Updated 10 Jan, 2024

The Best Crypto Debit Cards in Europe

In a world where simplicity in financial transactions is more valued than ever, crypto debit cards are becoming a convenient bridge between digital and traditional spending. These cards allow you to use your cryptocurrencies just like regular money, without the need to sell them first. This guide takes a straightforward look at what crypto and Bitcoin debit cards offer, highlighting some of the most user-friendly and practical options available in Europe today, including Zeply’s accessible and easy-to-use Crypto Card.


Best Crypto Cards in Europe for 2024 Zeply

2024’s Top Picks: Your Ultimate Guide to Europe’s Leading Crypto and Bitcoin Cards

What is a Crypto Card?

A crypto card is a type of debit card that allows you to spend your cryptocurrencies directly, without the need for manually converting them into fiat currency. It operates just like a regular debit card but draws funds from your crypto wallet.

What is a Bitcoin Debit Card?

A Bitcoin debit card functions similarly to a crypto card but is specifically tied to your Bitcoin holdings. It simplifies the process of using Bitcoin for daily transactions, making this popular cryptocurrency more practical for regular use.

Difference Between Crypto, Prepaid, and Gift Cards

Crypto Debit Cards:
Direct Access: Linked directly to a cryptocurrency wallet, allowing real-time access to funds.
Market Adaptability: Enable real-time conversion of crypto to fiat currency at the point of sale, adapting to market fluctuations.
Wider Acceptance: Generally accepted wherever traditional debit cards are, offering greater flexibility in use.
Regulatory Compliance: Often come with the assurance of compliance with financial regulations, as seen with Zeply, a licensed VASP in the EU.
Prepaid Cards:
Fixed Value: Need to be pre-loaded with a set amount of money or cryptocurrency and recharged once depleted.
Limited Flexibility: May not offer instant conversion between crypto and fiat, potentially less useful during rapid market changes.
Usage Restrictions: Often have limitations on where and how they can be used, unlike traditional debit or credit cards.
Gift Cards:
Single-Use: Typically intended for one-time use and can be limited to specific retailers or services.
Non-Rechargeable: Once the balance is used, they cannot be reloaded; a new card must be purchased.
No Direct Crypto Link: Generally, they do not allow direct spending of cryptocurrencies and lack the financial integration of crypto debit cards.

One of the Best Crypto Cards in Europe in 2024

The Zeply Crypto Card is recognized for its comprehensive features and user-centric design, making it a popular choice among crypto enthusiasts in Europe. It offers a blend of convenience, security, and versatility, tailored to meet the evolving needs of digital currency users.

With Zeply, effortlessly top up or buy a range of leading cryptocurrencies – including BTC, USDT, USDC, DAI, SOL, ADA, XRP, Doge, LTC, and ETHwithout any additional fees. These digital assets become as easy to spend as any traditional currency, accepted globally wherever Visa is used. Additionally, this feature simplifies cash withdrawals while travelling, ensuring your crypto is as accessible and convenient as regular fiat money.

Established Credibility Since 2020:

Since its inception in 2020, Zeply has been providing thousands of customers with reliable wallet and exchange services. The company’s longstanding operation in the crypto space has built a foundation of trust and credibility, making it a preferred choice for users seeking a dependable financial partner.

Seamless Integration with Google Pay and Anticipated Apple Pay Feature:

Zeply enhances user convenience by enabling the purchase and top-up of crypto using Google Pay and Apple Pay, streamlining the process of managing digital currencies. Additionally, Zeply’s crypto card can currently be connected with Google Pay for contactless and online payments, with the integration of Apple Pay expected soon. This ensures that users enjoy a seamless and flexible spending experience, whether they are using their virtual or plastic Zeply card.

Comparing Top Crypto Cards in Europe

The European market offers a variety of crypto cards, each with unique features and benefits. Here’s a closer look at some of the key players:

Zeply Crypto Card

Embrace a new era of trust and convenience with the Zeply Visa Card, your reliable partner for seamless and instant access to cryptocurrencies for everyday spending.

