Privacy-firstQuicko Sp. z o.o.mastercard● Live

Trustee Card

Name: Trustee Card
Brand: Quicko Sp. z o.o.
Availability: InStock

Custodial Mastercard prepaid card for EEA residents that converts BTC, ETH, and USDT to EUR at point-of-sale.

The Trustee Card is a crypto-funded prepaid Mastercard solution for EEA residents, enabling users to spend Bitcoin, Ethereum, USDT, and USDC at merchants worldwide. It operates via a custodial Trustee Plus wallet and a euro card issued by Quicko Sp. z o.o., a Polish regulated payment institution.

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Best for

EEA residents needing to spend BTC/ETH/USDT with 0% FX fees.

Skip if

You want cashback rewards or a non-custodial card.

Network

mastercard

Custody

custodial

KYC

full

Max cashback

0.00%

Min monthly fee

Apple Pay

Yes

Google Pay

Yes

Physical card

Yes

The verdict

What we like

0% foreign exchange fees on international purchases
€0 monthly maintenance fees
Real-time conversion with 0.5% fee
Supports Apple Pay and Google Pay
Instant virtual card issuance (90 seconds)
€0 virtual card issuance fee (promo)
5-year card validity
0% fee on top-ups from Trustee Plus

Watch outs

Supports only BTC, ETH, USDT, USDC
0% cashback on all spending

Spends BTC, ETH, and USDT with a 0.5% conversion fee.
Offers 0% FX fees and €0 monthly fees on a Mastercard-network card.
Custodial model issued by a Polish EMI, Quicko Sp. z o.o.

Basic information

The Trustee Card is a prepaid Mastercard for EEA residents that enables real-time spending from a custodial crypto wallet.

Card Type: Prepaid Debit
Network: Mastercard
Card Format: Virtual Card (via Quicko Digital). Physical Trustee-branded card is temporarily unavailable.
Base Currency: Euro (€)
Availability: European Economic Area (EEA) residents only.

Fees

The card has a transparent fee structure with a primary 0.5% fee for converting crypto to EUR at the point of sale.

| Fee Type | Cost | | ------------------------- | ----------------------------------------------------------------- | | Virtual Card Issuance | €0 (during promotional period) | | Physical Card Issuance | Temporarily unavailable | | Monthly Fee | €0 | | Inactivity Fee | €0 | | Crypto-to-EUR Conversion | 0.5% | | Foreign Exchange (FX) Fee | 0% | | ATM Withdrawals | 1.5% + €1.00 (only via separate Quicko Digital physical card) |

Spending & ATM limits

Atm Daily: €2,000 (physical card only via Quicko Digital)
Atm Monthly: €10,000 (physical card only via Quicko Digital)
Daily Spending: €5,000
Monthly Spending: €50,000

Features

Real-Time Conversion: Spends crypto directly at point-of-sale without pre-loading fiat.
Instant Virtual Card: Virtual card is issued in approximately 90 seconds via the Quicko Digital app.
Mobile Wallet Support: Integrates with Apple Pay and Google Pay for contactless payments.
Global Acceptance: Usable wherever Mastercard is accepted.
Zero FX Fees: No foreign exchange fees are charged on international transactions.
Integrated Ecosystem: Connects with the Trustee Plus wallet for crypto storage, swaps, and staking.

Rewards

The Trustee Card does not offer a direct cashback or rewards program on spending. * **Card Spending Cashback:** 0% * **Referral Program:** Users can earn 45% of Trustee's income from exchanges made by referred users, plus a bonus of up to €5 when the referred user orders a card.

Availability

Available in 29 EEA countries. Restricted in 7 countries including UK, US, Canada, Australia, Switzerland, Russia, Iran. Trustee does not serve Russian citizens at all.

Top-up & funding

Crypto (BTC, ETH, USDT, USDC)
Binance Pay

Real-time conversion at point of sale

Security & custody

Google Authenticator-based 2-factor authentication
PIN/biometric login for app access
3D Secure (Mastercard SecureCode) for online purchases
Transaction notifications
Ability to freeze/unfreeze card instantly via app
EMV chip security for physical card
HackenProof bug bounty program (up to $3,000 for critical vulnerabilities)
Built-in AMLBot address-screening service
PCI DSS compliance

Risk note. As a custodial service, users do not control their private keys. If Trustee ceases operations or restricts account access, users could lose access to their crypto assets.

Mobile wallets

Apple Pay—

Google Pay—

Samsung Pay—

Card tiers

Virtual Card (via Quicko Digital)

Cashback: 0%
Card material: Virtual only
Monthly limit: €50,000
Issuance fee: €0 (promotional period)
Requirements: EEA resident, KYC verification

Instant issuance (approximately 90 seconds)
Zero FX fees
Free maintenance
Can be added to up to 5 Apple/Google Pay wallets
5-year validity

Physical Card (Trustee-branded)

Cashback: 0%
Card material: Standard plastic with EMV chip, magstripe, and contactless
Monthly limit: €50,000
Issuance fee: Temporarily unavailable
Requirements: EEA resident with verified address, currently on waitlist only

Free shipping to EEA countries
7-14 days delivery
5-year validity
ATM access available

Banking services

● Iban

IBAN accounts issued by Quicko Sp. z o.o.

What users say

App Store

Approximately 4+ stars

Google Play

100k+ downloads

Trustpilot

Polarized - roughly half 5-star and half 1-star

Polarized pattern - many 5-star and 1-star ratings with few in between. Positive reviews highlight convenience, low fees, and seamless integration. Negative reviews mention account blocks, withdrawal issues, and slow customer support.

Risks & limitations

Risks

CounterpartyCustodial wallet model means Trustee holds private keys; if Trustee ceases operations, users lose access to their crypto
RegulatoryNational Bank of Ukraine ordered Trustee Global UAB to suspend certain financial services in Ukraine
MarketPolarized user reviews with roughly half 5-star and half 1-star ratings, suggesting severe problems when issues occur

Limitations

moderateLimited cryptocurrency support for card funding (only BTC, ETH, USDT, USDC)
moderateNo cashback or rewards program
majorExclusively available to EEA residents
moderateCustodial wallet model (Trustee holds private keys)
moderatePhysical Trustee-branded card temporarily unavailable (waitlist only)
moderateMixed user experiences with support responsiveness
minorTwo-app setup required (Trustee Plus + Quicko Digital)
moderateService restrictions in Ukraine due to NBU regulatory action

Roadmap

Recently shipped

Binance Pay integration added in early 2024
Physical cards introduced March 2025
Physical Trustee-branded card marked temporarily unavailable as of late 2025

Planned

Physical Trustee-branded card (currently on waitlist)

Best suited for

European crypto holders who want to spend digital assets without pre-conversion, frequent international travelers benefiting from 0% FX fees, and fee-conscious spenders who prioritize low transaction costs over rewards programs

Our verdict

The Trustee Card offers a straightforward, cost-effective solution for European crypto users to spend their digital assets in everyday life. Its primary strengths lie in its transparent fee structure (no monthly fees, 0% foreign exchange fees, 0.5% conversion cost, zero top-up fees) and seamless integration with the Trustee Plus wallet ecosystem through the Quicko Digital partnership. The virtual card is currently available free of charge during a promotional period, with instant issuance in approximately 90 seconds.

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