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EU CRYPTO CARDS · UPDATED

Best crypto cards in the EU 2026: fees, rewards and issuers compared

Ranked on published fees and issuer protection, cross-checked against the EU registers; never a paid placement. The brand on the front of a crypto card is almost never the regulated entity behind it, so every row below names the issuing Electronic Money Institution, its national regulator, and the card's live EEA status.

8 of the 9 crypto cards we track are live for EEA residents today. On the issuers' own published terms, OKX advertises the highest rewards rate (up to 10%, stated by issuer), and Gnosis Pay and Revolut are the only live cards whose free annual fee is verified in two independent issuer documents. Binance withdrew its EEA card (December 2023). Which card fits you depends on how you spend: every figure below is the issuer's own published term, labelled two-source verified, stated by issuer, or Not confirmed, with the exact source quote one tap away.

Which crypto card fits how you spend?

Showing 9 of 9 cards

Card Issuer & regulator Compare
Bitpanda Visa Card Available 1%Two-source verified"The applicable Cashback percentage is fixed at 1% of all Qualifying Transactions."View the cardholder terms"The Bitpanda Card offers you a cashback advantage: 1% in your selected asset if you use crypto as a payment method for your card."View the cashback page Not confirmed 2.5%Stated by issuer"Per payment | €00.00 plus 2.5% of the transaction value"View the fee schedule all Eurozone countries, except Cyprus & LiechtensteinStated by issuer"this card is available in all Eurozone countries, except Cyprus & Liechtenstein."View the cashback page Transact Payments Malta Limited
Malta Financial Services Authority (MFSA)
Bybit Card (Mastercard) Available Not confirmed Not confirmed Not confirmed Not confirmed Harmoniie SAS
Autorite de controle prudentiel et de resolution (ACPR), Banque de France
Coinbase Card Available up to 4%Stated by issuer"Starting this fall, earn up to 4% bitcoin back on every purchase with the Coinbase One Card."View the cashback page freeStated by issuer"Starting this fall, the card will be available to Basic annual members at no added charge."View the cashback page Not confirmed all EEAStated by issuer"This agreement (the “Agreement”) is for customers who reside in the European Economic Area."View the cardholder terms Paysafe Payment Solutions Limited
Central Bank of Ireland (CBI)
Crypto.com Visa Card Available up to 5%Stated by issuer"Up to 5% back on spending, local or overseas, with no minimum spending required"View the cashback page Not confirmed 0.2%Stated by issuer"Within the EU and UK: 0.2%"View the fee schedule all EEAStated by issuer"null"View the fee schedule Foris DAX MT Limited
Malta Financial Services Authority (MFSA)
Gnosis Pay Visa Card Available up to 5%Stated by issuer"Get up to 5% cashback* on card purchases, delivered weekly to your Gnosis Pay Safe."View the cashback page freeTwo-source verified"The EU deposit guarantee scheme will not apply under this Agreement and any funds processed under this Agreement are not protected by the EU deposit guarantee scheme. Please note that no interest is payable to you on the balance of Supported Funds stored on the Safe; nor do those Supported Funds constitute a deposit."View the cardholder terms"Card Order | FREE | FREE shipping of your physical card"View the fee schedule Not confirmed all EEATwo-source verified"In order to be eligible to use our Services, you must be at least 18 years old, a resident in the European Economic Area, and have successfully completed the onboarding process."View the cardholder terms"Gnosis Pay keeps its fees transparent and its limits clearly defined."View the fee schedule UAB Monavate
Bank of Lithuania (Lietuvos bankas)
OKX Debit Card Available up to 10%Stated by issuer"Earn up to 2% to 10% crypto cashback on eligible purchases."View the cashback page freeStated by issuer"We charge no transaction fees or FX fees."View the cashback page 0.1%Stated by issuer"A low 0.1% market spread applies when converting to fiat."View the cashback page all EEAStated by issuer"Built for Europe’s high regulatory standards."View the cashback page UAB Monavate
Bank of Lithuania (Lietuvos bankas)
Revolut Card (with crypto spend) Available 1%Stated by issuer"Earn 1% cashback on every purchase."View the cardholder terms freeTwo-source verified"No annual fee."View the cardholder terms"Free."View the fee schedule Not confirmed all EEAStated by issuer"This service is available in all EEA countries."View the cardholder terms Revolut Bank UAB
Bank of Lithuania (Lietuvos bankas) / European Central Bank
Wirex Card Available Not confirmed freeStated by issuer"No annual fee."View the cardholder terms 0.5%Stated by issuer"We charge a foreign exchange fee of 0.5%."View the cardholder terms all EEAStated by issuer"Available to all EEA residents."View the cardholder terms Transact Payments Malta Limited
Malta Financial Services Authority (MFSA)
Binance Visa Card Withdrawn in EEA Not confirmed Not confirmed Not confirmed Not confirmed Contis Financial Services (former issuer; programme withdrawn)
Bank of Lithuania (Lietuvos bankas)

