HODL Card
- Beautiful Branding
- Catchy Name
- Apple Pay enabled
- High minimums for swaps
- High fees on everything
- 50 EUR account closing fee
- .. lots of gotchas - if you're a small fish, swim away
-
Key Features
| Visa or MC | |
|---|---|
| Debit or Credit | Prepaid Card |
| Denominated In | € EUR |
| Apple Pay | Enabled |
| Monthly Fee | 5.00 EUR |
| Monthly Inactivity Fee | 5.00 EUR |
| Crypto to EUR Crypto->EUR Conversion Cost | ~3.65% |
| Highest Cashback | up to 8% |
| Entry-Level Cashback | 1% |
| Entry-Level Cashback Monthly Cap | 15 EUR |
| Daily Spending Limit | 1,500 EUR |
| Daily ATM Withdrawal Limit | 100 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 RepublicDenmarkEstoniaFinlandFranceGermanyGreeceHungaryIcelandIrelandItalyLatviaLithuaniaLuxembourgMaltaNetherlandsNorwayPolandPortugalRomaniaSlovakiaSloveniaSpainSweden |
| Supported Cryptocurrencies | ADAAVAXBBANKBNBBTCDOGEDOTETHFILTCMATICNEARSHIBSOLTON |
Your HODL Card: Make your crypto work in the real world
HODL Card Benefits and Rewards
FideumHQ offers up to 8% cashback paid in crypto. To get more than 1% cashback, you will need to lockup and hold some FI (Fideum Token). See the table below for details.
| Tier 1
Starter |
Tier 2
Saver |
Tier 3
Growth |
Tier 4
Private Wealth |
|
| FI Lockup Required (in USD) | $0 | $2,500 | $15,000 | $50,000 |
| Discount on all fees | 0% | 20% | 50% | 80% |
| Cashback | 1% | 2% | 4% | 8% |
| Monthly Cashback Cap | 15 EUR | 40 EUR | 160 EUR | 560 EUR |
Reality Check While HODL Card promotes up to 8% cashback, if you're an entry-level user with 1,000 EUR in assets, you'll qualify for 1% cashback, capped at 15 EUR per month.
Are other cards more generous at base tier? Yes, slightly:
| HODL Card | Industry Average1 | |
| Entry Level Cashback | 1% | 1% |
| Entry Level Cashback Monthly Cap | 15 EUR | 20 EUR |
HODL Card is a Prepaid Card
- Debit Card
- Credit Card
- Prepaid Card
- No Bank Account Offered
HODL Card is very much like a traditional prepaid card that carries its own balance, and you'll need to top it up before use.
It should be noted that FideumHQ doesn't offer a bank account with this card (while some crypto cards do), which means you won't be able to receive third-party payments, like fiat withdrawals from exchanges, for example.
It Comes in Both Physical and Virtual Forms
You can get HODL Card in both physical and virtual versions, a feature only available with 30% 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 Withdrawals | Second Card Number |
| Required for Car Rentals, Hotels | Instant Availability |
| Useful When Phone Dies, or no Wifi | Freeze for Safety |
| Backup Payment Method | Set Lower Spend Limits |
Cost to Order: 10 EUR | Cost to Order: 1 EUR |
You will find the physical HODL Card useful for in-person purchases, while the virtual card will be perfect for online transactions like subscriptions.
The back of HODL Card
| Card Issuer | Wallester |
|
BIN Number ⓘ
BIN number is the first 8 digits of the card and identifies the card issuer.
| 47436710 |
| Validity Period | 4 years |
| Issuing Country | Estonia |
Crypto-to-EUR Conversion Cost with HODL Card
HODL Card Requires Pre-Load
Before you can use your HODL 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 | 2% |
| Sell Spread | ~0.25% |
| Load Fee | 1% |
| Transaction Fee | 0.20 EUR (~0.4% on 50 EUR spend) |
| Total Crypto to EUR Cost | ~3.65% |
High Cost:Compared to the average ~1.8% crypto-to-fiat cost of other cards, converting crypto with HODL Card will cost you more (~3.65%). 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 HODL Card Compare to Other Crypto Cards?
HODL Card ranks #54 out of 61 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 HODL Card with 41 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 HODL Card against its 41 competitors:
- Offers impressive maximum cashback of up to 8% (other cards have an average of 4%).
- Their customer service is very good with a 9.6/10 score (others score only 7.6/10 on average).
- You can get both a physical card and a second virtual card (while 70% of competing crypto cards offer only one type - either physical or just virtual).
Weakest Features Against Competitors
Compared to its 41 competitors, here are the shortcomings of HODL Card:
- Has a foreign exchange fee of 3% (other cards have 1.5% average).
- Daily spend is capped at 1,500 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).
- 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).
- Cost to withdraw cash from a local ATM is high at ~8.7% (comparing to the average of ~4.5% when withdrawing with other cards.)
