Embily Card

#35 (out of 35) in Crypto Cards
#24 (out of 25) in Crypto Cards for Europe
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Overall Rating
Company Strength
Fee Structure
Customer Service
  • Has Apple Pay enabled
  • Quick Customer Service
  • Low company authority, not well known in the industry
  • Monthly fee
  • Small list of crypto supported
Visa or MC
Debit or Credit

Debit Card

Denominated In€ EUR
Apple PayEnabled
Monthly Fee

2.00 EUR

Monthly Inactivity Fee

0.00 EUR

Foreign Exchange Fee


Crypto to Fiat Crypto->Fiat Conversion Fee




Daily Spending Limit

2,500 EUR

Daily ATM Withdrawal Limit

500 EUR

Crypto to Fiat Conversion

Manual when Preloading

Supported CountriesShow All
Supported Cryptocurrencies

Embily Card Benefits and Rewards

Embily card does not offer cashback rewards or any additional incentives for using the card.

Embily Card is a Debit Card

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

It Comes in Both Physical and Virtual Forms

You can get Embily Card in both physical and virtual versions, a feature only available with 50% of crypto cards. They'll mail you the physical card, and you can 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 WithdrawalsSecond Card Number
Required for Car Rentals, HotelsInstant Availability
Useful When Phone Dies, or no WifiFreeze for Safety
Backup Payment MethodSet Lower Spend Limits

You will find the physical Embily Card useful for in-person purchases, while the virtual card will be perfect for online transactions like subscriptions.

How Does Embily Card Compare to Other Crypto Cards?

Embily Card ranks #24 out of 25 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 35 cards listed in our Crypto Cards category, only 24 are comparable to Embily Card, since they are available for customers in the same geographical region.

Strongest Features Against Competitors

Here are the strongest features of Embily Card against its 24 competitors :

  • Offers Apple Pay (while 40% of competing crypto cards don't).
  • Their customer service is very good with a 8.8/10 score (others score only 7.1/10 on average).
  • You can get both a physical card and a second virtual card (while 50% of competing crypto cards offer only one type - either physical or just virtual).

Weakest Features Against Competitors

Compared to its 24 competitors, here are the shortcomings of Embily Card:

  • Doesn't offer any cashback (while other cards give an average of 5%).
  • Daily spend is capped at 2,500 EUR (while other cards offer 11,000 EUR daily spend limit on average).
  • Limits ATM widthdrawals to 500 EUR per day (average amongst other cards is 1,000 EUR).
  • Supports only 7 cryptocurrencies (while other cards support an average of 20).
  • Less-known company with a 2/10 company strength score (the average for all competing cards is 7/10).
  • Requires preconversion of crypto to load the card (while 40% of competitors auto-convert on every purchase).
  • Doesn't offer any free ATM withdrawals (in contrast to 50% of crypto cards which offer an average of 200 EUR free withdrawal allowance per month).
  • Their fee structure is not so budget-friendly, with a score of 2.6/10 (average fee structure rating amongst other cards is 5.5/10).
  • Embily Card vs. Crypterium Card vs. Nexo Card

    Embily Card
    Crypterium Card
    Nexo Card
    Monthly Fee 2.00 EUR 2.99 EUR 0.00 EUR
    Foreign Exchange Fee 1.5% 2.5% 0.5%
    Crypto to Fiat Fee 3% 2% 0.0%
    Highest Cashback None None up to 2%
    Entry-Level Cashback None None 0.5%
    Daily Spending Limit 2,500 EUR 5,000 EUR 10,000 EUR
    Daily ATM Limit 500 EUR 500 EUR 2,000 EUR
    Availability for United States flagUnited States
    Supported Cryptocurrencies 7 31 64
    Apple Pay Enabled Enabled Enabled
    Customer Service Great Average Great
    Company Strength Weak Medium Strong

    If you plan to use your card for daily purchases, then daily spending limit is an important consideration for you. Nexo Card offers the highest daily spending limit of 10,000 EUR. You will get lower daily limits with Embily Card and Crypterium 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%. With Embily Card and Crypterium Card, 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.