Default order lists live cards alphabetically, withdrawn cards last; click a column header to re-sort. Sorting uses the displayed figure and keeps its evidence label; "Not confirmed" always sorts last. We never sell a position.

Check a specific card brand

Issuer mapped to the EU E-Money Directive and the EBA EUCLID register.

Or pick one:

Crypto.com Bybit Binance Bitpanda Coinbase Wirex Gnosis Pay Revolut OKX

Find my card: answer 4 questions →Not sure which fits how you spend? Issuer and protection first, never a paid placement.

Issuer data cross-checked against the EU registers

Why does the card issuer matter more than the brand?

  • The EMI holds your money, not the exchange

    The card balance is held and safeguarded by the issuing Electronic Money Institution under Directive 2009/110/EC, not by the crypto brand. If you want to know who is liable for your card payments, look at the issuer.

  • Issuers change, and cards get withdrawn

    Binance withdrew its EEA card entirely in December 2023. Bitpanda swapped issuers in 2025. The brand on the card is stable; the regulated entity behind it is not. We track the change.

  • EMI safeguarding is not deposit insurance

    Most crypto card balances are not covered by the EUR 100,000 Deposit Guarantee Scheme. The exception in our register is Revolut, whose EEA accounts sit at a licensed bank.

    EMI vs bank protection →

What should you check before choosing a crypto card?

Which EU crypto card has the lowest fees?

Gnosis Pay and Revolut are the only live cards whose free annual fee we could verify in two independent issuer documents. Several other issuers state a free card in a single document (labelled 'stated by issuer' in the table); anything we could not confirm reads 'Not confirmed' rather than a number. FX and ATM fees differ more than annual fees, so check those columns for how you actually spend.

Which crypto cards are still available in the EEA?

8 of the 9 crypto cards we track are live for EEA residents today: Bitpanda, Bybit, Coinbase, Crypto.com, Gnosis Pay, OKX, Revolut, Wirex. Binance withdrew its EEA card (December 2023). Availability changes; the status column is re-checked against the issuers' own terms and the EU registers.

Is my crypto card balance protected like a bank deposit?

Usually not. Most crypto cards are issued by an Electronic Money Institution, and EMI safeguarding under Directive 2009/110/EC is not the same as the EUR 100,000 Deposit Guarantee Scheme that covers bank deposits. The exception in this register is Revolut, whose EEA accounts sit at a licensed bank (Revolut Bank UAB). Check the issuer column, not the brand, to know which regime applies to your balance.

Who actually issues my crypto card?

Almost never the crypto brand on the front. Each card is issued by a regulated Electronic Money Institution or bank; the issuer column names that entity and links its national regulator. The issuer holds and safeguards the card balance, decides the fee schedule, and is the entity a complaint legally targets.

Popular side-by-side reads: Crypto.com vs Bybit · Bitpanda vs Revolut · Bitpanda vs Coinbase

Sources and independence

The Crypto Register is independent and advertising-supported; no issuer pays for placement or influences coverage. Issuer, regulator and status facts are verified against primary registers; fee and reward figures are the issuers' own published terms, each carrying its source document and exact quote in the table above. Last verified 18 July 2026.

  1. EBA EUCLID register, the EU-wide register of authorised Electronic Money Institutions and payment institutions behind each card.
  2. Directive 2009/110/EC (E-Money Directive), the safeguarding regime that applies to most crypto card balances.
  3. National regulator registers linked per row (MFSA, ACPR, Lietuvos bankas, CBI, BaFin), the home-state source for each issuer's authorisation.
  4. Issuer terms, fee schedules and reward pages, linked with exact quotes on every displayed figure via the source popovers.

Side by side

Issuer-published terms with their evidence labels; no scores. Follow each card link for sources and the full verdict.