Digital asset payment cards are quietly reshaping how Europeans handle everyday expenses. According to new research by CEX.IO, nearly half of all transactions made with crypto cards fall under €10 — an area once dominated by cash.
This marks a growing shift toward using cryptocurrencies for routine purchases like groceries and dining. CEX.IO reported a 15% rise in new card orders across Europe this year, reflecting a steady move toward crypto integration in everyday life.
While traditional bank card holders average about 21% of payments online, crypto users are far ahead — with 40% of their transactions conducted on the internet. The average crypto card purchase is also smaller, sitting at €23.70 compared to €33.60 for standard bank cards.
Stablecoins drive the majority of activity, accounting for 73% of spending, while coins like Bitcoin, Ethereum, Litecoin, and Solana are also commonly used across retail categories.
Crypto adoption is catching on beyond CEX.IO. Other providers like Crypto.com and Oobit have reported similar behavior: users increasingly rely on digital currencies for groceries, transit, and ecommerce.
Still, the shift is drawing concern from traditional finance. Barclays recently announced it would block crypto purchases via its credit cards, citing risks tied to volatility and lack of regulatory protection.
Despite that resistance, crypto cards are emerging as a popular tool for modern payments — and their growth suggests they may soon rival traditional banks not just in niche investing, but at the checkout counter.
Alexander Stefanov
Reporter at Coindoo
Alex is an experienced finance journalist and a cryptocurrency and blockchain enthusiast. With over 8 years of experience covering the crypto, blockchain and fintech industries, he deeply understands the complex and constantly evolving world of digital assets. His insightful and thought-provoking articles provide readers with a clear picture of the latest developments and trends in the market. His passionate approach allows him to break down complex ideas into accessible and insightful content. Follow up on his content to be up to date with the most important trends and topics.
Source: https://coindoo.com/crypto-cards-now-rival-banks-in-everyday-use-across-europe/