DeFi maxiUnlimit Ltd.mastercard● Live

Simple.app Card

Name: Simple.app Card
Brand: Unlimit Ltd.
Availability: InStock

Hybrid Mastercard debit card with a custodial EUR version for the EEA and a non-custodial USDC version for global users.

The Simple Card is a crypto-backed Mastercard debit card offering custodial (EUR) and non-custodial (USDC) variants. The Custodial Simplecard serves EEA users, enabling direct spending of 24 supported cryptocurrencies with automatic euro conversion. The USDC Simplecard operates globally including the US, UK, and major APAC/LATAM regions, supporting direct spending from self-custody wallets. Both are virtual cards compatible with Apple Pay/Google Pay.

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Best for

EEA users needing a EUR IBAN, or global users wanting a non-custodial USDC card.

Skip if

You frequently make non-EEA purchases and want to avoid the 2.5% international fee.

Network

mastercard

Custody

hybrid

KYC

full

Max cashback

—

Min monthly fee

Apple Pay

Yes

Google Pay

Yes

Physical card

Yes

The verdict

What we like

No monthly or issuance fees
Non-custodial option for global users
High €15,000 daily transaction limit
12% APR interest on USDC deposits
Supports Apple Pay and Google Pay
Crypto-in/crypto-out for USDC card

Watch outs

2.5% fee on international transactions

Offers a non-custodial USDC card option for global users.
Charges a 2.5% fee on all international (non-EEA) transactions.

Basic information

The Simple Card is a crypto-backed Mastercard prepaid virtual debit card with two distinct variants: a custodial EUR card for EEA residents and a non-custodial USDC card with global availability. It allows users to spend 24 different cryptocurrencies, which are converted instantly at the point of sale. The custodial version includes a Euro IBAN account with SEPA capabilities. Both versions are virtual-only (physical cards are 'coming soon') and support Apple Pay and Google Pay.

Fees

Card Issuance: €0
Monthly/Maintenance: €0
Domestic (EU/EFTA) Purchases: 0%
International Purchases: 2.5%
Domestic ATM Withdrawals: First 3 per month free, then 2% fee
International ATM Withdrawals: €1.75 + 2.5% per withdrawal
Card Replacement: €20

Transaction Limits

Daily Transaction Limit: €15,000
Monthly Transaction Limit: €30,000
Daily ATM Withdrawal: €1,000
Monthly ATM Withdrawal: €4,000

Spending & ATM limits

Atm Daily: €1,000
Atm Monthly: €4,000
Daily Spending: €15,000
Per Transaction: €15,000
Monthly Spending: €30,000

Features

Custodial Simplecard: EUR-denominated card for EEA residents only. Includes an integrated personal Euro IBAN account with SEPA capabilities.
USDC Simplecard: Self-custodial USDC-denominated card with global availability, including the US, UK, and Switzerland.

General Features

Network: Mastercard
Card Type: Virtual prepaid debit (physical card announced as 'coming soon').
Supported Crypto: Spend from 24 cryptocurrencies including BTC, ETH, and SOL.
Mobile Wallets: Supports Apple Pay and Google Pay.
Spending Limits: High limits of €15,000 daily and €30,000 monthly.
Withdrawals: The USDC card supports crypto-in/crypto-out withdrawals back to a self-custody wallet.
Support: 24/7 human customer support.

Rewards

### Cashback * The card offers cashback rewards, but the specific rate is not publicly disclosed. ### Interest on Deposits * **Rate**: 12% APR interest is available on USDC stablecoins held in the account. ### Referral Program * **New User Bonus**: New users receive a random 2-100 USDC credit after their first spend. * **Referrer Rewards**: Referrers earn either the same random bonus or 30% of the invitee's trading commissions for one year.

Availability

Available in 191 countries. Custodial variant: EEA only. USDC variant: global including US, UK, Switzerland, APAC, LATAM. Key regions missing: United States, United Kingdom, Canada, Switzerland (for Custodial variant only - USDC variant available in US, UK, Switzerland).

Top-up & funding

Crypto (24 supported cryptocurrencies)
Custody wallet
Self-custody wallet (USDC Simplecard)

Security & custody

SSL Encryption
DDoS Protection (Cloudflare)
Password hashing
Two-Factor Authentication (mandatory for logins and withdrawals)
Cold Storage with multi-signature wallets
Device encryption
Cryptographic signing
Regular security audits
PCI DSS Compliance

Risk note. For the custodial variant, customer funds are held as e-money in segregated accounts by Unlimit Ltd., separate from operational funds. However, these funds are not covered by a deposit guarantee scheme.

Mobile wallets

Apple Pay Supported

Google Pay Supported

Samsung Pay Not supported

Card tiers

Custodial Simplecard (EUR)

Cashback: Not disclosed
Card material: Virtual only (physical coming soon)
ATM free: First 3 withdrawals per month free
Monthly limit: €30,000
Issuance fee: €0
Requirements: EEA citizens or residents with valid residency documentation

Integrated EUR IBAN account
Full SEPA capabilities
24/7 human customer support

USDC Simplecard (Self-Custodial)

Cashback: Not disclosed
Card material: Virtual only (physical coming soon)
ATM free: First 3 withdrawals per month free
Monthly limit: €30,000
Issuance fee: €0
Requirements: Global availability across supported countries (US, UK, Switzerland, APAC, LATAM)

Non-custodial/self-custodial
Crypto-in/crypto-out withdrawals
On-chain transaction details viewable

Banking services

● Iban● Sepa Transfers

Personal Euro IBAN account included at no cost for SEPA transfers (Custodial Simplecard only). USDC Simplecard does not include integrated IBAN account.

What users say

App Store

4.8/5

Google Play

4.3/5 (7,000+ reviews)

Trustpilot

4.3/5.0 (7,261 ratings)

Positive reception of clean UI and instant virtual card availability

Risks & limitations

Risks

CounterpartyE-money account not protected by deposit guarantee schemes
CounterpartyCustodial model risk for EUR variant

Limitations

majorCustodial EUR card exclusively available to European Economic Area residents
moderate2.5% fee on international (non-EEA) transactions
moderatePhysical cards not yet available (announced as 'coming soon')
moderateE-money account not covered by deposit guarantee schemes (Custodial variant)
minorLimited to EUR as the only fiat currency (Custodial variant)
minorNo integrated IBAN account or SEPA banking (USDC Simplecard)
minorExact cashback percentage and cap not publicly disclosed

Roadmap

Planned

Physical cards for both variants

Best suited for

European crypto holders seeking integrated EUR banking (Custodial variant) or global users prioritizing self-custody and crypto-in/crypto-out capability (USDC variant)

Our verdict

Simple Card offers two distinct Mastercard debit products: a custodial EUR card for EEA users with integrated SEPA banking, and a non-custodial USDC card for global users prioritizing self-custody. Both feature no monthly fees and high spending limits, but charge a 2.5% international fee. The custodial card is limited to the EEA, while the USDC card offers broader access but lacks banking features.

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