It Came in Both Physical and Virtual Forms

You could get HODL Card in both physical and virtual versions, a feature only available with 30% of crypto cards. They used to mail the physical card, and you could instantly get the virtual card online after completing KYC Identity Verification.

Wondering about the perks of each card type? Here are some highlights:

Physical Card	Virtual Card
ATM Withdrawals	Second Card Number
Required for Car Rentals, Hotels	Instant Availability
Useful When Phone Dies, or no Wifi	Freeze for Safety
Backup Payment Method	Set Lower Spend Limits
Cost to Order: 10 EUR	Cost to Order: 1 EUR

The physical HODL Card was useful for in-person purchases, while the virtual card was perfect for online transactions like subscriptions.

Wallester is the card issuer used by several other crypto cards, including Bitrefill Card, Brighty Card, THORWallet Card, Fiat24 Card, and KuCoin Card.

What Was Crypto-to-EUR Conversion Cost with HODL Card?

HODL Card Required Pre-Load

Before you could use your HODL Card, you needed to top up your account. This meant you had to convert your crypto in advance, exchanging it to EUR and moving it to the card account to make it available for spending.

High Cost:Compared to the average ~1.6% crypto-to-fiat cost of other cards, converting crypto with HODL Card used to cost more (~3.65%). This means users would get less EUR for their crypto when using this card.

From all crypto cards we reviewed for Europe, WhiteBIT Card, Holyheld Card and Trade Republic Card offer the cheapest crypto-to-fiat conversions (~0.28%, ~0.5% and ~0.7% respectively), while converting crypto with OWNR Card will cost you the most, ~4.64%.

We Had Tested FideumHQ's Customer Support

We asked FideumHQ's customer support different questions, and then rated their responses to evaluate how good their support was.

Why should you Care:When users had a money-related question, like a missing deposit or being overcharged, having good support at that moment was crucial.

FideumHQ offered support via the following channels:

Chat	https://blockbank.ai/card/
Email	[email protected]

Location: FideumHQ customer service reps were located in United Kingdom, Türkiye and Philippines.^¹

Support Channel	Our Interaction	Score
Chat (replied in 1 min)	Despite the support agent using an AI-looking stock avatar, agent was an actual person, replied instantly, and gave friendly, knowledgeable responses. View Conversation	High Competence Highly Personalized Flawless English, Professional Tone 10/10
Email (replied in 17 h 47 min)	Support agent was very helpful, gave ideas how to navigate high minimums for swaps and withdrawals. View Conversation	High Competence Somewhat Personalized Flawless English, Professional Tone 9.5/10
Email (replied in 26 min)	Directly answered questions about conversion fees, no generalities or copy pasted answers. View Conversation	High Competence Somewhat Personalized Flawless English, Professional Tone 9.5/10
Email (replied in 20 h 48 min)	Nice straightforward response, to 3 questions about ATM limits and fees. Answered every question asked. View Conversation	High Competence Somewhat Personalized Flawless English, Professional Tone 9.5/10
Email (replied in 1 h 18 min)	Good initial answer to a question about cashback but didn't reply to a follow up question. View Conversation	High Competence Somewhat Personalized Flawless English, Professional Tone 9.5/10

To summarize,

Competence and Problem-Solving: FideumHQ's customer service agents were highly competent, so users could expect issues to be resolved with professional expertise and a thorough understanding.

Customer Love: FideumHQ's support responses were personalized, addressing customers by name, but typically did not include other specific account details unless requested.

Reply Speed: Response times were inconsistent, ranging from as quick as 1 minute to as slow as 21 hours.

Overall Customer Service Rating: 9.6/10

This excellent score placed FideumHQ's Customer Service well above the crypto card industry average of 7.3/10.

Alternatives to HODL Card?