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Blackcat Card

Updated: Aug 11, 2026

Blackcat Card is a Mastercard payment card linked to Blackcat's euro payment account. The account and card issuance services are provided by Papaya Ltd., a licensed electronic money institution in Malta. Through the Blackcat App, users can manage a EUR IBAN, virtual card and plastic physical card for online shopping, in-store purchases, ATM withdrawals and mobile wallet payments. The platform also integrates a crypto wallet and exchange features, allowing users to convert supported digital assets into euros before making everyday card purchases from a separate euro account balance.
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Card network
Mastercard
Product type
Crypto-friendly bank account card
Card form
Virtual + physical card
Operating status
Active
KYC level
Full KYC
Commercial relationship
No commercial relationship
Risk score
80-89
Supported assets
BTC / ETH
Last updated
Aug 11, 2026

Official and company information

Issuer identity and company credentials

Blackcat is a digital financial services brand operated by Papaya Ltd, a Maltese e-money institution, offering euro IBAN accounts, SEPA transfers, virtual and physical Mastercard, fund management, and rewards for individuals and businesses. The Blackcat Mastercard is issued directly by Papaya Ltd under a Mastercard license; accounts are e-money accounts, not bank deposit accounts, and client funds are safeguarded in accordance with e-money regulations but are not covered by bank deposit protection schemes.
Visit website Application page
Company / issuer
Blackcat
Legal name
Papaya Ltd
Registered region
Malta (MT)
Headquarters
31 Sliema Road, Gzira GZR 1637, Malta**
Company type
Emi
Verification status
Verified
Issuer website
Official link
Application page
Application link

Card overview

Blackcat integrates a euro electronic money account, Mastercard cards, SEPA transfers, and crypto asset services in a single app. Its cards do not spend digital assets directly from a crypto wallet in real time. Instead, digital assets are first converted into EUR through the integrated crypto service and then spent using a payment card linked to the IBAN. The Main Card is the primary card for the account, and users can add a Standard Additional Card, Kids Card, and Family Card. Additional cards share the account balance but have separate card numbers and transaction records. The Kids Card also restricts certain MCC merchant categories, including gambling, alcohol, and adult entertainment. The cards use a credit-grade BIN on the Mastercard network but do not provide a credit limit or overdraft facility; actual spending remains limited by the available account balance.
Mastercard card experienceRegional availabilityTerms may change
Notice: No additional notice is available.

Card variants and fee differences

Compare verified fee records across card forms and tiers

Drag or swipe anywhere in the table to view every card; labels stay fixed

Blackcat Main Card
Blackcat Standard Additional Card
Kids card
Family Card
Card formVirtual + physical cardVirtual + physical cardVirtual + physical cardVirtual + physical card
Fees
Monthly fee
Free
Free when holding only one card
2 EUR
Charged when account has additional cards
2 EUR
Charged when account has additional cards
2 EUR
Charged when account has additional cards
Card issuance fee
Free
First account card free
7 EUR
Standard additional card issuance fee
7 EUR
Charged per additional card standard rate
7 EUR
Charged per additional card standard rate
ATM fee
1%
First €200/month free within EU, 1% above; 1% outside EU, min €1.50
1%
First €200/month free within EU; 1% above that; 1% outside EU, min €1.50
1%
First €200/month free within EU; 1% above that; 1% outside EU, min €1.50
1%
First €200/month free within EU; 1% above that; 1% outside EU, min €1.50
Foreign exchange fee
3%
No markup on four European currencies
3%
No markup on four European currencies
3%
No markup on four European currencies
3%
No markup on four European currencies
Top-up fee
3%
Bank card top-up 3%, SEPA or top-up code free
3%
Bank card top-up 3%; SEPA/top-up code free
3%
Bank card top-up 3%; SEPA/top-up code free
3%
Bank card top-up 3%; SEPA/top-up code free
Failed transaction fee————
Rewards
Cashback
0.5%
Cashback 0.5%, 2% or 5%, per rewards program
5%
Subject to rewards program; cashback rate 0.5%/2%/5%
0.5%
Subject to rewards program; cashback rate 0.5%/2%/5%
0.5%
Subject to rewards program; cashback rate 0.5%, 2%, or 5%
Crypto cashback————
Staking rewards————
Staking APR————
Welcome bonus————
Referral bonus
5%
5% on first successful transaction Referral reward 100% match, ambassador program only
5%
5% on first successful transaction Referral reward 100% match, ambassador program only
5%
5% on first successful transaction Referral reward 100% match, ambassador program only
5%
5% on first successful transaction Referral reward 100% match, ambassador program only
Limits
Daily spending limit————
Monthly spending limit————
ATM withdrawal limit
5,000 EUR
Daily €5,000, monthly €10,000, cumulative ATM withdrawal limit
5,000 EUR
Daily €5,000, monthly €10,000, cumulative ATM withdrawal limit
4,999.95
Daily €5,000, monthly €10,000, cumulative ATM withdrawal limit
5,000
Daily €5,000, monthly €10,000, cumulative ATM withdrawal limit
Card network
Drag horizontally to view other cards

