Best Crypto Cards in Ghana (2026)
Compare 14+ crypto cards available in Ghana. Growing crypto adoption in West Africa, emerging fintech scene, and mobile money integration.
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Basic (Midnight Blue)
ether.fi Luxe Card
ether.fi Pinnacle Card
ether.fi VIP Card
Jupiter Global
KAST Bitcoin Black Card
KAST Bitcoin Silver Card
KAST Founders Edition
KAST K Card
KAST Solana Card
KAST Solana Gold Card
KAST Solana Illuma Card
KAST Solana Solid Gold Card
KAST X Card
MetaMask Metal Card
MetaMask Virtual Card
Plus (Ruby Steel)
Prime
Private (Icy White / Rose Gold)
Private (Obsidian)
Pro (Royal Indigo / Jade Green)
RedotPay Physical Card
RedotPay Solana Card
RedotPay Virtual Card
Tria Premium Card
Tria Signature Card
Tria Virtual Card
Xplace Gold Club Card
Xplace Platinum Club Card
Xplace Silver Club Card
Xplace Standard Card
Verified for Ghana
31 crypto cards available
Local currency: GHS
Ghanaian banks like GCB Bank, Ecobank, and Standard Chartered offer limited digital products with high fees on international transactions. Ghana's 14+ globally available crypto cards deliver up to 6% cashback and zero FX fees, providing a cost-effective alternative to traditional banking for international spending.
Ghana is one of Africa's top crypto adoption countries, driven by mobile money culture (MTN MoMo, Vodafone Cash), remittance needs, and a young tech-savvy population. The Bank of Ghana (BoG) has been exploring crypto regulation and a CBDC (e-Cedi).
| Card | Max Cashback | Annual Fee | FX Fee | Type | Best For |
|---|---|---|---|---|---|
| Crypto.com | 5% | $0 | 0% | Prepaid | Metal tiers (CRO stake) |
| KAST | 2% | $0 | 0% | Prepaid | No-fee starter card |
| Bybit | 2% | $0 | 0% | Debit | Traders with Bybit balances |
| RedotPay | 0% | $0 | 0% | Prepaid | Budget stablecoin spending |
| MetaMask | 1% | $0 | 0% | Debit | Self-custody Mastercard |
| Wirex | 8% | $0 | 0% | Debit | Highest potential cashback |
KAST is the best free starter: 2% cashback, zero fees. Ghana's mobile money culture provides a natural bridge to crypto card adoption.
Best Card For Every Need in Ghana
Top 10 Crypto Cards in Ghana
1. KAST Solana Gold Card
24K Gold Plated: 8% Points + VIP Concierge at $10,000/yr
2. KAST Solana Solid Gold Card
37g Solid Gold: The Only Solid Gold Crypto Card on the Market
3. Prime
The Apex: 8% Uncapped CRO Rewards + Private Account Manager
4. Tria Premium Card
Ultimate Web3 Luxury: 6% Cashback + Zero ATM Fees
5. KAST Bitcoin Black Card
Bitcoin Black Metal: 5% Points + 4% $MOVE at $1,000/yr
6. KAST Founders Edition
Strictly Limited: $5,000 One-Time + VIP Concierge + No Annual Fee
7. KAST Solana Illuma Card
Illuminating Metal: 5% Points + 4% $MOVE at $1,000/yr
8. KAST X Card
Chromoly Metal: 5% Points + 4% $MOVE at $1,000/yr
9. Private (Obsidian)
The Pinnacle: 5% Cashback + Private Jet Perks
10. Private (Icy White / Rose Gold)
Elite Private Status: 4% Uncapped Cashback + Guests
Crypto Card Regulation in Ghana
The BoG (Bank of Ghana) has taken a cautious but evolving stance on crypto. In 2018, the BoG issued warnings about crypto risks. However, Ghana has been exploring a CBDC (e-Cedi) and the SEC Ghana has developed a framework for digital assets.
The SEC (Securities and Exchange Commission of Ghana) published guidelines for digital asset exchanges. Crypto is not banned in Ghana, but exchanges must seek regulatory approval. The BoG's e-Cedi pilot demonstrates openness to digital currencies.
Crypto.com, KAST, and Wirex may serve Ghanaian residents under global coverage. Ghana's strong mobile money infrastructure (MTN MoMo with 15M+ users) provides a foundation for digital payment adoption.
Ghana's mobile money culture and SEC digital asset guidelines signal growing acceptance of crypto financial products.
Tax Treatment of Card Rewards in Ghana
Ghana applies income tax on crypto gains under the Income Tax Act. The GRA (Ghana Revenue Agency) treats crypto gains as income. Personal income tax rates are progressive, ranging from 0% to 35%. Capital gains tax is 15% on disposal of assets.
