Card to the Future

Closed. The card was discontinued on Oct-19, 2026 after the issuer closed accounts, per a review; Holyheld's own site now shows no card6,3

Illustration in the plan's colour, not the issuer's artwork

Holyheld Card

MastercardHybridKYC fulldebit

Holyheld was a Swiss-run, self-custody-first app whose EUR Mastercard debit card for EEA residents was funded by selling crypto from the user's wallet into an EMI euro balance. A review reports the card was discontinued on Oct-19, 2026 after its issuer, Unlimit, closed the accounts.

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9Card Score, #36 of 36
−$76You keep a year
F31Trust points of 100
89%Key fields with a source

Plans side by side

Classic
Limited Edition
Metal
Price
Monthly priceFree5Monthly maintenance fee per reviewNot confirmed by the issuerFree5Monthly maintenance fee per reviewNot confirmed by the issuerFree5Monthly maintenance fee per reviewNot confirmed by the issuer
Virtual card fee€295Card issuance one-time fee per review; Cryptonoshi lists 1 EUR virtual / 29 EUR physical, conflictingNot confirmed by the issuer€995One-time card feeNot confirmed by the issuer€1995One-time card feeNot confirmed by the issuer
Physical card fee€295Prices from a third-party review of Aug-11, 2026; the card is discontinued.Not confirmed by the issuer€995Prices from a third-party review of Aug-11, 2026; the card is discontinued.Not confirmed by the issuer€1995Prices from a third-party review of Aug-11, 2026; the card is discontinued.Not confirmed by the issuer
Staking needed05Not confirmed by the issuer05Not confirmed by the issuer05Not confirmed by the issuer
Rewards
Cashback0.5%5Paid in USDC, claimable after 30 daysNot confirmed by the issuer0.5%5Paid in USDC, claimable after 30 daysNot confirmed by the issuer1%5Paid in USDC, claimable after 30 daysNot confirmed by the issuer
Paid inUSDC5Not confirmed by the issuerUSDC5Not confirmed by the issuerUSDC5Not confirmed by the issuer
Earns onCard purchases5Not confirmed by the issuerCard purchases5Not confirmed by the issuerCard purchases5Not confirmed by the issuer
No cashback onATM withdrawals, fees, SEPA transfers, account-to-account transfers, declined or returned transactions, currency conversions5Not confirmed by the issuerATM withdrawals, fees, SEPA transfers, account-to-account transfers, declined or returned transactions, currency conversions5Not confirmed by the issuerATM withdrawals, fees, SEPA transfers, account-to-account transfers, declined or returned transactions, currency conversions5Not confirmed by the issuer
Vesting30 days before claimable; no expiry while account is active5Not confirmed by the issuer30 days before claimable; no expiry while account is active5Not confirmed by the issuer30 days before claimable; no expiry while account is active5Not confirmed by the issuer
Perks—5Limited Edition design5Not confirmed by the issuerMetal card5Not confirmed by the issuer
Fees
FX fee2.5% + EUR 1 per transaction5Applies to foreign (outside EEA) transactions. Paymentscan lists 2.5%; no real-payment test found.Not confirmed by the issuer2.5% + EUR 1 per transaction5Applies to foreign (outside EEA) transactions. Paymentscan lists 2.5%; no real-payment test found.Not confirmed by the issuer2.5% + EUR 1 per transaction5Applies to foreign (outside EEA) transactions. Paymentscan lists 2.5%; no real-payment test found.Not confirmed by the issuer
Crypto conversion fee0.5%50% Holyheld fee; market spread of about 0.5% may applyNot confirmed by the issuer0.5%50% Holyheld fee; market spread of about 0.5% may applyNot confirmed by the issuer0.5%50% Holyheld fee; market spread of about 0.5% may applyNot confirmed by the issuer
ATM fee2.5% international5Not confirmed by the issuer2.5% international5Not confirmed by the issuer2.5% international5Not confirmed by the issuer
ATM fixed feeEUR 1 in EEA; EUR 2 international5Not confirmed by the issuerEUR 1 in EEA; EUR 2 international5Not confirmed by the issuerEUR 1 in EEA; EUR 2 international5Not confirmed by the issuer
Inactivity feeEUR 1/month after 4 months of card inactivity5Not confirmed by the issuerEUR 1/month after 4 months of card inactivity5Not confirmed by the issuerEUR 1/month after 4 months of card inactivity5Not confirmed by the issuer
Decline feeFirst 10 per month free, then EUR 0.255Not confirmed by the issuerFirst 10 per month free, then EUR 0.255Not confirmed by the issuerFirst 10 per month free, then EUR 0.255Not confirmed by the issuer
Limits
Limit per payment€5,0005Virtual card, per online or point-of-sale transactionNot confirmed by the issuer€5,0005Virtual card, per online or point-of-sale transactionNot confirmed by the issuer€5,0005Virtual card, per online or point-of-sale transactionNot confirmed by the issuer
Spend limit a day€10,0005Not confirmed by the issuer€10,0005Not confirmed by the issuer€10,0005Not confirmed by the issuer
Spend limit a month€25,0005Not confirmed by the issuer€25,0005Not confirmed by the issuer€25,0005Not confirmed by the issuer
Spend limit a year€250,0005Not confirmed by the issuer€250,0005Not confirmed by the issuer€250,0005Not confirmed by the issuer
ATM limit a day€1,0005Not confirmed by the issuer€1,0005Not confirmed by the issuer€1,0005Not confirmed by the issuer
ATM limit a month€5,0005Not confirmed by the issuer€5,0005Not confirmed by the issuer€5,0005Not confirmed by the issuer

