physical card0% FX	Direct BTC top-up (on-chain)	BTC sold per transaction	Full KYC	?	1% BTC	n/a	Inspect

The UK lane is the smallest population on this site and the most legalistic market in it: FCA-supervised e-money issuance, GBP settlement on the documented leaders, and three separate protection layers that each cover something different. The thinness of the population is not a gap in our data - it is what FCA supervision plus documented GBP terms actually leaves standing.

7 cards match the UK filter. All of them run full KYC; 3 document per-transaction conversion; 3 pay cashback. The table below is the honest inventory.

Card	Regions	Load fee	FX	Monthly	Cashback	KYC	Custody	Status
Cash App Card	US, UK	0%	3%	$0/mo	-	Full KYC	custodial	active
Krak Card (Kraken)	UK, EEA, US	0%	-	$0/mo	2% cash (GBP/EUR) or BTC	Full KYC	custodial	active
Revolut	EEA, UK, US, APAC +2	0%	0%	$0/mo	-	Full KYC	custodial	active
Nexo Card	EEA, UK, LATAM	0%	0.2%	$0/mo	2% NEXO	Full KYC	custodial	active
ether.fi Cash	US, UK, EEA, APAC +1	0%	1%	$0/mo	3% ETHFI	Full KYC	self-custody	active
Wirex	GLOBAL, EEA, UK, APAC +1	0%	0%	$0/mo	8% USD	Full KYC	custodial	active
Ledger CL Card	UK, EEA, US	-	-	-	1% BTC	Full KYC	hybrid	active

Live values from our database - details and caveats in each review. "-" = not published by the operator.

The three protection layers

Section 75 attaches joint liability to credit purchases over GBP 100 [3] - and reaches none of these cards, because the population is debit and prepaid. The chargeback scheme is the working tool for debit and prepaid disputes: powerful, contractual, and discretionary rather than statutory. Safeguarding [1] is the balance-side rule - client funds segregated with reconciliations - and the Ziglu administration [2] is the standing proof that safeguarding shapes a failure without preventing it. Balance discipline is the layer you control.

The UK protection stack: Section 75 (credit only), chargeback (discretionary), safeguarding (process, not guarantee) - and why balance size is the layer you control.

GBP settlement, priced

The lane's best FX story is documented: Krak converts at authorization on the Mastercard rate without markup [5], and Revolut's at-authorization sale timing is documented on its card pages. ~0.2% is the median FX fee here - the highest median on the site, because the UK programs bill foreign spend honestly rather than hiding it in spreads. The hidden-conversion-spreads guide turns one ECB-style check into the method for auditing whichever program you run.

Krak card page, live capture, accessed 2026-10-05 - GBP settlement at authorization on the Mastercard rate: the UK lane's documentation benchmark, issued by an FCA-authorised e-money firm.

Funding the balance from the UK

Two rails dominate. The exchange-app loop (Krak, Bitget) funds by converting crypto in-app, with GBP settlement at authorization on the documented leaders [5] - the top-up fee is ~0% across this page, and the real cost sits in the conversion, not the deposit. The fintech shape (Revolut) funds from its own multi-currency account, which is a different architecture with the same discipline: the balance on the card is a claim, and the claim lives where the program holds it.

For cash access, ~1% is the median ATM percentage here, and the ATM-operator layer adds itself on top at machines worldwide - the cards abroad guide prices both layers and the DCC trap between them. Load small, spend fast, and the UK lane is exactly as clean as its documentation.

Field notes

Settlement currency first, region second. A UK-available card may still bill in another currency - the fee columns are the check. The fee calculator nets it at your profile.
Do not confuse safeguarding with insurance [1]. Segregated accounts shape a wind-down; they do not prevent one. The Ziglu case [2] is the reason the small-balance rule exists on this page.
Section 75 is a credit tool [3]. If a big-ticket purchase matters, the credit products in the US lane carry it - no UK-lane card here does.
Audit FX against a public benchmark. One transaction, one reference-rate comparison. The gap you measure is the program's FX layer; the spread guide is the method.

