Mercuryo Nova x Mercuryo Card
by Mercuryo
- Monthly fee
- Free
- Card fee
- Free
- Top-up fee
- 1.5%
- ID check
- Full KYC
- Card
- Virtual
- Phone pay
- Apple Pay, Google Pay
Our verdict
The Nova x Mercuryo card is the first spending product built specifically for Polkadot. DOT holders can pay in the real world through a virtual Mastercard while keeping custody of their assets.
What we like
- +Built specifically around Polkadot (DOT)
- +Non-custodial spending through Nova Wallet
- +DOT converted to fiat at the point of sale
- +NFC payments via Apple Pay and Google Pay
Watch out for
- −Fewer supported assets than the standard Spend card
- −Only available in the European Economic Area
- −Level 4 KYC is mandatory
- −Inactivity fee after three months without use
6.2/10
Editor score
Fair
6.3/10
User rating
Based on 23 sources
Lv 4
KYC Level
Full KYC
Global
Availability
9 countries excluded
Card Overview
Rewards
- Cashback
- —
- Cashback Crypto
- —
- Staking Rewards
- —
- Staking APR
- —
- Welcome Bonus
- —
- Referral Bonus
- —
Fees
- Monthly Fee
- Free
- Card Issuance
- Free
- ATM Fee
- —
- FX Fee
- 1%
- Top-up Fee
- 1.5%
- Decline Fee
- $0.30
Limits
- Daily Spend
- $10,000
- Monthly Spend
- $40,000
- ATM Withdrawal
- Not available
Card Info
- Card Type
- Virtual Card
- Card Network
- Mastercard
- Apple Pay
- Google Pay
KYC Requirements
Level: Full KYC
- ✓Email verificationRequired
- ✓Phone verificationRequired
- ✓Identity documentRequired
- ✓Proof of addressRequired
- ✓Selfie verificationRequired
Community Sentiment
Community Score
6.3/10
Sourced from
Users see the card as an important step for Polkadot adoption, linking self-held crypto to regular Mastercard spending. The Nova Wallet interface and staking features get wide praise, and fees are seen as competitive at 1.5% for top-ups and 1% for FX, with Apple Pay and Google Pay supported. Friction appears on the Mercuryo side, where users describe strict KYC, automated support and AML fund freezes. The card is EUR-denominated and EEA-only, and users can spend yield from staked DOT, with reported returns of 15-18% APY. Real usage is still modest since the mid-2025 launch, and much of the available feedback comes from promotional or community sources. Expect some regulatory trade-offs and possible support delays.
Category Breakdown
Features
Supported Cryptocurrencies
Networks: Polkadot
Frequently asked questions
Does the Mercuryo Nova x Mercuryo Card require KYC?
Yes. Mercuryo asks for full kyc before issuing the card. Full verification: ID document, proof of address and a selfie or liveness check.
What fees does the Mercuryo Nova x Mercuryo Card charge?
The card has a monthly fee of free, an issuance fee of free, a top-up fee of 1.5%, an FX fee of 1%. See the fee table above for ATM and decline fees.
Does the Mercuryo Nova x Mercuryo 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 Mercuryo Nova x Mercuryo Card?
It is available in most countries, except Australia, Brazil, Canada, China, United Kingdom, India, Japan, Mexico, United States.
Which cryptocurrencies does the Mercuryo Nova x Mercuryo Card support?
DOT.
Last updated August 19, 2026, verified August 6, 2026.