¹ The rate depends on the average value of assets held across SmartCard, SmartCard, and SmartCard Pro. Geographic restrictions and terms apply. For more information, see the Help Centre.
² Variable spreads apply when spending different assets. Third-party ATM fees may apply. Instant transfers between SmartCard users are fee-free.
3 APY may vary with market conditions. Geographic restrictions apply. Not available in the EEA. Learn more.
4 APY as of 21 January 2026 and subject to change. Variable APY available may change with on-chain conditions. Geographic restrictions apply.
Geographic restrictions apply. Instant buy/sell fees apply when you convert one asset to another before making a transfer. See our fee schedule for more.
Using crypto may have tax consequences when converting to fiat, including capital gains or losses. Seek personal advice from a tax professional. Learn more.
Cashback is generally not taxable; ask a tax adviser for guidance. Learn more.
Payward Services Limited (PSL) is authorised by the Financial Conduct Authority to conduct electronic money activities and provide related payment services under the Electronic Money Regulations 2011 (FRN: 1010381). Payward Ireland Limited (PIL), trading as SmartCard, is regulated as an electronic money institution by the Central Bank of Ireland. PSL and PIL must safeguard your funds using safeguarding systems. Each organisation must place your funds in a segregated client bank account. Note that electronic money on your account is not covered by the Financial Services Compensation Scheme (FSCS) or similar schemes.
The SmartCard card is issued by Monavate (company number 12472532), authorised by the UK Financial Conduct Authority to issue e-money and provide payment services (firm reference 901097). In the EEA, the card is issued by Monavate UAB (company number 305628001), authorised by the Bank of Lithuania to issue e-money and provide payment services in Lithuania (licence number 92).
Mastercard® is a registered trademark of Mastercard International Incorporated. The card is issued by Monavate under licence from Mastercard International Inc.
Apple Pay requires a supported card from a participating issuer. To check whether your card works with Apple Pay, contact your card issuer.
Apple Pay is not available in all countries. See the list of countries and regions where Apple Pay is available.
Features may change. Some features, apps, and services may not be available in all regions or languages and may require specific hardware and software. For more information, see feature availability.
