Why not just send SPS direct to Crypto.com?

I use [Wirex](https://wirexapp.com/), [Nexo](https://nexo.com/), sometimes [Tap](https://www.withtap.com/).

I think, you are from Croatia, so EU. I think, you wanna forget this way, and crypto.com, the above 3 are cheaper. These ones are totally free, no monthly cost, no issuance, deliver cost, till $200-2k/month even the ATM withdrawal is free. (if you have all, and use all, stand below the monthly limit, basically you can withdraw enough for daily life for completely free. Even ATM at zypto is $4+1% which is likely mean 2% as the trx limit hardly can be higher $300-500) Not to mention cashbacks if you spend by card, then the cost can be lower.

Not really did the Hive part for a long while, anyway that isn't the expensive part, but sell crypto for fiat in the app. (What zypto does not even list on their fee list, so in the end, it is not simply $6+4.5% but way more, likely above 8% or even more They probably use 3rd party services, that's why so expensive - the crypto bill payment 8% is also nuts for the same reason.)

It's just simply not even near to competitive. Maybe, if it would be 1-2% off from best ones, but it's way farer. People will take the longer, different way for such a difference, even for less. That's why they don't have users.

I also can recommend the [bit2me](https://bit2me.com/). They have around 400 cryptos there, EU, Spain reg, Mica compatible, and they even have a 'Listing request' form on their website. Operates in Europe, America (except USA) and some part of Asia. A bit more expensive, but still cheaper than crypto.com, zypto. And small one, if legally ok, they definitely would add Hive. Have to reach them out and ask. 😉

Oh, + [bit2me](https://bit2me.com/suite/pay) is working on something they call 'payment to social networks'. Probably they would be even more interested in Hive because of that.

I'm pretty sure, they would add Hive (for free), if legally possible.


![bit2me.png](https://files.peakd.com/file/peakd-hive/pokermaria/23xArbuYifWUxd1VygMrfcRQ8pdseL1puaSL9zL6JkJx56cM5mbHF48gFojAuE97BE26x.png)

Revolut online bank converts USDT into fiat for free. ;)

Hello,

There are many hidden fees for many crypto card products. Also, they require you to deposit onto a CEX (which we are not), trade, etc. 

Centralised exchanges often run their cars programs as loss leaders to get more volume through. 

It's important to note that Zypto is not just a card company. Our app is a fully fledged DEfi wallet, but built differently focused on providing OPTIONS. 

If you want to pay your bills, use a reloadable or Non-reloadable card or gift card to spend your assets, we aim to make sure it's easy and convenient for you. Of course, we are always aiming to provide fair pricing, as well as various perks. More and more will be added over time. 

I think, having something for $20k which does nothing is not better than having nothing. Not even nothing, but $20k in pocket, what can be used for something valuable. 😉

I can talk about the European competition, but I am pretty sure, it is the same worldwide.

ATM all my fees around 2-2.5% to get crypto to crypto debit card. Free card, free shipping, no monthly cost ($2-5 inactivity fee after 1 year, which never applies), holding exchanges' coins giving some extra benefits.

So $12 monthly fee + the 4.5% top up fee is not competitive at all.

For example, here is the Wirex fees - free card, or max $5 cost everywhere, that's just basic:


![wirex.png](https://files.peakd.com/file/peakd-hive/pokermaria/23t8B2nvYdNMZXBF426BrpUNqFJhNhugZAnbaTTJRszbc9uHVApEfS1fJWiDK2Go6ePgq.png)

The Tap fees, crypto-fiat cost 1.5-2.5% but except that everything is free.:


![tap cost.png](https://files.peakd.com/file/peakd-hive/pokermaria/23sxpXQpjEfhNJLuCETawYJhLY7SiAXNvT9Sud7tDJipFjrUf1UzegLQm1rg9dsXmTf4W.png)

The Nexo is pretty much the same, there you can reach monthly 2k (or 5k) free ATM withdrawal limit by holding their coin.

So this zypto is a very-very expensive one.

If you pay more than 3-4%, probably you want to double check the current offers, new ones popping up all the time - and expensive ones disappearing all the time.

So I would not spend money for any which is hardly viable in the competition.