6 Best Crypto Cards for Everyday Spending in Europe
Introduction
Cryptocurrency has become part of everyday life, and in 2026, more Europeans than ever are looking for easy ways to use their digital assets for daily expenses. The answer lies in crypto cards — tools that combine the convenience of traditional payment systems with the freedom of digital finance.
Modern crypto cards let you spend Bitcoin, Ethereum, and stablecoins like USDC directly, while automatically converting them to euros or local currency at the moment of payment. Many also include features such as SEPA transfers, IBAN accounts, and instant crypto-to-fiat swaps.
In this ranking, we present the 6 best crypto cards for everyday spending in Europe, based on fees, functionality, availability, and user experience.
What to Consider When Choosing a Crypto Card
Before picking a crypto card, it’s worth checking several key aspects:
- Security: Look for cards with strong encryption, two-factor authentication, and biometric login to protect your assets.
- Supported currencies: The best cards support not only BTC and ETH but also popular altcoins and stablecoins like SOL, XRP, or USDC.
- Low fees: Pay attention to crypto-to-fiat conversion rates and card maintenance costs.
- Integration with IBAN and SEPA: Being able to receive and send euro transfers is a huge advantage for users in the EU.
- Ease of use: A modern interface, instant exchange options, and compatibility with Apple Pay or Google Pay make everyday payments seamless.
Ranking: The 6 Best Crypto Cards in Europe
1. Trustee Plus & Quicko Digital Card – The Most Complete All-in-One Solution
Best for: Everyday spending, SEPA transfers, and low fees.
Trustee Plus is more than a cryptowallet — it’s a complete financial ecosystem. It combines crypto management, instant exchanges, SEPA transfers, and a payment card (Quicko Digital) all in one app.
- Instant crypto-to-fiat swaps: Convert BTC, ETH, USDC, and other assets into euros 24/7, with funds available immediately.
- Personal IBAN: Generate a European IBAN directly in the app — ideal for paying rent, receiving transfers, or shopping online.
- Quicko Digital Card: Pay anywhere Visa or Mastercard is accepted, with instant crypto conversion. The card supports Apple Pay and Google Pay, has no monthly fees, and offers limits up to €50,000 per month.
In short: Trustee Plus functions like a crypto wallet and a European bank account in one. Recognized by Incrypted as the best wallet in Eastern Europe, it’s a top choice for anyone who wants to actually use crypto — not just hold it.
2. Binance Card
Best for: Frequent crypto traders and Binance users.
The Binance Card allows you to spend your crypto directly from your exchange balance. Supported assets include BTC, BNB, and USDT. Transactions are instantly converted to euros at competitive rates, and users enjoy up to 8% cashback on purchases. The card is available in most European countries and integrates smoothly with the Binance ecosystem.
3. Coinbase Card
Best for: Simplicity and reliability.
Issued by one of the most trusted crypto brands, Coinbase Card lets users spend crypto or fiat from their Coinbase account. It supports automatic conversion to local currency, contactless payments, and detailed expense tracking in the app. However, transaction fees are slightly higher than with some competitors.
4. Crypto.com Visa Card
Best for: Rewards and benefits.
Crypto.com’s Visa card comes with multiple tiers depending on how much CRO (the platform’s native token) you stake. Benefits can include Spotify or Netflix rebates, airport lounge access, and up to 5% cashback. It’s widely accepted across Europe, though staking requirements may be high for premium tiers.
5. Revolut Metal (Crypto-Enabled)
Best for: Users who want a hybrid between traditional and crypto banking.
While not a pure crypto card, Revolut Metal offers seamless integration between fiat and digital currencies. Users can buy, sell, and hold crypto directly in the app and spend via a stylish metal card. Its instant exchange and strong European banking infrastructure make it a convenient choice for everyday use.
6. Wirex Card
Best for: Everyday crypto payments and cashback.
The Wirex Visa card allows users to pay in over 150 currencies, both crypto and fiat, with up to 8% cashback in WXT tokens. It also supports SEPA transfers, contactless payments, and easy management through the mobile app. Wirex is FCA-registered and widely available across Europe.
Conclusion
Crypto cards are transforming how people use digital assets — making it possible to buy groceries, pay rent, or shop online with Bitcoin, Ethereum, or USDC just as easily as with euros.
Among the many options, Trustee Plus & Quicko Digital Card stands out as the most balanced and user-friendly solution, combining low fees, a personal IBAN, SEPA payments, and contactless crypto spending — all in one secure app.
Whether you’re an active crypto user or just starting your journey, these six cards make it easier than ever to spend your digital assets across Europe.
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