Tap into your crypto wealth with the Ritchi Card.

Spend without selling your digital assets and get up to 2% crypto cashback.
4.9
1K+ reviews
Operating

since 2018

Personalized

client care 24/7

Assets under management

$11+ billion

Operating

since 2018

Personalized

client care 24/7

Assets under management

$11+ billion

Switch between Debit and Credit with a single tap.

Activate your virtual card and start spending right away. Join our Loyalty Program and unlock a sleek physical card, crypto cashback on purchases, and lower borrow rates with an account balance above $5,000.

Earn up to 14% annual interest on your balance and have it ready to spend at all times.

Spend stablecoins or crypto prioritizing which assets to use first with a simple drag and drop.

Spend any supported asset, while enjoying an ever-growing list of new currencies.

Get up to 2% in crypto cashback on purchases. You'll also be earning interest on assets not used as collateral.

Grow your buying power with crypto-backed Credit Lines starting from 2.9% interest.

Finance all your spending needs without selling any of your digital assets.

Travel and lifestyle.

Use your wealth worldwide

Make payments at over 100 million merchants globally.

Get crypto cashback

Get up to $200 crypto cashback per month for Credit Mode spending.

Withdraw at no charge

Enjoy up to €2,000 in free ATM withdrawals per month.

Cover daily expenses with the award-winning Ritchi Card.

The Ritchi Card is recognized time and again for redefining how digital assets are used in everyday spending. This recognition includes both the FinTech Breakthrough Awards’ Consumer Payments Innovation Award for 2024 and INATBA’s Most Exciting Payments Solution of 2025.

Skip the wait and start spending right away.

Forget about delivery times. Activate your virtual card with just a tap and start making purchases.

Spend with peace of mind.

Manage your Ritchi Card in real time with just a few taps.

Freeze your card instantly if you lose it.

Change PIN at any time.

Stay in control with notifications for every transaction.

How to activate your Ritchi Card.

1. Open the Ritchi app

Download, launch the app, and hit the 'Card' tab.

2. Activate virtual card

Tap 'Activate Card' to issue your virtual card.

3. Add it to your digital wallet

Choose 'Add to Wallet', follow the instructions, and spend with Apple Pay or Google Pay right away.

4. Order a physical card

On the 'Card' tab, select 'Order card', confirm your details, and tap 'Confirm'.

Frequently asked questions.

Creating your Ritchi account is quick and straightforward.

Simply sign up, confirm your email, and complete a fast identity check. Once verified, you’ll be ready to start building wealth with Ritchi.

You can learn about the process in detail here.

After you create your account, you need to buy or transfer crypto, opt in for interest earning via the Ritchi app, and maintain an account balance above $5,000 worth of digital assets. Once that’s done, you’ll be earning daily interest on your digital assets with our Flexible Savings offering.

To start earning interest, clients in certain jurisdictions must proactively opt-in for the service in their Ritchi account.

Ritchi offers over 100 cryptocurrencies, including Bitcoin, Ethereum,
Solana, and USDC—all accessible through flexible payment options.

Choose between Apple Pay, Google Pay, bank transfers, or bank
cards, and purchase digital assets in the way that suits you best.

View the full list of assets here.

Once you buy or top up crypto, you can immediately access your
Credit Line to borrow funds—either sent to your bank account
or your Ritchi account in the form of stablecoins.

Visit our Help Center for more detailed information.

Driving the next generation of wealth.

Ritchi is built for pioneers ready to leverage blockchain technology for wealth generation. Create your account today and get started.
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Utilize the entire Ritchi ecosystem to grow your wealth.

Earn daily compound interest on your digital assets.

Borrow funds without selling your assets.

Swap over 100 digital assets seamlessly with a tap.

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Grow your savings

Let your assets work passively or use active strategies for high-yield returns.

Earn daily compound interest with Flexible Savings

Build your wealth with daily compound interest while keeping your funds available anytime.

Earn higher rates for longer with Fixed-term Savings

Earn more for a specific time period and achieve your long-term savings goals.

Earn high yield with
 Dual Investment

Use short or mid-term strategies to buy low and sell high. Earn yield while waiting for your target buy or sell conditions to be met.

Our annual savings rates for supported digital assets.

Up to 7%

On BTC

Up to 8%

On ETH

Up to 12%

On NEXO

Up to 16%

On USDT

Up to 8%

On SOL

Up to 15%

On GBPx

Up to 15%

On USDx

Up to 15%

On EURx