Real payments

Conversion spread paidCryptonoshi, Oct-28, 2026About 0.5% broker sell spread when converting crypto to EUR, no Holyheld fee6

What someone actually paid, which can differ from the advertised fee. Each test is one payment or a few, so treat it as a signal.

What you keep

Rewards you can spend+$60
Card fee, spread over 2 years−$16
FX fee on foreign spend−$60
Fees on every purchase−$60
Net a year, Classic plan−$76

$1,000 a month, 20% in a foreign currency, no staking. Change

Trust

Licence and regulator5 of 25

Holyheld Labs AG only holds Swiss self-regulatory-organisation membership for anti-money-laundering; e-money and the card came from a partner, reported as Unlimit (Cyprus EMI).2,5

Custody and fund protection9 of 20

Crypto stays in the user's wallet until sold, but the euro balance sits with the e-money partner, and one reported case shows funds locked after an AML review.2,7

Incidents in the last 24 months2 of 20

The card was discontinued on Oct-19, 2026 after the issuer closed users' accounts, per a review.6

Track record and verified volume6 of 15

Live since 2023 but Paymentscan shows no on-chain volume figures, and the card is now closed.4,5

Published fees and terms4 of 10

Terms do not name the issuer or list fees; fee detail was only found in third-party reviews, and the site no longer mentions the card.2,1

Support and user sentiment5 of 10

A review tested in-app chat with replies in 5 minutes to about an hour and rated it highly, but no phone line or published hours.6

Company

Legal entityHolyheld Labs AG (CHE-207.939.735), Zug, Switzerland2A review names UAB Holyheld Financial (Lithuania) as the operating company for the card
HeadquartersSwitzerland2
Websiteholyheld.com3

Issuer and licence

Card issuerUnlimit (Cyprus EMI)5Third-party review only; issuer terms do not name the partner. Paymentscan does not state an issuer
Program managerHolyheld Labs AG2Terms say e-money services are provided by Holyheld's Partners, not by Holyheld
LicencesEMI licence, Cyprus (as stated by a review)5Holyheld itself is a member of a Swiss self-regulatory organisation (VQF) for anti-money-laundering supervision
RegulatorVQF (Swiss SRO, for Holyheld Labs AG); Central Bank of Cyprus for the EMI per review2,5
NetworkMastercard4,5

The card

Statusclosed6,3The card was discontinued on Oct-19, 2026 after the issuer closed accounts, per a review; Holyheld's own site now shows no card
Launched2023-045Paymentscan says Mar-2023
Typedebit2
FormsVirtualPhysicalMetal5
Custodyhybrid2,5Crypto stays in the user's wallet until sold; the EUR balance is then held by the EMI partner
How custody worksHolyheld terms say it does not hold users' crypto; the euro balance and card sit with the e-money partner2
KYCfull5
Settles inEUR5
Card currenciesEUR5

