The 1inch Card Programme Is Closing — What Existing Holders Should Do

Updated October 2026

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Available in US

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The 1inch Card programme is being discontinued. New sign-ups have been closed, and existing cardholders are being asked to withdraw or spend their balances as soon as reasonably possible, with a stated furthest foreseeable deadline of 18 December 2026. If you came here looking for a card to order, that part of the journey is over before it starts. If you already hold a 1inch Card, what matters now is moving the money sitting on it.

Conditions are current as of October 28, 2026.

The 1inch Card programme is being discontinued. An official closure notice has been published, and the launch blog post has been updated. This review explains what that means in practice, what little is officially confirmed about the card’s mechanics, where the unofficial third-party figures come from, and what alternatives from other programmes are still open.

The conditions described below are current as of October 2026.

Verdict: 4.4 out of 10

The card earns a final score of 4.4 out of 10, and the reasoning is straightforward: the programme that produced it is closing. The score is a snapshot of the card as it was reviewed, with the discontinuation heavily weighted. A score of this kind is not a verdict on 1inch the company or the wider 1inch decentralised exchange; it is a verdict on the card product itself, today.

The “who can get it” mark is zero, and that single fact changes the shape of the whole review. The 1inch Card is no longer a card you can sign up for. What is left is a small, time-limited exercise for people who already hold one: pull the balance out, or spend it down, before the deadline.

The “everyday use” mark is the highest, reflecting the convenience the card offered in its working months: a physical and a virtual Mastercard, a mobile-wallet option, a daily ATM allowance, and a launch design that converted the user’s crypto at the moment of payment. None of that, however, makes the card a current option for a new user.

If you are an existing cardholder, the rest of this review is written to help you understand what has happened and what to do about it. If you are a new user looking for a card in this category, you will want to skip ahead to the alternatives section.

What Happened to the 1inch Card Programme

The official notice states that the 1inch Card programme is being discontinued and that new sign-ups are closed. It does not provide a country list, KYC steps, fee schedules, or supported wallet details.

The 1inch Card was a prepaid Mastercard. The launch announcement, dated 8 April 2024 and updated on 8 May 2026, says that physical and virtual cards were issued by Crypto Life and “powered exclusively by the Mastercard network.” The card was designed so that only crypto held in the user’s 1inch Wallet was needed, with conversion to fiat at the moment of payment. The official notice for the closure does not repeat these launch details, and the card’s own product page is no longer the place to look for them.

The names of the parties handling the card programme have been published. The card was issued by Monavate Ltd in the UK and UAB Monavate in the EU. The card provider, the front-end company that onboarded users and ran the card account, was Crypto Life (Frozen Time UNIPESSOAL LDA in the EU and Baanx Group Ltd in the UK). These are not 1inch entities; 1inch was the programme manager and brand on top.

KYC, when it was running, was handled by Crypto Life. The level of checks required, the documents accepted, and the tiers of verification offered are not described in the official sources. Unofficial third-party sites have said, as of August 2026, that KYC was required and that a basic tier with lower limits was available, but the official notice does not say any of this.

The financial mechanics of the card are also not described on the notice. The annual fee, foreign-exchange fee, conversion fee and ATM fee are all unstated officially. Unofficial sources from August 2026 give a different picture: an annual fee of 0 USD, 0% on foreign-exchange transactions, a 1.75% crypto conversion fee on every transaction, a 2% card spend fee from one aggregator, and a 2% ATM fee with a 500 USD daily ATM limit. These are not the card’s own published numbers; they are third-party numbers, and they are reported here as such.

What the card’s launch blog did say, and what is still on the page, is that only crypto in the user’s 1inch Wallet was needed, with conversion to fiat at the moment of payment. That is the only top-up flow described officially, and it is the design that defined the product. Unofficial sources list the spendable assets as 1INCH, ETH, USDT, USDC, BTC, LTC, XRP and BXX; the networks on which those tokens can be moved are not stated. The official notice does not address top-ups at all, because new top-ups are not the focus of the closure.

The card’s tiers, currency, delivery times and any reward structure are also not stated on the official notice. Unofficial sources report that the card offered 2% cashback in BXX or 1% cashback in BTC or USDT, chosen at the point of purchase, but the same page is said to be internally inconsistent about whether the cashback token was 1INCH or BXX, so even the unofficial picture is not clean.

