Every year, cryptocurrencies are increasingly becoming tools not only for trading and investing, but also an accessible solution for everyday tasks. Crypto cards have been a major driver of this trend. Similar to regular cards, they have become a convenient and even more profitable alternative amid tightening regulations in Europe and around the world, restrictions on international payments, and high inflation: their limits and cashbacks are often more profitable than traditional banking products.
We will select the four best options for Europe, comparing all their terms and conditions.
Trustee Plus
A cryptocurrency card issued since 2023 that has already gained a large user base across Europe. Trustee Plus, a mobile wallet with 0% transfers, exchange, and fiat support, has issued this card. Any user registered with a European document can obtain the card.
Trustee Plus issues a virtual cryptocard and a physical card, allowing you to pay worldwide in EUR and supporting 30+ digital assets. You can top up your balance with any of the assets by purchasing them through a bank or receiving them from another crypto address. PIN-based encryption, biometrics, and two-factor authentication (2FA) ensure the wallet’s security. Its CEO is Vadym Grusha, a programmer with 16 years of experience who has worked with Bank of America and HSBC.
The card does not offer traditional cashback, but it does have a referral program offering up to 45% of the commissions earned by invited friends and a bonus system offering discounts of up to 22% on hotels worldwide. In addition, every month, the results of the Trustee Points bonus program are summarized, and prizes (as an iPhone) are raffled off based on the results.
- Fees: 0% on all transactions.
- ATM withdrawals: up to €2,000 per day and €10,000 per month at 1.5% + €1.
- Euro conversion: 0.5%.
- Top-up: 0% from your crypto wallet balance.
- Transactions per day: unlimited, up to €5,000 in total.
- Transactions per month: unlimited, up to €50,000 in total.
- Issuance: free for virtual cards, €25 for physical cards. Valid for 5 years + free service and 24/7 support.
In the ranking by Incrypted, Eastern Europe’s largest crypto media outlet, Trustee’s card topped the top 12 based on a comparison of operating conditions and payment convenience.
Gate Card
A cryptocurrency card from the Gate crypto exchange, which appeared quite recently, at the end of 2024. It works throughout the EU and is available in both virtual and physical form. The card is debit only and uses assets from the exchange account balance for payments, which means it supports all exchange assets (~2000).
The card’s bonus program offers 1% cashback for everyone, 2% for new customers, and up to 7% in special cases. The bonus is paid out in Bitcoin, ETH, USDT, and GT.
- Fees: 0% in euros within the EU, but an additional 0.2% to 2% outside Europe. For all currencies other than EUR, there is an additional 2% outside the European Union.
- Conversion to euros: 0.9%.
- Top-up: up to €25,000 per day. Withdrawal – 0% up to €1,000, €5,000 per month.
- Transactions per day: up to three for a total amount of up to €25,000.
- Transactions per month: 50 transactions for €50,000 (500 per year and €500,000).
- Issuance: virtual – free of charge, physical – €10.
Crypto.com Card
Crypto Card is issued by the international exchange Crypto.com. Today, its system includes not only a trading platform, but also a DeFi wallet, landing page, and NFT marketplace.
Crypto Card is a physical card that supports all cryptocurrency assets of the exchange and seven fiat currencies, including euros and pounds. The connection to the landing platform allows you to use assets in both debit and credit formats, but the limits and conditions depend on the card level – the higher it is, the more profitable it is. To increase your level, you need to keep exchange tokens (CRO) on your balance – this will give you increased discounts and access to unique features (e.g., access to special areas in EU airports).
The terms of the 7 tariffs depend on the region – in our case, we will take the EU terms.
- Calculation: purchases and withdrawals not in pounds or euros within the UK and EU countries – 0.2%, outside this territory – 2%.
- Conversion to euros: 1%.
- Top-up: up to €25,000.
- Transactions per day: up to €25,000, with an annual limit of €250,000.
- Transactions per month: free up to €200-€1,000, withdrawal limit – €10,000 for 30 transactions, top-up limit – €25,000. All transactions above this amount incur a 2%.
- Issuance: Midnight Blue physical card – €4.99. Issuance of cards with other tariffs is free of charge. Reissuance – €45.01 for Midnight Blue and €50 for others.
CL Card by Ledger
A crypto card from the Ledger hardware wallet, released in partnership with Baanx. The Leder Live app is used to manage assets and top up the account.
It is both a virtual and physical card with the option of enabling credit functions. It supports payments in EUR and is available for issuance in the EU and the UK. The card’s cashback is 1% on all purchases in BTC or 2% in BXX tokens.
- Calculation: on average, 2%, but it depends on the EU country. Withdrawals cost 1.5% + €3 for all, within the UK – €2.5 for each, monthly limit – €2,000, annual limit – €10,000.
- Conversion to euros: ~2.25% of the amount, but outside Europe, +1.5%.
- Top-up: equal to the blockchain fees, as it is a transfer from the wallet itself.
- Transactions per day: up to €5,000.
- Transactions per month: up to €10,000.
- Issuance: virtual – free, physical card – €6.
European crypto cards are no longer an experiment, but a working tool. Choose the one that fits your lifestyle – and look at the real conditions.