Why it stands out
- Users control the wallet and can exit independently after a 24–72 hour delay.
- Issuance, monthly use, card spend, FX markup and Bleap ATM fees are zero.
- Both card formats include phone-wallet support and physical ATM access.
Bleap physical card frontStandard card design
Stablecoin account + Mastercard card
Bleap Card
Bleap Card connects a self-custody wallet to virtual and physical Mastercard spending from USDC or EURE, with Apple Pay, Google Pay and category cashback. Core card fees are listed at zero, while rollout, fair-usage caps and the delayed recovery path need attention.
No FXSelf-custodyTravel focusTiered rewardsFree base planUSD rewards
Main trade-offs
- Residence in the EEA or Switzerland does not confirm access in a specific country.
- Rates reach 20% only in selected categories and remain subject to fair-usage caps.
- Everyday wallet actions use Bleap’s co-signer; unilateral recovery is delayed.
01 · Core economics
Costs that matter
Bleap Card has a €0 recurring plan, 0% listed provider FX markup and no Bleap ATM fee. Route limits, allowances and third-party costs remain separate and are explained alongside each price.
ItemValueWhat it means
Monthly plan€0/moNo recurring monthly plan fee on the current entry offer
SEPA funding0%SEPA buy processing is 0%. Other funding routes may include a crypto spread or external provider or network cost.
Foreign exchange0%Bleap's exchange fee and provider FX markup are 0%. Mastercard conversion and scheme charges may still apply.
ATM withdrawal€0Bleap charges no ATM fee. The card allows up to 3 withdrawals and €400 per month; ATM operator and FX charges may still apply.
Card spending0%No listed base spend fee
Fixed spend fee€0Bleap lists no fixed fee per card purchase.
Physical card€0The physical card is free; shipping and replacement pricing are not disclosed.
Limits and secondary feesLimits and other fees
Declined transactionNot disclosedListed
Daily card spend€15,000/day; €10,000 per transactionListed
Monthly card spend€30,000 rolling monthListed
ATM limit3 withdrawals and €400 per monthListed
Account deposit€2,000 single, €5,000 daily, €7,000 monthlyListed
02 · Category rewards
Bleap category cashback
Bleap Card uses category and merchant rates rather than membership tiers. The summary shows the range; the current eligible categories and payment-amount caps are mapped below.
Lowest current purchase reward rate
Streaming, AI and Gaming only; see the category schedule below
USDC
Per transaction, month or year by category and merchant
Current rate schedule
Cashback by spend category
The rate follows the eligible merchant or spend category rather than a membership tier. 20% applies only to Streaming, AI and Gaming. Caps below limit eligible payment amount, not cashback value.
CategoryRateEligible purchases and cap
All other eligible purchases1%
All eligible purchases outside a higher-rate band
€500/transaction · €3,000/moTransportation3%
Eligible transportation merchants in the current programme
Per eligible merchant: €50/transaction · €500/moDelivery3%
Eligible delivery merchants in the current programme
Per eligible merchant: €50/transaction · €500/moStreaming20%
Netflix, Amazon Prime, YouTube Premium and Disney+
Netflix €20/mo · Amazon Prime €10/mo · YouTube Premium €20/mo · Disney+ €200/yrAI20%
ChatGPT, Gemini and Claude
ChatGPT €30/mo · Gemini €20/mo · Claude €250/yrGaming20%
Xbox Game Pass, PlayStation Plus, Nintendo Switch Online and Steam
Xbox Game Pass €30/mo · PlayStation Plus €220/yr · Nintendo Switch Online €80/yr · Steam €80/yrCashback is credited after the card transaction settles in USDC. Merchant coding, programme exclusions, reversals and clawbacks still apply. Curve-routed payments are not eligible.
03 · Everyday use
How the card fits everyday use
See the available card formats, phone wallets and account rails, plus any channels that are still being confirmed.
