Country guide
Looking for a crypto card in Netherlands? We track 130 cards worldwide, and 108 of them accept residents in Netherlands. Below is our ranked top 5, each with the scores, fees and trade-offs behind its position. Dutch users can fund most EU cards by SEPA or iDEAL through the issuer's app.
Data last verified: October 13, 2026
scored 0–10 · how we score
by Exactly · Visa
Why #1: Fixed-rate loans against crypto collateral
Best fee scoreWhy it's ranked #1
Exactly Visa Card holds the #1 spot in Netherlands with an editor score of 8.4/10. Its strongest dimension is fees (9.2/10), one of the cheapest fee structures among the 108 cards available in Netherlands. Community reviewers rate it 5.7/10 across 24 cited sources.
Exactly's Exa card offers fixed-rate loans via DeFi smart contracts so you can spend without selling. Visa Signature perks such as lounge access appeal to frequent travelers, but the DeFi mechanics take some learning.
Pros
Cons
Read the full Exactly Visa Card review →More cards from Exactly →
by Tuyo · Visa
Why #2: Self-custodial, with up to 11% APY on deposits
Best fee scoreWhy it's ranked #2
Tuyo Visa Card holds the #2 spot in Netherlands with an editor score of 9.4/10. Its strongest dimension is fees (9.5/10), one of the cheapest fee structures among the 108 cards available in Netherlands. That keeps it ahead of Karma Card (9.4 vs 8.5). Community reviewers rate it 7.5/10 across 22 cited sources.
Tuyo pairs self-custody with up to 11% APY, so your USDC keeps earning until you spend it. With no issuance or monthly fees and deposits from several chains, it is a strong pick for spenders who care about yield.
Pros
Cons
by Karma Wallet · Visa
Why #3: Self-custody with real IBANs and routing numbers
Best fee scoreWhy it's ranked #3
Karma Card holds the #3 spot in Netherlands with an editor score of 8.5/10. Its strongest dimension is fees (8.2/10), one of the cheapest fee structures among the 108 cards available in Netherlands.
Karma offers self-custody banking on Solana with genuine IBANs and instant settlement. Real-time FX and no hidden fees are appealing, but the platform is new and details on rewards are thin.
Pros
Cons
Read the full Karma Card review →More cards from Karma Wallet →
by Gnosis Pay · Visa
Why #4: First self-custodial Visa card of its kind
Best privacy scoreWhy it's ranked #4
Gnosis Pay Card holds the #4 spot in Netherlands with an editor score of 8.9/10. Its strongest dimension is privacy (9.2/10), one of the strongest privacy profiles among the 108 cards available in Netherlands. That keeps it ahead of Cardano Emerald Visa Card (8.9 vs 8.4). Community reviewers rate it 6.2/10 across 39 cited sources.
Gnosis Pay connects a Visa card straight to your own Safe wallet, so funds remain on-chain until you pay. It suits DeFi users who will not give up custody, though the 1.5% stabilization fee and regional limits narrow its appeal.
Pros
Cons
Read the full Gnosis Pay Card review →More cards from Gnosis Pay →
by Cardano Card (EMURGO) · Visa
Why #5: Up to 8% crypto cashback on purchases
Best fee scoreWhy it's ranked #5
Cardano Emerald Visa Card holds the #5 spot in Netherlands with an editor score of 8.4/10. Its strongest dimension is fees (8.8/10), one of the cheapest fee structures among the 108 cards available in Netherlands. Community reviewers rate it 5.8/10 across 48 cited sources.
The Cardano Emerald Visa Card brings ADA into daily spending, with up to 8% crypto cashback and support for 685+ cryptocurrencies through Wirex. It suits Cardano supporters, but it relies on a third-party platform and remains custodial for now.
Pros
Cons
Read the full Cardano Emerald Visa Card review →More cards from Cardano Card (EMURGO) →
108 cards
Ranked by user rating from Reddit, app stores and reviews. How we rate
The double or nothing card: a no-ID virtual Visa where every card payment comes back free or costs double, settled from public market prices.
Virtual card · Visa · Apple Pay & Google Pay
Spend USDT, USDC
A self-custodial secured Visa credit card where you lock USDC in an escrow contract you control and spend in USD, with low fees and Apple Pay or Google Pay support.
Virtual card · Visa · Apple Pay & Google Pay
Spend USDC, USDT, ETH, SOL
A premium virtual card that can be added to Apple Pay and Google Pay for in-person contactless spending, with no identity verification.
Virtual card · Apple Pay & Google Pay
Spend BTC, ETH, USDT, USDC, LTC +1 more
A Visa card with conversion fees around 0.32%, BTC cashback, one-minute KYC and automatic conversion of crypto into local currency.
Virtual + physical · Visa · Apple Pay & Google Pay
Supported coins not listed
An entry-level stablecoin card for everyday spending, with no annual fee and 2% cashback on purchases for holders of stablecoins.
