Honestly, I didn’t understand for a long time how a cryptocurrency card differs from a regular bank card. At first glance, everything looks the same – you pay and that’s it. But here’s the point: a regular card works with one fiat currency, while this thing allows you to spend digital assets directly in everyday life. You just take it and pay for coffee with Bitcoin or a stablecoin. It sounds strange, but it works through automatic conversion – during the payment, crypto is instantly converted into fiat, and the seller receives regular money. For us Ukrainians, this is really a salvation, to be honest.
First, I tried Trustee Plus. It’s a virtual card from a Ukrainian crypto wallet, and it’s really convenient. The main thing is you don’t need to carry plastic; everything is on your phone. You can top up to 15,000 euros per day, and payments in euros are fee-free. It supports USDT, BTC, and ETH, which are instantly converted to euros at the time of payment. The crypto balance is topped up completely free of charge. The daily transaction limit is 5,000 euros, and cash withdrawals are available up to 2,000 euros at NFC-enabled ATMs. They plan to release a plastic version. But there are downsides: registration costs 10 euros, crypto card conversion fees are 0.5%, and cash withdrawal fees are 1 euro plus 1%. Some American services don’t accept it due to billing address requirements. But overall – it’s one of the most convenient crypto payment options in Ukraine and beyond. People especially praise it when traveling in Europe.
The second option is CardB Card. It’s a virtual card from a fintech startup working with a major cryptocurrency exchange. Available in Ukraine. You can issue up to five cards per account, and it supports Apple Pay and Samsung Pay. The currency is USD or KZT. They plan to launch a credit version and a plastic debit card. Downsides: valid for three years, monthly maintenance can cost up to $0.99, top-up fees are $0.99 plus 1% of the amount. At the maximum tariff, the top-up limit is $5,000 per card and $15,000 per month on the account. The project is interesting, and it could show good results in the future, so it’s worth keeping an eye on.
In general, crypto cards have been gaining popularity lately. People are attracted by high operation limits – you won’t find that in Ukrainian banks. Plus, it’s an ideal solution for those who receive their salary in crypto. Previously, you had to fuss with withdrawal and exchange; now you just pay and that’s it. Everyone will find a suitable option for themselves. Which one will you choose?