Fees may vary by region, card tier, and official policy. Verify the latest official terms.

Regions and China applicability

Application status based on public sources, official policy, and user reports. This is not application advice.

Available regions

Applications or normal card activation are supported

30
GermanyDEFranceFRSlovakiaSKGreeceGRRomaniaROPortugalPTIrelandIENetherlandsNLDenmarkDKLatviaLVLithuaniaLTFinlandFIIcelandISHungaryHUMaltaMTBulgariaBGLuxembourgLUSpainESBelgiumBENorwayNOCzechiaCZEstoniaEEItalyITAustriaATCyprusCYSwedenSEPolandPLSloveniaSILiechtensteinLICroatiaHR
Evidence
Officially supported

Unsupported or restricted regions

Applications or features are unavailable or restricted

170
RussiaRUMalaysiaMYPakistanPKGreenlandGLNauruNRPapua New GuineaPGSt. Vincent & GrenadinesVCSt. Kitts & NevisKNCape VerdeCVTurkmenistanTMAngolaAOSão Tomé & PríncipeSTBruneiBNBurkina FasoBFColombiaCOEthiopiaETJamaicaJMMarshall IslandsMHYemenYENorth KoreaKPBurundiBIGuernseyGGFaroe IslandsFOAustraliaAUSan MarinoSMLaosLAMacaoMOMozambiqueMZIranIRSaudi ArabiaSALebanonLBOmanOMArmeniaAMSamoaWSTürkiyeTRNorth MacedoniaMKCongo - BrazzavilleCGAfghanistanAFBotswanaBWVatican CityVAChinaCNVenezuelaVETogoTGUruguayUYHondurasHNMaliMLBangladeshBDVietnamVNSyriaSYUnited Arab EmiratesAEDjiboutiDJTajikistanTJSt. LuciaLCSenegalSNArgentinaARDominican RepublicDOUgandaUGNigeriaNGKuwaitKWCameroonCMAlgeriaDZChadTDSeychellesSCEl SalvadorSVAntigua & BarbudaAGKyrgyzstanKGNew ZealandNZLesothoLSGuyanaGYEgyptEGAndorraADParaguayPYNigerNEUnited KingdomGBFijiFJBelizeBZBahamasBSSerbiaRSGabonGABrazilBRSomaliaSOIsraelILKazakhstanKZNepalNPTongaTOLibyaLYSierra LeoneSLChileCLMalawiMWPhilippinesPHKiribatiKIBhutanBTSouth SudanSSKenyaKECubaCUBarbadosBBTuvaluTVCambodiaKHAzerbaijanAZSouth KoreaKREquatorial GuineaGQMyanmar (Burma)MMBeninBJGambiaGMMoroccoMAEcuadorECSolomon IslandsSBMongoliaMNSri LankaLKIsle of ManIMMoldovaMDJapanJPJordanJOBahrainBHTanzaniaTZIndonesiaIDHong KongHKZimbabweZWMauritiusMULiberiaLRUkraineUACentral African RepublicCFMontenegroMEMauritaniaMREritreaERVanuatuVUZambiaZMPanamaPACanadaCAUzbekistanUZJerseyJEGuineaGNPeruPEBelarusBYGuatemalaGTSudanSDMaldivesMVNamibiaNAGrenadaGDIraqIQTunisiaTNBosnia & HerzegovinaBARwandaRWThailandTHComorosKMGhanaGHGuinea-BissauGWUnited StatesUSNicaraguaNISouth AfricaZAMonacoMCMadagascarMGMexicoMXSurinameSRTimor-LesteTLAlbaniaALHaitiHTIndiaINBoliviaBOTaiwanTWCongo - KinshasaCDTrinidad & TobagoTTSingaporeSGDominicaDMSwitzerlandCHCôte d’IvoireCICosta RicaCRGeorgiaGEQatarQAPalauPW
Evidence
Officially restricted

