2 Fast Ways To Top Up Your Crypto.com Visa Card In Singapore

How To Top Up MCO Card Singapore

Last updated on June 6th, 2021

You’ve just received and activated your Crypto.com Visa card. However, how do you go about topping it up?

Here is a complete guide on how to top up your Crypto.com Visa card in Singapore.

How to top up your MCO Card in Singapore

To top up your Crypto.com Visa Card, you will need to go to ‘Card → Top Up‘.

MCO Visa Card Top Up

This will bring you to the Top Up page.

MCO Visa Card Top Up Select Options

There are 2 methods which you are able to top up your MCO card:

  1. Credit or debit card
  2. Cryptocurrency

1. Credit or debit card

Here are the debit and credit cards that you can use to top up your MCO card:

Card TypeAvailable Networks
Credit CardMastercard
Debit CardMaestro
(Mastercard network)
Visa Electron
(Visa network)

Previously, there was some issues with using a Mastercard to top up your MCO card. However, I believe that this issue has already been resolved.

The minimum top up for the MCO card is $20.

MCO Visa Card Minimum Top Up

If your MCO Visa card is issued in Singapore, you can only top up in SGD. However, you are able to exchange your SGD to 6 other currencies that are also offered by the MCO Visa Card:

  1. USD
  2. EUR
  3. GBP
  4. AUD
  5. JPY
  6. HKD

Look out for fees

Certain banks may charge you a fee when you are topping up your MCO card using their cards. For example, I was charged a 1% fee when I topped up $20 using my JumpStart debit card.

MCO Top Up Incurred A Fee

According to this Telegram group, there may be some issues when you top up with a bank credit or debit card.

MCO Multi Currency Card To Top Up

OTP confirmation

After selecting the amount to top up, you will usually be asked to input an OTP. After this, your money will be topped up into your MCO’s wallet.

MCO Visa Card Top Up Using Cash

Some issues with top up

There may be some issues with topping up your card from time to time.

MCO Visa Card Issues

This can be rather disruptive when you are trying to top up your card before making a purchase.

What cards work with the Crypto.com Visa card?

If you use debit cards that are linked to your bank account, you would most likely be charged a fee.

As such, here are some possible debit cards that you can top up your Visa card without incurring any fees:

  1. BigPay
  2. SingLife debit card
  3. Revolut
  4. YouTrip

I personally use the BigPay card, as I can get BIG points with each top up.

If you spend more than $500, you can choose to use the SingLife debit card. This helps you to take advantage of their Save, Spend and Earn program.

2. Cryptocurrency

You are also able to convert your crypto holdings into fiat currency to spend on your card! There are 4 cryptocurrencies that you can top up your MCO card with. This includes:

  1. BTC
  2. ETH
  3. LTC
  4. XRP

The minimum amount to top up your MCO card depends on the cryptocurrency you’re using.

CryptocurrencyMinimum Amount
MCO Visa Card BTC Top Up

Exchange rate will be locked for 15 seconds

When you want to sell your crypto for fiat currency, the exchange rate will be locked for 15 seconds. Once you’ve exceeded the 15 seconds, you will have to trade at the current exchange rate again.

CRO cannot be used to top up your MCO card directly

You may have noticed that the CRO that you earn as cashback cannot be topped up immediately to your MCO card.

MCO Visa Card Cashback

One workaround you can use is to trade your CRO into one of the 4 currencies above.

MCO Visa Card Sell CRO To BTC

However, the prices of cryptocurrencies fluctuate a lot. Here is the comparison of the exchange rate between CRO and BTC.

CRO and BTC Exchange Rate
Source: CoinGecko

As such, you may lose some of your CRO’s value when you are carrying out the trade.

Another thing you may want to note is that you will need a minimum of 140 CRO to conduct any trade.

MCO Visa Card Trade CRO To BTC Minimum Limit

Alternatively, you can earn extra interest with your crypto using Crypto Earn.

No fees are charged when topping up using cryptocurrency

You will not incur any fees when you top up your MCO Visa Card using cryptocurrency. As such, this may be a more cost effective way to top up your card.

Crypto.com wants you to keep your money in their ecosystem

Similar to Razer Pay, you are unable to withdraw the cash that you’ve topped up to your MCO card.

This means that your money is locked into Crypto.com’s ecosystem. As such, you have no choice but to use their card to make payments.

This could be the reason why they do not charge any fees when you are exchanging crypto to fiat currency!

Other mobile wallets like GrabPay and Singtel Dash allow you to withdraw your money from the wallet. However, you’ll need to meet certain requirements first before you can do so!

Top up limits for your MCO card

The MCO card is regulated by the MAS under the Payment Services Act. As such, they have placed a limit of $5,000 that you can have in any mobile wallet. Your MCO card wallet will be regulated under this Act as well.

This limit is on your MCO card wallet, and does not affect your Crypto.com wallet. Another thing you may want to note is that this $5,000 limit is inclusive of your non-SGD fiat currencies as well.

Basically, the MAS is trying to regulate the amount of fiat currency you have in the MCO card.


There are 2 main ways which you can top up your MCO Visa Card in Singapore: via debit / credit card or cryptocurrency. Topping up via cryptocurrency may reduce some fees that you may incur with debit or credit card top up.

However with crypto prices being so volatile, you may not top up the amount you intended to.

Another thing that you may want to take note of is the top up limit for your MCO card. You can only have a maximum of $5,000 in your MCO card wallet, inclusive of your non-SGD fiat currencies as well.

👉🏻 Referral Deals

If you are interested in signing up for any of the products mentioned above, you can check them out below!

Crypto.com Visa Card Referral (Get $25 USD worth of CRO)

If you are interested in signing up for the Crypto.com Visa Card, you can use my referral link. We will both receive $25 USD worth of CRO in our Crypto Wallet.

Crypto.com Referral

Here’s what you’ll need to do:

  1. Sign up for a Crypto.com account
  2. Enter my referral code: ‘x2kfzusxq6
  3. Sign up for at least a Crypto.com Ruby Steel Card

You can read more about the referral program on Crypto.com’s website.

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