Question 1

Which crypto card is cheapest to spend with in Europe?

Accepted Answer

Wirex One carries the smallest FX spread of the cards available in Europe at 0% above mid-market. That gap is what you pay every time a purchase settles, so it usually matters more than the headline cashback.

Question 2

How many crypto cards can you actually open from Europe?

Accepted Answer

9 of the cards we track accept applicants from Europe today: EtherFi, Bybit Card, Wirex One and Bitget Wallet and others listed on this page. Availability moves around, so we recheck the residency lists each month rather than trusting old marketing pages.

Question 3

Is cashback worth chasing in Europe?

Accepted Answer

EtherFi pays the highest base rate here at 3%. Compare that against its FX spread of 1% before switching. Cashback below the spread is a discount on a fee you did not need to pay.

Question 4

Can you keep your own keys while spending in Europe?

Accepted Answer

Yes. EtherFi, Wirex One and Bitget Wallet settle from a wallet you control at the moment the payment authorises, so there is no preloaded custodial balance sitting with the issuer.

Question 5

What does onboarding look like from Europe?

Accepted Answer

Nexo Card has the lightest process of the cards available here, 2 verification steps. Every card on this page still requires identity verification, because the issuing banks behind the Visa and Mastercard rails demand it.

#	Card	FX spread	Card cost	Base cashback	Custody	Setup time	Score
1	EtherFi	0.51%	Free	3% instant	Non-Custodial	~8 minutes	9.2/10
2	Bybit Card	2.9%	Free	2% paid in points	Custodial	Fast to apply, but heavily gated for South African applicants	7.4/10
3	Wirex One	1.18%	Free	0.5% paid in stables	Self-Custodial	~12 minutes	8.1/10
4	Bitget Wallet	0.51%	Virtual: Free \| Physical: $49 processing & shipping	Full FX fee refunded as cashback	Non-Custodial	~10 minutes	7/10
5	Oobit	1%	Free	1% (up to 10% on tiers)	Non-Custodial	~7 minutes	8.2/10
6	RedotPay	2.53%	$10	No cashback	Custodial	~12 minutes	7.2/10
7	Kast	2%	$2	1.5%, locked for 14 days	Custodial	~10 minutes	6.3/10
8	Nexo Card	0.2%	Free. Virtual needs $50 balance; physical free incl. shipping with Gold tier and $5,000+ portfolio	0.5% in NEXO or 0.1% in BTC (Base tier, Credit Mode, $5,000+ balance)	Custodial	Virtual card activates almost instantly	Not rated yet
9	MetaMask Card	1%	Virtual free; Metal $199/year (replacement $99)	1% in mUSD (Virtual)	Self-custodial	Virtual activates instantly	Not rated yet

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Crypto cards in Europe, questions we get asked

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