Holyheld Card
- Non-custodial, you own your assets
- No Gas Fees for top-ups
- Generous ATM withdrawal allowance
- Less known company
-
Key Features
| 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 | 5,000 EUR |
| Foreign Exchange Fee | 0% |
| Crypto to Fiat Conversion | Manual when Preloading |
| Crypto Asset Management | Non-Custodial (connect your own wallet) |
| Supported Countries | AustriaBelgiumBulgariaCroatiaCyprusCzech RepublicDenmarkEstoniaFinlandFranceGermanyGreeceHungaryIcelandIrelandItalyLatviaLiechtensteinLithuaniaLuxembourgMaltaNetherlandsNorwayPolandPortugalRomaniaSlovakiaSloveniaSpainSweden |
| Supported Blockchains | ArbitrumAvalancheBaseEthereumGnosisOptimismPolygon |
| Supported Cryptocurrencies | 0XBTC0XMR1EARTH1INCH3CRV3KMAAGAARTAAVEABTABYSSACACEACHACRIA |
Your Holyheld Card: Enjoy non-custodial asset control and zero gas fees for top-ups
Holyheld Card Benefits and Rewards
Holyheld card offers up to 1% cashback on every purchase you make with the card.
Classic |
Limited |
Metal |
|
| One-Time Card Issuance Fee | 29 EUR | 99 EUR | 199 EUR |
| Cashback | 0.5% | 0.5% | 1% |
| Monthly Cashback Cap (derived from spend limit) | 125 EUR | 125 EUR | 250 EUR |
You can claim the rewards, paid out in USDC, after a 30-day period following each purchase.
Reality Check While Holyheld Card promotes up to 1% cashback, if you're an entry-level user with 1,000 EUR in assets, you'll qualify for 0.5% cashback, capped at 125 EUR per month.
Are other cards more generous at base tier? No, they are not. In fact, Holyheld Card offers more value for the entry-level user, than most competitors:
| Holyheld Card | Industry Average1 | |
| Entry Level Cashback | 0.5% | 1% |
| Entry Level Cashback Monthly Cap | 125 EUR | 20 EUR |
Holyheld Card is a Debit Card
- Debit Card
- Credit Card
- Prepaid Card
- CY
IBAN Bank Account- in your name
With Holyheld Card, you'll get a true debit card experience, directly connected to a bank account. You'll receive a Cyprus-based IBAN bank account number issued in your name, and any funds you deposit into your account will become immediately available for spending on your card.
Useful:Some crypto card companies only allow fiat deposits from accounts that are directly in your name. With Holyheld, 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 Comes in Both Physical and Virtual Forms
You can get Holyheld Card in either a physical or virtual version. The virtual card is instantly available online after completing KYC Identity Verification. Applying for and activating a physical card will replace 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: 0 EUR | Cost to Order: 29 EUR |
Useful:Since Holyheld Card supports Apple Pay, you can use this card in real life, whether you have the virtual or the physical version.
Crypto-to-EUR Conversion Cost with Holyheld Card
Holyheld Card Requires Pre-Load
Before you can use your Holyheld 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% |
| Broker Sell Spread | ~0.5% |
| Load Fee | 0% |
| Transaction Fee | 0% |
| Gas Fees | You Pay 0% Gas Fees |
| Total Crypto to EUR Cost | ~0.5% |
Low Cost:Compared to the average ~1.8% crypto-to-fiat cost of other cards, converting crypto with Holyheld Card is much more cost-effective (~0.5%). This means that you will get more EUR for your crypto when using this card.
Rare Feature:Holyheld subsidizes your Gas Fees, so you pay effectively 0%. This is a unique rare feature. Just think about it... No gas fees for you to pay? That's amazing.
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 Holyheld Card Compare to Other Crypto Cards?
Holyheld Card ranks #5 out of 47 amongst all the crypto cards we have reviewed so far. This means it's in the Top 30%.
In addition, Holyheld Card ranks #1 out of 10 amongst Non-Custodial Crypto Cards.
We compared Holyheld Card with 37 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 Holyheld Card against its 37 competitors:
- Offers Apple Pay (while 40% of competing crypto cards don't).
- Offers up to 125 EUR per month in cashback for entry-level users (exceeding the competitors' 20 EUR average).
- Has a Foreign Exchange Fee of 0% (other cards have 1.5% average).
- Offers a generous 10,000 EUR daily spend limit (other cards offer 9,000 EUR limit on average).
- Provides a substantial ATM widthdrawal allowance of 5,000 EUR per day (average amongst other cards is only 600 EUR).
