List of 17 Crypto Cards for Europeans

Most crypto cards available in Europe and the UK are debit cards, which are linked to a cryptocurrency account and can be used anywhere Visa or Mastercard is accepted.

Every card is denominated in a single Fiat currency (like EUR or GBP).

Your card provider either converts the required amount of your crypto into Fiat at the time of purchase, or you may need to top-up your card in advance.

You can have multiple crypto balances on your card account. Most companies have a predefined priority by which they determine which crypto to sell first, or they allow you to fund your card manually by selecting which crypto to use.

If you are using the card in a country where the currency is not EUR or GBP, you will have to pay Foreign Exchange Fees (around 1-3%), on top of crypto-to-fiat conversion fees (0.5%-1.5%). Some cards have lower fees than others. See our full cards list here.

Most lucky countries are Belgium, Bulgaria, Denmark, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Poland, Portugal, Slovakia, Slovenia, Spain, and Sweden – since they have the most selection of Crypto Debit Cards available to them.

Take a look at the list below to select the best option for you.

Nexo Card
Credit Card, Debit Card - Denominated in:Base: EUR
Monthly Fee:
0.00 EUR
Inactivity Fee:
0.00 EUR
Foreign Exch Fee:
0.5%
Daily Spend Limit:
10,000 EUR
Daily ATM Limit:
2,000 EUR
Cashback:
up to 2%
Apple Pay:
Enabled
Company Strength
8.5
Fee Structure
9.4
Customer Service
8.6
PROS:
  • Enjoy up to €20,000 in FREE foreign transactions, based on loyalty tier
  • Generous ATM withdrawals up to €10,000 monthly
  • Your crypto acts as collateral only, you do not actually sell it
  • Amazing card overall
CONS:
  • No cons, except credit card interest if unpaid within a month
▼ Show More
Crypto Supported:
63 cryptocurrencies
Countries Supported:
Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden
Ledger CL Card [EU]
Prepaid Card - Denominated in:Base: EUR, GBP
Monthly Fee:
0.00 EUR
Inactivity Fee:
0.00 EUR
Foreign Exch Fee:
1.5%
Daily Spend Limit:
15,000 EUR
Daily ATM Limit:
2,000 EUR
Cashback:
up to 2%
Apple Pay:
Enabled
Company Strength
9
Fee Structure
7.2
Customer Service
8.8
PROS:
  • Great customer service
  • Generous daily spend limit
  • Solid well-known company
  • Auto-converts your crypto, no top-ups
CONS:
  • Supports only 8 coins
  • No free ATM withdrawals
▼ Show More
Crypto Supported:
8 cryptocurrencies
Countries Supported:
Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, United Kingdom
Revolut Card [EU]
Debit Card - Denominated in:Base: EUR, GBP
Monthly Fee:
0.00 EUR
Inactivity Fee:
0.00 EUR
Foreign Exch Fee:
1%
Daily Spend Limit:
Unlimited
Daily ATM Limit:
3,000 EUR
Crypto to Fiat Fee:
1.49%
Cashback:
up to 1%
Apple Pay:
Enabled
Company Strength
9.5
Fee Structure
5.4
Customer Service
9.7
PROS:
  • Unlimited daily spend
  • Generous ATM withdrawal limit
  • Card Design you'll want to show off
CONS:
  • Tiny 0.1% cashback for transactions in Europe
  • No rewards for the free tier
▼ Show More
Crypto Supported:
120 cryptocurrencies