Key Features:

  • Simple Top-Up with USDT (ERC-20 and TRC-20): Effortlessly fund your Zeply Card with USDT in both ERC-20 and TRC-20 formats.
  • Virtual and Physical Cards: Choose between the convenience of virtual transactions and the tangibility of a physical card.
  • Exclusively for EEA (European Economic Area) Citizens: Specifically designed for hassle-free transactions.
  • EU VASP License (Estonia): Zeply is licensed and regulated, ensuring compliance and security.
  • Spend Globally: Spend up to 15,000 EUR per month in various cryptocurrencies worldwide.
  • Wide Crypto Selection: Supports 10 of the most popular cryptocurrencies for diverse asset management.

Order the Zeply Card now.

The Zeply Card isn’t just a card; it’s a gateway to a world where cryptocurrencies are as convenient as traditional spending methods. Experience the ease of crypto for your everyday transactions with the Zeply Card today.

Wirex Card

Type: Both plastic and virtual versions are available. Features: Offers multi-currency accounts and real-time point-of-sale conversion. Notable for its cashback rewards in cryptocurrencies. Suitability: Ideal for users seeking flexibility in spending multiple currencies.

Coinbase Card

Type: Offers a Visa debit card. Features: Instant conversion of crypto to fiat for spending. Integrated with Coinbase account for easy access to funds. User Experience: Known for its strong security features and ease of use.

Crypto.com Card

Type: Visa debit card. Rewards: Offers cashback in CRO tokens, with perks like subscription service rebates. Specialty: Notable for high cashback rates and perks for staking CRO.

Uphold Card

Type: Virtual and physical card options. Versatility: Supports spending in multiple cryptocurrencies, national currencies, and precious metals. Unique Offer: Provides a comprehensive asset management platform.

Bybit Card

Type: Mainly virtual card offerings. Market Reach: Increasing presence in Europe with user-friendly features. Focus: Emphasizes accessibility and straightforward crypto spending.

Nexo Card

Type: Offers a crypto credit card. Financial Feature: Allows users to spend without selling their assets, using a credit line secured by crypto holdings. Advantage: No monthly/annual fees, with additional virtual cards.

SpectroCoin Card

Type: Both plastic and virtual card options. Conversion Ease: Direct conversion from crypto to fiat, useful for travellers. Regional Usage: Focused primarily on the EU market.

Trastra Card

Type: Visa debit card. Regional Benefit: Tailored for the EU market, offering seamless spending of crypto within the region. Features: Instant crypto to fiat conversion at point-of-sale.

Cryptowallet Card (Currently on Waiting List)

Type: Expected to offer both plastic and virtual card options upon release. Anticipated Features: Integration with Cryptowallet’s platform for streamlined management of crypto assets and potential features like instant crypto-to-fiat conversion at point-of-sale. User Expectation: Aimed at Cryptowallet users looking for an integrated experience that extends from managing cryptocurrencies to utilizing them in daily transactions. Status Update: As of the latest update, the Cryptowallet card is still in the waiting list process, with potential users eagerly anticipating its launch.

Binance Card (Note: As of December 2023, not available for EEA residents)

Type: Visa debit card. Global Usage: Was accepted globally and linked directly to Binance cryptocurrency accounts. Cashback: Previously offered up to 8% cashback in BNB on eligible purchases. Important Update: As of December 2023, the Binance Card is no longer available to residents of the European Economic Area (EEA).

Safeguarding Your Assets with Zeply’s Unmatched Security

At Zeply, safeguarding your assets with unparalleled security measures is our top priority. As a fully regulated entity in the EU, backed by a VASP license from Estonia’s Financial Intelligence Unit, we ensure a secure and trustworthy crypto experience. Discover more about how Zeply upholds the highest standards of regulation and compliance in the dynamic world of digital finance here.


Zeply’s launch of its innovative Crypto Visa Card marks a significant advancement in cryptocurrency transactions. As the digital finance world evolves, Zeply continues to lead, enhancing accessibility and pioneering new solutions in the crypto industry. Their Crypto Visa Card is more than a tool—it’s a step towards a future where digital and traditional finance merge seamlessly.

Order the card on Zeply.


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