Standard Virtual Card
- Cashback
- None
- Card material
- Virtual only
- Issuance fee
- €1.00 (or $1.00 for USD accounts)
- Requirements
- KYC verification
- Instant issuance
- Free Mobilum-to-Mobilum transfers in same currency
- Send feature
- Swap feature
DeFi maxiQuicko sp. z o.o.mastercard● Live
Mobilum Pay Card
Custodial Mastercard prepaid debit card for spending crypto and fiat in multiple currencies.
Mobilum Pay Card is a multi-currency Mastercard prepaid debit card that enables users to manage and convert cryptocurrency and fiat currencies for everyday spending worldwide. It is available in both virtual and physical formats and supports Apple Pay and Google Pay.
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Best for
International users needing multi-currency (EUR, USD, PLN) spending without staking requirements.
Skip if
You want cashback rewards or want to avoid per-transaction fees (€0.25).
Network
mastercard
Custody
custodial
KYC
full
Max cashback
0.00%
Min monthly fee
$1
Apple Pay
Yes
Google Pay
Yes
Physical card
Yes
The verdict
What we like
- Accepted on the global Mastercard-network.
- Supports Apple Pay and Google Pay integration.
Watch outs
- €0.25 per-transaction fee on every purchase.
- 2.5% foreign exchange fee on non-base currencies.
- Physical card delivery costs €3 to €40.
- Charges a €0.25 per-transaction fee and a 2.5% FX fee.
- Supports Apple Pay and Google Pay with one-tap integration.
Basic information
The Mobilum Pay Card is a multi-currency debit card solution designed to bridge the gap between cryptocurrency holdings and everyday spending. It functions through a custodial wallet system where users can manage both cryptocurrencies and fiat currencies, supporting balances in EUR, USD, or PLN. Users can load crypto directly and make instant transactions anywhere Mastercard is accepted globally. The card is available in both virtual and physical formats. Payment services and the card itself are provided by Quicko sp. z o.o., while Mobilum provides the app and technical services.
Fees
Mobilum's fees are transaction-based and vary by card type.
- Issuance Fee: €1.00 (Virtual), €7.00 (Physical)
- Monthly Maintenance: €0.50 (Virtual), €1.00 (Physical)
- Transaction Fee: €0.25 per transaction
- Foreign Exchange Fee: 2.5%
- ATM Withdrawals (EEA): €2.00 + 1% of amount
- ATM Withdrawals (non-EEA): €2.00 + 2% of amount
- Card Top-up (Credit/Debit): 2%
- Physical Card Delivery: €3 (post) to €15–40 (courier)
Spending & ATM limits
- Notes
- Users can set and change card limits in the app/Customer Panel. No stated restrictions on number of transactions.
- Atm Daily
- Not publicly specified
- Daily Spending
- No explicit daily spending cap advertised beyond card balance
Features
- Card Network: Mastercard
- Card Type: Prepaid Debit (Virtual & Physical)
- Mobile Wallets: Apple Pay and Google Pay with one-tap integration.
- Multi-Currency: Supports dedicated balances and cards for EUR, USD, and PLN.
- Global Acceptance: Usable at all Mastercard locations worldwide.
- Internal Transfers: The 'Send' feature allows instant, free transfers to other Mobilum users via phone number or Mobilum ID.
- Balance Management: The 'Swap' feature allows users to move funds between their currency balances.
- Loans: An in-app feature offers an instant balance boost via a loan.
Rewards
The Mobilum card focuses on utility rather than rewards and does not offer an ongoing cashback program or crypto rebates. Unlike many competitors, there are no native token staking or lockup requirements to access card features. Occasional promotions, such as a one-time €10 cashback for new users, may be available. The platform also supports free Mobilum-to-Mobilum transfers in the same currency.
Availability
Available in 27 European countries. UK residents cannot use Mobilum due to Brexit and need for UK FCA authorization. Service accessible worldwide excluding sanctioned nations.
Top-up & funding
- Crypto
- Fiat
- Credit/Debit Card
- Third-party/Open Banking
Instant transactions possible after conversion through the app
Security & custody
- Encryption
- Multi-factor authentication (2FA)
- PIN or biometrics for app access
- 3-D Secure for online transactions
- Freeze/unfreeze functionality
- Tokenization via Apple Pay/Google Pay
Risk note. If the provider ceases operations, users may lose access to their assets. No explicit cardholder fund insurance is mentioned.
Mobile wallets
Apple Pay Supported
Google Pay Supported
Samsung Pay Not supported
Card tiers
Standard Physical Card
- Cashback
- None
- Card material
- Standard plastic with EMV chip and contactless
- Issuance fee
- €7.00 (or $8.00 for USD accounts)
- Requirements
- KYC verification
- Global ATM access
- Free Mobilum-to-Mobilum transfers in same currency
- Send feature
- Swap feature
Loan & credit features
Instant balance boost with a loan directly to your account (available in app)
Credit card version announced as 'coming soon'. Mobilum now marketing wallet as having 'multi-currency debit and credit cards' but currently only prepaid debit option is available.
Banking services
Supports multiple fiat balance currencies (EUR, USD, PLN) with dedicated accounts/cards
What users say
App Store
4.3/5.0 (6 ratings)
Google Play
2.8/5.0 (115 ratings)
Trustpilot
2.4/5.0 (7 ratings)
Mixed reviews - positive feedback on global acceptance and functionality, common complaints about slow customer support, withdrawal difficulties, and account freezes
Risks & limitations
Risks
- CounterpartyCustodial model where Mobilum holds and manages all user funds. If provider ceases operations, users lose access to their assets.
- RegulatoryService subject to compliance with local regulations and sanctions. Mobilum reserves the right to restrict service in any jurisdiction due to regulatory changes or compliance requirements.
- MarketMixed user reviews on platforms like Trustpilot (2.5/5 score) with complaints about slow/unresponsive customer support, difficulties withdrawing funds, account freezes during re-verification, and technical issues with card declines.
Limitations
- moderatePer-transaction fee on all purchases (€0.25/transaction)
- moderateNo cashback or rewards program
- moderate2.5% foreign exchange fee for non-base currency transactions
- majorCustodial model with Mobilum managing user funds
- moderateMixed user reviews regarding customer support and withdrawals
- minorPhysical card delivery fees apply (€3–40 depending on shipping method)
- majorUK residents cannot use Mobilum despite UK not being explicitly listed as restricted (due to Brexit and need for UK FCA authorization)
Roadmap
Recently shipped
- Send feature for internal transfers via phone number or Mobilum ID
- Swap feature for moving funds between balances
- One-tap Apple Pay/Google Pay integration
- Customizable personal Mobilum ID (mID)
- Loan functionality
- Starting January 1, 2025, all fees deducted in real-time per transaction
Planned
- Credit Crypto Card (Mastercard)
- Referral Program
- Non-custodial DeFi-integrated wallet
- Banking-grade infrastructure enhancements
- Bitcoin banking suite with interest-earning (DeFi yields) and Bitcoin-backed loans
Best suited for
International travelers who need to access crypto funds globally, crypto earners wanting everyday spending access, multi-currency users, and those who prefer utility over token-based reward tiers without staking requirements.
Our verdict
Mobilum Card successfully bridges the gap between cryptocurrency holdings and everyday spending through its Mastercard-powered debit card solution. Its strongest features are its global reach, multi-currency support, absence of staking requirements, and regulatory compliance across multiple jurisdictions. However, the card's fee structure—particularly the per-transaction fee and absence of cashback—may be a drawback for frequent spenders. The ideal Mobilum user prioritizes global utility and compliance over rewards.
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