Countries Supported:
Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, United Kingdom
Bybit Card
Debit Card - Denominated in:Base: EUR, GBP
Monthly Fee:
0.00 EUR
Inactivity Fee:
0.00 EUR
Foreign Exch Fee:
0.5%
Daily Spend Limit:
5,000 EUR
Daily ATM Limit:
2,000 EUR
Crypto to Fiat Fee:
0.9%
Cashback:
up to 10%
Apple Pay:
Not Enabled
Company Strength
10
Fee Structure
8.4
Customer Service
5.8
PROS:
  • Strong company
  • Low foreign exchange fees
CONS:
  • High cashback offered only for multi-million dollar accounts
  • Poor customer service
▼ Show More
Crypto Supported:
8 cryptocurrencies
Countries Supported:
Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Switzerland, United Kingdom
xPortal Card
Prepaid Card - Denominated in:Base: EUR
Monthly Fee:
0.00 EUR
Inactivity Fee:
0.00 EUR
Foreign Exch Fee:
0.5%
Daily Spend Limit:
5,000 EUR
Daily ATM Limit:
500 EUR
Cashback:
up to 5%
Apple Pay:
Not Enabled
Company Strength
6
Fee Structure
8
Customer Service
8.8
PROS:
  • Beautiful intuitive app interface
  • Large active community
CONS:
  • No Apple Pay yet
  • No cashback without staking
▼ Show More
Crypto Supported:
1 cryptocurrency
Countries Supported:
Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden
Holyheld Card
Debit Card - Denominated in:Base: EUR
Monthly Fee:
0.00 EUR
Inactivity Fee:
1.00 EUR
Foreign Exch Fee:
0%
Daily Spend Limit:
10,000 EUR
Daily ATM Limit:
5,000 EUR
Crypto to Fiat Fee:
0%
Cashback:
up to 1%
Apple Pay:
Enabled
Company Strength
4
Fee Structure
8.8
Customer Service
9.2
PROS:
  • Non-custodial, you own your assets
  • No Gas Fees for top-ups
  • Generous ATM withdrawal allowance
CONS:
  • Less known company
▼ Show More
Crypto Supported:
1201 cryptocurrencies
Countries Supported:
Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden
Bitpanda Card
Debit Card - Denominated in:Base: EUR
Monthly Fee:
0.00 EUR
Inactivity Fee:
0.00 EUR
Foreign Exch Fee:
2.5%
Daily Spend Limit:
10,000 EUR
Daily ATM Limit:
350 EUR
Crypto to Fiat Fee:
1.49%
Cashback:
up to 2%
Apple Pay:
Enabled
Company Strength
9
Fee Structure
3.8
Customer Service
8.5
PROS:
  • Instant crypto-to-EUR conversion at purchase, no preload
  • Generous Daily ATM withdrawal limit
  • Popular company with great customer service
CONS:
  • Higher basic tier taker fees (0.25%) than Binance (0.10%) and Crypto.com (0.075%)
▼ Show More
Crypto Supported:
242 cryptocurrencies
Countries Supported:
Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden
Coinbase Card [EU]
Debit Card - Denominated in:Base: EUR
Monthly Fee:
0.00 EUR
Inactivity Fee:
0.00 EUR
Foreign Exch Fee:
2.49%
Daily Spend Limit:
2,500 EUR
Daily ATM Limit:
1,000 EUR
Crypto to Fiat Fee:
~2.5%
Cashback:
None
Apple Pay:
Not Enabled
Company Strength
10
Fee Structure
3.4
Customer Service
7.9
PROS:
  • Strong, high-authority company
  • Popular card
CONS:
  • No Apple Pay for EU
  • Does not have 3D security feature
▼ Show More
Crypto Supported:
235 cryptocurrencies
Countries Supported:
Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, United Kingdom
Gate Card
Prepaid Card - Denominated in:Base: EUR
Monthly Fee:
0.00 EUR