Embily Card 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 Embily Card:

You're at a local ATM and have:
0.0662 ETH (200 EUR)
-6 EUR
Embily Crypto-to-Fiat Conversion Fee: 3%
-1.5 EUR
Embily ATM Withdrawal Fee: 1.5 EUR
-3 EUR
ATM Operator Fee: ~3 EUR
189.5 EUR

Starting with an initial amount of 200 EUR in ETH, the ATM withdrawal with Embily Card will cost you a total of ~10.5 EUR (5.3% of 200 EUR), resulting in a final cash withdrawal of 189.5 EUR in hand.

Doesn't Embily Card Offer Free ATM Withdrawals?

No, it doesn't. Which is a shame, because 50% of competing cards offer free ATM withdrawals, typically allowing up to 200 EUR per month without fees.

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 Embily Card, here's what it will look like:

You're at an international ATM and have:
0.0662 ETH (200 EUR)
-6 EUR
Embily Crypto-to-Fiat Conversion Fee: 3%
-2.86 EUR
Embily Intl ATM Withdrawal Fee: 1.5 EUR + 0.7%
-2.91 EUR
Embily Foreign Exchange Fee: 1.5%
-1.94 EUR
Visa Foreign Exchange Fee: 1%
-3 EUR
ATM Operator Fee: ~3 EUR
-3.88 EUR
ATM Operator Foreign Exchange Fee: ~2%
Foreign Currency (worth 173.41 EUR)

For an international withdrawal using your Embily Card with an initial 200 EUR in ETH, you'll incur fees totaling ~20.59 EUR (10.3% of 200 EUR), leaving you with 173.41 EUR in the equivalent foreign currency.

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

Cost with Embily CardCost with Other Cards
Local ATM Withdrawals~10.6 EUR (5.3% of 200 EUR)~7.6 EUR (3.8% of 200 EUR)
International ATM Withdrawals~20.6 EUR (10.3% of 200 EUR)~17.2 EUR (8.6% of 200 EUR)

From all crypto cards that we reviewed, Nexo Card, Bit2Me Card and KuCoin Card offer the cheapest local ATM withdrawals (2.5%, 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 7.4% of 200 EUR.

We Tested Embily's Customer Support

We asked Embily'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.

Embily offers support via the following channels:


Location: Embily customer service reps are located in Estonia flagEstonia.¹

Support Channel Our Interaction Score
(replied in
1 h 49 min)
Answered the question with a lot of detail, understood what was asked for. Informed about the fee that would be charged.
High Competence
Somewhat Personalized
Adequate English, Professional Tone
(replied in
14 min)
Answered quickly, in concise and to the point format.
High Competence
Not Personalized
Adequate English, Professional Tone
(replied in
5 h 11 min)
Suggested alternative payment method when asked about high gas fees.
High Competence
Not Personalized
Flawless English, Professional Tone
(replied in
1 min)
Replied instantly, with explanation of the refundable fee.
High Competence
Not Personalized
Flawless English, Professional Tone
(replied in
3 h 4 min)
Replied with a suggestion in how to avoid high gas fees. Concise and to the point.
High Competence
Not Personalized
Adequate English, Professional Tone

To summarize,

Competence and Problem-Solving: Embily's customer service agents are highly competent, so you can expect every issue to be resolved with professional expertise and a thorough understanding.

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

Reply Speed: Response times are inconsistent but relatively fast, ranging from as quick as 1 minute to as slow as 5 hours.

Overall Customer Service Rating: 8.8/10

This excellent score places Embily's Customer Service well above the crypto card industry average of 7.1/10.

Embily Promo Code - to Get 10 EUR Bonus

You can use promo code 0XGBWTW to get 10 EUR bonus when you create an account on Embily platform.

Here's how you can enter the promo code:

Embily promo code

..or, just click here.

Your bonus will be paid out to you right after you activate your Embily Card.

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 Embily Card Available for Residents of United States?

No, Embily Card is not available for residents of United States.

Embily Card 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, United Kingdom.

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.

Insightful. 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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