UCard Radar
Risk alerts

Card database / Mastercard / Crypto debit card

HHolyheld Card logo

Holyheld Card

Updated: Aug 3, 2026

The Holyheld Card is a crypto debit card connecting a self-custodial crypto wallet, a euro electronic money account, and the Mastercard payment network. Users can connect wallets including MetaMask, Phantom, Rabby, and Trust Wallet and convert USDC, USDT, and other liquid assets on supported networks into euros for spending through a virtual card, plastic physical card, or metal card. The product provides a personal IBAN, SEPA transfers, Apple Pay, Google Pay, ATM withdrawals, and up to 1% USDC spending cashback.
Submit usage feedback
Card network
Mastercard
Product type
Crypto debit card
Card form
Virtual + physical card / Virtual card / Virtual + metal card
Operating status
Active
KYC level
Full KYC
Commercial relationship
No commercial relationship
Risk score
80-89
Supported assets
USDT / USDC / ETH / BNB / AVAX / MATIC / DAI / EUR / AAVE / ARB / FTM / OP
Last updated
Aug 3, 2026

Official and company information

Issuer identity and company credentials

Holyheld is currently operated by Holyheld Labs AG, registered in Switzerland under number CHE-207.939.735, headquartered in Zug, and is a member of the VQF self-regulatory organization recognized by FINMA, overseeing crypto asset exchange and platform compliance. Euro e-money accounts and debit card services are provided by Unlimit EU Ltd, a Cypriot electronic money institution regulated by the Central Bank of Cyprus under license number 115.1.3.7. Holyheld Financial UAB participates in app release and card program integration. Mastercard provides the card network.
Visit website Application page
Company / issuer
Holyheld
Legal name
Holyheld Labs AG
Registered region
Switzerland (CH)
Headquarters
Original瑞士楚格
Company type
Fintech
Verification status
Verified
Issuer website
Official link
Application page
Application link

Card overview

Holyheld uses a structure combining a self-custody wallet with an electronic money account. Crypto assets remain in the user's own wallet before conversion, and Holyheld does not hold the private keys. After the user confirms an on-chain transaction, the assets are exchanged and transferred into a EUR account provided by a regulated payment partner, then spent through a Mastercard debit card. The account supports a personal IBAN, SEPA payments and receipts, $holytag transfers, and multi-network asset routing. The current cards are available in three tiers: Classic, Limited Edition, and Metal. The virtual card can be used immediately after approval, and eligible users can also apply for a plastic or metal card. The tiers differ mainly in their one-time price, card material, and USDC cashback rate.
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

Holyheld Classic Card
Holyheld Limited Edition Card
Holyheld Metal Card
Card formVirtual + physical cardVirtual cardVirtual + metal card
Fees
Monthly fee
Free
Free; 1 EUR/month after 3 months without transactions, idle cards charged from the fourth month
Free
Free; 1 EUR/month after 3 months without transactions, idle cards charged from the fourth month.
Free
Free; 1 EUR/month after 3 months without transactions, idle cards charged from the fourth month
Card issuance fee
29 EUR
One-time classic account price
99 EUR
One-time limited price.
199 EUR
One-time account price
ATM fee
1 EUR
Domestic 1 EUR; foreign 2.5% + 2 EUR; ATM operator may charge extra
1 EUR
Domestic 1 EUR; international 2.5% + 2 EUR. Only compatible with cardless cash terminals.
1 EUR
Domestic 1 EUR; foreign 2.5% + 2 EUR; ATM operator may charge extra
Foreign exchange fee
3%
3%; plus 2.5% + 1 EUR for foreign transactions; for non-EUR and outside Europe
3%
3%; international transactions additional 2.5% + 1 EUR. Non-EUR and outside Europe transactions.
3%
3%; plus 2.5% + 1 EUR for foreign transactions; for non-EUR and outside Europe
Top-up fee
Free
Zero fee for crypto-to-EUR conversion
Free
Zero fee for crypto-to-EUR conversion.
Free
Zero fee for crypto-to-EUR conversion
Failed transaction fee
Free
First 10 free; then 0.25 EUR; ATM 1 EUR; failed attempts reset monthly
Free
First 10 free; then 0.25 EUR; ATM 1 EUR. Failed attempts reset monthly.
Free
First 10 free; then 0.25 EUR; ATM 1 EUR; failed attempts reset monthly
Rewards
Cashback———
Crypto cashback
0.5%
Claimed thirty days after successful spending
0.5%
Claim 30 days after successful purchase.
1%
Claimed thirty days after successful spending
Staking rewards———
Staking APR———
Welcome bonus———
Referral bonus———
Limits
Daily spending limit
10,000 EUR
Accumulated per card calendar day
10,000 EUR
Accumulated per card calendar day.
10,000 EUR
Accumulated per card calendar day
Monthly spending limit
25,000 EUR
Per current account monthly limit
25,000 EUR
Per current account monthly limit.
25,000 EUR
Per current account monthly limit
ATM withdrawal limit
1,000 EUR
Daily 1,000 EUR; monthly 5,000 EUR; based on 24 hours and 30 days respectively
1,000 EUR
Daily 1,000 EUR; monthly 5,000 EUR. Requires compatible cardless cash terminals.
1,000 EUR
Daily 1,000 EUR; monthly 5,000 EUR; based on 24 hours and 30 days respectively
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