Example: You bought BTC at GHS 5,000 and spend GHS 15,000 through your card. Gain = GHS 10,000. Tax = GHS 1,500 (15% CGT).
Annual tax filing to the GRA is required. The tax year is the calendar year.
| Cashback Type | When Received | When Spent via Card | Total Tax Burden |
|---|---|---|---|
| BTC cashback | 15% CGT on fair value | 15% CGT on gain | Up to 15% + 15% |
| USDC cashback | ~0% (negligible gain) | ~0% | ~0% |
Fund with USDC to avoid the 15% capital gains tax. Ghana's tax enforcement on crypto is still developing, but compliance is recommended.
How to Apply from Ghana
Ghanaian crypto card applications require a Ghana Card (national ID card issued by NIA, National Identification Authority) or passport for citizens. The Ghana Card is the primary accepted ID. Foreign residents need a passport plus residence permit.
The Ghana Card number (GHA-XXXXXXXXX-X) is the primary identifier. Proof of address via utility bill (ECG electricity, Ghana Water), bank statement (GCB, Ecobank, Standard Chartered), or tenancy agreement.
Physical cards ship to Ghanaian addresses within 21-30 business days (longer shipping times for West Africa). Virtual cards are available immediately and work with mobile money integration points.
Spending Tips for Ghana
FX Savings Are Critical
Ghanaian banks charge 3-5% FX markup on international transactions. The GHS has experienced significant depreciation. Zero FX fee crypto cards save substantially on foreign-currency purchases and online shopping.
Card Selection by Use Case
- KAST (2% cashback, free): Best no-fee starter
- Crypto.com (up to 5%): Best metal tier range
- MetaMask (1%, free): Best self-custody Mastercard
- RedotPay (0%, free): Best for pure stablecoin spending
Spending Scenario: GHS 3,000/month (~$250)
| Funding Method | Annual Spend | Cashback (2%) | Tax (15%) | Net Cashback |
|---|---|---|---|---|
| BTC (appreciated 300%) | GHS 36,000 | GHS 720 | GHS 108 | GHS 612 |
| USDC (stablecoin) | GHS 36,000 | GHS 720 | ~GHS 0 | GHS 720 |
GHS 720/year covers weeks of groceries from Melcom or shoprite.
Mobile Money Bridge
Ghana's mobile money ecosystem (MTN MoMo, Vodafone Cash, AirtelTigo Money) provides a bridge to crypto card adoption. Some crypto platforms allow funding via mobile money, making the on-ramp accessible.
Local Payment Infrastructure
Card acceptance is growing: shopping malls (Accra Mall, West Hills Mall, Kumasi City Mall), supermarkets (Shoprite, Melcom, Palace), hotels, and restaurants in Accra, Kumasi, and Takoradi accept Visa/Mastercard. Mobile money (MTN MoMo) is more widely accepted than cards. Cash remains dominant at outdoor markets (Makola, Kejetia) and smaller shops.
Supported Exchanges & Wallets in Ghana
Global issuers: Crypto.com (up to 5%), KAST (2%), Wirex (up to 8%), and RedotPay may serve Ghanaian residents under global coverage. MetaMask (1%) offers self-custody spending.
Local/regional: Binance P2P is popular for GHS on-ramps. Yellow Card and other African crypto platforms serve the Ghanaian market. Quidax and similar platforms provide local exchange services.
ether.fi (3%, credit-based) offers a borrow-to-spend model. At Ghana's 15% CGT rate, keeping ETH in staking while spending borrowed funds defers the tax event.
Ghana's mobile money culture and growing crypto adoption make it West Africa's leading market for crypto financial products.
Frequently Asked Questions
What is Ghana's crypto tax rate?
15% capital gains tax on disposal of assets including crypto. Progressive income tax (0-35%) may also apply. Fund with USDC to avoid taxable gains. Tax enforcement on crypto is still developing.
Which crypto card is best for Ghana?
KAST K Card: 2% cashback, zero fees. The zero FX fee is particularly valuable given Ghana's 3-5% bank FX markup. USDC funding avoids capital gains tax.
Can I fund crypto cards with mobile money in Ghana?
Not directly. However, you can buy crypto via P2P platforms (Binance P2P, Yellow Card) using mobile money (MTN MoMo), then load your crypto card. This provides an accessible on-ramp.
Is crypto legal in Ghana?
Crypto is not banned in Ghana. The SEC has published guidelines for digital asset exchanges. The Bank of Ghana has warned about risks but is exploring a CBDC (e-Cedi). The regulatory environment is evolving.