Best Crypto Cards Europe: My 6-Month Experience Comparing

Gianluca Lombardi, 10 min read
Last Updated: 11 April, 2024

crypto debit card satoshi nakamoto

Ciao my crypto boys and girls,

Gianluca here to examine crypto debit cards for you.

After Binance announced they are about to discontinue our beloved EU debit card due to European regulatory issues, I spent the last 6-months testing out different alternatives – looking for a working solution that can fit the gap in my personal financial stack. Even though I have plans to keep testing more options, I have some decent findings to share as an update of this blog post.

As someone who frequently uses and writes about crypto, having a crypto debit card is quite convenient for accessing my funds to make everyday purchases and pay for my pasta and wine at Giuseppe’s and all over Europe.

I compare the best crypto card contenders, issued by trusted crypto exchanges side-by-side on:

  • Fees
  • Spending limits
  • Rewards
  • Security
  • Support

Crypto Debit Cards Available in Europe in my Test:

  • eToro Card: No monthly fees, up to 2% cashback in XLM and seamless crypto to fiat conversion.
  • Bybit Card: Up to 6% cashback on groceries, 5% on restaurants and 3% on other purchases, all paid in BTC.
  • Crypto com Midnight Blue: Rewards depending on the card tier.
  • Wirex Card: Offers 0.5%-2% rewards across different tiers, no annual fee.

Best Binance Card Alternatives: Crypto Cards Compared

The rewards rate is one of the most important factors when picking a crypto debit card. Here is an analysis of the cashback, rebates and other incentives provided by each card:

eToro Card

First up, let’s talk about the eToro card. This one impressed me with its sleek design and user-friendly app.

Setting up the card was a breeze and I was able to start using it within minutes.

One thing I really appreciated was the ability to instantly convert my crypto to fiat for purchases. The card supports a wide range of cryptocurrencies, which is a huge plus in my book.

The downside?

The card isn’t available in as many countries as some of the others, so that’s something to keep in mind.

I also found that the fees were a bit on the higher side compared to some other options out there.

etoro visa card


Key Features

  • Spend crypto or fiat – Load the card with USD, EUR, GBP or convert your crypto holdings (BTC, ETH, XRP, etc) into a spending balance.
  • Earn up to 2% cashback – Get up to 2% cashback on eligible purchases. Cashback is paid weekly in XLM.
  • Virtual and physical cards – Get a virtual card to start spending online right away. Physical card also available.
  • No monthly/annual fees – eToro covers the cost of card issuance and maintenance.

How It Works

  1. Sign up – Open an eToro account or log into your existing account and sign up for the card.
  2. Verify identity – Complete the KYC verification process.
  3. Convert crypto – Convert BTC, ETH, XRP etc to a spending balance (optional).
  4. Receive card – Activate the virtual card immediately. Physical card ships within 14 days.
  5. Spend anywhere – Use your eToro Visa card online, in-store, at ATMs, and anywhere Visa is accepted.

The eToro Visa card provides a flexible and convenient way for crypto investors to unlock the spending power of their assets. With competitive fees, strong security and cashback rewards, it is an excellent option for daily purchases and ATM access.


  • 2% cashback on eligible purchases
  • Cashback is paid weekly in XLM cryptocurrency
  • No staking or tier requirements

With $2000 in monthly spending, you would earn $40 in XLM rewards (2% of $2000).

In order to get a crypto card, you need to have an eToro trading account.

If you don’t have one, then you can open one here. It takes around 3 mins to get started.

Bybit Crypto Debit Card

Next, I got my hands on the Bybit card. I’ve got to say, this one surprised me.

The cashback rewards are some of the best I’ve seen and I found myself using this card more and more as my go-to for everyday purchases.

The app helps me to track my spending and rewards.

bybit mastercard crypto card

How the Bybit Card Works

  • The Bybit Card is a MasterCard prepaid debit card that lets you spend your crypto anywhere Visa is accepted.
  • It is tied to your Bybit exchange account – if you don’t have one, you can open one here.
  • To load funds on the card, you simply transfer supported cryptocurrencies from your Bybit account balance to your Bybit Card balance.
  • When you make purchases with the card, the crypto is converted to fiat currency seamlessly in real-time.

Bybit Card Rewards

  • 6% back on groceries
  • 5% back on restaurants
  • 3% back on other purchases
  • Rewards paid in BTC

With $2000 in monthly spending, you would earn $120 cashback on groceries, $100 on restaurants, and $30 on other purchases – rewards paid in BTC.

My verdict

The Bybit Card is a solid prepaid option if you want an easy way to directly spend your crypto from Bybit.

I noticed no card usage fees from Bybit’s side.