Warnings and hard limits

The population is thin and documented as such. 7 programs clear the UK bar today; programs have left this market before, and region columns document the present, not the future. The graveyard is the standing record.
Chargeback is discretion, not law. Unlike Section 75 [3], chargeback decisions are the program's - document purchases and escalate early.
Every conversion is a disposal [4]. GBP settlement at authorization [5] is clean to use and bookkeeping-heavy to hold; export monthly, not in January.
Safeguarding does not make the balance safe [1][2]. The custody guide is the reference for what a failure actually looks like.

The EUR hub and USD hub are the neighboring region lanes, and the methodology explains the scoring behind the ranking above.

Sources

FCA Handbook CASS 15 - e-money firms must safeguard client funds in segregated accounts - accessed 2026-10-05
FCA news - Ziglu Limited entered special administration (2025) - accessed 2026-10-05
Consumer Credit Act 1974, Section 75 - creditor liability on credit purchases - accessed 2026-10-05
HMRC cryptoassets manual (CRYPTO22100) - what counts as a disposal - accessed 2026-10-05
Krak card page - GBP settlement at authorization, Mastercard rate without markup - accessed 2026-10-05
Krak card FAQs - program availability and mechanics - accessed 2026-10-05
Bitget Card FAQ - $0 fees, 2% cashback, UK availability - accessed 2026-10-05
Goblin Cards FAQ - approximately 7 days tracked shipping worldwide - accessed 2026-10-05

FAQ

Which cards serve the UK?

7 documented cards make this page's population: Revolut's UK program, Krak's GBP-settled Mastercard [5][6], Bitget's global card with UK availability [7], and Cash App per its documented regions. The UK market is thin on exchange cards - FCA e-money supervision raises the bar that several global programs do not clear.

Who regulates these cards?

E-money issuers under FCA supervision - Krak's card, for example, is issued by Monavate, FCA-authorised to issue e-money in the UK the issuer disclosure sits on the card page. The FCA framework requires safeguarding of client funds [1], which is a process protection for balances - not a deposit guarantee, and not a rescue plan.

Does Section 75 protect me on these cards?

Only on credit purchases. Section 75 creates joint lender liability on credit transactions over GBP 100 [3] - and every card in this population is a debit or prepaid product, so it does not apply to them. The practical protection for debit and prepaid is the chargeback scheme, which is contractual and discretionary, not statutory.

What is safeguarding, in practice?

The FCA's rule that e-money firms hold client funds in segregated accounts with reconciliations [1]. It shapes what happens in a wind-down - funds ring-fenced from the operator's own creditors - but it does not prevent failure: Ziglu entered special administration in 2025 under FCA supervision [2]. The custody guide covers that failure mode.

Is spending bitcoin a taxable event in the UK?

Yes - HMRC treats exchanging cryptoassets as a disposal, and card spending that converts is a disposal sequence like any other [4]. Keep the per-transaction records; the tax records guide is the workflow and the tax estimator counts the events.

What does the UK lane cost?

6 of the cards charge no monthly fee and ~0% is the median top-up fee; the costs live in FX and ATM. 2 of the cards here publish 0% FX - the UK lane is the most FX-exposed on the site, so audit one charge against a reference rate before committing. The fee calculator nets the stack.

Which card converts at the best documented rate?

Krak documents GBP conversion at authorization on the Mastercard exchange rate without markup [5] - the strongest published FX handling in this population. Revolut documents at-authorization sale timing too. 3 of the cards document per-transaction conversion; the rest are silent, which is a scoring strike here, not a neutral fact.

Do I get a physical card in the UK?

On the leaders, yes - 7 of the population offers plastic, and Krak ships it free with the virtual card [5]. Programs that ship worldwide (Goblin, ~7 days tracked [8]) are the alternative if a UK-issued card is not essential to you.

How fast are disputes resolved?

Through the program, under network rules - and the UK layer adds the Financial Ombudsman route for complaints against FCA-supervised firms. Chargeback is discretionary; document the purchase, act fast, and keep balances small so a stalled dispute does not strand meaningful money - the refunds guide has the mechanics.

Is the small population a dealbreaker?

It is the honest state of the market: FCA-supervised e-money issuance plus documented GBP settlement is a high bar, and 7 documented programs clear it today. The USD hub and EUR hub are the bigger regional lanes - and the finder filters the whole market if your region is flexible.