#32 (out of 41) in Crypto Cards
#28 (out of 32) in Crypto Cards for Europe
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Overall Rating
Company Strength
Fee Structure
Customer Service
  • Unlimited daily spend
  • Instantly available chat support agents
  • No Apple Pay
  • Rigorous KYC upfront, before seeing the app
Visa or MC
Debit or Credit

Debit Card

Denominated In€ EUR
Apple PayNot Enabled
Monthly Fee

0.00 EUR

Monthly Inactivity Fee

15.00 EUR

Crypto to EUR Crypto->EUR Conversion Cost


Highest Cashback

up to 0.5%

Entry-Level Cashback


Entry-Level Cashback Monthly Cap

100 EUR

Daily Spending Limit


Daily ATM Withdrawal Limit

5,000 EUR

Foreign Exchange Fee


Crypto to Fiat Conversion

Manual when Preloading

Supported CountriesShow All (30)
Supported CryptocurrenciesBTCETHUSDT
Your Blackcatcard: Unlimited daily spending with a playful design

Your Blackcatcard: Unlimited daily spending with a playful design

Blackcatcard Benefits and Rewards

Blackcatcard offers cashback of up to 2% on Amazon purchases OR up to 0.5% on all purchases. You can choose one of the three cashback options:

Option 1 Option 2 ( ) Option 3
Cashback 0.1% 0.5% 2% Amazon Purchases, 0% Others
Requirements Min 50 EUR Monthly Spend 300+ EUR Monthly Account Balance
Monthly Cashback Cap 100 EUR Unlimited 50 EUR

There are alternative rewards options, like annualized interest on your monthly account balance:

  •      Either 2.2% per annum with no requirements,
  •      or 4% per annum with a 300+ EUR monthly account balance.

Not so Great: Annual interest rewards may seem less appealing as they yield just 1.83 EUR to 3.33 EUR per month with a constant 1,000 EUR account balance.

Blackcatcard is a Debit Card

  • Debit Card
  • Credit Card
  • Prepaid Card
  • MT88 8888 8888 8888 8888
  • Malta flag IBAN Bank Account
  • in your name

With Blackcatcard, you'll get a true debit card experience, directly connected to a bank account. You'll receive a Malta-based IBAN bank account number issued in your name, and any funds you deposit into your account will become immediately available for spending on your card.

Useful:Some crypto card companies only allow fiat deposits from accounts that are directly in your name. With Blackcatcard, third party senders are able to deposit funds into your bank account, which means you can receive fiat withdrawals from exchanges or receive salary payments.

It Comes in Both Physical and Virtual Forms

You can get Blackcatcard in either a physical or virtual version. The virtual card is instantly available online after completing KYC Identity Verification. Applying for and activating a physical card will replace the virtual one.

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

Physical Card
Virtual Card
ATM WithdrawalsNo ATM Withdrawals
Required for Car Rentals, HotelsNo Tangible Asset
Useful When Phone Dies, or no WifiNo Apple Pay, Online Use Only
Backup Payment MethodInstant Availability

Get the Physical Card:Since Blackcatcard doesn't support Apple Pay, the virtual card is only good for online shopping and subscriptions like Netflix. It is a much better choice to get the physical card, so you could use the card both online and in real life.

Crypto-to-EUR Conversion Cost with Blackcatcard

Blackcatcard Requires Pre-Load

Before you can use your Blackcatcard, you will need to top-up your account. This means you will have to convert your crypto in advance, exchanging it to EUR and moving it to the card account, to make it available for spending.

Crypto to Fiat Conversion Fee0%
Sell Spread~2.1%
Load Fee0%
Transaction Fee
Total Crypto to EUR Cost~2.1%

Reality Check:Compared to the average ~1.7% crypto-to-fiat cost of other cards, converting crypto with Blackcatcard will cost you about the same (~2.1%).

From all crypto cards we reviewed for Europe, WhiteBIT Card, Holyheld Card and Nexo Card offer the cheapest crypto-to-fiat conversions (~0.28%, ~0.5% and ~0.75% respectively), while converting crypto with OWNR Card will cost you the most, ~4.64%.

How Does Blackcatcard Compare to Other Crypto Cards?

