Card database / Mastercard / Crypto-friendly bank account card

Blackcat Card

Updated: Sep 14, 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.

Submit usage feedback

Card network
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: BTCETH
Last updated: Sep 14, 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.

Usage scale & trends

Usage data is not available for this card yet. It will appear here when 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

	BBlackcat Main Card	BBlackcat Standard Additional Card	BBlackcat Kids Card	BFamily Card
Card form	Virtual + physical card	Virtual + physical card	Virtual + physical card	Virtual + 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 language support

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

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

No records

Evidence: Public sources

Availability in English-Speaking Markets

1. United States：Cannot apply，Can use，Blackcat issues its Mastercard only to EEA residents, so U.S. residents cannot obtain the card; an eligible EEA-issued card can be used in the United States where Mastercard is accepted.

2. United Kingdom：Cannot apply，Can use，The UK is outside the EEA and is therefore not eligible for Blackcat card issuance; an eligible EEA-issued card can be used in the UK where Mastercard is accepted.

3. Canada：Cannot apply，Can use，Canada is outside Blackcat’s EEA-only card issuance area; an eligible card issued to an EEA resident can be used in Canada where Mastercard is accepted.

4. Australia：Cannot apply，Can use，Australian residents are outside the EEA and cannot obtain the Blackcat card on the basis of Australian residence; an eligible EEA-issued card can be used in Australia.

5. South Africa：Cannot apply，Can use，South Africa is outside Blackcat’s EEA-only card issuance area; an eligible EEA-issued Mastercard can be used there for supported merchant and ATM transactions.

6. New Zealand：Cannot apply，Can use，New Zealand residents are not eligible for card issuance because Blackcat currently limits cards to EEA residents; an eligible issued card can be used in New Zealand.

7. Ireland：Can apply，Can use，Ireland is an EEA member state, so eligible residents can obtain the Blackcat card after identity, address and residency verification.

Updated: Sep 14, 2026

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

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

Review

Read the editorial review, its verdict and latest update.

No review yet

No review has been published for this card. Published reviews appear here.

User reviews

Showing 10 approved reviews matched to this card

Newest first

Te Apgoogle_play★ 1 / 5Sep 14, 2026

Blackcatcard Google Play review - 1 star

cant log in since over 3 weeks. uninstalled and reinstalled the app. on wifi and data both. try new login but it just keeps giving and error saying otp expired. dont know what to do.

Official reply

Dear Te Ap, We regret that we are unable to complete your registration at this time. Remote identification is a complicated technical process. Please follow recommendations offered by the system during registration or contact Support right from the App (registration is not required). Best regards, Blackcatcard Team

View original

Zhu YFgoogle_play★ 1 / 5Aug 16, 2026

Blackcatcard Google Play review - 1 star

Every time I open the app, I'm asked to enter my phone number and OTP again.

View original

Alexander Wonggoogle_play★ 1 / 5Aug 9, 2026

Blackcatcard Google Play review - 1 star

app crash at ZTE nubia

View original

Mailotrustpilot★ 1 / 5Aug 4, 2026

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....

View original

Gaston Giosatrustpilot★ 1 / 5Aug 3, 2026

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

View original

IZ0 JUBtrustpilot★ 1 / 5Aug 1, 2026

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.

View original

Abdelmonime Biiouitrustpilot★ 1 / 5Jul 28, 2026

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

View original

Gczvhubnkapp_store★ 5 / 5Jul 26, 2026

Anna

View original

Matheus Nardello Bacartrustpilot★ 1 / 5Jul 24, 2026

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!

View original

Francesco delgiudicetrustpilot★ 5 / 5Jul 23, 2026

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

View original

Risk factors

Updated: Aug 11, 2026

No risk factors are available

Frequently asked questions

Answers drawn from the published record on this page.

Does Blackcat Card require KYC?

Our record lists the Blackcat Card verification requirement as: Full KYC. Document and review details are in the KYC section of this page.

Does Blackcat Card support Apple Pay and Google Pay?

Apple Pay: Supported. Google Pay: Supported.

Which assets can I top up Blackcat Card with?

Our record lists Blackcat Card support for: BTC and ETH.

Is Blackcat Card a virtual or a physical card?

Blackcat Card is offered as: Virtual + physical card.

Where is Blackcat Card available?

Our record lists 30 countries or regions as available and 170 as restricted. Country-by-country status is in the regions section of this page.

Who issues Blackcat Card?

Blackcat Card is operated by Blackcat on the Mastercard network.