Holyheld Card Discontinued
- Non-custodial, you own your assets
- Generous Fee Structure for Crypto to EUR conversion
- IBAN EUR Account in your name
- Apple Pay Enabled
- FX Fee really high, this card is more suitable for use in Europe
- Available to Europeans only
- Less known company
-
Key Features
| Status | Discontinued |
|---|---|
| Launched | April 2023 (3.5 years ago) |
| Visa or MC | |
| Debit or Credit | Debit Card |
| Denominated In | € EUR |
| Apple Pay | Enabled |
| Monthly Fee | 0.00 EUR |
| Monthly Inactivity Fee | 1.00 EUR |
| Crypto to EUR Crypto->EUR Conversion Cost | ~0.5% |
| Highest Cashback | up to 1% |
| Entry-Level Cashback | 0.5% |
| Entry-Level Cashback Monthly Cap | 125 EUR |
| Daily Spending Limit | 10,000 EUR |
| Daily ATM Withdrawal Limit | 1,000 EUR |
| Foreign Exchange Fee | 2.5% + €1 (which is ~7.5% on €20 spend) |
| Crypto to Fiat Conversion | Manual when Preloading |
| Identity VerificationID Verification | KYC Requiredi |
| Crypto Asset Management | Non-Custodial (you can move funds without the wallet provider) |
| Supported Cryptocurrencies | USDTUSDCDAIPYUSDUSDDTUSDUSDPGUSDFRAXLUSDBUSDEURTEURS0XBTC |
| Supported Blockchains | ArbitrumAvalancheBaseBerachainBinance Smart ChainEthereumGnosis |
| Bank Account in Your Name | EUR accountSEPA |
| Supported Countries | AustriaBelgiumBulgariaCroatiaCyprusCzechiaDenmarkEstoniaFinlandFranceGermanyGreeceHungaryIcelandIrelandItalyLatviaLiechtensteinLithuaniaLuxembourgMaltaNetherlandsNorwayPolandPortugalRomaniaSlovakiaSloveniaSpainSweden |
United States cards here.
The Holyheld Card: It offered non-custodial asset control and zero gas fees for top-ups.
Holyheld Card Has Been Discontinued
Card issuer Unlimit emailed Holyheld Card users to say it could no longer offer Unlimit accounts or cards and that their accounts were being closed, with the card discontinued on October 19, 2026.
“We are writing to inform you that unfortunately, we are no longer able to offer Unlimit accounts or cards and that your Unlimit account opened through us is being closed.”
Here’s the email they sent out to their users: 
It Came in Both Physical and Virtual Forms
You could get Holyheld Card in either a physical or virtual version. The virtual card was instantly available online after completing KYC Identity Verification. Applying for and activating a physical card replaced 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 | Apple Pay Enabled: Virtual but In-Store Ready |
| Backup Payment Method | Instant Availability |
Cost to Order: 1 EUR | Cost to Order: 29 EUR |
Useful:Since Holyheld Card supported Apple Pay, you could use this card in real life, whether you had the virtual or the physical version.
The back of Holyheld Card
| Card Issuer | Unlimit |
|
BIN Number ⓘ
BIN number is the first 8 digits of the card and identifies the card issuer.
| 53051816 |
| Validity Period | 2 years |
| Issuing Country | Cyprus |
What Was Crypto-to-EUR Conversion Cost with Holyheld Card?
Holyheld Card Required Pre-Load
Before you could use your Holyheld Card, you needed to top up your account. This meant you had to convert your crypto in advance, exchanging it to EUR in your account to make it available for spending.
| Crypto to Fiat Conversion Fee | 0% |
| Broker Sell Spread | ~0.5% |
| Load Fee | 0% |
| Transaction Fee | 0% |
| Gas Fees | You Pay 0% Gas Fees |
| EUR Transaction Cost | ~0.5% |
| Foreign Exchange Fee | 2.5% + €1 (~7.5% on €20 spend) |
| Non-EUR Transaction Cost | ~8% |
Low Cost:Compared to the average ~1.4% crypto-to-fiat cost of other cards, converting crypto with Holyheld Card was much more cost-effective (~0.5%). This meant users would get more EUR for their crypto when using this card.
Rare Feature: Holyheld subsidized the Gas Fees, so users paid effectively 0%. This was a unique rare feature. Just think about it... No gas fees to pay? That was amazing.
How Did Holyheld Make Money? – I only see ~0.5% broker spread here. Am I missing something?
Every time someone made a payment with their Holyheld Card, the merchant (Starbucks, Amazon, etc.) paid a small fee on that transaction to their bank that operates the POS terminal. This is called the interchange fee. The merchant's bank passed part of that fee to Mastercard, and they shared a portion of it with Holyheld.
So while cardholders didn't pay a fee directly, Holyheld still earned a small amount from every transaction - that's how card providers make money.
From all crypto cards we reviewed for Europe, OKX Card, WhiteBIT Card and Trade Republic Card offer the cheapest crypto-to-fiat conversions (~0.1%, ~0.28% and ~0.7% respectively), while converting crypto with OWNR Card will cost you the most, ~4.64%.
We Had Tested Holyheld Customer Support
We asked Holyheld customer support different questions, and then rated their responses to evaluate how good their support was.
Why should you Care:When users had a money-related question, like a missing deposit or being overcharged, having good support at that moment was crucial.
Holyheld offered support via the following channels:
| Chat | https://app.holyheld.com/ |
Location: Holyheld customer service reps were located in 
United Kingdom.¹
| Support Channel | Our Interaction | Score |
Chat (replied in 27 min) | Quick and concise reply to a question about ordering the physical card. | High Competence Somewhat Personalized Flawless English, Professional Tone 9.5/10 |
Chat (replied in 26 min) | Very informative, detailed answer to a question about zero gas fees and how they achieve it. | High Competence Not Personalized Flawless English, Professional Tone 9/10 |
Chat (replied in 28 min) | Quick and to the point reply to a question about fees and limits. | High Competence Not Personalized Flawless English, Professional Tone 9/10 |
Chat (replied in 1 h 1 min) | Explained swapping and supported tokens, clarified and explained in more detail when asked again. | High Competence Somewhat Personalized Flawless English, Professional Tone 9.5/10 |
Chat (replied in 5 min) | Explained patiently and in detail about Metamask swappable tokens and their support, when asked a longer question. | High Competence Not Personalized Flawless English, Professional Tone 9/10 |
To summarize,
Competence and Problem-Solving: Holyheld's customer service agents were highly competent, so users could expect issues to be resolved with professional expertise and a thorough understanding.
Customer Love: Their responses were personalized when they needed to look up specific account information, although they did not always address users by name.
Reply Speed: They responded remarkably quickly, with most replies coming within an average of 29 minutes, significantly saving users' time.
Overall Customer Service Rating: 9.2/10
This excellent score placed Holyheld Customer Service well above the crypto card industry average of 7.6/10.
Holyheld Card supported 30 countries
Was Holyheld Card Available for Residents of United States?
No, Holyheld Card was not available for residents of United States.
Holyheld Card supported the following countries: Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, 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 16 cards listed there.
You may also be interested in this article: Crypto Cards for USA: The Best Options for Americans.
Alternatives to Holyheld Card?