Blackcatcard ranks #28 out of 32 amongst similar crypto cards. This means it's one of the bottom 20%. But don't rush to judge, our rating is based on company strength, fee structure and customer service - if this card supports your country while others don't, or you use their other services, this card may still be a good choice for you.

While we have a total of 41 cards listed in our Crypto Cards category, only 31 are comparable to Blackcatcard, since they are available for customers in the same geographical region.

Strongest Features Against Competitors

Here are the strongest features of Blackcatcard against its 31 competitors :

  • Offers up to 100 EUR per month in cashback for entry-level users (exceeding the competitors' 35 EUR average).
  • Has Unlimited daily spend allowance, a rarity in the industry (other cards have 9,500 EUR limit on average).
  • Provides a substantial ATM widthdrawal allowance of 5,000 EUR per day (average amongst other cards is only 850 EUR).

Weakest Features Against Competitors

Compared to its 31 competitors, here are the shortcomings of Blackcatcard:

  • Apple Pay isn't enabled (while 50% of competing crypto cards have it).
  • Offers up to 0.5% cashback (while other cards give an average of 4%).
  • Has a Foreign Exchange Fee of 3% (other cards have 1.5% average).
  • Less-known company with a 3/10 company strength score (the average for all competing cards is 6/10).
  • Requires preconversion of crypto to load the card (while 30% of competitors auto-convert on every purchase).
  • Blackcatcard vs. HyperCard vs. Nexo Card

    Nexo Card
    Monthly Fee 0.00 EUR 1.00 EUR 0.00 EUR
    Crypto to Fiat Cost ~2.1% ~2.6% ~0.75%
    Highest Cashback up to 0.5% None up to 2%
    Entry-Level Cashback 0.1% None 0.5%
    Daily Spending Limit Unlimited 10,000 EUR 10,000 EUR
    Daily ATM Limit 5,000 EUR N/A (Virtual-Only Card) 2,000 EUR
    Foreign Exchange Fee 3% 1% 0.5%
    Availability for United States flagUnited States
    Supported Cryptocurrencies 3 25 63
    Apple Pay Not Enabled Not Enabled Enabled
    Customer Service Average Average Great
    Company Strength Weak Strong Strong

    If you plan to use your card for daily purchases, then daily spending limit is an important consideration for you. Blackcatcard offers an unparalleled Unlimited daily spending limit. You will get lower daily limits with HyperCard and Nexo Card.

    Cashback rewards are a great way to earn back some of the money you spend on your card and is an important consideration as well. Out of the three, Nexo Card offers the best cashback rewards of up to 2%. The cashback rewards for Blackcatcard are not as high. With HyperCard, you will have no cashback rewards at all.

    To make a good choice, look through all features, as it is an individual choice. If you will mostly do online transactions with this card, then Apple Pay availability may not be a very important feature for you. If you travel a lot, foreign exchange rate will matter. And so on.

Blackcatcard ATM Fees: The Real Cost of Cashing Out

Local ATM Withdrawals in EUR

Here's a breakdown of the fees you'll face when making local ATM withdrawals with your Blackcatcard:

You're at a local ATM and have:
0.0699 ETH (200 EUR)
-4.2 EUR
Blackcatcard Crypto-to-Fiat Conversion Cost: ~2.1%
-1.96 EUR
Blackcatcard ATM Withdrawal Fee: 1%
-3 EUR
ATM Operator Fee: ~3 EUR
190.84 EUR

Starting with an initial amount of 200 EUR in ETH, the ATM withdrawal with Blackcatcard will cost you a total of ~9.16 EUR (4.6% of 200 EUR), resulting in a final cash withdrawal of 190.84 EUR in hand.

Doesn't Blackcatcard Offer Free ATM Withdrawals?

Yes, Blackcatcard offers free ATM withdrawals for up to 200 EUR per month, in line with the average limit of 200 EUR offered by other cards.

When they say 'free', they are only referring to their ATM Withdrawal Fee, which will be waived for the first 200 EUR withdrawn per month. In our example, if you withdraw 200 EUR, this waiver saves you 1.96 EUR, reducing your local ATM withdrawal cost to around 7.2 EUR, compared to the standard cost of approximately 9.16 EUR.

