OWNR Card
by OWNR
- Monthly fee
- $1.50
- Card fee
- Free
- Top-up fee
- Not listed
- ID check
- Email and phone
- Card
- Virtual + physical
- Phone pay
- No
Our verdict
OWNR Wallet offers a crypto debit card as part of its wallet ecosystem. The Estonian company provides EUR-based Visa cards for European crypto users who want wallet and card in one place. Full KYC is required, availability is limited to the EU, and rewards are basic.
What we like
- +Wallet and card in one
- +Regulated in Estonia
- +Simple interface
- +Virtual and physical cards
- +Quick setup
Watch out for
- −Full KYC required
- −Available in the EU only
- −Few cryptocurrencies supported
- −Newer provider
- −Basic rewards program
4.9/10
Editor score
Poor
3.8/10
User rating
Based on 33 sources
Lv 2
KYC Level
Email and phone
Regional
Availability
0 countries
Card Overview
Rewards
- Cashback
- —
- Cashback Crypto
- —
- Staking Rewards
- —
- Staking APR
- —
- Welcome Bonus
- —
- Referral Bonus
- —
Fees
- Monthly Fee
- $1.50
- Card Issuance
- Free
- ATM Fee
- —
- FX Fee
- —
- Top-up Fee
- —
- Decline Fee
- —
Limits
- Daily Spend
- Unlimited
- Monthly Spend
- Unlimited
- ATM Withdrawal
- Unlimited
Card Info
- Card Type
- Physical Card, Virtual Card
- Card Network
- Visa
- Apple Pay
- —
- Google Pay
- —
KYC Requirements
Level: Email and phone
- ✓Email verificationRequired
- ✓Phone verificationRequired
- ✕Identity documentNot Required
- ✕Proof of addressNot Required
- ✕Selfie verificationNot Required
Community Sentiment
Community Score
3.8/10
Sourced from
Reviewers describe the OWNR Card as technically sound but commercially uncompetitive, a non-custodial route from crypto to fiat. The same weaknesses come up repeatedly: no cashback or rewards, a heavy fee stack (€30 issuance, €1.50 a month and a 4% crypto purchase fee), and strict AML and KYC enforcement that frustrates retail users. The non-custodial design earns praise from privacy-minded crypto users and freelancers who want to avoid centralised exchanges, and Apple Pay support is a real convenience. Against that, users report locked funds, authentication bugs that crash the app during 2FA, and gas fee confusion for newcomers. The card suits price-insensitive digital nomads and business clients better than everyday consumers.
Category Breakdown
Features
Supported Cryptocurrencies
Networks: Bitcoin, Ethereum
Frequently asked questions
Does the OWNR Card require KYC?
Yes. OWNR asks for email and phone before issuing the card. An email address and a phone number are verified, but no ID document.
What fees does the OWNR Card charge?
The card has a monthly fee of $1.50, an issuance fee of free. See the fee table above for ATM and decline fees.
Does the OWNR Card work with Apple Pay and Google Pay?
Apple Pay is not supported and Google Pay is not supported, according to the issuer.
Which countries can get the OWNR Card?
Availability is limited to specific regions; check the issuer's site for your country.
Which cryptocurrencies does the OWNR Card support?
BTC, ETH, LTC, USDT, DOGE, DASH.
Last updated August 19, 2026, verified August 6, 2026.