- Their crypto-to-fiat conversion cost, including all related fees and spread, is quite high at ~3.65% (versus an average of ~1.8% with other cards.)
- Their fee structure is not so budget-friendly, with a score of 2.4/10 (average fee structure rating amongst other cards is 5.6/10).
HODL Card vs. Embily Card vs. Nexo Card
HODL Card
|
Embily Card
|
Nexo Card
|
|
|---|---|---|---|
| Monthly Fee | 5.00 EUR | 2.00 EUR | 0.00 EUR |
| Crypto to Fiat Cost | ~3.65% | ~2.5% | ~0.75% |
| Highest Cashback | up to 8% | None | up to 2% |
| Entry-Level Cashback | 1% | None | 0.5% |
| Daily Spending Limit | 1,500 EUR | 2,500 EUR | 10,000 EUR |
| Daily ATM Limit | 100 EUR | 500 EUR | 2,000 EUR |
| Foreign Exchange Fee | 3% | 1.5% | 2% |
| Asset Management | Custodial | Custodial | Custodial |
Availability for  United States |
|||
| Supported Cryptocurrencies | 20 | 7 | 83 |
| Apple Pay | Enabled | Enabled | Enabled |
| Customer Service | Great | Great | 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. Nexo Card offers the highest daily spending limit of 10,000 EUR. You will get lower daily limits with HODL Card and Embily 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, HODL Card offers the best cashback rewards of up to 8%. The cashback rewards for Nexo Card are not as high. With Embily 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.
HODL 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 HODL Card:
Starting with an initial amount of 200 EUR in ETH, the ATM withdrawal with HODL Card will cost you a total of ~17.35 EUR (8.7% of 200 EUR), resulting in a final cash withdrawal of 182.65 EUR in hand.
Plus, if you'd like to check your balance via the ATM, it will cost you an additional 0.75 EUR.
Doesn't HODL 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 HODL Card, here's what it will look like:
For an international withdrawal using your HODL Card with an initial 200 EUR in ETH, you'll incur fees totaling ~29.21 EUR (14.6% of 200 EUR), leaving you with 170.79 EUR in the equivalent foreign currency.
Reality CheckCompared to other crypto cards, HODL Card is more expensive for both local and international ATM withdrawals:
| Cost with HODL Card | Cost with Other Cards | |
| Local ATM Withdrawals | ~17.4 EUR (8.7% of 200 EUR) | ~9 EUR (4.5% of 200 EUR) |
| International ATM Withdrawals | ~29.2 EUR (14.6% 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 FideumHQ's Customer Support
We asked FideumHQ'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.
FideumHQ offers support via the following channels:
| Chat | https://blockbank.ai/card/ |
| support@blockbank.ai |
Location: FideumHQ customer service reps are located in 
United Kingdom, 
Türkiye and 
Philippines.¹
| Support Channel | Our Interaction | Score |
Chat (replied in 1 min) | Despite the support agent using an AI-looking stock avatar, agent was an actual person, replied instantly, and gave friendly, knowledgeable responses. | High Competence Highly Personalized Flawless English, Professional Tone 10/10 |
Email (replied in 17 h 47 min) | Support agent was very helpful, gave ideas how to navigate high minimums for swaps and withdrawals. | High Competence Somewhat Personalized Flawless English, Professional Tone 9.5/10 |
Email (replied in 26 min) | Directly answered questions about conversion fees, no generalities or copy pasted answers. | High Competence Somewhat Personalized Flawless English, Professional Tone 9.5/10 |
Email (replied in 20 h 48 min) | Nice straightforward response, to 3 questions about ATM limits and fees. Answered every question asked. | High Competence Somewhat Personalized Flawless English, Professional Tone 9.5/10 |
Email (replied in 1 h 18 min) | Good initial answer to a question about cashback but didn't reply to a follow up question. | High Competence Somewhat Personalized Flawless English, Professional Tone 9.5/10 |
To summarize,
Competence and Problem-Solving: FideumHQ'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: FideumHQ's support responses are personalized, addressing customers by name, but typically do not include other specific account details unless requested.
Reply Speed: Response times are inconsistent, ranging from as quick as 1 minute to as slow as 21 hours.
Overall Customer Service Rating: 9.6/10
This excellent score places FideumHQ's Customer Service well above the crypto card industry average of 7.6/10.
FideumHQ Referral Code - to Get 5 EUR Bonus
You can use referral code biaEmHYz to get 5 EUR bonus when you create an account on FideumHQ platform.
Here's how you can enter the referral code:
Your bonus will be paid out to you in FI (Fideum1), right after you purchase $25 of $FI tokens, and lock them in the Earning section.
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 HODL Card Available for Residents of United States?
No, HODL Card is not available for residents of United States.
HODL Card supports the following countries: Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, 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 12 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.