Inactivity Fee:
2.00 EUR
Foreign Exch Fee:
2%
Daily Spend Limit:
10,000 EUR
Daily ATM Limit:
1,000 EUR
Cashback:
1%
Apple Pay:
Not Enabled
Company Strength
10
Fee Structure
7
Customer Service
3.9
PROS:
  • Generous Daily Spend Limit
  • 1800+ Supported Cryptocurrencies
CONS:
  • No Apple Pay
  • Poor Customer Service
▼ Show More
Crypto Supported:
1884 cryptocurrencies
Countries Supported:
Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, Greece, Hungary, Iceland, Ireland, Latvia, Liechtenstein, Luxembourg, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden
Gnosis Card
Debit Card - Denominated in:Base: EUR, GBP
Monthly Fee:
0.00 EUR
Inactivity Fee:
0.00 EUR
Foreign Exch Fee:
0%
Daily Spend Limit:
8,000 EUR
Daily ATM Limit:
500 EUR
Crypto to Fiat Fee:
0%
Cashback:
None
Apple Pay:
Not Enabled
Company Strength
3
Fee Structure
8.2
Customer Service
9.8
PROS:
  • No crypto-to-fiat conversion fee
  • No foreign exchange fee
  • Self-custodial (connect your own wallet)
CONS:
  • No Apple Pay
  • No Cashback
  • Supports only 2 coins
▼ Show More
Crypto Supported:
2 cryptocurrencies
Countries Supported:
Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Switzerland, United Kingdom
KuCoin Card
Debit Card - Denominated in:Base: EUR
Monthly Fee:
0.83 EUR
Inactivity Fee:
0.00 EUR
Foreign Exch Fee:
2%
Daily Spend Limit:
20,000 EUR
Daily ATM Limit:
700 EUR
Crypto to Fiat Fee:
0%
Cashback:
None
Apple Pay:
Enabled
Company Strength
9.5
Fee Structure
6.2
Customer Service
5
PROS:
  • Apple Pay is enabled
  • Popular Exchange = convenience of exchange + card in one place
CONS:
  • No cashback yet
  • Poor customer service
▼ Show More
Crypto Supported:
6 cryptocurrencies
Countries Supported:
Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Spain, Sweden
SpectroCoin Card
Debit Card - Denominated in:Base: EUR
Monthly Fee:
1.15 EUR
Inactivity Fee:
0.00 EUR
Foreign Exch Fee:
1%
Daily Spend Limit:
25,000 EUR
Daily ATM Limit:
2,500 EUR
Crypto to Fiat Fee:
0%
Cashback:
None
Apple Pay:
Enabled
Company Strength
6
Fee Structure
6.6
Customer Service
7.4
PROS:
  • Generous Daily Spend Limit
  • Included IBAN account in your name
  • Always available Live Chat Agent on website
CONS:
  • No Cashback
▼ Show More
Crypto Supported:
54 cryptocurrencies
Countries Supported:
Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden
WhiteBIT Card [EU]
Prepaid Card - Denominated in:Base: EUR
Monthly Fee:
2.30 EUR
Inactivity Fee:
0.00 EUR
Foreign Exch Fee:
0%
Daily Spend Limit:
2,750 EUR
Daily ATM Limit:
1,350 EUR
Cashback:
None
Apple Pay:
Enabled
Company Strength
7.7
Fee Structure
6.6
Customer Service
5.9
PROS:
  • Fantastic Crypto to Fiat Exchange rates
  • WhiteBIT is a well-known exchange
CONS:
  • Virtual-only card, so no ATM withdrawals
  • Poor customer service
▼ Show More
Crypto Supported:
271 cryptocurrencies
Countries Supported:
Austria, Belgium, Bosnia-Herzegovina, Bulgaria, Croatia, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Lithuania, Macedonia, Moldova, Montenegro, Netherlands, Norway, Poland, Portugal, Romania, San Marino, Serbia, Slovakia, Slovenia, Sweden, United Kingdom
