CEX.IO Card

The CEX.IO Card was a crypto payment card connected to the CEX.IO ecosystem and designed for online and in-store spending. However, the current card programme is no longer operational.

CEX.IO announced that card payments became unavailable from 3 February 2026 after the Polish Financial Supervision Authority withdrew the payment-services authorisation of Quicko sp. z o.o., the regulated programme partner supporting the card.

For users researching the card today, this status is more important than its older features or reward promotions. Existing cards cannot currently be used for purchases, and CEX.IO has paused new card issuance while it works on a replacement card programme.

No. CEX.IO says payments with the current CEX.IO Card have been unavailable since 3 February 2026.

Existing cardholders cannot use the card for online or in-store purchases, and CEX.IO has paused onboarding and issuance of new cards under the former programme. The company says it is working to transition to a new card programme partner, but it has not published a confirmed relaunch date in its current Help Centre notice.

This means older CEX.IO articles or reviews describing an active card should be treated as historical. Until CEX.IO formally launches the replacement programme, users should not rely on the card for spending or attempt to order a new one.

The card programme was suspended after the Polish Financial Supervision Authority, KNF, decided to withdraw Quicko sp. z o.o.'s authorisation to provide payment services as a national payment institution.

CEX.IO identified Quicko as the regulated programme partner supporting the version of the CEX.IO Card that was active at the time. The regulatory decision was announced on 21 January 2026, and CEX.IO stopped card payments from 3 February 2026.

The suspension relates specifically to the card programme and its payment partner. It does not mean the entire CEX.IO exchange or wallet service was shut down. CEX.IO continues to offer other supported crypto and fiat services outside the inactive card programme.

No. CEX.IO has paused onboarding and issuance of new cards under the former programme.

The card application is unavailable in the CEX.IO App until the company launches a new programme with a replacement partner. CEX.IO says it will provide instructions and timelines once the transition is finalised.

If you see an older guide telling users how to claim or order a CEX.IO Card, do not assume that application flow still works. Current users should follow official app notifications, email and the CEX.IO Help Centre for any relaunch announcement rather than sending money or personal information through an unofficial card application link.

No. CEX.IO states that existing cards cannot currently be used for online or in-store payments.

The suspension applies to the current card programme rather than only to new applications. Cardholders should therefore move subscriptions, bills and other recurring payments to another payment method to avoid failed transactions.

CEX.IO specifically advises users not to rely on the card for time-critical payments. If the company launches a replacement card programme, existing cardholders may receive new instructions, but the old card should not be treated as temporarily usable while waiting for that transition.

CEX.IO says no. The February 2026 notice states that the CEX.IO account balance is not affected by the card-programme suspension and that other platform features remain available as usual, subject to normal regional eligibility.

This distinction matters because the CEX.IO Card was only one payment product within the wider CEX.IO ecosystem. Losing card functionality does not automatically mean users lose access to crypto or fiat balances held in their main CEX.IO account.

Users should still follow the normal security and withdrawal procedures for their account. The card suspension should not be interpreted as a reason to send funds to a third party claiming they can 'recover' a CEX.IO balance.

CEX.IO says refunds, reversals and disputes that are initiated under the applicable card-scheme rules should continue to be handled through the former card programme.

However, CEX.IO warns that processing times and status visibility can be affected during the programme wind-down. That means a refund from a merchant may take longer or be harder to track than it was when the card programme was fully operational.

If you are waiting for a refund, keep the merchant confirmation, original transaction details and any reference number. Contact CEX.IO support through the official Help Centre or live chat if the expected refund does not appear.

Replace the CEX.IO Card with another payment method. CEX.IO explicitly advises cardholders to update recurring payments such as subscriptions and bills because the old card can no longer complete transactions.

Do not wait for the merchant to retry several times, particularly for essential services. A failed renewal can lead to account suspension, late fees or service interruption depending on the merchant.