So basically this covers well my gap and I no longer missed the Binance debit card to spend my crypto in an efficient and convenient way in shops and… you guessed it right Italian restaurants. 🤌🤌

Go to Bybit’s website to apply for your card. Visa Cards with Crypto Rewards offer various cards relative to your CRO staked. Please note that I was able to test the Midnight Blue card myself. The rest of the information is from my app and I have not tested the rest of their cards as it seems a bit on the steep end.

crypto com card cards offer rewards scaled across 5 card tiers:

Card Tier CRO Stake Rewards
Midnight Blue None 0% CRO
Ruby Steel $400 1% CRO + Spotify
Jade Green $4000 2% CRO + Netflix + More
Icy White $40000 3% CRO + Prime + More
Obsidian $400000 5% CRO + Airport Lounge

With $2000 in monthly spending on a Jade Green tier card, you would earn $60 in CRO rewards (2% cashback) plus subscription rebates.

My Verdict on cards

Higher tiers earn more rewards in exchange for staking CRO. Great for big spenders who maximize perks.

Downside is – it requires token staking. Meh. 

Wirex Card

wirex card review

Wirex provides 0.5%-2% crypto rewards scaled across 3 card tiers:

Card Tier Cashback
Basic 0.5%
Pro 1%
Plus 2%

With $2000 in monthly spending on the Plus tier, you earn $40 in WXT rewards (2% back).

Our Verdict:

Decent cashback for a no annual fee card, but requires token staking for the highest rewards tier.

Apply for your Wirex card here.

Card Fee Comparison

Fees are another major factor that eat into potential crypto rewards. Here is an overview of the fees charged by each card provider:

Fee Types eToro Card Bybit Card Card Wirex Card
Monthly/Annual No No No No
ATM Withdrawal $200/month free, 1% after $2.50 2.99% $200/month free, after $2.50 + 3% international, $1.50 + 2% domestic
Inactivity Fees no no no 1.5% after 90 days

Overall great fee structure for physical and virtual debit cards tied to a crypto wallet.

Spending Limits Compared

bar charts for the monthly spend limit bar charts, monthly spending limits compared

Daily, monthly and annual spending limits vary widely across cards. Here is a bar chart and table comparison:

Card Daily ATM Limit Daily Spend Limit Monthly Spend Limit
eToro Card $1,000 $10,000 $25,000
Bybit Card €1500 €5,000 €15,000 Midnight Blue $200 $2,500 $5,000
Wirex Plus $1,000 N/A $25,000
limits by card and time period bar charts, all spending limits compared

The eToro and Bybit Cards provides excellent limits for daily ATM withdrawals and purchase amounts, making it highly usable as an everyday spending card.

Supported Cryptocurrencies Compared

  • Leading crypto devit card providers like and eToro offer extensive card services with generous rewards programs.

eToro Card Cryptos

  • Bitcoin (BTC)
  • Ethereum (ETH)
  • Litecoin (LTC)
  • Bitcoin Cash (BCH)

Bybit Card Supported Cryptocurrencies

  • Bitcoin (BTC)
  • Ethereum (ETH)
  • Tether (USDT) Card Cryptos

  • 40+ major cryptos including BTC, ETH, CRO, DOT, DOGE, SHIB, LUNA

Wirex Card Cryptos

  • Bitcoin (BTC)
  • Ethereum (ETH)
  • Litecoin (LTC)
  • Ripple (XRP)
  • DAI
  • WXT has the most support with 40+ coins. But review which assets you want to spend before deciding.

Reward Programs in 2024

bitcoin debit card

Many rewards cards require you to stake or lock up tokens to access higher rewards and benefits. For example:

  • cards require staking CRO
  • Higher Wirex rewards require WXT token staking

Staking involves locking up an amount of tokens to “stake” your interest in the ecosystem.

Holding period: Tokens are staked for a set time, often 180 days. You must continue holding the stake to keep card rewards.

Unstaking delays: There is usually a delay for unstaking tokens, such as 28 days with Plan staking carefully.

Staking rewards: Staked tokens often earn interest like a savings account. Rates may be from 6-12% APY.

Tier benefits: Higher staking tiers boost card rewards like cashback, lounge access, etc.

Risks: Staked tokens are at risk of price drops. Don’t overinvest in staked tokens.

Consider staking programs carefully before committing your crypto holdings. But used wisely, staking can be a productive way to maximize rewards.

How Do Crypto Cards Work?

A cryptocurrency card directly integrates with your cryptocurrency exchange wallet and allows instant conversion to fiat currency when making transactions.

This allows you to spend crypto anywhere major debit cards are accepted. When combined with cashback programs, crypto debit cards enable getting everyday utility from Bitcoin, Ethereum, BNB and other coins seamlessly.

Let’s review the comprehensive feature comparison between the top contenders and Binance alternatives.

Taxes and Bitcoin Rewards

Many cards offer great rewards like cashback, staking returns and sign-up bonuses. But are these rewards taxable?

