ATM Limit
| Midnight Card | Ruby Card | Indigo / Jade Card | Icy / Rose Card | Obsidian Card |
Free ATM limit (Monthly) | €200 | €400 | €800 | €800 | €1,000 |
ATM withdrawal limit | Daily: €2,000 Monthly: €10,000 Yearly: €75,000 | Daily: €2,000 Monthly: €10,000 Yearly: €75,000 | Daily: €2,000 Monthly: €10,000 Yearly: €75,000 | Daily: €2,000 Monthly: €10,000 Yearly: €75,000 | Daily: €2,000 Monthly: €10,000 Yearly: €75,000 |
ATM withdrawal frequency | Daily: 3 Monthly: 30 Yearly: 360 | Daily: 3 Monthly: 30 Yearly: 360 | Daily: 3 Monthly: 30 Yearly: 360 | Daily: 3 Monthly: 30 Yearly: 360 | Daily: 3 Monthly: 30 Yearly: 360 |
Top Up and Transfer Limit
| Midnight Card | Ruby Card | Indigo / Jade Card | Icy / Rose Card | Obsidian Card |
Aggregated top-up limit | Daily: €25,000 Monthly: €25,000 Yearly: €250,000 | Daily: €25,000 Monthly: €25,000 Yearly: €250,000 | Daily: €25,000 Monthly: €25,000 Yearly: €250,000 | Daily: €25,000 Monthly: €25,000 Yearly: €250,000 | Daily: €25,000 Monthly: €25,000 Yearly: €250,000 |
Aggregated top-up limit with Credit / Debit Card | Daily: €25,000 Monthly: €25,000 Yearly: €250,000 | Daily: €25,000 Monthly: €25,000 Yearly: €250,000 | Daily: €25,000 Monthly: €25,000 Yearly: €250,000 | Daily: €25,000 Monthly: €25,000 Yearly: €250,000 | Daily: €25,000 Monthly: €25,000 Yearly: €250,000 |
Minimum top-up limit with Credit / Debit Card |
€20 |
€20 |
€20 |
€20 |
€20 |
Cash account to card transfer limit | Daily: €25,000 Monthly: €25,000 Yearly: €250,000 | Daily: €25,000 Monthly: €25,000 Yearly: €250,000 | Daily: €25,000 Monthly: €25,000 Yearly: €250,000 | Daily: €25,000 Monthly: €25,000 Yearly: €250,000 | Daily: €25,000 Monthly: €25,000 Yearly: €250,000 |
Crypto to card transfer limit | Daily: €25,000 Monthly: €25,000 Yearly: €250,000 | Daily: €25,000 Monthly: €25,000 Yearly: €250,000 | Daily: €25,000 Monthly: €25,000 Yearly: €250,000 | Daily: €25,000 Monthly: €25,000 Yearly: €250,000 | Daily: €25,000 Monthly: €25,000 Yearly: €250,000 |
Card to card transfer limit | Daily: €100 Monthly: €3,000 Yearly: €50,000 | Daily: €5,000 Monthly: €5,000 Yearly: €50,000 | Daily: €5,000 Monthly: €5,000 Yearly: €50,000 | Daily: €5,000 Monthly: €5,000 Yearly: €50,000 | Daily: €5,000 Monthly: €5,000 Yearly: €50,000 |
Load Frequency – All Card Tiers
Daily limit: 12
Monthly limit: 140
Yearly limit: No limit
*Please note that this is a total aggregated load frequency limit. For each top-up or transfer method, different load frequency limits may apply
All aggregated loading limits (and only them) reset on a rolling basis, while all other limits reset on a calendar basis.
The daily calendar limits reset at 00:00 GMT.
Monthly and Yearly calendar limits reset at 00:00 GMT on the first of each month/1st of January.
Monthly Spending Cap for CRO Rewards
| Basic (previously Midnight) | Plus (previously Ruby) | Pro (previously Jade/Indigo) | Private (previously Icy/Rose/Obsidian) |
Monthly Spending Cap Eligible for Rewards*
USD or the equivalent amount in other fiat currencies | N/A | Prepaid Card: $1,250 | Prepaid Card: $2,500 | Unlimited |
POS Purchase Limit (Includes All In-Store and Online Purchases) – All Card Tiers
Daily limit: €25,000
Monthly limit: €25,000
Yearly limit: €250,000
Card Max Balance – All Card Tiers
€25,000
Fees
Debit / Credit card top-up: 1%
ATM Withdrawal: 2% on amounts above the monthly free ATM limit [ATM surcharge fees charged by ATM provider (if any) will be counted towards the ATM withdrawal limit]
Close Account: €50
Card Replacement
Midnight Blue - €45.01
Other Card Tiers - €50
Card Upgrade: Waived
Physical Card Issuance:
Midnight: €4.99
Ruby: €24.99 for Level Up Plus plan monthly subscribers with less than 6 months of consecutive subscription. Free for Level Up Plus plan annual subscribers, monthly subscribers with at least 6 months of consecutive subscription, or users with an active Level Up lockup/stake
Inactivity: €5 per month of inactivity will be charged after 12 months of no cardholder-initiated financial activity on the card unless activity resumes. The fee will stop being charged and the 12 months will be reset once activity resumes. Note: Declined and refunded transactions do not constitute financial activity.
Foreign Transaction Fee: All non-EUR & GBP purchases and ATM transactions will be charged as follows for the Midnight Card (Effective 2 September 2025)
Non-EUR & GBP Purchases and ATM Transactions | Foreign Transaction % |
Within the EU and UK | 0.2% |
Outside the EU and UK | 2.0% |