Best Crypto Cards in Jordan (2026)

Jordan's crypto regulatory framework underwent a transformation in 2025. The Central Bank of Jordan (CBJ, al-Bank al-Markazi al-Urdunni, البنك المركزي الأردني) had banned all banks and financial institutions from dealing with cryptocurrencies since 2014, citing risks to financial stability and consumer protection. This prohibition was replaced by Law No. 14 of 2025, the Virtual Assets Transactions Regulation Law (qanun tanzim muamalat al-usul al-iftiradhiyya, قانون تنظيم معاملات الأصول الافتراضية).

The law places all virtual assets and VASPs under the regulatory oversight of the Jordan Securities Commission (JSC, Hay'at al-Awraq al-Maliyya, هيئة الأوراق المالية). Key requirements include: mandatory VASP licensing with the JSC, strict AML/CFT compliance protocols, KYC procedures for all users, segregation of client funds, and regular auditing. The Central Bank of Jordan retains authority over monetary policy and is researching a potential digital dinar (CBDC), with trials possible by 2026-2027.

Jordan's shift from outright prohibition to structured regulation makes it one of the most progressive Arab crypto markets. Licensed exchanges and card issuers can now formally serve Jordanian users under a clear legal framework.

Jordan's Income Tax Law now explicitly includes cryptocurrency as taxable property. Capital gains from crypto investments are subject to progressive tax rates up to 25%. The Income and Sales Tax Department (ISTD, Da'irat Daribat al-Dakhl wa-l-Mabi'at, دائرة ضريبة الدخل والمبيعات) administers all tax collection. All crypto transactions must be reported through designated tax forms starting January 2026. Mining and staking rewards are treated as ordinary income at fair market value when received.

Standard income tax rates for individuals are progressive: 5% on the first JOD 5,000, rising through several brackets to 25% on income above JOD 20,000. General sales tax (GST) is 16%. Corporate income tax is 20% (standard rate).

Example: You acquired BTC worth JOD 500 and it appreciated to JOD 1,500. If you spent JOD 1,500 via a crypto card, the JOD 1,000 gain would attract capital gains tax = approximately JOD 200 to JOD 250 in tax (at 20-25% rate depending on your total income bracket).

USDC funding minimizes the tax burden on the disposal side. The JOD-USD peg means USDC holds near-zero volatility against the dinar, making stablecoins particularly tax-efficient for Jordanian users. Keep detailed records of all transactions in JOD for your ISTD filings starting 2026.

Jordanian crypto card applications would require a Bitaqat Ahwal Madaniyya (Civil Status ID Card, بطاقة أحوال مدنية), the mandatory national identity card issued by the Civil Status and Passports Department (Da'irat al-Ahwal al-Madaniyya wa-l-Jawazat, دائرة الأحوال المدنية والجوازات). The card contains a national number (al-raqam al-watani, الرقم الوطني), a unique 10-digit identifier assigned to every Jordanian citizen.

Alternative identification: Jordanian passport (Jawaz al-Safar al-Urdunni, جواز السفر الأردني). Proof of address via utility bills from JEPCO (Jordan Electric Power Company), Miyahuna (Amman water utility), or bank statements from Arab Bank, Housing Bank, or Jordan Ahli Bank. Jordan's SANAD digital identity platform is being expanded for financial services verification.

Most globally available crypto card issuers should accept Jordanian passports for KYC. The country's new VASP licensing framework under the JSC will likely improve KYC interoperability with international card providers over time.

The JOD-USD Peg Advantage

Jordan's dinar has been pegged to the US dollar at approximately JOD 0.709 = $1 since 1995. This peg is Jordan's single biggest advantage for crypto card users: dollar-denominated stablecoins like USDC hold near-zero volatility against the JOD. Unlike countries with floating currencies where crypto card spending carries FX risk, Jordanian users can fund with USDC and spend in JOD with predictable value. This also means the 0% FX fee on most crypto cards translates to genuinely zero cost, not just zero markup on top of a volatile conversion.

Card Selection for Jordanians

• KAST (2% cashback, free): Best no-fee starter with GLOBAL coverage and minimal KYC
• RedotPay (3% on Solana, free virtual): Best for stablecoin spending
• MetaMask (1%, free): Best self-custody option
• Crypto.com (up to 5%): Best for those who already hold CRO

Spending Scenario: JOD 300/month (approx. $423, Jordanian Professional)

JOD 72/year (approx. $102) in cashback. The JOD-USD peg makes this one of the most predictable crypto card markets in the Middle East, with no currency conversion surprises.

Local Payment Infrastructure

Amman has strong card acceptance: malls (City Mall, Abdali Mall, Taj Mall, Mecca Mall), hotels (Four Seasons, W Amman, Fairmont, InterContinental), supermarkets (Carrefour, Safeway, Cozmo), and restaurants in Abdoun, Sweifieh, and Rainbow Street areas. JoPACC operates three national payment systems: CliQ (instant bank-to-bank transfers, JD 10.75 billion in H1 2025), eFAWATEERcom (bill payments, JD 8.89 billion), and JoMoPay (mobile wallet payments, JD 3.56 billion). Mobile wallets include ZainCash, Orange Money, Dinarak, and UWallet (Umniah). Apple Pay launched in Jordan, and Google Pay is available through select banks. Visa and Mastercard acceptance is widespread in urban areas, particularly West Amman.

Jordan's Tech Workforce

Jordan's IT sector is one of the strongest in the Arab world, with major tech companies (Maktoob/Yahoo, Aramax, Mawdoo3) originating here. The country's young population (65% under 30) and high internet penetration (over 85%) create a natural audience for crypto financial products, now supported by the 2025 legal framework.

Global issuers: Crypto.com (up to 5%), KAST (2%), Wirex (up to 8%), and RedotPay list global coverage. MetaMask (1%) offers self-custody spending. Jordan's new VASP licensing framework means these issuers could formally apply to serve the Jordanian market.

Who operates: Binance is accessible to Jordanian users, offering JOD pairs through P2P. Rain Financial (Bahrain-based, MENA-focused) serves Jordanian users with fiat on-ramp support. BitOasis (Dubai-based) has historically served the Jordanian market. With the 2025 Virtual Assets Law, international exchanges are expected to seek JSC licensing to formally operate.

Local landscape: Jordan's fintech ecosystem is growing rapidly, but no major domestic crypto exchange has launched yet. The JSC's licensing framework creates the first pathway for formal exchange operations. P2P trading through Binance, local Telegram groups, and informal OTC channels has served the community to date. Banks (Arab Bank, Housing Bank, Jordan Ahli Bank) have not offered crypto services but may explore partnerships with licensed VASPs.

ether.fi (3%, credit-based) offers a borrow-to-spend model via staking yield, suitable for Jordanians with existing crypto holdings.

Jordan's Virtual Assets Transactions Regulation Law (2025) positions it alongside Bahrain and the UAE as one of the three most regulated crypto markets in the Arab world. The JSC licensing framework, combined with the JOD-USD peg and growing digital payments infrastructure, makes Jordan one of the most promising MENA markets for crypto card adoption.