#44 (out of 48) in Crypto Cards
#36 (out of 39) in Crypto Cards for Europe
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Overall Rating
Company Strength
Fee Structure
Customer Service
  • 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
Visa or MC
Debit or Credit

Prepaid Card

Denominated In€ EUR
Apple PayEnabled
Monthly Fee

5.00 EUR

Monthly Inactivity Fee

5.00 EUR

Crypto to EUR Crypto->EUR Conversion Cost


Highest Cashback

up to 8%

Entry-Level Cashback


Entry-Level Cashback Monthly Cap

15 EUR

Daily Spending Limit

1,500 EUR

Daily ATM Withdrawal Limit

100 EUR

Foreign Exchange Fee


Crypto to Fiat Conversion

Manual when Preloading

Crypto Asset Management

Custodial (stores crypto keys on your behalf)

Supported CountriesShow All (29)

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


Tier 2


Tier 3


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 CardIndustry Average1
Entry Level Cashback1%1%
Entry Level Cashback Monthly Cap15 EUR20 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 40% 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
Cost to Order:
10 EUR
Cost to Order:

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

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 Fee2%
Sell Spread~0.25%
Load Fee1%
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 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 HODL Card Compare to Other Crypto Cards?

HODL Card ranks #44 out of 48 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 38 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 38 competitors:

  • Offers Apple Pay (while 40% of competing crypto cards don't).
  • 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 7.5/10 on average).
  • You can get both a physical card and a second virtual card (while 60% of competing crypto cards offer only one type - either physical or just virtual).

Weakest Features Against Competitors

Compared to its 38 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 9,000 EUR daily spend limit on average).
  • Less-known company with a 2/10 company strength 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).
  • 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 6/10).
  • HODL Card vs. Crypterium Card vs. Nexo Card

    HODL Card
    Crypterium Card
    Nexo Card
    Monthly Fee 5.00 EUR 2.99 EUR 0.00 EUR
    Crypto to Fiat Cost ~3.65% ~3.75% ~0.75%
    Highest Cashback up to 8% None up to 2%
    Entry-Level Cashback 1% None 0.5%
    Daily Spending Limit 1,500 EUR 5,000 EUR 10,000 EUR
    Daily ATM Limit 100 EUR 500 EUR 2,000 EUR
    Foreign Exchange Fee 3% 2.5% 0.5%
    Asset Management Custodial Custodial Custodial
    Availability for United States flagUnited States
    Supported Cryptocurrencies 20 31 63
    Apple Pay Enabled Enabled Enabled
    Customer Service Great Great 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 HODL 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, HODL Card offers the best cashback rewards of up to 8%. The cashback rewards for Nexo Card are not as high. With 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.

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:

You're at a local ATM and have:
0.0565 ETH (200 EUR)
-7.3 EUR
FideumHQ Crypto-to-Fiat Conversion Cost: ~3.65%
-7.05 EUR
FideumHQ ATM Withdrawal Fee: 3.2 EUR + 2%
-3 EUR
ATM Operator Fee: ~3 EUR
182.65 EUR

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:

You're at an international ATM and have:
0.0565 ETH (200 EUR)
-7.3 EUR
FideumHQ Crypto-to-Fiat Conversion Cost: ~3.65%
-7.35 EUR
FideumHQ Intl ATM Withdrawal Fee: 3.5 EUR + 2%
-5.78 EUR
FideumHQ Foreign Exchange Fee: 3%
-1.93 EUR
Visa Foreign Exchange Fee: 1%
-3 EUR
ATM Operator Fee: ~3 EUR
-3.85 EUR
ATM Operator Foreign Exchange Fee: ~2%
Foreign Currency (worth 163.49 EUR)

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 163.49 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 CardCost with Other Cards
Local ATM Withdrawals~17.4 EUR (8.7% of 200 EUR)~9.2 EUR (4.6% 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, 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 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:


Location: FideumHQ customer service reps are located in United Kingdom flagUnited Kingdom, Turkey flagTurkey and Philippines flagPhilippines.¹

Support Channel Our Interaction Score
(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
(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
(replied in
26 min)
Directly answered questions about conversion fees, no generalities or copy pasted answers.
High Competence
Somewhat Personalized
Flawless English, Professional Tone
(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
(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

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 7.5/10.

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:

FideumHQ 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 8 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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