It won’t last long and we will live in a period when crypto-payments in stores around the world will be normal. One of the most effective tools to get closer to such a future are the cryptocurrency payment cards.

In the last two years, several companies have created their own credit card projects, but only a few have managed to get the project far enough to really send their first cards to customers.

Let’s take a look at the most successful ones that work without a problem, or they are just about to issue their cards.


  • Card issuer: VISA
  • Headquarters: United Kingdom

Although Wirex recently had problems with mobile application stability, it is probably the most popular cryptocurrency debit card in Europe.

The card is available to all citizens living in the European Economic Area (EEA) and offers deposits in BTC, LTC, Ethereum, Waves, XRP and Wollo. Spending money is possible in EUR, USD, and GBP.

Account maintenance is free, but you pay 1.2 EUR per month for a payment card. Due to competition prices, ATM withdrawals are expensive, you pay EUR 2.25 in the EEA and EUR 2.75 in other countries.

The card can pay a maximum of EUR 8000 per transaction and only EUR 250 per day can be withdrawn from an ATM.

Wirex Cryptoback

As one of the few similar services, Wirex offers 0.5% in BTC back from every purchase you make in real shops. There is no limit, so you can count on a 0.5% permanent discount on purchases.

Wirex also has a mobile application for iOS and Android, where you can find complete account overview.


  • Card issuer: VISA
  • Headquarters: United Kingdom

The Cryptopay prepaid payment card is available for most European countries, the UK, Singapore, and Russia. It is one of the oldest and most expensive projects. 

Acquisition of a payment card will cost 15 USD, virtual 2.5 USD (for online payments).

As with Wirex, a monthly fee of $ 1 is associated with each card and can be denominated in GBP, EUR, or USD. The card supports Bitcoin, Ethereum, Litecoin, and XRP.

Cryptopay is an established service with more than 120,000 cards issued.

Those who are looking for anonymous solutions would be fine with the fact that this card’s financial operations are more expensive. Indeed, Cryptopay is one of the few services that does not require identity verification to some extent. If you do not plan to hold more than 1000 EUR on the card and you are not planning to withdraw more than 400 EUR per day from an ATM, you will be fine with the anonymous version. However, after identity verification, the limits disappear completely, the card can be used for transactions of any amount and the daily withdrawal limit is raised to 2000 EUR.

Although spending without limits sounds tempting, it will probably discourage you by a 3% currency conversion fee and a 1% charge on each deposit. (Monaco)

  • Card issuer: VISA
  • Head office: Malta, formerly Monaco, offers the most exciting benefits of all competitors. Users can earn up to 5% cashback, 100% back for Spotify and Netflix, and a 10% discount on accommodation through Expedia and Airbnb.

Of course, discounts are not free, but instead of a monthly subscription, the company requires a ‘lockout’ of a certain number of MCO coins in the application.

But with today’s $ 6.4 exchange rate per coin, it is clear that only a handful of us will reach most of the benefits. Who does the $ 320,000 lock in a foreign application cost to get a discount on accommodation?

Fortunately, even the lowest option, Midnight Blue, which costs nothing, offers 1% cashback on card purchases. It is possible to withdraw $ 200 per month from the ATM for free, the rest is being subject to a 2% fee.

The second card in line, Ruby Steel, offers 2% cashback for up to 50 MCOs ($ 310) and up to $ 10 cashback from Spotify. cards are not yet available in Europe, but that should change soon. So far, the card can only be obtained in Singapore, Asia.


  • Card issuer: VISA
  • Headquarters: United States

While the BitPay card is only available to US citizens, it is one of the longest-running services on the market (since 2011). Cards have been available since 2016 for all 50 US states, but are reported to be expanding to foreign markets.

The card only works with Bitcoin, which is converted to USD. Americans pay with the card for a free in their own country, but in foreign countries they have to pay 3% for a currency conversion and 3$ for cash withdrawals. BitPay is a simple card with no bonuses and complicated companion services, but its use is simple and the fee structure is clear. We hope its gonna appear in Europe once.


  • Card issuer: VISA
  • Headquarters: Singapore

The TenX service has been in operation since 2015, the ICO was organized in 2017 and the first payment cards were to be shipped in the first half of 2018. The service is linked to the TenX token, which represents shares in the company.

The truth is that, the first cards were sent in January 2019 and only to clients from Singapore, where competition is also present.

The fee structure of TenX ranks among the more expensive cards, it will cost $ 15 (virtual $ 1.5) and another $ 10 each year if you spend less than $ 1000.

There are several unique ideas for the project, including the COMIT Free Cryptocurrency Exchange and an interesting reward structure that was eventually omitted and its not going to happen anymore.

In fact, the original grandiose project is left only to a payment card that does not seem competitive.


  • Card issuer: Mastercard
  • Headquarters: Germany

Bitwala is the first real European bridge between retail customers and cryptocurrencies. Now, the citizens of all 31 European Economic Area countries can open a bank account that supports cryptocurrency and a credit card is attached to it.

By linking the card to a full-featured bank account, the card offers relatively high limits, and you can spend up to EUR 10,000 online and EUR 10,000 off-line per month.

Only 1500EUR can be spent daily, but the limit can be increased to EUR 5000 in the short term. The card itself does not cost anything and ATM withdrawals are not charged. You do not pay for account maintenance either.

However, the card cannot automatically convert Bitcoin to EUR, so you have to check if you have enough fiat currency on the card.

We did a separate article about Bitwala here.


  • Card issuer: Visa
  • Head office: USA

The Spend card supports 22 different cryptocurrencies, 27 fiat currencies and offers up to 6% cashback. Unlike most competitors, Spend offers a full-featured mobile app that allows both cryptocurrency and fiat currency exchange.

Spend offers three cards: Simple, Preferred and Black. Depending on the type of card, up to 6% cashback can be achieved with card payments and 4% with payments through the app.

You can spend BTC, BCH, ETH, ETC, Spendcoin, LTC, Polymath, XRP, XLM, DASH, ZCASH, BNB, ADA, EOS, TRON, QTUM, ARK, PaX, RVN, Cosmos, BAT and 0x.

The service is only available in the US, but expansion into the EU and Asia is planned.

– Luke –