Embily Card
- Has Apple Pay enabled
- Quick Customer Service
- Low company authority, not well known in the industry
- Monthly fee
- Small list of crypto supported
-
Key Features
| Visa or MC | |
|---|---|
| Debit or Credit | Prepaid Card |
| Denominated In | € EUR |
| Apple Pay | Enabled |
| Monthly Fee | 2.00 EUR |
| Monthly Inactivity Fee | 0.00 EUR |
| Crypto to EUR Crypto->EUR Conversion Cost | ~2.5% |
| Cashback | None |
| Daily Spending Limit | 2,500 EUR |
| Daily ATM Withdrawal Limit | 500 EUR |
| Foreign Exchange Fee | 1.5% |
| Crypto to Fiat Conversion | Manual when Preloading |
| Crypto Asset Management | Custodial (stores crypto keys on your behalf) |
| Supported Countries | AustriaBelgiumBulgariaCroatiaCyprusCzech RepublicDenmarkEstoniaFinlandFranceGermanyGreeceHungaryIcelandIrelandItalyLatviaLiechtensteinLithuaniaLuxembourgMaltaNetherlandsNorwayPolandPortugalRomaniaSlovakiaSloveniaSpainSwedenUnited Kingdom |
| Supported Cryptocurrencies | BNBBTCDAIETHTRXUSDCUSDT |
Embily Card Benefits and Rewards
Embily card does not offer cashback rewards or any additional incentives for using the card.
Embily Card is a Prepaid Card
- Debit Card
- Credit Card
- Prepaid Card
- LT
IBAN Bank Account- in your name
Embily Card is a prepaid card carrying its own balance, and you'll need to top it up before use. Alongside, Embily offers you a personal bank account. You'll receive a Lithuania-based IBAN bank account number issued in your name.
Useful:Some crypto card companies only allow fiat deposits from accounts that are directly in your name. With Embily, 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's Issued Solely in Virtual Form, Lacking a Physical Version
Embily Card is available solely in virtual format, unlike 30% of crypto cards offering both physical and virtual versions. This means you cannot use it for ATM withdrawals, or at places like car rental companies or hotels that require a physical card for security deposit and identity verification. The virtual card will be issued to you instantly after you complete the KYC Identity Verification.
Wondering about the pros and cons of virtual-only format? Here are some highlights:
No Physical Card | Virtual Card |
|---|---|
| No ATM Withdrawals | Instantly Available, No Waiting for Mail |
| No Card when Hotels or Car Rentals Require it | Ideal for Online Purchases |
| No Card When Phone Dies or no Internet | Environmentally Friendly |
| No Feel-Good Backup Payment Method | No Tangible Item to Misplace |
Useful:Since Embily Card supports Apple Pay, you can still use this card in real life, to pay for everyday purchases.
Crypto-to-EUR Conversion Cost with Embily Card
Embily Card Requires Pre-Load
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 EUR and moving it to the card account, to make it available for spending.
| Crypto to Fiat Conversion Fee | 0% |
| Sell Spread | ~1.5% |
| Load Fee | 1% |
| Transaction Fee | 0% |
| Total Crypto to EUR Cost | ~2.5% |
High Cost:Compared to the average ~1.8% crypto-to-fiat cost of other cards, converting crypto with Embily Card will cost you more (~2.5%). This means that you will get less EUR for your 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%.
How Does Embily Card Compare to Other Crypto Cards?
Embily Card ranks #57 out of 63 amongst all the crypto cards we have reviewed so far. 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.
We compared Embily Card with 42 similar crypto cards, available for the same geographical region. See the resulting pros and cons below.
Weakest Features Against Competitors
Compared to its 42 competitors, here are the shortcomings of Embily Card:
- Doesn't offer any cashback (while other cards give an average of 4%).
- Daily spend is capped at 2,500 EUR (while other cards offer 25,000 EUR daily spend limit on average).
- Lesser-known company with a 2/10 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).
- Only available in virtual format (while 30% of competing crypto cards offer both physical and virtual cards).
- Doesn't offer any free ATM withdrawals (in contrast to 40% 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 3.4/10 (average fee structure rating amongst other cards is 5.7/10).
Embily Card vs. COCA Card vs. Nexo Card
Embily Card
|
COCA Card
|
Nexo Card
|
|
|---|---|---|---|
| Monthly Fee | 2.00 EUR | 0.00 EUR | 0.00 EUR |
| Crypto to Fiat Cost | ~2.5% | ~0.5% + Gas Fees | ~0.75% |
| Highest Cashback | None | None | up to 2% |
| Entry-Level Cashback | None | None | 0.5% |
| Daily Spending Limit | 2,500 EUR | 30,000 EUR | 10,000 EUR |
| Daily ATM Limit | 500 EUR | N/A (Virtual-Only Card) | 2,000 EUR |
| Foreign Exchange Fee | 1.5% | 0% | 2% |
| Asset Management | Custodial | Non-Custodial | Custodial |
Availability for  United States |
|||
| Supported Cryptocurrencies | 7 | 4 | 86 |
| Apple Pay | Enabled | Not Enabled | Enabled |
| Customer Service | Great | Average | Great |
| Brand Authority | Less-Known | Less-Known | Well-Known |
If you plan to use your card for daily purchases, then daily spending limit is an important consideration for you. COCA Card offers the highest daily spending limit of 30,000 EUR. You will get lower daily limits with Embily Card 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%. With Embily Card and COCA 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.
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:
| Chat | https://app.embily.com/account |
| support@embily.com | |
| Telegram | https://t.me/embilycard |
Location: Embily customer service reps are located in 
Estonia.¹
| Support Channel | Our Interaction | Score |
Email (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 9/10 |
Email (replied in 14 min) | Answered quickly, in concise and to the point format. | High Competence Not Personalized Adequate English, Professional Tone 8.5/10 |
Email (replied in 5 h 11 min) | Suggested alternative payment method when asked about high gas fees. | High Competence Not Personalized Flawless English, Professional Tone 9/10 |
Telegram (replied in 1 min) | Replied instantly, with explanation of the refundable fee. | High Competence Not Personalized Flawless English, Professional Tone 9/10 |
Chat (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 8.5/10 |
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 7.2/10.
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:
..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 11 cards listed there.
You may also be interested in this article: Crypto Cards for USA: The Best Options for Americans.
Good Info. 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.
