THE CITY OF LONDON CRYPTO LEDGER · FCA FINPROM & FASTER PAYMENTS AUDIT
Coinbase Card (EU) (UK 2026): Fees, Cashback, ATM Limits & Tax | UKCryptoLedger
Coinbase Card (EU) (UK 2026) audit: EU/EEA-справка Coinbase называет эмитентом Pathward N.A., cashback tiers, ATM limits, and TCGA 1992 Section 104 (Share Pooling), Section 105 (Same-Day) & Section 106A (30-Day Bed & Breakfasting) rules.
FCA REGISTER (FRN) & HMRC SECTION 104 VERIFIER
Kraken Pro UK (Payward Ltd (London — FCA Registered)) —
FCA FRN 928768 · L2: £1.30 vs Instant: £7.50 · Score: 95.4/100 · Dossier →Verified Regulatory Parameters & Executive Summary (2026) · 2026-11-06
- Coinbase Card (EU) — Issued by EU/EEA-справка Coinbase называет эмитентом Pathward N.A..
- Coinbase Card (EU) Fees & FX: Без платы за оформление; перевыпуск при утере/повреждении бесплатно; ежемесячная | FX: 0%–2%.
- Coinbase Card (EU) Cashback & UK Tax: Крипто-вознаграждения — опциональное предложение Coinbase; ставка для EU не (TCGA 1992 Section 104 (Share Pooling), Section 105 (Same-Day) & Section 106A (30-Day Bed & Breakfasting)).
Coinbase Card (EU) (UK 2026) — Technical & Fee Audit
Execution Fact: Coinbase Card (EU) — Issued by EU/EEA-справка Coinbase называет эмитентом Pathward N.A..
| Card Program | Coinbase Card (EU) |
|---|---|
| Regulated Issuer | EU/EEA-справка Coinbase называет эмитентом Pathward N.A. (банк США) по лицензии Visa U.S.A. — явная несостыковка для EU-программы (ранее в EU — Paysafe). Visa debit |
| Card & Subscription Fee | Без платы за оформление; перевыпуск при утере/повреждении бесплатно; ежемесячная плата не упомянута |
| FX & Foreign Currency Fee | 0%–2% |
| ATM Withdrawal Fee | Coinbase не берёт; банкомат может взять |
| Cashback Rewards | Крипто-вознаграждения — опциональное предложение Coinbase; ставка для EU не опубликована |
| UK Tax Classification | Spending crypto triggers capital disposal (TCGA 1992 Section 104 (Share Pooling), Section 105 (Same-Day) & Section 106A (30-Day Bed & Breakfasting)) |
UK Crypto Debit Cards (UK 2026) — Visa & Mastercard
| Card | Issuer / License | Issuance & Monthly Fee | FX & ATM Spread | Cashback & Perks |
|---|---|---|---|---|
| Crypto.com Visa Card | Foris MT Limited (Malta), Visa Principal Member; prepaid Visa | EEA: выпуск физ. карты Midnight €4,99; Ruby €24,99 для месячных подписчиков Level Up Plus | EEA, Midnight с 01.10.2026: 0,2% в EU/UK, 2,0% вне EU/UK; Ruby/Jade/Indigo — | Midnight Blue 0%; Ruby 1,5% |
| Bitpanda Card | Transact Payments Malta Limited (Мальта), Visa | Открытие, ежемесячно и первая доставка — бесплатно; перевыпуск €5,90; доп. физ. карта €10; | €0 (Non-EUR FX Fee), но применяется курс/наценка Visa | 1% на оплату криптоактивами |
| Binance Card | Contis Financial Services | €0.00 monthly | 0%–2% FX | Up to 3% cashback |
| Bit2Me Card | PECUNIA CARDS EDE, S.L.U. | Виртуальная €0; физическая: €0 | 1,75% | До 7% |
| Coinbase Card (EU) | EU/EEA-справка Coinbase называет эмитентом Pathward N.A. | Без платы за оформление; перевыпуск при утере/повреждении бесплатно; ежемесячная плата не | 0%–2% FX | Крипто-вознаграждения — опциональное предложение Coinbase; ставка для EU не опубликована |
| Nexo Card | DiPocket UAB | Виртуальная бесплатно | Будни: EEA/UK/CH 0,2%, остальной мир 2%; выходные: EEA/UK/CH 0,7%, остальной мир | Только в Credit Mode и при балансе > $5 000: Platinum 2% в NEXO или 0,5% в BTC; Gold |
