Classic
- Cashback
- 0.5% in USDC
- Card material
- Plastic
- Monthly limit
- €25,000
- Issuance fee
- €29 (one-time)
- Instant virtual card while physical ships
Rewards hunterUnlimit (Electronic Money Institution licensed in Cyprus)mastercard● Live
Holyheld Card
A non-custodial Mastercard debit card that spends crypto from 17+ chains by converting to a EUR balance.
Holyheld is a non-custodial Mastercard debit card that enables users to spend cryptocurrency in everyday transactions. Launched in 2023, it supports over 1,200 cryptocurrencies for direct conversion to euros and targets crypto natives who need to efficiently use digital assets for real-world purchases.
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Best for
EEA residents needing to spend crypto from 17+ chains with a non-custodial card.
Skip if
You need a card outside the EEA or want to avoid a €199 issuance fee.
Network
mastercard
Custody
hybrid
KYC
full
Max cashback
1%
Min monthly fee
$0
Apple Pay
Yes
Google Pay
Yes
Physical card
Yes
The verdict
What we like
- Non-custodial model for enhanced security
- Supports 1,200+ tokens on 17+ networks
- €0 monthly fee and 0% conversion fee
- USDC cashback without staking requirements
- Gasless transaction approvals
- Apple Pay, Google Pay, and SEPA integration
Watch outs
- Limited to residents of 30 EEA countries
- Up to €199 one-time issuance fee
- 2.5% foreign transaction fee
- €1,000/day ATM withdrawal limit
- €1 fee for EEA ATM withdrawals
- Non-custodial control of crypto but with a one-time issuance fee up to €199.
- Earns up to 1% USDC cashback but charges a 2.5% foreign transaction fee.
- Supports 17+ chains like Ethereum but requires manual crypto-to-EUR conversion.
Basic information
{"card_type":"Prepaid Debit Card","network":"Mastercard","card_material":"Plastic / Metal","virtual_card_availability":"Instant virtual card access is provided upon approval.","availability_summary":"Available to residents of 30 European Economic Area countries."}
Spending & ATM limits
- Notes
- Annual spending: €250,000. Annual ATM withdrawal: €60,000. Per PoS Transaction (Virtual Card): €5,000
- Atm Daily
- €1,000 per 24 hours
- Atm Monthly
- €5,000 per 30 days
- Daily Spending
- €10,000
- Per Transaction
- €5,000 (virtual card)
- Monthly Spending
- €25,000
Rewards
| Tier | Rate | Up to |
|---|---|---|
| Classic and Limited Edition | 0.50% | — |
| Metal | 1% | — |
Availability
Available in 30 European Economic Area countries. Restricted in 11 countries. Nationals of restricted countries are ineligible even if residing in a supported country.
Top-up & funding
- Crypto (via WalletConnect from personal wallet)
- SEPA transfers
Usually within seconds to minutes for crypto conversion
Security & custody
- Smart contract insurance up to $50,000
- 3D Secure (3DS) for online payments
- Instant card freeze/unfreeze functionality
- Real-time transaction notifications
- PCI-DSS Level 2 certification
- Biometric authentication
- Holyheld Passkey for secure access
- Bug Bounty Program via Hats Finance
Risk note. If the provider disappears, unconverted crypto in the user's personal wallet remains accessible, but any fiat balance held with the EMI partner could be lost.
Mobile wallets
Apple Pay Supported
Google Pay Supported
Samsung Pay Not supported
Card tiers
Limited Edition
- Cashback
- 0.5% in USDC
- Card material
- Virtual-only by default
- Monthly limit
- €25,000
- Issuance fee
- €99 (one-time)
- Exclusive digital card design
- Instant digital issuance
Metal
- Cashback
- 1% in USDC
- Card material
- Premium metal
- Monthly limit
- €25,000
- Issuance fee
- €199 (one-time)
- Premium design
- Higher cashback
Banking services
● Iban● Sepa Transfers
Personal Euro IBAN account for SEPA transfers. SEPA network integration for Euro transactions.
What users say
App Store
3.7/5.0 (3 ratings)
Trustpilot
3.3/5.0 (8 ratings)
User feedback indicates satisfaction with easy setup process, clean interface, and responsive support team. Multi-chain compatibility frequently cited as significant advantage. Not counted in overall rating due to low review counts.
Risks & limitations
Risks
- CounterpartyFiat balance held by regulated EMI partner - if provider disappears, fiat balance is lost
- SecuritySmart contract risk during on-chain interactions during conversion process
- RegulatoryAccount freezes for compliance reasons and verification delays for users with complex residency situations
Limitations
- majorCurrently limited to 30 European Economic Area countries
- moderate2.5% + €1 fee for transactions outside EEA
- moderateOne-time card issuance fees (€29-€199 depending on tier)
- moderateManual conversion required before spending (no automatic conversion at point of sale)
- moderateATM withdrawal limits (€1,000/day, €5,000/month) may be restrictive for heavy users
- minorAdditional fees for ATM operations, declined transactions, and administrative services
Roadmap
Recently shipped
- Fee schedule last updated on March 19, 2025
Planned
- Aptos network support
- Loopring network support
- Hyperliquid network support
Best suited for
Crypto-native professionals who receive income in cryptocurrency, DeFi traders and investors who want to maintain asset control, multi-chain users who work across various blockchain ecosystems, privacy-focused individuals who prefer non-custodial solutions, and European residents who need a compliant bridge between crypto and traditional finance.
Our verdict
The Holyheld Mastercard offers a compelling solution for crypto-native Europeans seeking to bridge their digital assets with everyday spending. For European crypto enthusiasts who value self-custody and operate across multiple blockchain networks, Holyheld elegantly solves the persistent challenge of bridging on-chain value with everyday financial life while maintaining security and control.
Ready to apply for the Holyheld Card?
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