Mobilum Card logo

Mobilum Card

MastercardcustodialKYC: required
2.0 / 5
Net Reward0.0
Availability1.5
Custody & Risk2.0
Features4.0
UX2.8
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. Available in both virtual and physical formats with Apple Pay and Google Pay support, it operates through a custodial wallet system where users can hold both crypto and fiat balances.
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Slug: mobilum-card

Our Verdict

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.

Pros and cons

Pros
  • No staking requirements for card access or benefits
  • Multiple cards available under one account (for different currencies)
  • Strong regulatory compliance across multiple jurisdictions (Poland, Lithuania, US, Canada, Australia)
  • Global acceptance at all Mastercard locations
  • Apple Pay and Google Pay integration with one-tap add functionality
  • Internal transfers via Send feature (phone number or Mobilum ID)
  • Swap feature for managing funds between balances
  • Loan functionality for instant balance boosts
Cons
  • Per-transaction fee on every purchase (€0.25/transaction)
  • No cashback or rewards program to offset fees
  • Custodial model with Mobilum managing user funds
  • 2.5% foreign exchange fee for non-base currency transactions
  • Mixed user reviews regarding customer support and withdrawals
  • Physical card delivery fees (€3–40 depending on shipping method)
Supported chains
BaseBitcoinEthereumTRON
Supported cryptos
AAVEARBBTCETHEURCLTCUNIUSDTXRP
Fees
Monthly: Virtual: €0.50; Physical: €1.00
Issuance: Virtual: €1.00 (or $1.00 USD); Physical: €7.00 (or $8.00 USD)
Atm Non Uk: €2.00 + 2% of amount
Purchase Transaction: €0.25 per transaction (€), $0.30 (USD), or 1.20 PLN
Key Features
  • Custodial wallet system for managing cryptocurrencies and fiat currencies
  • Supports multiple fiat currencies (EUR, USD, PLN)
  • Virtual and physical cards with Apple Pay/Google Pay integration
  • No staking requirements for card access
  • Regulated in multiple jurisdictions (Poland, Lithuania, US, Canada, Australia)
  • Global acceptance at Mastercard locations
  • Multiple cards available under one account
  • Free transfers between Mobilum users in same currency
  • Send feature for instant transfers via phone number or Mobilum ID
  • Swap feature to move funds between balances
  • Loan functionality for instant balance boosts
Limitations
  • Per-transaction fee on all purchases (€0.25/transaction)
  • No cashback or rewards program
  • 2.5% foreign exchange fee for non-base currency transactions
  • Custodial model with Mobilum managing user funds
  • Mixed user reviews regarding customer support and withdrawals
  • Physical card delivery fees apply (€3–40 depending on shipping method)
  • UK residents cannot use Mobilum despite UK not being explicitly listed as restricted (due to Brexit and need for UK FCA authorization)
Risks
  • Counterparty
    Custodial model where Mobilum holds and manages all user funds. If provider ceases operations, users lose access to their assets.
    Explicitly stated in Self-Custody section
  • Regulatory
    Service 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.
    Stated in Geographic Availability section
  • Market
    Mixed 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.
    User Feedback section
Rewards & Cashback
Notes: Occasional promotions such as one-time €10 cashback for new users after first top-up upon account verification. Referral program listed as 'coming soon'.
Cashback Rate: None - no cashback or rewards program
Spending 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
Top-Up Methods
CryptoFiatCredit/Debit CardThird-party/Open Banking
Processing Time: Instant transactions possible after conversion through the app
Banking & Financial Services
Supports multiple fiat balance currencies (EUR, USD, PLN) with dedicated accounts/cards
Credit & Loan Products
Loan Products
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.
Security Features
Features: 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
Insurance: No explicit cardholder fund insurance mentioned
Mobile Wallet Support
Apple PayGoogle PayiOSAndroid
Best 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.
Custody Model
custodial
Custodial wallet system where Mobilum holds and manages all private keys and user funds. Users interact via app; crypto is loaded into custodial wallet before spending.
Risk: If provider ceases operations, users lose access to their assets.
Card Issuer & Compliance
Issuer Name: Quicko sp. z o.o.
Kyc Required: true
Issuer License: National Payment Institution KNF IP52/2021 under supervision of Polish Financial Supervision Authority
Platform Licenses: Mobilum Pay sp. z o.o. (Poland): Lending Institution RIP000584,Mobilum Tech UAB (Lithuania): Virtual Currency Exchange Operator #306247099,Mobilum Tech UAB: Money Services Business (MSB) registered with AUSTRAC (Australia),Mobilum Tech UAB: PSP undertakings with Bank of Canada under RPAA,Mobilum Inc. (USA): FinCEN MSB #31000258001314,No Limit Payments Ltd (Canada): FINTRAC MSB #M23423032,No Limit Payments Ltd: PSP undertakings with Bank of Canada under RPAA,Parent Company Mobilum Technologies Inc.: Publicly traded on Canadian Securities Exchange (CSE: MBLM)
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.
Card Tiers
Standard Virtual Card
Virtual onlyVirtual only
KYC verification
Fees
Issuance: €1.00 (or $1.00 for USD accounts)
Top-up: 2% (credit/debit card) or ~0.99% (third-party/open banking)
Monthly: €0.50
MastercardApple PayGoogle Pay
Cashback: None
Instant issuanceFree Mobilum-to-Mobilum transfers in same currencySend featureSwap feature
Standard Physical Card
PhysicalStandard plastic with EMV chip and contactless
KYC verification
Fees
Issuance: €7.00 (or $8.00 for USD accounts)
Top-up: 2% (credit/debit card) or ~0.99% (third-party/open banking)
Monthly: €1.00
MastercardApple PayGoogle Pay
Cashback: None
Global ATM accessFree Mobilum-to-Mobilum transfers in same currencySend featureSwap feature
User Ratings
2.4/5.0 (7 ratings)
Trustpilot
2.8/5.0 (115 ratings)
Google Play
4.3/5.0 (6 ratings)
App Store
Mixed reviews - positive feedback on global acceptance and functionality, common complaints about slow customer support, withdrawal difficulties, and account freezes
Roadmap & Updates
Planned Features:
  • 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
Recent Updates:
  • 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
Conclusion
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 including Poland, Lithuania, the United States, Canada, and Australia. Unlike competitors that require users to stake native tokens for benefits, Mobilum focuses on utility and accessibility, positioning itself as a straightforward solution for both individual crypto users and businesses seeking crypto payroll solutions. However, the card's fee structure—particularly the per-transaction fee and absence of cashback—may be a drawback for frequent spenders. Additionally, customer support responsiveness and fund withdrawal processes have been pain points for some users, suggesting the service is still maturing as a financial product. The ideal Mobilum user prioritizes global utility and compliance over rewards—someone who wants to spend their digital assets without the friction of exchange-to-bank transfers and values the ability to use crypto for everyday purchases worldwide, with the added convenience of instant peer-to-peer transfers and multi-currency management.
Card launched: 2023-2024 (physical cards began rolling out mid-20
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