MEXC Card
Prepaid Card - Denominated in:Base: EUR
Monthly Fee:
0.00 EUR
Inactivity Fee:
0.00 EUR
Foreign Exch Fee:
2%
Daily Spend Limit:
3,000 EUR
Daily ATM Limit:
N/A (Virtual-Only Card)
Cashback:
None
Apple Pay:
Not Enabled
Company Strength
9
Fee Structure
5
Customer Service
5.5
PROS:
  • Connected to a large exchange
  • Nice new user bonuses
CONS:
  • Virtual-only card
  • No Apple Pay
  • No cashback
▼ Show More
Crypto Supported:
1 cryptocurrency
Countries Supported:
Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Lithuania, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Switzerland
Tap Card
Prepaid Card - Denominated in:Base: EUR
Monthly Fee:
0.00 EUR
Inactivity Fee:
3.00 EUR
Foreign Exch Fee:
1.5%
Daily Spend Limit:
5,000 EUR
Daily ATM Limit:
400 EUR
Cashback:
None
Apple Pay:
Not Enabled
Company Strength
6
Fee Structure
4.4
Customer Service
8.8
PROS:
  • Simple & Intuitive App Interface
  • 40+ Cryptocurrencies Supported
CONS:
  • Apple Pay Not Enabled
  • No Cashback Rewards
▼ Show More
Crypto Supported:
46 cryptocurrencies
Countries Supported:
Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Scotland, Slovakia, Slovenia, Spain, Sweden, United Kingdom, Wales
Kinesis Card [EU]
Prepaid Card - Denominated in:Base: EUR
Monthly Fee:
0.00 EUR
Inactivity Fee:
0.00 EUR
Foreign Exch Fee:
1%
Daily Spend Limit:
15,000 EUR
Daily ATM Limit:
N/A (Virtual-Only Card)
Cashback:
None
Apple Pay:
Not Enabled
Company Strength
7
Fee Structure
4.6
Customer Service
7.6
PROS:
  • Every customer gets a dedicated account manager
  • Auto-converts crypto to fiat on every purchase
CONS:
  • Virtual-only card, no physical version, which means no ATM withdrawals
  • No Apple Pay either, so online-only purchases
▼ Show More
Crypto Supported:
14 cryptocurrencies
Countries Supported:
Argentina, Australia, Austria, Belgium, Brazil, Bulgaria, Chile, Colombia, Costa Rica, Croatia, Cyprus, Czech Republic, Denmark, Ecuador, Estonia, Fiji, Finland, France, Germany, Greece, Guatemala, Hungary, Ireland, Italy, Kiribati, Latvia, Lithuania, Luxembourg, Malta, Marshall Islands, Mexico, Micronesia, Nauru, Netherlands, New Zealand, Nicaragua, Palau, Panama, Papua New Guinea, Peru, Poland, Portugal, Puerto Rico, Romania, Samoa, Scotland, Slovakia, Slovenia, Solomon Islands, Spain, Sweden, Tonga, United Kingdom, Uruguay, Wales
COCA Card
Prepaid Card - Denominated in:Base: EUR
Monthly Fee:
0.00 EUR
Inactivity Fee:
5.00 EUR
Foreign Exch Fee:
0%
Daily Spend Limit:
30,000 EUR
Daily ATM Limit:
N/A (Virtual-Only Card)
Cashback:
None
Apple Pay:
Not Enabled
Company Strength
3
Fee Structure
7.4
Customer Service
8.5
PROS:
  • Non-custodial, you control your assets
  • Generous daily spend limit
CONS:
  • Virtual-only card with no Apple Pay
  • Can only be used for online payments
  • Only 2 cryptocurrencies supported
▼ Show More
Crypto Supported:
4 cryptocurrencies
Countries Supported:
Australia, Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hong Kong, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, New Zealand, Norway, Philippines, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Taiwan

