Holyheld Card
by Holyheld
- Monthly fee
- Free
- Card fee
- $29.00
- Top-up fee
- 0.75%
- ID check
- ID verification
- Card
- Virtual + physical
- Phone pay
- Apple Pay, Google Pay
Our verdict
Holyheld links DeFi wallets to daily spending, with 1,201 supported cryptocurrencies on 6 networks. A personal IBAN also lets users receive salary or freelance income straight into the account.
What we like
- +1,201 cryptocurrencies across 6 networks
- +Personal IBAN for SEPA transfers and salary deposits
- +No foreign exchange fee
- +Gas covered on top-ups
- +Ranked #2 among non-custodial crypto cards
Watch out for
- −Virtual card costs 29 EUR, metal costs 199 EUR
- −Cashback of only 0.5-1%, versus 4% elsewhere
- −2.5% + €1 fee outside the EEA makes travel costly
- −No free ATM withdrawals
- −Accounts reportedly frozen during compliance reviews
7.4/10
Editor score
Good
5.8/10
User rating
Based on 37 sources
Lv 3
KYC Level
ID verification
Global
Availability
7 countries excluded
Card Overview
Rewards
- Cashback
- 1%
- Cashback Crypto
- USDC
- Staking Rewards
- —
- Staking APR
- —
- Welcome Bonus
- —
- Referral Bonus
- —
Fees
- Monthly Fee
- Free
- Card Issuance
- $29.00
- ATM Fee
- 1.5%
- FX Fee
- 2.5%
- Top-up Fee
- 0.75%
- Decline Fee
- —
Limits
- Daily Spend
- $10,000
- Monthly Spend
- $25,000
- ATM Withdrawal
- Unlimited
Card Info
- Card Type
- Physical Card, Virtual Card
- Card Network
- Visa
- Apple Pay
- Google Pay
KYC Requirements
Level: ID verification
- ✓Email verificationRequired
- ✓Phone verificationRequired
- ✓Identity documentRequired
- ✕Proof of addressNot Required
- ✕Selfie verificationNot Required
Community Sentiment
Community Score
5.8/10
Sourced from
European DeFi users like the genuinely non-custodial top-up flow, a conversion spread near 0.5%, no monthly fee, liquid USDC cashback and routing from Arbitrum, Base, Optimism or Polygon without manual bridging. Opinion sours on the 2.5% plus 1 EUR charge for non-euro spending, availability in only about 30 EEA countries and repeated WalletConnect signing failures. The most serious complaint involves sudden anti-money-laundering freezes on the euro balance held by partner Unlimit. One documented case locked 10,638 EUR and was escalated to CySEC after weeks without a reply from support.
Category Breakdown
Features
Supported Cryptocurrencies
Networks: Ethereum, Polygon, Arbitrum, Optimism, Base, Avalanche, BNB Chain, Fantom, Zksync
Frequently asked questions
Does the Holyheld Card require KYC?
Yes. Holyheld asks for id verification before issuing the card. A government ID is checked, usually alongside email and phone.
What fees does the Holyheld Card charge?
The card has a monthly fee of free, an issuance fee of $29.00, a top-up fee of 0.75%, an FX fee of 2.5%. See the fee table above for ATM and decline fees.
Does the Holyheld Card work with Apple Pay and Google Pay?
Apple Pay is supported and Google Pay is supported, according to the issuer.
Which countries can get the Holyheld Card?
It is available in most countries, except Australia, Canada, China, United Kingdom, Japan, Russia, United States.
Which cryptocurrencies does the Holyheld Card support?
ETH, USDC, USDT, MATIC, AVAX, ARB, OP, DAI, AAVE, UNI, LINK, BNB, FTM.
Last updated August 19, 2026, verified August 6, 2026.