If CEX.IO later launches a replacement card, you can decide whether to move subscriptions back after reviewing the new card number, programme terms and fees. The replacement programme should be treated as a new payment setup rather than assuming old recurring-card credentials will automatically migrate.

The former CEX.IO Card programme was supported by Quicko sp. z o.o. CEX.IO describes Quicko as the regulated programme partner behind the version of the card that was active before February 2026.

Quicko's authorisation to provide payment services as a national payment institution was withdrawn by the Polish Financial Supervision Authority. That regulatory change is the reason CEX.IO gave for suspending card payments and pausing new issuance.

This is a useful reminder that the brand on a crypto card and the regulated payment institution behind it can be different companies. When the payment partner changes status, the branded card programme can be affected even if the wider crypto platform remains operational.

Yes, but this is separate from the suspended CEX.IO Card. CEX.IO still supports eligible external Visa and Mastercard cards, Apple Pay and Google Pay for services such as fiat deposits and crypto purchases in supported jurisdictions.

In other words, you may still be able to use a card issued by your bank to fund CEX.IO even though you cannot spend using the CEX.IO-branded Card.

Availability, fees and limits depend on country, verification level and payment method. CEX.IO currently requires at least Identity verification for card deposits and Apple Pay or Google Pay funding. Always distinguish 'using a card on CEX.IO' from 'using the CEX.IO Card'.

No active card cashback can currently be earned because the CEX.IO Card itself is inactive.

Before the suspension, CEX.IO ran Cashback 2.0 and other promotions that awarded random cryptocurrency rewards on eligible card purchases of at least €1. Those programmes included rewards in assets such as BTC, ETH, SOL, DOGE and other supported tokens.

These offers are now historical. Users should not interpret old CEX.IO cashback articles as evidence that the card is currently spendable or that rewards can still be earned. Any cashback terms for a future replacement card would need to be assessed separately when CEX.IO publishes the new programme.

CEX.IO's card policy says cards with no successful transactions for three months or more could be closed for inactivity. Users were notified by email before the planned closing date and could avoid closure by completing a qualifying card transaction or top-up.

That policy describes the card programme as it previously operated. Since February 2026, the larger issue is that all payments under the former programme are unavailable, not merely cards that individually became inactive.

The inactivity article is therefore useful historical context but should not be interpreted as a way to reactivate the current card. Making a top-up or purchase is not a workaround for the programme-wide suspension.

Yes, in supported jurisdictions. CEX.IO continues to accept eligible external Visa and Mastercard debit or credit cards for fiat deposits and Instant Buy transactions.

This is unrelated to the suspended CEX.IO-branded Card. To buy crypto with your own bank card, you can select a linked card or another supported payment method such as Apple Pay, Google Pay or PayPal during the purchase flow.

CEX.IO currently requires identity verification for card transactions, and limits depend on verification level and location. Fees are displayed before confirmation. Users should therefore not assume that the loss of the CEX.IO Card removes all bank-card functionality from the platform.

CEX.IO says it is actively working to transition to a new card programme partner and intends to resume onboarding once the replacement programme is ready.

However, the current Help Centre notice does not provide a confirmed launch date, new issuer, fee schedule or eligibility list. Until those details are published, users should treat the future card as planned rather than available.

When the new programme launches, it will be important to reassess the product from scratch. The issuer, card network, supported countries, fees, cashback and wallet integration may differ from the former Quicko-backed card, so older reviews should not automatically be applied to the replacement.

For questions about the suspended card programme, use CEX.IO's official Help Centre at https://support.cex.io and contact the Support team through live chat. CEX.IO specifically directs cardholders to support for programme-related questions.

For refunds or reversals, keep the merchant name, amount, date and any refund confirmation or reference available. For account-balance questions, use the normal CEX.IO support route because the main account remains separate from the inactive card programme.

CEX.IO says future card updates will be communicated through app notifications, email and the Help Centre. Avoid unofficial 'replacement card' links and never share passwords or two-factor authentication codes with someone contacting you unsolicited.