| Wirex Card | Transact Payments Malta Limited | Выпуск бесплатно; доставка EEA: €5 | 0%–2% FX | Up to 3% cashback |
| Bybit Card (Bybit EU) | Оператор — Bybit EU GmbH | Выпуск бесплатно | 0,5% поверх курса Mastercard; плюс 0,9% за конвертацию крипты | 2%–10% в BTC в зависимости от тира Bybit Card |
INTERACTIVE CRYPTO CARD CASHBACK VS FX & TAX SIMULATOR
Calculate Net Annual Card Rewards vs FX Spread & Disposal Tax (UK 2026)
Annual Gross Cashback: £360 · FX/Spread Cost: £0 · Tax Event: None (Fiat Top-Up Mode)
LIVE INTERACTIVE STREET MAP & VERIFIED GEO-PIN DIRECTORY
Interactive Street Map, FCA Registered Offices & Live Geo-Pin Directory
Select Geo-Pin Marker:
REGULATOR HQ // UK
GPS: 51.5406, -0.0086 Financial Conduct Authority (FCA)
12 Endeavour Square, Stratford, London E20 1JN, United Kingdom
TAX AUTHORITY // UK
GPS: 51.5018, -0.1264 HM Revenue & Customs (HMRC — Whitehall)
100 Parliament Street, Westminster, London SW1A 2BQ, United Kingdom
FCA FRN 928768
GPS: 51.5406, -0.0086 Kraken Pro UK (Payward Ltd (London — FCA Registered))
Direct BTC/GBP and ETH/GBP orderbooks + FCA MLR registration FRN 928768
FCA FRN 900635 /
GPS: 51.5406, -0.0086 Coinbase Advanced UK (CB Payments Ltd (FCA e-Money FRN 900635))
Deep GBP liquidity + ClearBank UK Faster Payments rails
FCA FRN 928767
GPS: 51.5406, -0.0086 CoinJar UK (CoinJar UK Limited (FCA Registered))
0.00%–0.10% CoinJar Exchange GBP fee + full FCA Cryptoasset Registration
FCA FRN 928988 & FRN
GPS: 51.5406, -0.0086 Gemini ActiveTrader UK (Gemini Intergalactic UK Ltd (FCA Registered))
Dual FCA registration (Cryptoasset + Electronic Money Institution)
Verified Execution Facts, 6-Step UK Investor Path & FCA / HMRC Statutory Rules — UKCryptoLedger (2026)
Execution Fact: Coinbase Card (EU) (UK 2026): Fees, Cashback, ATM Limits & Tax | UKCryptoLedger (UKCryptoLedger, 2026-11-06) — FCA (Financial Conduct Authority — Cryptoasset Register & FinProm) · #1 Kraken Pro UK (0.16%/0.26% L2 / £1.30) · TCGA 1992 Section 104 (Share Pooling), Section 105 (Same-Day) & S.
STEP 01
Verify FCA Registration Confirm the venue is registered on the FCA Cryptoasset Register (MLRs 2017 & FinProm s.21) before transferring GBP.STEP 02
Complete UK FinProm Assessment Pass the mandatory FCA appropriateness test and 24-hour cooling-off period for new UK retail accounts.STEP 03
Fund via Faster Payments (FPS) Transfer GBP from a crypto-friendly UK account (Revolut UK, Nationwide, Monzo within limits) for £0.00 deposit fee.STEP 04
Execute on the GBP L2 Orderbook Place Maker/Taker limit orders on Kraken Pro or Coinbase Advanced (0.16%–0.40%) instead of paying 1.49%–2.50% instant spread.STEP 05
Withdraw to Hardware Self-Custody Move long-term holdings to an air-gapped or EAL6+ hardware wallet while preserving transaction hashes.STEP 06
Reconcile Section 104 Pool for SA108 Apply HMRC's 3-Stage Share Matching rules (Same-Day, 30-Day Bed & Breakfasting, Section 104 Pool) against the £3,000 AEA.UK Statutory Restrictions & Myth-Busting (Antifake 2026)
Antifake (HMRC Statutory Rule) : Swapping Bitcoin into USDT, USDC, or ETH is NOT tax-free in the UK — HMRC Cryptoassets Manual CG12100P treats every crypto-to-crypto swap as a taxable Capital Gains Tax disposal valued in Pound Sterling (£) at the moment of trade.