What is clear, and what matters most, is the timeline. The notice asks users to withdraw or spend their balances as soon as reasonably possible, with a stated furthest foreseeable deadline of 18 December 2026. These timelines are set by the issuer and the card provider, not by 1inch, and they are not guaranteed. The underlying issuer terms, in section 16, allow for the redemption of remaining e-wallet funds up to six years after account closure, but the practical path is to act well before 18 December 2026.

If You Already Have a 1inch Card

If you already hold a 1inch Card, the question is not whether the card is good. The question is what to do with the balance that is sitting on it, in what order, and through which channel.

The first thing to understand is where the money actually sits. The 1inch Card account held an e-wallet balance issued by Monavate Ltd in the UK or UAB Monavate in the EU, not by 1inch. 1inch was the brand on the front; the licensed e-money institution holding the funds was Monavate. That matters because it determines who you talk to about your money, and it determines the legal framework that applies to your balance if anything goes wrong.

The second thing to understand is who handles account actions. The card provider, Crypto Life, runs the card account, including the chat in the account interface, the balance, the KYC status, the closure process and personal-data requests. The 1inch support team can log a case and escalate to Crypto Life, but 1inch cannot action account-level requests itself. If you write only to 1inch, you will be redirected to Crypto Life.

The third thing to understand is the timeline. The official guidance is to withdraw or spend the balance as soon as reasonably possible. The stated furthest foreseeable deadline is 18 December 2026, and the timelines are set by the issuer and the card provider, not guaranteed. The launch blog’s claim that the user “keeps control” of the funds and the issuer terms allowing redemption up to six years after closure are not the same as a guarantee that a withdrawal attempted on 18 December 2026 will be processed in time.

The practical path is to start the withdrawal now. Sign in to the card account, which is the CL-managed web account, and look for the withdrawal or redemption option. The withdrawal fee, if any, is not stated on the official sources. You will not be able to fund a new top-up on the card account in the way you could before the announcement, because the programme is closing, but the existing balance is still yours to move.

If you do not see a withdrawal option, or if the balance looks wrong, the channel to use is Crypto Life support, by email or by the chat inside the card account. The 1inch support team can also log a case and escalate. It is worth keeping a record of every request: the date, the channel, the reference number if one is issued, and the response. That record will matter if the balance is disputed later, because the 1inch trust surface that produced the card — the Trustpilot reviews of 1inch overall — is mixed, and user reports include cases where USDC deposits were confirmed on-chain but not credited, where card transfers never arrived, and where withdrawals were pending for thirty days or more.

If you have already started a withdrawal and it is stuck, treat it as an open account-level request: write to Crypto Life, copy 1inch support, and keep the message short and factual, with the transaction hash, the amount, the date and the expected destination. If Crypto Life does not respond in a reasonable time, the 1inch support escalation is a real channel, but it acts as a logged escalation, not as a direct resolution.

If you have a remaining balance that is small enough to spend down, that is also a legitimate way to reduce exposure before the deadline. Spend what you need at a merchant, on a subscription or on a bill. Do not assume that you can wait until the last day of December to act; do not assume that the card will keep working until then; and do not assume that the balances will be auto-returned to a wallet you control.

The languages and hours of the support channels are not stated. The 1inch and Crypto Life documentation does not name the languages in which support is offered or the hours during which responses are sent. The launch blog’s “users keep control … while still retaining custody” language is also ambiguous on the question of who actually holds the funds at what point, and the official wording does not resolve that ambiguity.

What Can Go Wrong

The headline risk is the one already named: the programme is closing, and any balance still on the card after the deadline is at risk of becoming harder to access, not easier. The stated furthest foreseeable date is 18 December 2026, but the issuer terms put a six-year outer bound on the redemption of remaining e-wallet funds, which means the law may give you a long tail to claim what is yours, even if the operational reality is much shorter.

Beyond the closure itself, the card sits in a wider risk landscape that anyone holding a balance now should understand.

The first risk is the issuer and the provider. The e-wallet that holds your balance is issued by Monavate Ltd in the UK or UAB Monavate in the EU, both authorised as electronic money institutions. The card provider on the front end is Crypto Life. These are regulated entities, and that is a positive; but e-money institutions are not banks, and e-money client funds are not deposit-guaranteed in the way that bank deposits are. If Monavate or the provider fails, your claim is against the safeguarded funds, not against a deposit guarantee scheme.