Card access
- Mastercard networkAvailable
- Virtual cardAvailable
- Physical cardAvailable
- ATM withdrawalsAvailable
Wallets & apps
- Apple PayAvailable
- Google PayAvailable
- iOS appAvailable
- Android appAvailable
- Web appNot disclosed
Account rails
- Crypto depositsLinked wallet or crypto transfer
- Bank depositsEUR / MXN bank transfer
- Crypto withdrawalsBase / Arbitrum / Solana
- Fiat withdrawalsTo your own bank account
- Direct card top-upsNo separate card balance
04 · Money in and out
How money enters, settles and leaves Bleap
The card uses the provider account balance. Account funding and withdrawal routes are included only when they feed that same card-linked account; they are not presented as direct card top-ups.
Money inWays to fund or receive4 routes
Crypto deposits
2 routes
Crypto depositsCredits the user-controlled Bleap Wallet balance · Credits the wallet balance but is not directly spendable by the cardUSDCEUREUSDTFeeNot confirmedSpeedNot confirmedLimits15 manual sends and 30 exchange operations per month across the parent serviceAvailabilityConfirmed scopeDetails
Fee components
- Fee terms are descriptive only
Access path
Via connected wallet
Availability
Supported asset and network combinations
Account setup
wallet
Restrictions
Base, Arbitrum and Solana are documented at parent-service level, but the reviewed sources do not publish an asset-by-network matrix. · Direct card spend is supported, while the exact asset-by-network receive matrix is not published. · USDT is a documented wallet balance asset, not an approved direct card-spend asset.
External crypto transferThe reviewed sources do not publish a complete asset-by-network matrix.USDCEUREUSDTFeeNot confirmedSpeedNetwork-dependentLimits15 manual sends and 30 exchange operations per month across the parent serviceAvailabilityConfirmed scopeDetails
Fee components
- Fee terms are descriptive only
Access path
Your Bleap Wallet
Availability
Bleap Wallet transfers; parent-service networks include Base, Arbitrum and Solana
Account setup
wallet
Restrictions
The reviewed sources do not publish a complete asset-by-network matrix. Direct Ethereum transfer is not supported.
Bank deposits
2 routes
Manual bank transferEUR funding maps to EURE and MXN funding maps to USDC; this is wallet funding, not a complete card-country signal.EURMXNFee0%SpeedVaries by railLimitsNot confirmedAvailabilityOptions shown in appDetails
Fee components
- 0% · SEPA
Access path
Bleap app funding flow
Availability
EUR funding maps to EURE and MXN funding maps to USDC; this is wallet funding, not a complete card-country signal.
Limit scope
Not publicly confirmed
Bank transfer inEUR maps to EURE and MXN maps to USDC.EURMXNFee0%SpeedVaries by railLimits€5,000 / dayAvailabilityConfirmed scopeDetails
Fee components
- 0% · SEPA
Access path
Bleap app funding flow
Availability
Manual EUR or MXN bank transfer into Bleap
Limit scope
€2,000 single, €5,000 daily and €7,000 monthly
Restrictions
EUR maps to EURE and MXN maps to USDC. These are provider-account funding limits.
Balance & conversionWallet control
Assets stay in the connected wallet until an authorized spend or transfer action.
What happens on receipt
Funding routes belong to the Bleap wallet and parent service.
Money outWays to send, withdraw or settle2 routes
External crypto sends
1 route
External crypto transferThe reviewed sources do not publish a complete asset-by-network matrix.USDCEUREUSDTFeeNot confirmedSpeedNetwork-dependentLimits15 manual sends and 30 exchange operations per month across the parent serviceAvailabilityConfirmed scopeDetails
Fee components
- Fee terms are descriptive only
Access path
Your Bleap Wallet
Availability
Bleap Wallet transfers; parent-service networks include Base, Arbitrum and Solana
Account setup
wallet
Restrictions
The reviewed sources do not publish a complete asset-by-network matrix. Direct Ethereum transfer is not supported.
Bank transfers & payouts
1 route
Bank cash-outCash-out is a parent-service route and remains separate from card-purchase fees.EURFee€0SpeedVaries by railLimits€5,000 / dayAvailabilitySEPADetails
Fee components
- €0 · processing / FX
Access path
Bleap app cash-out flow
Availability
User-owned bank account through FPS, SEPA Instant or SEPA
Limit scope
€3,000 single, €5,000 daily and €10,000 monthly
Restrictions
Cash-out is a parent-service route and remains separate from card-purchase fees.