Do Crypto Cards Have Any Hidden Fees?

Some fees are implied, and not mentioned anywhere. For example, an additional Foreign Exchange Fee charged by Visa or Mastercard.

Visa and Mastercard charge a 1% Foreign Exchange Fee, in addition to your card provider’s FX fee. Some cards, like Wirex Card, do not charge Foreign Exchange Fees. But Mastercard or Visa will still charge you 1% on every foreign transaction.

Another ‘hidden’ / unexpected fee, could be a card inactivity fee, or a monthly maintenance fee charged on a low balance. Crypto.com Card and Cryptopay Card have a 5 EUR inactivity fee, for example. These fees are usually disclosed in the Cardholder Agreement. So before you click the SignUp button, make sure to skim through the list of fees to make sure there aren’t any gotchas.

Workaround to Use Apple Pay Even if Card Doesn’t Offer it

If your card hasn’t integrated with Apple Pay yet, you can use a nice workaround, via the Curve app. It is a very popular app, where you can add all your credit and debit cards, and then use a single unified card, Curve Card, to do all your spending. Curve Card is enabled for Apple Pay, so you can add your Bybit Card or Wirex Card to Curve first and then add Curve Card to Apple Pay. No additional fees for using it this way within the EU. Voila.

What’s the Difference Between a Crypto Debit Card and a Crypto Credit Card?

With a crypto debit card, you need to convert your crypto to Fiat either by preloading the card in advance or it gets auto-converted for you at the time of purchase when using the card.

With a crypto credit card, you do not actually sell or convert your crypto – instead, your crypto assets are used as collateral. That means you can spend Fiat currency on your credit card as you would on a normal credit card, up to the crypto value of your assets.

Any Gotchas?

There is one other important fee to consider before you make your final choice.

If you plan to buy crypto on the same platform that offers you a crypto card, you should be aware of the trading fee % and the spread %, since those can vary significantly between the exchanges.

Here is a summary of Crypto Selling fees for some of our top Crypto Card Providers:

Platform TypeTrading FeeSell SpreadTotal Crypto to Fiat Conversion Fee

Nexo Card
Wallet &
Exchange
0%
0.20%
1%
0%
1%
0.20%

Bitpanda Card
Wallet &
Exchange
0%
0.25%
1.49%
0.05%
1.49%
0.30%

Wirex Card
Wallet &
Exchange
0%
0.20%
9.50%
0.02%
9.50%
0.22%

Coinbase Card
Wallet &
Exchange
1.5%
0.60%
0.04%
0.01%
1.54%
0.61%

Crypto.com Card
Wallet & Exchange0%
0.075%
1.60%
0.01%
1.60%
0.085%

I am now confused, my card provider is both a wallet and an exchange. Which fees will I pay?

Crypto.com has two mobile apps, one is called Crypto.com (that’s the wallet) and the other is called Crypto.com Exchange. The same is the case with Coinbase, the mobile app Coinbase is a wallet, and the app Coinbase Pro is the exchange. This is a typical case with the other providers.

If the platform you chose offers both a wallet and an exchange, then you will be seeing much higher trading fees on their wallet counterpart.

The lesson here is for you to not forget to first do your trading on the exchange side, and only after that transfer over the crypto to the wallet and load the crypto card. You will be able to transfer your crypto from exchange to wallet within the same provider without additional transaction fees, so that’s a nice plus.

Our Recommendation to Make Your Choice Easier

Here are our Top 3 crypto card picks:

  1. Nexo Card is the absolute winner, just because it is a credit card, and the rest of the cards on the above list are debit cards. This means you can build your credit, you never need to sell your crypto (it is only used as collateral), and Nexo is very generous with card limits and rewards. A great card overall.
  2. In terms of fees, company strength, ease of use, and card rewards, the winner is Crypto.com Card. It has many nice upgrade options to a better card tier, which you can do with time. The best part is, it has really low trading fees on Crypto.com Exchange.
  3. Bybit Card is a fantastic option as well, with low fees on the card, but it doesn’t offer Apple Pay yet, so you’ll have to use the Curve app as a workaround (described above).

Go with the exchange that you enjoy using the most since it will be the most convenient for you.

Paulina Masson

Paulina Masson

Paulina has a strong background in finance and cryptocurrency. She's been involved with crypto since its early days and has observed its progression over the years. Notably, she possesses expertise in various crypto products, having personally tested and evaluated many of them. In her spare time, she is developing a crypto bot designed to automatically trade on short timeframes.

⭑cryptonoshi
Logo
Compare items
  • Total (0)
Compare
0