Unfortunately, crypto debit card rewards do count as taxable income in most cases:

  • Cashback counts as income unless below certain limits
  • Staking rewards are taxed as investment income
  • Referral bonuses are taxed as income
  • Card sign-up bonuses are usually taxable

The taxes can be complex due to fluctuating crypto prices. You may owe capital gains taxes when you sell reward tokens at a profit.

Keep detailed records of:

  • Rewards received
  • Dollar value of rewards when received
  • Any gain/loss when you sold the tokens

It takes effort to properly account for crypto debit card rewards at tax time. But accurate tax records are essential to avoid problems with the IRS down the road.

Security and Fraud Protection for Cryptocurrency Cards

These cards can potentially store digital currency worth thousands of dollars potentially. Strong fraud protection is a must.

Here are some common protections:

  • Chip cards make counterfeiting nearly impossible
  • PIN codes to authorize transactions
  • Virtual card numbers for online purchases
  • Address verification ensures cards only ship to your registered address

You can also take steps to prevent fraud:

  • Never share card details except when making a legitimate purchase
  • Check statements often and report suspicious charges
  • Use unique PIN codes not used on any other cards
  • Set low daily limits on your card account for large purchases

Between issuer protections and smart account hygiene, card users can keep their funds safe and secure.

Security Feature Comparison

Since cards hold your valuable digital assets, security is critical. Here are some of the key security protections offered:

Security Features eToro Card Bybit Card Card Wirex Card
EMV chip card
3D Secure authentication
Disposable virtual cards
Biometric authentication
24/7 fraud monitoring
Contactless payments
Device binding
Transaction verification
Transaction notification alerts
2-factor authentication
AI transaction monitoring

All leading providers issue EMV chip cards with multi-factor authentication to verify transactions. Virtual card numbers provide added protection against fraud.

Compare the layers of security before deciding on a provider.

Customer Support Compared

Having strong customer support is essential for resolving any issues with your card, rewards or transactions. Here is an overview of the support provided:

Customer Support Options eToro Card Bybit Card Card Wirex Card
24/7 chat & email support
Email support tickets
Phone support
Active social media support
FAQ knowledge base
UK phone support

Most leading card providers offer 24/7 live chat and email access which is crucial for addressing time-sensitive issues. stands out with dedicated phone support.

Compare response times and access channels to gauge the quality of customer service.

How to Get a Crypto Debit Card in Europe

Acquiring a crypto debit card from leading providers like eToro, Bybit,, or Wirex is a straightforward process. Here’s a breakdown of how you can secure a Visa or MasterCard from these providers:

eToro Visa Card:

  1. Sign up for an eToro account, providing all necessary personal information and completing identity verification.
  2. Ensure you have sufficient funds in your eToro account by depositing fiat currency.
  3. Apply for the eToro Visa card through their platform, agreeing to the terms and conditions.
  4. Wait for approval; once accepted, you will receive your card and can activate it to start using it for transactions.

Bybit MasterCard:

  1. Create and verify your Bybit account if you haven’t already done so.
  2. Visit the card section within your account dashboard and begin the application process.
  3. Submit any additional documentation required for verification.
  4. After your application is approved, Bybit will issue your card, which you can then activate and use. Card:

  1. Download the app and complete the sign-up process, including KYC (Know Your Customer) verification.
  2. Purchase or deposit the stipulated amount of’s native token (CRO) to qualify for their card.
  3. Apply for the card within the app and lock in your CRO tokens to receive the card benefits.
  4. Upon approval, your card will be shipped to you. Activate it following the instructions provided.

Wirex Card:

  1. Register for a Wirex account and pass the KYC verification process.
  2. Link your cryptocurrency wallets or add fiat funds to your Wirex account.
  3. Order your Wirex card from within the app or website, providing any required additional information.
  4. Once your application is confirmed and your card delivered, activate it according to the instructions sent with the card.

For each of the cards, always review the user agreement, fee structure, and rewards program carefully before applying to ensure it meets your expectations and requirements. Also, maintain a secure environment for your personal information during the application process to protect against identity theft or fraud.

Conclusion: How to Chose the Best Crypto Debit Card

With this detailed side-by-side analysis of the eToro Card, cards, and Wirex Card – the eToro Card emerges as the best overall and best Binance alternative.

It combines excellent rewards, fee structure, limits, security, and support. The 2% unconditional cashback provides effortless crypto rewards on every purchase.

Competitive fees and high limits make it usable as an everyday spending card. And eToro’s security features and customer service give peace of mind.