Unconfirmed regions

Evidence is insufficient

0

No records

Evidence
Public sources

China applicability

The source text is retained below.

Original

1、中国大陆：本地居民不能以中国大陆地址申请；合法居住于 EEA 并提交当地居留和地址证明者可申请。已持卡可在接受 Mastercard 的商户使用。

2、香港：本地居民不能以香港地址申请；合法居住于 EEA 并提交当地居留和地址证明者可申请。已持卡可在接受 Mastercard 的商户使用。

3、澳门：本地居民不能以澳门地址申请；合法居住于 EEA 并提交当地居留和地址证明者可申请。已持卡可在接受 Mastercard 的商户使用。

4、台湾：本地居民不能以台湾地址申请；合法居住于 EEA 并提交当地居留和地址证明者可申请。已持卡可在接受 Mastercard 的商户使用。

Updated: Aug 11, 2026

Policies may change at any time. Verify the latest issuer policy.

KYC requirements

Current identity-verification requirements and restrictions

KYC required

YesRequired

KYC level

Full KYCRequirement confirmed

Proof of address

YesRequired

Accepted documents

Passport / National ID / Temporary or permanent residence permit / Long-term D visa / Refugee certificate / Government-issued residence proof / Bank statement / Utility bill / EU lease agreement

Review time / regional limits

Most automated checks complete in minutes; manual review may take up to one business day.

KYC provider

SumSub

Updated

Aug 11, 2026

Payment compatibility

Support status and update date by payment scenario · Actual availability may vary by region, merchant, and issuer policy

Compatibility overview12 scenarios
Supported12
Not supported0
UpdatedAug 11, 2026

Wallet payments

Alipay

Supported

Aug 11, 2026

Wallet payments

Apple Pay

Supported

Aug 11, 2026

Cash services

ATM withdrawal

Supported

Aug 11, 2026

AI tools

ChatGPT

Supported

Aug 11, 2026

AI tools

Claude

Supported

Aug 11, 2026

Wallet payments

Google Pay

Supported

Aug 11, 2026

AI tools

Midjourney

Supported

Aug 11, 2026

In-person payments

Offline POS

Supported

Aug 11, 2026

Online shopping

Online shopping

Supported

Aug 11, 2026

Wallet payments

PayPal

Supported

Aug 11, 2026

Subscriptions

Subscription payment

Supported

Aug 11, 2026

Wallet payments

WeChat Pay

Supported

Aug 11, 2026

User reviews

Showing 10 approved reviews matched to this card

Newest first
Alexander Wonggoogle_play★ 1 / 5

Blackcatcard Google Play review - 1 star

app crash at ZTE nubia
View original
Mailotrustpilot★ 1 / 5

Reinfall

Leider funktioniert hier nur das Geld einzahlen auf die Blackcat Karte, nur man kann keine Überweisungen tätigen und damit auch nicht an der Supermarkt Kasse bezahlen. Somit eigentlich völlig nutzlos, wenn man über sein Geld nicht verfügen kann. Der Support hält einen nur hin. Wie kann es sein, dass ich Nachrichten auf Englisch senden muss? Haben die auf ihren Rechnern in der heutigen Zeit keinen Übersetzer? Das haben bereits die billigsten Smartphones. Desweiteren, wenn ich den Support über meinen Account anschreibe, sollten diese doch sehen, wer ihnen schreibt. Diese sagen jedoch, sie können mich nicht zuordnen und ich solle ihnen über meine E-Mail Adresse, welche verifiziert ist schreiben. Alles sehr komisch und nicht gerade seriös geschweige denn zeitgemäß. Was auch immer, aber ich brauche kein Konto und keine Karte, worauf man nur einzahlen kann, sein eigenes Geld aber nicht nutzen kann. Sorry, keine Zeit für sowas. Das ist weder Leistung noch Service. PS: das ich keine Überweisungen tätigen kann, könnte ich gerade noch so verschmerzen, aber wenn ich nicht Mal trotz Guthabens meine Karte nutzen kann, dann frag ich mich-was denn überhaupt noch funktionieren soll....
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Gaston Giosatrustpilot★ 1 / 5