The second risk is the operational record. The 1inch Card is part of the wider 1inch product, and the user reports about card-specific issues are thin but pointed. The themes that come up in user reports about the card are: USDC deposits to the “1inch crypto card” that are confirmed on-chain but not credited to the card balance; card transfers that never arrived; USDC deposits uncredited for twenty hours or more while the support reply is “under review”; withdrawals pending for thirty days or more; and slow, generic support replies. The card is being closed, which removes the long-term dimension of those issues, but it does not remove the short-term risk that a withdrawal attempted now will sit in the same operational queue.

The third risk is the wider 1inch reputation. Trustpilot for 1inch overall, read on 2026-10-20, shows 3.6 out of 5 from 547 reviews, with only 6 of those reviews written in the last 12 months. Seventy-nine per cent of reviews are five stars, five per cent are one star, and the company replies to 16% of negative reviews. A separate aggregation via Traders Union gave a 4.2 from 543 reviews, with the latest review on 2 July 2026; the two numbers describe the same underlying profile. The Trustpilot score is the company’s own score for the wider product, not a card-specific score, and it is one signal among several.

The fourth risk is the security stack. The launch blog claims that users “keep control” while “retaining custody”, but that wording is ambiguous and the official security features — two-factor authentication, instant card freeze, per-merchant spending controls — are not stated. Card-managed money in the e-wallet sits with the issuer; the user does not hold the private keys to the issuer’s e-money balance. That is true of any prepaid card, crypto-linked or not, but it is worth being clear about it now that the card is closing.

The fifth risk is the regulatory environment. The card is being closed during the MiCA transitional period in the EU, which lets providers already operating under national law continue only until 1 July 2026 or until they receive or are refused a MiCA authorisation, whichever comes first. The 1inch Card programme is being wound down within that window, although the official notice does not link the closure to MiCA directly. If you are an EU user with a balance, the legal backdrop is changing around the same time as the card is closing.

The sixth risk is the unsupported top-up path. The launch blog says only crypto in the user’s 1inch Wallet was needed, converted to fiat at the point of payment. Unofficial sources list the spendable assets as 1INCH, ETH, USDT, USDC, BTC, LTC, XRP and BXX. The networks on which the card accepted deposits are not stated. Any deposit sent on a network the issuer did not support, or to an address of another network, can be lost or need manual support recovery with no guarantee, especially now that new sign-ups are closed and the operational queue is being wound down.

The seventh risk is the off-ramp itself. Withdrawing from a prepaid e-wallet back into crypto or into a bank account involves the issuer’s processing, the card provider’s processing, the blockchain’s confirmation, and, for a fiat off-ramp, the receiving bank’s compliance check. Each of those steps is a chance for a hold, a manual review or a decline. The closure compresses all of those steps into a few months.

What to Take Instead

The 1inch Card is no longer a sign-up option, so the alternatives below are cards that are still issuing, and that offer some of what the 1inch Card offered in its working months: a card-numbered balance, crypto funding, and a path from a self-custody or in-app wallet to a Mastercard or Visa acceptance network. Three of them are described below in the level of detail that the public sources support.

TokenPocket (TP Card) — 5.8 / 10

TP Card is a Mastercard or Visa debit product, depending on the region, that runs on the Arbitrum network. According to its public material, the Visa debit variant is offered in a list of European countries and territories including Germany, France, Spain and Switzerland; the Mastercard debit variant is offered in Australia, Canada, Hong Kong, Japan, Taiwan, New Zealand, Singapore, South Korea and the UK, among others, with the Americas listed as “planned for Q2 2025”. The Fiat24 cards, which sit in the same product family, are virtual only and hold balances in EUR24 and USD24.

The cost structure is unusual. TokenPocket covers part of an NFT creation fee for the card, with the user paying a “small portion” of it, the amount of which is not stated. Beyond that, “TP Card does not charge any additional fees”, which is a strong claim that should be read alongside the rest of the model. There is a 1% fee on cryptocurrency deposits into the TP Card, which is intended to be refunded later through rewards or reduced transaction fees. Foreign-exchange fees and inter-institution settlement fees can also appear, depending on the route. The specific coins and networks for crypto deposits are not listed in the FAQ; the wallet is an Arbitrum wallet.