- Supports 1201 cryptocurrencies (while other cards support an average of 20).
- Their customer service is very good with a 9.2/10 score (others score only 7.4/10 on average).
- Their crypto-to-fiat conversion cost, including all related fees and spread, is among the lowest at ~0.5% (versus an average of ~1.8% with other cards.)
- Supports 9 blockchains (while other non-custodial cards support an average of 6 blockchains).
- Their overall fee structure is incredibly budget-friendly, with a score of 8.8/10 (average fee structure rating amongst other cards is 5.9/10).
- This crypto card is non-custodial, which means you keep the keys to your crypto assets and can connect your own wallet. You have full control, unlike with custodial cards that manage your crypto assets.
Weakest Features Against Competitors
Compared to its 37 competitors, here are the shortcomings of Holyheld Card:
- Offers up to 1% cashback (while other cards give an average of 4%).
- Requires preconversion of crypto to load the card (while 30% 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).
Holyheld Card vs. xPortal Card vs. Gnosis Card
Holyheld Card
|
xPortal Card
|
Gnosis Card
|
|
|---|---|---|---|
| Monthly Fee | 0.00 EUR | 0.00 EUR | 0.00 EUR |
| Crypto to Fiat Cost | ~0.5% | ~1% | 0% + Gas Fees |
| Highest Cashback | up to 1% | up to 5% | None |
| Entry-Level Cashback | 0.5% | 0.2% | None |
| Daily Spending Limit | 10,000 EUR | 5,000 EUR | 8,000 EUR |
| Daily ATM Limit | 5,000 EUR | 500 EUR | 500 EUR |
| Foreign Exchange Fee | 0% | 2.5% | 0% |
| Asset Management | Non-Custodial | Non-Custodial | Non-Custodial |
Availability for  United States |
|||
| Supported Cryptocurrencies | 1201 | 2 | 2 |
| Apple Pay | Enabled | Not Enabled | Not Enabled |
| Customer Service | Great | Great | Great |
| Company Strength | Medium | Medium | Weak |
If you plan to use your card for daily purchases, then daily spending limit is an important consideration for you. Holyheld Card offers the highest daily spending limit of 10,000 EUR. You will get lower daily limits with xPortal Card and Gnosis 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, xPortal Card offers the best cashback rewards of up to 5%. The cashback rewards for Holyheld Card are not as high. With Gnosis 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.
Holyheld 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 Holyheld Card:
Starting with an initial amount of 200 EUR in ETH, the ATM withdrawal with Holyheld Card will cost you a total of ~4.9 EUR (2.5% of 200 EUR), resulting in a final cash withdrawal of 195.1 EUR in hand.
Plus, if you'd like to check your balance via the ATM, it will cost you an additional 0.5 EUR.
Doesn't Holyheld 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 Holyheld Card, here's what it will look like:
For an international withdrawal using your Holyheld Card with an initial 200 EUR in ETH, you'll incur fees totaling ~13.71 EUR (6.9% of 200 EUR), leaving you with 185.29 EUR in the equivalent foreign currency.
Reality CheckCompared to other crypto cards, Holyheld Card is more cost-effective for both local and international ATM withdrawals:
| Cost with Holyheld Card | Cost with Other Cards | |
| Local ATM Withdrawals | ~5 EUR (2.5% of 200 EUR) | ~9 EUR (4.5% of 200 EUR) |
| International ATM Withdrawals | ~13.8 EUR (6.9% 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 Holyheld's Customer Support
We asked Holyheld'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.
Holyheld offers support via the following channels:
| Chat | https://app.holyheld.com/ |
Location: Holyheld customer service reps are 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 are highly competent, so you can expect every issue to be resolved with professional expertise and a thorough understanding.
Customer Love: Their responses will be personalized when they need to look up specific information from your account, although they may not always address you by name.
Reply Speed: They respond remarkably quickly, with most of their replies coming within an average of 29 minutes, significantly saving your time.
Overall Customer Service Rating: 9.2/10
This excellent score places Holyheld's Customer Service well above the crypto card industry average of 7.4/10.
Holyheld Referral Code - to Get 14 EUR Bonus
You can use referral code $cryptonoshi to get 15 USDC (~14 EUR¹) bonus when you create an account on Holyheld platform.
Here's how you can enter the referral code:
..or, just click here.
Your bonus will be paid out to you in USDC (USD Coin1), right after you order the 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 Holyheld Card Available for Residents of United States?
No, Holyheld Card is not available for residents of United States.
Holyheld 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.
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.
That Helps. 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.
