#49 (out of 51) in Crypto Cards
#35 (out of 37) in Crypto Cards for Europe
#11 (out of 11) in Non-Custodial Crypto Cards
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Overall Rating
Company Strength
Fee Structure
Customer Service
  • Superb customer service - fast replies, smart service agents
  • Apple Pay Enabled
  • High crypto to fiat conversion fee
  • No cashback rewards
  • Only 4 crypto coins supported
Visa or MC
Debit or Credit

Prepaid Card

Denominated In€ EUR
Apple PayEnabled
Monthly Fee

1.50 EUR

Monthly Inactivity Fee

0.00 EUR

Crypto to EUR Crypto->EUR Conversion Cost




Daily Spending Limit

2,500 EUR

Daily ATM Withdrawal Limit

500 EUR

Foreign Exchange Fee


Crypto to Fiat Conversion

Manual when Preloading

Crypto Asset Management

Non-Custodial (connect your own wallet)

Supported CountriesShow All (30)
Supported BlockchainsShow All (11)

OWNR Card Benefits and Rewards

OWNR card does not offer cashback rewards or any additional incentives for using the card.

OWNR Card is a Prepaid Card

  • Debit Card
  • Credit Card
  • Prepaid Card
  • No Bank Account Offered

OWNR 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 OWNR 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 OWNR 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

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

Crypto-to-EUR Conversion Cost with OWNR Card

OWNR Card Requires Pre-Load

Before you can use your OWNR 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 Fee0%
Sell Spread~2.04%
Load Fee2%
Transaction Fee
0.30 EUR
(~0.6% on 50 EUR spend)
Total Crypto to EUR Cost~4.64%

High Cost:Compared to the average ~1.7% crypto-to-fiat cost of other cards, converting crypto with OWNR Card will cost you more (~4.64%). 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 OWNR Card Compare to Other Crypto Cards?

OWNR Card ranks #49 out of 51 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.

In addition, OWNR Card ranks #11 out of 11 amongst Non-Custodial Crypto Cards.

We compared OWNR Card with 36 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 OWNR Card against its 36 competitors:

  • Offers Apple Pay (while 40% of competing crypto cards don't).
  • Supports 32 cryptocurrencies (while other cards support an average of 15).
  • Their customer service is very good with a 8.7/10 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).
  • Supports 11 blockchains (while other non-custodial cards support an average of 6 blockchains).
  • 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 36 competitors, here are the shortcomings of OWNR 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 10,500 EUR daily spend limit on average).
  • Less-known company with a 3/10 company strength score (the average for all competing cards is 6/10).
  • 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).
  • Cost to withdraw cash from a local ATM is high at ~9% (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 ~4.64% (versus an average of ~1.7% with other cards.)
  • Their fee structure is not so budget-friendly, with a score of 1.8/10 (average fee structure rating amongst other cards is 5.9/10).
  • OWNR Card vs. THORWallet Card vs. Holyheld Card

    OWNR Card
    THORWallet Card
    Holyheld Card
    Monthly Fee 1.50 EUR 0.00 EUR 0.00 EUR
    Crypto to Fiat Cost ~4.64% ~1.75% + Gas Fees ~0.5%
    Highest Cashback None None up to 1%
    Entry-Level Cashback None None 0.5%
    Daily Spending Limit 2,500 EUR 5,000 EUR 10,000 EUR
    Daily ATM Limit 500 EUR N/A (Virtual-Only Card) 5,000 EUR
    Foreign Exchange Fee 2% 1.5% 0%
    Asset Management Non-Custodial Non-Custodial Non-Custodial
    Availability for United States flagUnited States
    Supported Cryptocurrencies 32 4 1201
    Apple Pay Enabled Enabled Enabled
    Customer Service Great Great Great
    Company Strength Weak Weak Medium

    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 OWNR Card and THORWallet 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, Holyheld Card offers the best cashback rewards of up to 1%. With OWNR Card and THORWallet 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.

OWNR 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 OWNR Card:

You're at a local ATM and have:
0.062 ETH (200 EUR)
-9.28 EUR
OWNR Crypto-to-Fiat Conversion Cost: ~4.64%
-5.81 EUR
OWNR ATM Withdrawal Fee: 2 EUR + 2%
-3 EUR
ATM Operator Fee: ~3 EUR
181.91 EUR

Starting with an initial amount of 200 EUR in ETH, the ATM withdrawal with OWNR Card will cost you a total of ~18.09 EUR (9% of 200 EUR), resulting in a final cash withdrawal of 181.91 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 OWNR 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 OWNR Card, here's what it will look like:

You're at an international ATM and have:
0.062 ETH (200 EUR)
-9.28 EUR
OWNR Crypto-to-Fiat Conversion Cost: ~4.64%
-5.81 EUR
OWNR Intl ATM Withdrawal Fee: 2 EUR + 2%
-3.81 EUR
OWNR Foreign Exchange Fee: 2%
-1.91 EUR
Visa Foreign Exchange Fee: 1%
-3 EUR
ATM Operator Fee: ~3 EUR
-3.81 EUR
ATM Operator Foreign Exchange Fee: ~2%
Foreign Currency (worth 172.38 EUR)

For an international withdrawal using your OWNR Card with an initial 200 EUR in ETH, you'll incur fees totaling ~27.62 EUR (13.8% of 200 EUR), leaving you with 172.38 EUR in the equivalent foreign currency.

Reality CheckCompared to other crypto cards, OWNR Card is more expensive for both local and international ATM withdrawals:

Cost with OWNR CardCost with Other Cards
Local ATM Withdrawals~18 EUR (9% of 200 EUR)~9 EUR (4.5% of 200 EUR)
International ATM Withdrawals~27.6 EUR (13.8% of 200 EUR)~18.2 EUR (9.1% 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 OWNR's Customer Support

We asked OWNR'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.

OWNR offers support via the following channels:

Web Formhttps://ownrwallet.freshdesk.com/support/tickets/new

Location: OWNR customer service reps are located in Russia flagRussia and Estonia flagEstonia.¹

Support Channel Our Interaction Score
(replied in
1 h 25 min)
Replied quickly, with a basic reply without much detail.
High Competence
Not Personalized
Adequate English, Professional Tone
Web Form
(replied in
2 d 3 h )
Clear, concise response to a question about 3D authentication.
High Competence
Somewhat Personalized
Adequate English, Informal Tone
(replied in
3 h 4 min)
Short and simple reply in regards to a declined transaction. Could have offered further details or assistance.
High Competence
Not Personalized
Adequate English, Informal Tone
(replied in
14 min)
Replied quickly, with a brief answer to a question about KYC.
High Competence
Not Personalized
Flawless English, Professional Tone
Web Form
(replied in
1 h 25 min)
Concise and simple responses. Answered follow-up question quickly.
High Competence
Highly Personalized
Adequate English, Professional Tone

To summarize,

Competence and Problem-Solving: OWNR'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: Response times are inconsistent, ranging from as quick as 14 minutes to as slow as 2 days.

Overall Customer Service Rating: 8.7/10

This excellent score places OWNR's Customer Service well above the crypto card industry average of 7.5/10.

Is OWNR Card Available for Residents of United States?

No, OWNR Card is not available for residents of United States.

OWNR 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, 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 9 cards listed there.

You may also be interested in this article: Crypto Cards for USA: The Best Options for Americans.

Well Noted. 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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