Unreliable platform, arbitrary account closures, and unreturned deducted funds

Extremely disappointed with Blackcatcard (Papaya Ltd.). After using their service for internal and SEPA transfers and paying their associated transaction fees, they abruptly closed my account without providing any valid explanation or clear justification. To make matters worse, their system is technically unreliable. On one occasion, I executed a SEPA Instant transfer; due to a glitch on their platform, the transfer never reached the recipient, yet the funds were deducted from my available balance anyway. I had to manually notice the balance discrepancy and contact support with proof to demand my money back. Had I not kept strict track of my balance, those funds would have simply disappeared. Closing accounts arbitrarily while having history of system errors that result in unjustified fund deductions shows a complete lack of transparency and reliability. I do not recommend this platform to anyone looking for a stable European financial service
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IZ0 JUBtrustpilot★ 1 / 5

I have been trying to close my account…

I have been trying to close my account for over 6 months and still it hasn't been done. The chat online help is as usefull as a chocolate fire guard. If I could score them 0 stars I would. Avoid like the plague.
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Abdelmonime Biiouitrustpilot★ 1 / 5

Scammers

Opened an Account, got verified than recieved my rirst Transfer and now every Transaction gets cancelled (transfers, cart payment …) the Support reply claiming they look into it and they never do. Now it’s been 2 months and still didn’t got my money. Basicly u only be able to pur money into ur Account but than they Block IT
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Matheus Nardello Bacartrustpilot★ 1 / 5

golpe

Qualquer bônus inicial prometido na abertura da conta não é dado… mesmo insistindo no chat diariamente, se percebe que é enganação, até mesmo para fechar a conta criam problemas… feito basicamente pra te deixar preso com a conta aberta e tenho várias cláusulas se não uso com altas multas, fazem dinheiro dessa forma. Não abram conta!
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Francesco delgiudicetrustpilot★ 5 / 5

Ragazzi qualcuno mi sa dire come ha…

Ragazzi qualcuno mi sa dire come ha risolto con Blackcatcard e quanto tempo è passato? La live chat dicono sempre le stesse cose Ed io non riesco a fare nessuna transazione
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Mattia Tessitoretrustpilot★ 1 / 5

purtroppo non si possono mettere 0…

purtroppo non si possono mettere 0 stelle altrimenti l’avrei fatto. apro la carta è da poco che ce l’ho aperta per ricevere un bonifico da un’amica, fin qui tutto bene il bonifico arriva ma poi quando provo a pagare con apple pay al negozio non funziona provo a fare un bonifico verso un’altra mia carta ma nulla viene rifiutato tutto. l’assistenza mi dice sempre di aspettare che stanno risolvendo e ecc..ma è mai possibile che io non sono padrona dei miei soldi? non posso né spenderli fisicamente né online nulla e non hanno ancora risolto ormai sono giorni e ho i soldi bloccati lì che tra l’altro mi servono per cose importanti sono una persona diabetica e ho molte spese in medicinali. non la aprire assolutamente è solo una perdita di tempo e soldi.
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Robtrustpilot★ 1 / 5

Opened an Account

Opened an Account, got verified than recieved my rirst Transfer and now every Transaction gets cancelled ....the Support reply claiming they look into it is a lie ...if they would it would be solved already. Basicly u only be able to pur money into ur Account but than they Block IT and make money with ur money !! Scam bank
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Risk factors

Updated: Aug 11, 2026

No risk factors are available