Costs, licensing, consumer protection Privacy, self-custody, censorship resistance

Exodus Spend Card Exodus integrated

A plan byExodus Spend Card · Visa

3.8/5 2.9/5 · Data verified on

Exodus Card uses a non-custodial delegation model with 0% FX markup, coverage in over 30 countries and Apple and Google Pay support. It is virtual-only, however, not available in the US and works solely with Solana stablecoins, requiring SOL for gas fees.

Estimated net annual cost €0/year

Exodus integrated

Price
Free
Issuance fee
Free
FX markup
0%
Cashback
0%
Cashback currency
Nessuno
Cashback cap
Free
Required staking
Nessuno
ATM fee
0%
ATM limit
N/A (virtual only)
Net annual cost
Free

What's included

  • Non-custodial integrato in Exodus wallet
  • 300+ crypto
  • Swap interno 1-4% fee
  • AI portfolio insights
  • NFT gallery ETH+SOL
0%
FX markup
Cashback
Free
Annual fee
Free
Issuance fee
Self-custody
Custody
46
Transparency: Low
46/100 · see methodology
46
Data exposure: Low
46/100 · lower is better for sovereignty · methodology

Data & conditions

§ Amounts in USD/GBP are shown in the service's native currency.

Network Visa
Fund custody Self-custody (funds in your control)
Issuance fee Free
Annual fee Free
Free ATM limit N/A (virtual only)
ATM withdrawal Free
FX markup 0%
Cashback
Chains Multi-chain via Exodus wallet
On-chain settlement Yes
Contactless Yes
Virtual card Yes
KYC Full
Privacy 7/10
Supported countries EEA, UK, LATAM, APAC · 30+ countries
Estimated net annual cost €0/year
Regulator FCA (Financial Conduct Authority)
OAM Italy registration No
Segment B2C
Past incidents [object Object]
MiCA / License status EMI / FCA Crypto Asset Registration N/D

Strengths

  • Not-custodial delegation model; 0% FX; 30+ countries; Apple/Google Pay.
  • Self-custody: funds stay in your wallet — the platform cannot touch them.

Weaknesses

  • Virtual only; no USA; only stablecoin Solana.
  • Full KYC required: verified identity, zero pseudonymity.
  • Subject to regulation (N/D): reporting to authorities and freezes on order.

Verdict

B C ★ 3.8/5 ★ 2.9/5 Estimated net annual cost: €0/year

The mid-tier placement reflects a mix of pros and cons: 0% FX markup, coverage in over 30 countries and Apple and Google Pay support on one side, but virtual-only, no cashback and operation limited to Solana stablecoins on the other. FCA oversight helps, but the non-custodial delegation model still leaves key-risk management to the user.

On the sovereignty front the product holds up: non-custodial via delegation, on-chain settlement and funds handled by the multi-chain Exodus wallet, with 0% markup. Operating only in Solana stablecoins and needing SOL for gas narrow its scope, and full KYC remains the limit on anonymity.

Privacy & anonymity 30% 1.8
Fund control 20% 5.0
Censorship resistance 20% 1.5
Costs 10% 5.0

Promp's editorial rating based on real fees and net annual cost. Promp reviews third-party products independently.

"Sovereignty" rating: score computed on privacy/anonymity (30%), fund control (20%), censorship resistance (20%), trustless/auditability (20%) and costs (10%). Same data, different weights.

FAQ

Is Exodus Spend Card a safe card?

Exodus Spend Card is a self-custody card on the Visa network. As a payment card, loaded funds are e-money and are not covered by a bank deposit-guarantee scheme. Fund custody is self-custody.

How much does Exodus Spend Card cost?

The card has no annual fee. Issuance is free. The FX markup is 0% (no surcharge). See the tier table for full conditions.

Does Exodus Spend Card offer cashback?

Exodus Spend Card does not offer crypto cashback.

Is Exodus Spend Card available in Italy?

Yes, Exodus Spend Card is available in Italy.

Is Exodus Spend Card custodial or self-custody?

Exodus Spend Card uses a self-custody model. Funds stay in your wallet and you keep control of your private keys; the card debits at the moment of spending.

Sources

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Update history

✓ Terms unchanged since Jun 14, 2026

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