Virtual + physical · Visa · Apple Pay & Google Pay
Spend USDT, USDC, USDe, PYUSD, RLUSD +2 more
A non-custodial Visa card that links on-chain stablecoin balances to everyday purchases, aimed at people who want their idle USDC to earn yield.
Virtual + physical · Visa · Apple Pay & Google Pay
Spend USDC, USDT
A high-limit physical Visa card with $1M monthly spend, $175K per transaction, ZYP points rewards and availability in 180+ countries.
Physical card · Visa · Apple Pay & Google Pay
Supported coins not listed
A business Visa card with uncapped cashback of up to 2%, unlimited virtual and physical cards, and sub-1% stablecoin conversion.
Virtual + physical · Visa · Apple Pay & Google Pay
Spend USDC, USDT
A privacy-centered virtual card for global spending, issued instantly by connecting a Web3 wallet with no personal information needed.
Virtual card · Visa · Google Pay
Spend USDC, USDT, DAI
A Kraken debit card with no FX fees across 400+ currencies, up to 1% cashback in fiat or BTC, and free ATM use from Kraken.
Virtual + physical · Mastercard · Apple Pay & Google Pay
Supported coins not listed
A premium card with gamified rewards in Shards and Stones, offering the fullest set of ZEN.COM platform perks.
Virtual + physical · Mastercard · Apple Pay & Google Pay
Spend BTC, ETH, USDT, LTC, SOL +8 more
An instantly activated virtual Mastercard with no KYC, funded with USDT and aimed at global spending, digital advertising and recurring subscriptions.
Virtual card · Mastercard · Apple Pay & Google Pay
Spend BTC, ETH, USDT, USDC, BNB +32 more
A virtual card for agencies and high-volume media buyers, with cashback on ad spend and tools for managing team members.
Virtual card · Visa · Apple Pay & Google Pay
Spend USDT, BTC
A non-custodial crypto card on Solana with a credit mode that spends against collateral and a deposit mode using USDC or USDT.
Virtual + physical · Mastercard · Apple Pay & Google Pay
Spend USDC, USDT
A premium Bitcoin banking card with 1% BTC cashback, no FX fees and a 0.1% BTC spread, offered by a licensed Gibraltar private bank for $1,000 a year.
Physical card · Mastercard
Spend BTC, USDC
A virtual USD prepaid card paid for with crypto and issued in the DigitalPurse app, with optional KYC and online or in-store use through Apple Pay and Google Pay.
Virtual card · Mastercard · Apple Pay & Google Pay
Spend BTC, ETH, USDT, USDC, LTC +1 more
A virtual Visa card paired with a self-custody crypto wallet, meant for people who want to keep their private keys while spending anywhere Visa works.
Virtual card · Visa
Supported coins not listed
A premium crypto payment card with financial services built in, aimed at wealthy users who want very high limits and concierge perks.
Virtual card · Visa
Supported coins not listed
A self-custody card from the MetaMask wallet, with a free virtual tier, a $199 per year metal tier and cashback paid in mUSD.
Virtual + physical · Mastercard · Apple Pay & Google Pay
Spend ETH, USDC, SOL
A Web3 crypto card with a 1.7% fee, a $400 monthly zero-fee quota, up to 8% APY on stablecoins and quick KYC with an ID and face check.
Virtual + physical · Mastercard · Apple Pay & Google Pay
Spend USDT, USDC
A DeFi-native credit card on Scroll that lets you borrow against ETH, eETH, USDC or USDT, with wETH cashback, gasless payments and tiered limits up to $100K per day.
Virtual + physical · Visa · Apple Pay & Google Pay
Spend ETH, USDC, USDT, EETH
A non-custodial debit card for the Polkadot ecosystem that lets Nova Wallet users spend DOT wherever Mastercard is accepted.
Virtual card · Mastercard · Apple Pay & Google Pay
Spend DOT
A self-custodial Visa card tied to a Safe smart contract wallet, with no conversion fee beyond gas, free ATM use and high daily limits for European DeFi users.
Physical card · Visa
Spend EURE, GBPE, USDCE
A Gnosis Pay card inside the Rebind app for spending EURe anywhere Visa works, with a personal IBAN, free IBAN transfers and non-custodial control.
Virtual + physical · Visa
Spend EURE, ETH, USDC
On our current scores, Exactly Visa Card ranks first among the 108 cards available in Netherlands, with 8.4 out of 10. Tuyo Visa Card and Karma Card follow.
Yes. 29 no-KYC cards accept residents of Netherlands, led by Maybe Card. Limits are lower and top-up fees higher than on verified cards.
46 cards available in Netherlands list EUR as a supported currency: Tuyo Visa Card, Gnosis Pay Card, Karma Card, Cardano Emerald Visa Card, Exactly Visa Card and others. Holding EUR avoids FX fees on local purchases.