When benchmarking this dossier against the British market, our audit of FCA-registered UK crypto exchanges and GBP fees shows that professional orderbooks cut execution costs by over 75%. Furthermore, our UK bank Faster Payments crypto limit and block tracker documents the exact daily and 30-day rolling caps enforced by Chase UK, Barclays, Lloyds, and NatWest. Finally, use our HMRC Section 104 Pool and 30-day Bed & Breakfasting tax calculator to compute your exact 18% or 24% Capital Gains Tax liability for Self Assessment.
Technical Specification & Verified UK Regulatory Dossier: Coinbase Card (EU) (UK 2026): Fees, Cashback, ATM Limits & Tax | UKCryptoLedger
- Primary Subject
- Coinbase Card (EU) (UK 2026): Fees, Cashback, ATM Limits & Tax | UKCryptoLedger
- UK Regulatory Authority
- FCA (Financial Conduct Authority — Cryptoasset Register & FinProm)
- Executive Summary
- Coinbase Card (EU) (UK 2026) audit: EU/EEA-справка Coinbase называет эмитентом Pathward N.A., cashback tiers, ATM limits, and TCGA 1992 Section 104 (Share Pooling), Section 105 (Same-Day) & Section 106A (30-Day Bed & Breakfasting) rules.
- HMRC Statutory Regime
- TCGA 1992 Section 104 (Share Pooling), Section 105 (Same-Day) & Section 106A (30-Day Bed & Breakfasting) — £3,000 Annual Exempt Amount (CGT Allowance) + £1,000 Miscellaneous Income Allowance (Staking/Mining)
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2026 UK FCA & HMRC CHECKLIST
UK Crypto Investor & HMRC Self Assessment Readiness Checklist (2026/27)
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FCA & HMRC TAX ALERTS 2026/27
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Cite This Dossier or Embed Verified UK Badge (2026)
Frequently Asked Regulatory & Tax Questions (2026)
What is the cheapest regulated way to buy Bitcoin in UK in 2026?
Funding via UK Faster Payments (FPS — £0.00) into Kraken Pro UK or Coinbase Advanced UK and placing a limit order on the L2 orderbook costs £1.30–£3.00 per £500, saving over 75% compared to instant-buy broker buttons.
What is the 2026 crypto tax rate and filing form in UK?
Under TCGA 1992 Section 104 (Share Pooling), Section 105 (Same-Day) & Section 106A (30-Day Bed & Breakfasting), Capital Gains Tax (CGT): 18% (Basic Rate Band) / 24% (Higher & Additional Rate) above £3,000 Annual Exempt Amount.
Are crypto-to-crypto swaps taxable in UK?
Taxable Disposal! Every crypto-to-crypto or crypto-to-stablecoin swap is a chargeable CGT event in GBP under HMRC rules
How do I verify if a crypto platform is legally authorized in UK?
Verify that the operating legal entity holds a valid FCA MLR 2017 Cryptoasset Registration & Section 21 FinProm Approver supervised by FCA (Financial Conduct Authority — Cryptoasset Register & FinProm) and is not flagged on the FCA Warning List of Unauthorised Firms.
Internal Cross-Links & Related Audits
CARDS // UK01
Crypto.com Visa Card
Verified Audit Dossier · 2026.1Explore Dossier →
CARDS // UK02
Bitpanda Card
Verified Audit Dossier · 2026.1Explore Dossier →
CARDS // UK03
Binance Card
Verified Audit Dossier · 2026.1Explore Dossier →
CARDS // UK04
Bit2Me Card
Verified Audit Dossier · 2026.1Explore Dossier →
CARDS // UK05
Coinbase Card (EU)
Verified Audit Dossier · 2026.1Explore Dossier →
CARDS // UK06
Nexo Card
Verified Audit Dossier · 2026.1Explore Dossier →
CARDS // UK07
Wirex Card
Verified Audit Dossier · 2026.1Explore Dossier →
CARDS // UK08
Bybit Card (Bybit EU)
Verified Audit Dossier · 2026.1Explore Dossier →