There is no cashback structure stated. The 1% deposit fee is the only reward-related figure, and it is described as a refund rather than a yield.

MetaMask Card — 7.1 / 10

The MetaMask Card is a Mastercard issued by Monovate, with Crypto Life as the card provider. Sign-ups are open in 45 listed countries and territories (examples include Andorra, Argentina, Brazil, Canada, Mexico, Germany, France, Spain and Uruguay), with other regions joining a waitlist. Proof of residency is required. Ineligible regions limit sign-ups, not spending. The US and UK sign-ups are temporarily closed per the FAQ. The card is virtual first (issued instantly), with a Metal version that can be pre-ordered in the app after Virtual approval, and one card per user. The card’s currency is not stated.

The cost structure has a clear split. The Virtual card is free, with no annual or maintenance fee. The Metal card is 199 USD per year. There is a “minimal fee for each transaction” the amount of which is not stated on the pages read, with a fee table linked; “no additional MetaMask fees” and no foreign-transaction fee, with the Mastercard rate used for FX.

The funding model is direct from the connected MetaMask wallet, with no pre-load step in the way the 1inch Card had. The networks named are Linea, Base, Monad and Solana. The tokens named are mUSD, wETH, EURe, GBPe, USDC and USDT, with the page saying nine tokens in total. Solana-only wallets cannot withdraw credit.

The reward structure is a cashback paid in mUSD into the Money Account. The Virtual card pays 1%. The Metal card pays 3% on the headline, with a footnote limiting 3% to the first 10,000 USD spent and 1% thereafter. There is also a $FLY bonus of 5X (Virtual) or 7X (Metal) via the Blackbird dining app.

KAST — 6.1 / 10

KAST is a multi-card Visa product with up to ten cards per user. The card tiers are Visa Platinum (Standard), Visa Infinite metal (Premium) and Visa Infinite gold plated (Private), with additional designs in the Pengu, Solana and Bitcoin styles. The account balance is in USD, with stablecoin deposits converted 1:1 and a 0% spread.

The eligibility rule is residence-based and ID-based. KAST shows a country list at KYC, and the company says that “if your country isn’t listed, it means KAST is not available there”. The list itself is not published, and a Restricted Locations list is referenced without countries being named. Citizenship and ID also matter: someone who lives in a supported country but holds an ID from a restricted region can still be ineligible, dual citizens with a supported-country ID may pass, only the account holder’s own ID is accepted, and a VPN does not bypass the check. An account can be created in an unsupported country but KYC stays locked.

The cost structure is a tiered annual membership: Standard 0 USD per year, Premium 1,000 USD per year, Private 10,000 USD per year, billed annually upfront with no monthly option. Extra virtual cards cost 2 USD (and 2 USD “in some regions” on the included Standard virtual card). The Standard physical card has 0 USD card fee plus 40 USD delivery, while the Premium and Private physical cards are included. An inactivity fee of 1 USD per month applies after 12 months, and renewal or reactivation fees exist, with amounts not stated.

The fee structure is competitive in the right places. Stablecoin top-ups are 0%, card spend in USD is 0%, transaction fees are 0%, and Apple and Google Pay are 0%. The non-USD FX fee is 0.5% to 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. Non-stablecoin tokens may be auto-converted at a fee shown in the app.

The funding model is stablecoin-first. The stablecoins supported are USDT, USDC, PYUSD and RLUSD, on networks including Ethereum, Solana, Polygon, Arbitrum and TRON (the app lists current networks). No bank account is needed. The terms say acceptable tokens are “currently USDT and USDC”, which conflicts with the in-app list. Spending is from the user’s own balance, and each purchase is deducted straight away, not as credit.

The reward structure is a USD cashback. Standard pays 1.5% on the first 2,000 USD per month, Premium pays 2% on the first 10,000 USD per month, and Private pays 3% on the first 40,000 USD per month. KAST Points add 1% on Premium and 2% on Private, on top of the USD cashback, with no points on Standard. Cashback is paid in USD when the transaction is authorised.

Who I Would Recommend This Card To

The honest answer is: nobody, as a card to sign up for today. New sign-ups are closed, and the existing programme is being wound down. For anyone reading this as a new customer, there is no path.