For a complete binance card aalternatie solution, the eToro Card is hard to beat. Armed with this analysis, you can pick the perfect card for your needs and start spending crypto today.


ecoinomy average rating:


Assets Traded Stocks, Indices, ETFs, Currencies, Commodities, Cryptoassets
Max Leverage Up to 30:1 (varies by asset)
Trading Fees Spread 1%
Regulations EU, USA, UK, Austalia, Middle East
Cryptocurrencies 79+ BTC-Coin-IconETH-Coin-IconMIOTA-IconBCH-IconRipple-IconDASH-IconADA-Coin-IconEOS-IconLTC-IconNEO-IconXLM-IconZEC-IconEthereum-Classic-IconBNB-Icon
Payment Methods PayPal, Visa, MasterCard, Skrill, Neteller, SEPA, WebMoney
Number of Users 30 Million+

9.7/10 - Safety

9.1/10 - Fees

9.6/10 - Ease of Use

9.3/10 - Customer Service

Start here

Cryptoasset investing is highly volatile and unregulated in some EU countries. No consumer protection. Tax on profits may apply.

bybit logo

ecoinomy rating:


Max Leverage 100:1
Headquarters Dubai
Deposit Fees Card 2%
Trading Fees 0,075%
Cryptocurrencies 370 BTC kryptowaluta logoETH logo della criptovalutaBCH logo della criptovalutaRipple криптовалута логоADA криптовалута логоLTC криптовалута логоTezos криптовалута лого
Payment Methods Crypto, Visa, MasterCard
Number of Users 3.000.000+



Ease of Use

Customer Service

Start here

Frequently Asked Questions About the Best Crypto Card

Crypto debit cards allow you to spend your crypto anywhere cards are accepted. But how exactly do they work and what should you consider when getting one? Below we answer the most frequently asked questions.

What is a Crypto Card?

This is a debit card that is directly connected to your cryptocurrency balance. It allows seamless spending of crypto by automatically converting it to fiat currency on transactions. For example, when you spend $50, it will deduct the crypto equivalent from your wallet.

How Do Crypto Cards Work?

They work by instantly converting your crypto to fiat when you make purchases or ATM withdrawals. The crypto is deducted from your linked wallet, so you maintain ownership until the moment of payment. Many cards also offer rewards like cashback or crypto rewards when you spend.

Which is the Best Crypto Card in Europe?

The best crypto card in Europe and UK depends on your specific needs:

  • eToro: Great for seamless integration with eToro’s trading platform.
  • Bybit: Offers robust security and low fees, ideal for Bybit traders.
  • Rich in rewards and perks, best for heavy spenders.
  • Wirex: Supports multiple currencies, perfect for travelers.

Consider rewards, supported currencies, fees, ease of use, security, and customer support when choosing. Check that your chosen card is functional in your region and aligns with your financial activities.

What Cryptocurrencies Do Cards Support?

Most cards support major cryptocurrencies like Bitcoin, Ethereum, Litecoin and CRO. Top cards like support 40+ cryptocurrencies. Check that the card you choose is compatible with the crypto assets you own.

What Are the Benefits of Crypto Cards?

Benefits include:

  • Spend crypto anywhere major cards are accepted
  • Tap into crypto gains without selling holdings
  • Earn rewards like cashback and transaction fee discounts
  • Enjoy increased spending power from crypto appreciation
  • Retain ownership of crypto until you spend it

What Are Common Cryptocurrency Card Fees?

Expect no annual fees or monthly fees. Transaction fees are also rare. You may encounter:

  • ATM withdrawal fees (~3%)
  • Crypto liquidation/conversion fees (0.5-3%)
  • Inactivity fees if not used for 90+ days
  • Foreign transaction fees (0-3%)

What Are the Reward Rates for Crypto Cards?

Reward rates range from 1-5% typically. Some cards offer:

  • Up to 8% back in crypto
  • 5% cashback on spending
  • Rebates on services like Netflix and Spotify

Higher rewards come with higher card tier requirements generally.

What Are Cryptocurrency Card Purchase Limits?

Purchase limits span a wide range but can exceed $100,000+ daily. Entry-level cards start around $2,500 daily. ATM limits also vary greatly, from $200 to over $2,000 daily.

How Safe and Secure Are Cryptocurrency Debit Cards?

Cards enable you to spend crypto while retaining ownership until the transaction is authorized. They use EMV chip security and tokenization to prevent fraud. As long as you protect your card PIN, crypto debit cards are very safe to use.

What Is the Best Crypto Rewards Card?

The best crypto debit card depends on your spending habits and crypto holdings. Leading options include the card, Bybit card, eToro card and Wirex card. Compare rewards, fees, and limits to choose what fits you best.

Gianluca Lombardi

Gianluca is the editor-in-chief of this site. A finance graduate, he is an active trader who has tested all trading platforms and knows all their secrets. Technology is his passion; he spends much of his free time in the metaverse. Gianluca loves learning new things, researching, discussing and writing about technology, especially when it comes to cryptocurrency and blockchain technology.