Funding

Crypto acceptedUSDCUSDT2,3Terms: USDC is the asset for the exchange service; a review claims 1,200+ tokens via swaps
ChainsEthereumArbitrumOptimismPolygonzkSync EraAvalancheBaseGnosisBNB ChainSolanaStarknet5Review lists up to 20 networks; sources disagree
Fiat top-upSEPA5
Spends fromEUR balance after manual pre-load (sell crypto first)5,6

Payments

Apple Pay5
Google Pay4

Where it works

RegionsEurope (EEA)5
Countries305
United States6
EEA6Was available; now discontinued
Supported countriesAustriaAustriaBelgiumBelgiumBulgariaBulgariaCroatiaCroatiaCyprusCyprusCzechiaCzechiaDenmarkDenmarkEstoniaEstoniaFinlandFinlandFranceFranceGermanyGermanyGreeceGreeceHungaryHungaryIcelandIcelandIrelandIrelandItalyItalyLatviaLatviaLiechtensteinLiechtensteinLithuaniaLithuaniaLuxembourgLuxembourgMaltaMaltaNetherlandsNetherlandsNorwayNorwayPolandPolandPortugalPortugalRomaniaRomaniaSlovakiaSlovakiaSloveniaSloveniaSpainSpainSwedenSweden5
Excluded countriesAfghanistanAfghanistanAlbaniaAlbaniaCubaCubaIranIranIraqIraqNorth KoreaNorth KoreaPakistanPakistanSyriaSyriaTürkiyeTürkiyeUnited Arab EmiratesUnited Arab EmiratesVenezuelaVenezuela5Nationality restrictions per review

Account

IBANPersonal EUR IBAN (SEPA)5
Crypto loansNo4
OtherHolyheld's current individual account is invite-only, CHF 0 per year, with USD/EUR/GBP rails and no card1

Security

Two-factorMulti-factor authentication1
AuditsPCI DSS Level 11

App

Web app6
SupportIn-app chat6

Reputation

Common complaintsFunds locked by the euro-balance partner after AML review (one case of about EUR 10,000 escalated to the regulator, per a review aggregator), High FX fee on non-EEA spend7,5
Common praiseFast, competent support replies, Low crypto-to-EUR conversion cost6,5

Incidents and changes

Oct 2026The card was discontinued on Oct-19, 2026 after issuer Unlimit told users it could no longer offer accounts or cards and was closing them, per a review.6shutdown

More details

Fee schedule last updatedMar-19, 2025 (per review)5
Domestic paymentsFirst 100 per month free, then EUR 0.505
Gas fees on top-upSubsidised by Holyheld, per review5

Quick answers

What does the Holyheld Card cost?

The Classic plan: Free a month, €29 for a physical card.

How much cashback does the Holyheld Card pay?

0.5% on the Classic plan, paid in USDC.

What is the Holyheld Card FX fee?

2.5% + EUR 1 per transaction on the Classic plan.

Is the Holyheld Card custodial?

Hybrid. Holyheld terms say it does not hold users' crypto; the euro balance and card sit with the e-money partner

Is the Holyheld Card available in the US, the UK and the EEA?

US: no. UK: not stated. EEA: no.

How much do you keep with the Holyheld Card?

−$76 a year on the Classic plan at $1,000 a month with 20% in a foreign currency, after every fee.

Sources

  1. Holyheld individual pricing, issuer, Nov-05, 2026
  2. Holyheld Terms and Conditions (updated 01.07.2026), issuer, Nov-05, 2026
  3. Holyheld home, issuer, Nov-05, 2026
  4. Holyheld on Paymentscan, paymentscan, Nov-05, 2026
  5. Holyheld Mastercard review, updated Aug-11, 2026, review, Nov-05, 2026
  6. Holyheld Card review, Last Updated Oct-28, 2026, review, Nov-05, 2026
  7. Holyheld card overview (search summary only), other, Nov-05, 2026

Something wrong or out of date? Report it with a source.