International non-EUR ATM Withdrawals

Things will get significantly worse for International ATM Withdrawals. If you're out of country and cashing out with your Blackcatcard, here's what it will look like:

You're at an international ATM and have:
0.0699 ETH (200 EUR)
-4.2 EUR
Blackcatcard Crypto-to-Fiat Conversion Cost: ~2.1%
-1.96 EUR
Blackcatcard Intl ATM Withdrawal Fee: 1%, min 1.5 EUR
-5.87 EUR
Blackcatcard Foreign Exchange Fee: 3%
-1.96 EUR
Mastercard Foreign Exchange Fee: 1%
-3 EUR
ATM Operator Fee: ~3 EUR
-3.92 EUR
ATM Operator Foreign Exchange Fee: ~2%
Foreign Currency (worth 174.89 EUR)

For an international withdrawal using your Blackcatcard with an initial 200 EUR in ETH, you'll incur fees totaling ~20.91 EUR (10.5% of 200 EUR), leaving you with 174.89 EUR in the equivalent foreign currency.

Reality CheckCompared to other crypto cards, Blackcatcard is more expensive for both local and international ATM withdrawals:

Cost with BlackcatcardCost with Other Cards
Local ATM Withdrawals~9.2 EUR (4.6% of 200 EUR)~8.8 EUR (4.4% of 200 EUR)
International ATM Withdrawals~21 EUR (10.5% of 200 EUR)~18 EUR (9% of 200 EUR)

From all crypto cards that we reviewed, Holyheld Card, Bit2Me Card and Nexo Card offer the cheapest local ATM withdrawals (2.5%, 2.7% and 3.2% of 200 EUR respectively), while OWNR Card scores the worst, landing last on the list with a total local ATM withdrawal cost of 9% of 200 EUR.

We Tested Blackcatcard's Customer Support

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

Why should you Care:When you'll have a money-related question, like a missing deposit or being overcharged - having good support at that moment will be crucial for you.

Blackcatcard offers support via the following channels:


Location: Blackcatcard customer service reps are located in United Kingdom flagUnited Kingdom and Latvia flagLatvia.¹

Support Channel Our Interaction Score
(replied in
1 min)
Super fast replies. Good and concise answers to questions about physical card arrival and KYC.
High Competence
Not Personalized
Adequate English, Professional Tone
(replied in
1 min)
Apart from using the unattractive 'Dear Customer' greeting, the response was quick and helpful.
High Competence
Not Personalized
Flawless English, Professional Tone
(replied in
10 min)
Very fast email reply, with a good answer to a question about preauthorizations on their card.
High Competence
Not Personalized
Adequate English, Professional Tone
(replied in
1 min)
Couldn't answer when asked about their spread % and crypto conversion fee. The links provided didn't contain answers either.
Low Competence
Not Personalized
Adequate English, Professional Tone
(replied in
1 min)
Couldn't answer a simple question on what company issues the card. Uses the phrase "Unfortunately, we may not provide such information" often.
Low Competence
Not Personalized
Adequate English, Professional Tone

To summarize,

Competence and Problem-Solving: Blackcatcard's customer service responses are a hit or miss. Some of their agents are very competent, while others are not.

Customer Love: You will not get addressed by name and answers to your questions will be generic. Blackcatcard's customer support agents do not make an effort to personalize their replies.

Reply Speed: They respond remarkably quickly, with most of their replies coming within an average of 3 minutes, significantly saving your time.

Overall Customer Service Rating: 6.8/10

With this score, Blackcatcard's Customer Service is mediocre, comparable to the 7.3/10 average of other crypto card companies.

Blackcatcard Promo Code - to Get 5 EUR Bonus

You can use promo code AAVS7H to get 5 EUR bonus when you create an account on Blackcatcard platform.

Here's how you can enter the promo code:

Blackcatcard promo code

Your bonus will be paid out to you right after you open an account and pass the KYC.

p.s. Are we getting paid for referring you? Yes, and it helps us continue our mission. It's like you are buying us lunch 🍱 for all the hard work we've put into building this site. We really appreciate it. Thank you. 🙏🤗

Is Blackcatcard Available for Residents of United States?

No, Blackcatcard is not available for residents of United States.

Blackcatcard supports the following countries: 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.

To see our list of available crypto cards for United States, see this list. There are currently 5 cards listed there.

You may also be interested in this article: Crypto Cards for USA: The Best Options for Americans.

Helpful. What's My Next Step?

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.

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