28
NetherlandsNLNorwayNOGreeceGRItalyITHungaryHUSlovakiaSKCyprusCYBulgariaBGBelgiumBEFranceFRCzechiaCZLatviaLVSpainESRomaniaROGermanyDELuxembourgLUFinlandFIAustriaATDenmarkDKMaltaMTLithuaniaLTCroatiaHRSloveniaSIEstoniaEEPortugalPTSwedenSEPolandPLIrelandIE
Evidence
Officially supported

Unsupported or restricted regions

Applications or features are unavailable or restricted

165
GrenadaGDPalauPWNigeriaNGEswatiniSZMyanmar (Burma)MMArmeniaAMSolomon IslandsSBUkraineUAHong KongHKBeninBJGabonGANew ZealandNZEcuadorECRwandaRWDominicaDMMoldovaMDMauritaniaMRZambiaZMTunisiaTNCôte d’IvoireCIEthiopiaETChileCLIranIRUnited KingdomGBBahrainBHTrinidad & TobagoTTSomaliaSOCambodiaKHNorth MacedoniaMKMozambiqueMZBosnia & HerzegovinaBATürkiyeTRTajikistanTJNicaraguaNITanzaniaTZArgentinaARCubaCUUnited StatesUSBruneiBNOmanOMEgyptEGBotswanaBWLiberiaLRVenezuelaVEMalaysiaMYMadagascarMGBahamasBSAustraliaAUNorth KoreaKPSierra LeoneSLPanamaPAUzbekistanUZComorosKMSerbiaRSGhanaGHDjiboutiDJUruguayUYBarbadosBBKyrgyzstanKGAntigua & BarbudaAGKiribatiKIMacaoMOGuyanaGYCape VerdeCVBangladeshBDAfghanistanAFVietnamVNRussiaRUIsraelILFijiFJAlgeriaDZYemenYEEl SalvadorSVLibyaLYCameroonCMCongo - BrazzavilleCGBoliviaBOMexicoMXLesothoLSNepalNPSt. LuciaLCVanuatuVUNauruNRTongaTOAngolaAOSwitzerlandCHPeruPESaudi ArabiaSASingaporeSGLaosLASeychellesSCTimor-LesteTLSan MarinoSMAzerbaijanAZSenegalSNMarshall IslandsMHKazakhstanKZCanadaCASamoaWSTurkmenistanTMIndonesiaIDThailandTHUgandaUGCentral African RepublicCFCongo - KinshasaCDZimbabweZWGuineaGNTuvaluTVKuwaitKWMauritiusMUChadTDBelizeBZColombiaCOSudanSDParaguayPYVatican CityVAJamaicaJMNigerNESri LankaLKSt. Vincent & GrenadinesVCSyriaSYMalawiMWDominican RepublicDOPakistanPKMongoliaMNTaiwanTWNamibiaNABurundiBIBurkina FasoBFGuinea-BissauGWMonacoMCGambiaGMSouth KoreaKRSão Tomé & PríncipeSTMaldivesMVGeorgiaGEHaitiHTLebanonLBBelarusBYEquatorial GuineaGQQatarQAGuatemalaGTSurinameSRKenyaKEChinaCNMaliMLMontenegroMEBhutanBTAlbaniaALMoroccoMASouth AfricaZAPapua New GuineaPGJordanJOHondurasHNSouth SudanSSEritreaERTogoTGCosta RicaCRAndorraADSt. Kitts & NevisKNUnited Arab EmiratesAEBrazilBRPhilippinesPHIndiaINJapanJP
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：不能申请 Holyheld 账户或卡片；Holyheld主要面向欧洲支付体系，已由支持国家发行的卡可在 Mastercard 受理商户使用并按境外费率结算。

2、香港：香港居民不能按本地地址申请卡片；已持有合资格欧洲发行卡的用户可在线上、线下及移动钱包受理场景使用

3、澳门：澳门居民不能直接申请电子货币账户和卡片；支持国家发行的实体卡可在当地 Mastercard 商户及兼容 ATM 使用。

4、台湾：台湾居民不能按本地居住资格申请；已持有支持国家发行卡的用户可在 Mastercard 商户及移动支付场景消费。

Updated: Aug 3, 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 card / Driver's license / Residence permit / Utility bill

Review time / regional limits

Most automatic verifications complete within minutes; abnormal documents are transferred to manual review and additional documents are requested.

