Our verdict
Best for: European users who want self-custody but don't need cashback
Holyheld is non-custodial via WalletConnect, your keys, until conversion. Zero FX markup is genuinely useful for travel. But the realistic cashback rate of ~0.5% is the lowest of any card on the site that earns anything at all. Europe-only. If self-custody is your priority above all else and you're in the EEA, Holyheld is worth considering, but Gnosis Pay offers better cashback with equivalent custody principles.
Specifications
| Card network | Mastercard |
|---|---|
| Provider | UAB Holyheld Financial / Unlimit (Cyprus EMI) |
| Funding model | Self-custodial: funds stay in your wallet until spent |
| Settlement currency | EUR |
| Available in | 30 European countries |
| Supported chains | Ethereum, Polygon, BSC, Avalanche, Optimism, Arbitrum, Fantom, 17+ networks |
| Supported assets | 1200+ tokens including USDC, USDT, ETH, MATIC, AVAX, OP, ARB |
| Issuance fee | $32 |
| Monthly fee | $0 |
| FX markup | 0% |
| ATM fee | 2.5% + $1 |
| Top-up fee | 0.75% |
| Foreign transaction fee | 2.5% |
| Cashback | Up to 1% in USDC (realistic ~0.5%) |
| Cashback monthly cap | $125 |
| Daily spend limit | $10000 |
| Monthly spend limit | , |
| Daily ATM limit | $5000 |
| Last verified | 2026-04-30 |
What to watch out for
- Non-custodial: user controls keys until conversion via WalletConnect
- supports MetaMask, Coinbase Wallet, Ledger Live, Trust Wallet, Rainbow, Argent
- Cyprus IBAN included
- smart contract insurance up to $50000
- 0% FX fee
- 0.5% conversion is best-in-class
Editorial notes
- Three card tiers: Classic €29 / Limited Edition €99 / Metal €199 one-time
- pre-load required (manual conversion crypto-to-EUR)
- 2.5% + €1 fee on transactions outside Europe
- 0.75% top-up fee
- supports 1201 cryptocurrencies (highest in market)
- customer service rated 9.2/10
Frequently asked questions
Where is the Holyheld Card available?
As of 2026-04-30, Holyheld Card is available to residents of Europe. Specific country list: 30 European countries.
How does the Holyheld Card cashback work?
Holyheld Card offers up to 1% cashback paid in USDC. Classic 0.5% (cap 125 EUR/mo for entry-level); Limited 0.5%; Metal 1%; rewards in USDC, claim after 30 days, no expiry In practice, the realistic effective rate for most users is around 0.5%.
What are the fees on the Holyheld Card?
Holyheld Card has an issuance fee of $32, no monthly fee, no FX markup. See the spec table above for ATM and top-up fees.
Is the Holyheld Card self-custodial?
Yes. With Holyheld Card, your funds remain in your own wallet until each transaction is authorised. The card provider does not hold your assets.
Last verified 2026-04-30. Rates and availability change frequently. Always confirm with the issuer before signing up. See our methodology for how we collect and verify this data.