Blackcatcard
- Unlimited daily spend
- Instantly available chat support agents
- No Apple Pay
- Rigorous KYC upfront, before seeing the app
-
Key Features
| Visa or MC | |
|---|---|
| Debit or Credit | Debit Card |
| Denominated In | € EUR |
| Apple Pay | Not Enabled |
| Monthly Fee | 0.00 EUR |
| Monthly Inactivity Fee | 15.00 EUR |
| Crypto to EUR Crypto->EUR Conversion Cost | ~2.1% |
| Highest Cashback | up to 0.5% |
| Entry-Level Cashback | 0.1% |
| Entry-Level Cashback Monthly Cap | 100 EUR |
| Daily Spending Limit | Unlimited |
| Daily ATM Withdrawal Limit | 5,000 EUR |
| Foreign Exchange Fee | 3% |
| Crypto to Fiat Conversion | Manual when Preloading |
| Crypto Asset Management | Custodial (stores crypto keys on your behalf) |
| Supported Countries | AustriaBelgiumBulgariaCroatiaCyprusCzech RepublicDenmarkEstoniaFinlandFranceGermanyGreeceHungaryIcelandIrelandItalyLatviaLiechtensteinLithuaniaLuxembourgMaltaNetherlandsNorwayPolandPortugalRomaniaSlovakiaSloveniaSpainSweden |
| Supported Cryptocurrencies | BTCETHUSDT |
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
- MT
IBAN Bank Account- in your name
Useful Card Structure:Blackcatcard functions like a debit card, but on the backend, it is classified as a credit card. This means that while you cannot borrow money with this card, it will work at places requiring pre-authorizations.
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 Withdrawals | No ATM Withdrawals |
| Required for Car Rentals, Hotels | No Tangible Asset |
| Useful When Phone Dies, or no Wifi | No Apple Pay, Online Use Only |
| Backup Payment Method | Instant 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.
The back of Blackcatcard
| Card Issuer | Papaya |
|
BIN Number ⓘ
BIN number is the first 8 digits of the card and identifies the card issuer.
| 52598105 |
| Validity Period | 3 years |
| Issuing Country | Malta |
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 Fee | 0% |
| Sell Spread | ~2.1% |
| Load Fee | 0% |
| Transaction Fee | 0% |
| Total Crypto to EUR Cost | ~2.1% |
Reality Check:Compared to the average ~1.8% 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 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%.
How Does Blackcatcard Compare to Other Crypto Cards?
Blackcatcard ranks #48 out of 63 amongst all the crypto cards we have reviewed so far. This card is a solid choice among the many crypto cards available, offering competitive features and benefits.
We compared Blackcatcard with 42 similar crypto cards, available for the same geographical region. See the resulting pros and cons below.
Strongest Features Against Competitors
Here are the strongest features of Blackcatcard against its 42 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 25,000 EUR limit on average).
- Provides a substantial ATM widthdrawal allowance of 5,000 EUR per day (average amongst other cards is only 500 EUR).
Weakest Features Against Competitors
Compared to its 42 competitors, here are the shortcomings of Blackcatcard:
- Apple Pay isn't enabled (while 70% 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).
- Supports only 3 cryptocurrencies (while other cards support an average of 15).
- Lesser-known company with a 3/10 brand authority score (the average for all competing cards is 6/10).
- Requires preconversion of crypto to load the card (while 40% of competitors auto-convert on every purchase).
Blackcatcard vs. HyperCard vs. Nexo Card
Blackcatcard
|
HyperCard
|
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% | 2% |
| Asset Management | Custodial | Custodial | Custodial |
Availability for  United States |
|||
| Supported Cryptocurrencies | 3 | 25 | 86 |
| Apple Pay | Not Enabled | Not Enabled | Enabled |
| Customer Service | Average | Average | Great |
| Brand Authority | Less-Known | Well-Known | Well-Known |
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:
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:
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 179.09 EUR in the equivalent foreign currency.
Reality CheckOverall, Blackcatcard is equivalent to the average than other cards for local ATM withdrawals and slightly more expensive for international ATM withdrawals:
| Cost with Blackcatcard | Cost with Other Cards | |
| Local ATM Withdrawals | ~9.2 EUR (4.6% of 200 EUR) | ~9.2 EUR (4.6% of 200 EUR) |
| International ATM Withdrawals | ~21 EUR (10.5% of 200 EUR) | ~18.4 EUR (9.2% of 200 EUR) |
From all crypto cards that we reviewed, Trade Republic Card, Holyheld Card and Bit2Me Card offer the cheapest local ATM withdrawals (2.2%, 2.5% and 2.7% 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:
| Chat | https://blackcatcard.com/contacts/ |
| support2@blackcatcard.com |
Location: Blackcatcard customer service reps are located in 
United Kingdom and 
Latvia.¹
| Support Channel | Our Interaction | Score |
Chat (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 8.5/10 |
Chat (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 9/10 |
Email (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 8.5/10 |
Chat (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 4/10 |
Chat (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 4/10 |
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 7.2/10 average of other crypto card companies.
Blackcatcard supports 30 countries
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 11 cards listed there.
You may also be interested in this article: Crypto Cards for USA: The Best Options for Americans.
Perfect. What's My Next Step?
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.