KYC provider

Sumsub, iDenfy

Updated

Aug 3, 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 3, 2026

Wallet payments

Alipay

Supported

Aug 3, 2026

Wallet payments

Apple Pay

Supported

Aug 3, 2026

Cash services

ATM withdrawal

Supported

Aug 3, 2026

AI tools

ChatGPT

Supported

Aug 3, 2026

AI tools

Claude

Supported

Aug 3, 2026

Wallet payments

Google Pay

Supported

Aug 3, 2026

AI tools

Midjourney

Supported

Aug 3, 2026

In-person payments

Offline POS

Supported

Aug 3, 2026

Online shopping

Online shopping

Supported

Aug 3, 2026

Wallet payments

PayPal

Supported

Aug 3, 2026

Subscriptions

Subscription payment

Supported

Aug 3, 2026

Wallet payments

WeChat Pay

Supported

Aug 3, 2026

User reviews

Showing 10 approved reviews matched to this card

Newest first
Tomachainapp_store★ 5 / 5

La mejor tarjeta DEFI

Tarjeta de debito conectada a tu wallet sin custodia. Se diferencia de todas las demas, en que su sistema es el mas creíble, no hay token inventado, recompensas en USDC y modelo de negocio real ya que conran unicamente por el top-up con crypto. Felicitaciones
View original
SapoExplosiboapp_store★ 5 / 5

El banco que estaba buscando 👍

Lo uso desde hace un mes y hasta ahora me encanta todo. Muy fácil de entender como funciona este banco y no tiene ningún tipo de condiciones absurdas. Solo necesitas pasar KYC, instalar un monedero (metamask, rainbow, etc.), y puedes ingresar tus criptos a la tarjeta con un solo botón. Prefiero recargar con EURC, ya que siempre se convierte a Euro 1:1.
View original
AlexPolssapp_store★ 1 / 5

Don’t work

This message have all time: Thank you for completing the identity verification, your application is being reviewed now, please wait.
View original
Albert_clinicapp_store★ 3 / 5

Top up not working from the app

Can’t give 4–5 stars, because even though I love the app, the top-up function only works from desktop lately.
View original
Paulina from cryptonoshi.comtrustpilot★ 5 / 5

Great for Europeans, up to 1% cashback, non-custodial

If you're from Europe and need to connect your non-custodial wallet to offramp to EUR, this card has one of the most generous fee structures for Crypto to EUR. But if you plan to spend with it in another currency than EUR, beware of high foreign exchange fee, 2.5% + €1 (which is ~7.5% on €20 spend). The GOOD: Non-custodial, integrates with many wallets Only ~0.5% Crypto to EUR spread, no other fees. (Other cards have at least 2% on the same) Up to 1% cashback Apple Pay Enabled Awesome tech-savvy community & founders are cool (check it out on X) You get IBAN Account in your name The BAD: High fx fee. 2.5% + 1 EUR Supports only European countries for KYC Daily Spend limit is capped at 10k EUR
View original
Alphatrustpilot★ 1 / 5

This is a scam and blocked my account

This is scam, my account was blocked and can’t reach out to their customer service.
View original
Rudytrustpilot★ 1 / 5

I had a balance of €10,638 on my…

I had a balance of €10,638 on my Holyheld account. Suddenly, my account was blocked without any warning, and my balance was set to zero, without any email or explanation. Since then, no response from Holyheld despite multiple attempts to contact them. This is completely unacceptable, especially for a company based in Cyprus and subject to European regulations. I am currently filing a complaint with CySEC (the Cypriot financial regulator) and other European authorities to recover my money. I strongly advise against using Holyheld if you care about the safety of your funds.
View original
Antonis Gianedakistrustpilot★ 5 / 5

Excellent app

Well built working better than expectations. Swap, top up, pay everywhere financial tool connected with your crypto wealth. Kudos to the team for accomplishing it!
View original
Bentrustpilot★ 5 / 5

Great product

Great product, has been getting better and better since launch. Great flexibility with wallets and networks. Card and IBAN, good limits, low fees. When Metal!
View original
Djangogoogle_play★ 5 / 5

Holyheld Google Play review - 5 star

I think there is no better option than HolyeHeld at the moment. Wonderful rates, nice and fast support and great features. Simply perfect!!!
View original

Risk factors

Updated: Jul 21, 2026

No risk factors are available