For existing cardholders, the recommendation is narrower and more practical. Start the withdrawal of the e-wallet balance now, through the Crypto Life card account, and do not assume that the 18 December 2026 furthest foreseeable date is a hard expiry on operational reliability. Keep a paper trail: dates, channels, reference numbers, transaction hashes, and the responses you get. If the response is slow or non-specific, escalate to 1inch support with the case logged, and keep that escalation as evidence.

If you have a balance you can comfortably spend, spending it down is a legitimate alternative to a withdrawal, especially if the merchant is one you would have paid anyway. Do not top up new funds in expectation of holding them; the programme is closing.

If you are a 1inch Wallet user without a 1inch Card and you are looking for a crypto-funded card that is still issuing, the alternatives in the previous section are the live options to compare against. None of them is a perfect replacement for what the 1inch Card was — they have different fee structures, different reward structures, different country lists and different wallet integrations — but they are cards that you can still sign up for, in the regions where they are available, and they let you keep a card-numbered balance funded from crypto.

Frequently Asked Questions

What is the 1inch Card?

The 1inch Card was a prepaid Mastercard issued by Monavate Ltd (UK) and UAB Monavate (EU), with Crypto Life as the card provider. It launched on 8 April 2024 in partnership with Mastercard, and the launch blog post was updated on 8 May 2026. The programme is being discontinued, and new sign-ups are closed.

How does the 1inch Card work?

In its working design, the card only needed crypto in the user’s 1inch Wallet, and converted that crypto to fiat at the point of payment. The card existed in both physical and virtual form, and was “powered exclusively by the Mastercard network”. Balances sat in an e-wallet issued by Monavate, not by 1inch.

Is 1inch a bank?

No. 1inch is the brand on the front of the card programme. The e-wallet that held the card balance was issued by Monavate Ltd in the UK and UAB Monavate in the EU, both authorised electronic money institutions. The card provider on the front end was Crypto Life. E-money institutions are not banks, and e-money client funds are not deposit-guaranteed.

Who owns 1inch?

1inch is not the owner of the card issuer or the card provider. The card programme involved 1inch as a brand and programme manager, with Monavate as the e-money issuer and Crypto Life (Frozen Time UNIPESSOAL LDA in the EU, Baanx Group Ltd in the UK) as the card provider. Those entities are independent of 1inch.

Is the 1inch Card available in my country?

The official discontinuation notice does not publish a country list. Unofficial third-party sources from August 2026 say the card was offered in the EEA and the UK and not offered in the US, but those are not the card’s own published figures. With new sign-ups closed, the question is now academic for new applicants.

How do I get a 1inch Card?

You cannot. The programme is being discontinued, and new sign-ups are closed. Existing cardholders are being asked to withdraw or spend their balances, with a stated furthest foreseeable deadline of 18 December 2026. There is no sign-up path.

Does the 1inch Card require KYC?

KYC was required. The official sources do not describe the level of checks, the documents accepted or the tiers of verification. Unofficial third-party sites have said, as of August 2026, that a basic tier with lower limits was available, but those are not the card’s own published figures.

How do I top up the 1inch Card?

The launch blog says only crypto in the user’s 1inch Wallet was needed, converted to fiat at the point of payment. Unofficial sources list the spendable assets as 1INCH, ETH, USDT, USDC, BTC, LTC, XRP and BXX. The networks on which deposits were accepted, and the exact top-up flow now that the programme is closing, are not stated on the official sources.

How do I withdraw money from my 1inch Card?

Sign in to the Crypto Life card account and use the withdrawal or redemption option there. The withdrawal fee, if any, is not stated on the official sources. If the option is not visible or the balance looks wrong, contact Crypto Life support by email or the in-account chat, and copy 1inch support so the case is logged. Keep a record of every request.

Is the 1inch Card safe?

The balance sat in an e-wallet at an authorised e-money institution, Monavate, and was not held by 1inch. The official security features — 2FA, instant card freeze, per-merchant spending controls — are not stated on the card’s pages. The launch blog’s claim that users “keep control” while “retaining custody” is ambiguous. The Trustpilot score for 1inch overall, read on 2026-10-20, is 3.6 out of 5 from 547 reviews, with user reports including USDC deposits confirmed on-chain but not credited and withdrawals pending for thirty days or more.

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