05 · Optional product
Add yield through a separate balance
YO Vault adds a variable yield option through a separate deposit. Move funds back to the spending balance when direct card spend is not supported.
Optional yield
YO Vault
Variable by asset
- Yield source
- Diversified DeFi strategy with automatic allocation and continuous optimization
- Yield mechanism
- Mixed strategy
- Strategy manager
- YO Labs
- Redemption
- No lockup; withdrawals are available at any time
- Asset
- Not disclosed
- Spend directly from Earn balance
- Not confirmed
- Withdraw anytime
- Yes
- Deposit insurance
- Not confirmed
Risk noteVariable APY, custody, smart-contract, liquidity, protocol, counterparty and market risks may apply. Treat Earn/vault balances as separate yield exposure; access to funds depends on the provider's current withdrawal, card and collateral rules.
06 · Trust and eligibility
Where Bleap is available and who supports the card
See current signup reach, identity checks and the organisations behind the card.
Identity & KYC
Identity verification is required to access card services.
Availability
Residence in one of the listed countries is required but does not guarantee card access. Bleap may still show Coming soon for an eligible account, and the separate passport restriction applies regardless of residence.
- Residence perimeter
- 31 countries30 EEA countries plus Switzerland
- Hard restrictions
- 45 passport origins / territoriesApplies even when the applicant resides in the EEA or Switzerland
- Final access check
- Get Card in the Bleap appComing soon means the card is not yet enabled for that account
Residence eligibility perimeter31 countries · access still account-gated
AustriaBelgiumBulgariaCroatiaCyprusCzechiaDenmarkEstoniaFinlandFranceGermanyGreeceHungaryIcelandIrelandItalyLatviaLiechtensteinLithuaniaLuxembourgMaltaNetherlandsNorwayPolandPortugalRomaniaSlovakiaSloveniaSpainSwedenSwitzerland
Hard restriction list45 passport origins / territories
AfghanistanAlbaniaBarbadosBurkina FasoBurundiCameroonCayman IslandsCentral African RepublicCongo, Democratic Republic of theCubaHaitiIranIraqJamaicaJordanKosovoLebanonLibyaMaliMoroccoMozambiqueMyanmarNicaraguaNigeriaPakistanPanamaPhilippinesSomaliaSouth AfricaSouth SudanSudanSyriaTanzaniaTrinidad and TobagoTurkeyUA-OccupiedUgandaUnited Arab EmiratesUnited StatesVanuatuVenezuelaVietnamWestern SaharaYemenZimbabwe
Who handles what
The named organisations and their current roles are listed below.
RoleHandled byResponsibility and scope
Card productBleap
Provides the product and account experience. Named legal operators appear separately.
Custody controlCardholder
Retains control of funds until payment.
Self-custodyCard issuerUnlimit EU Ltd
Issues the Mastercard debit card and e-money.
Jurisdiction: Cyprus · Applies to: Reviewed current Bleap SIA cardholder terms.07 · Methodology
Why the score is 92
The score combines practical costs, rewards, daily usability, funding and transfers, eligibility, custody, and the provider stack.
Missing or undisclosed fields receive no positive credit.
92/100
ExcellentHigher is better
Key score driversLargest effects after applying the Overall category weights
Strongest lift95
Cost efficiency
No monthly fee, 0% FX fee and 0% conversion fee shape the day-to-day cost profile.
Additional support99
Everyday usability
Mastercard spending includes virtual card, physical card, Apple Pay, Google Pay and ATM access.
Main constraint58
Rewards value
1% base cashback and up to 20%; tier or usage conditions affect the realised rate, paid in USDC.
08 · Evidence
Sources
29 sources27 officialChecked Jul 26, 2026
We review every published fact and value on this page against source evidence. Official product, fee, membership and legal sources are used for the terms that affect cost, eligibility, rewards and custody.
Primary sourcesOfficial product, fee, membership and legal pages
Bleap Card - Up to 20% Cashback, Zero FX FeesOfficial source ↗Free Crypto Card: 20% Cashback, No FX Fees, Non-Custodial | Built for Web3 NativesOfficial source ↗Bleap Cashback Card - Earn Up to 20% Back on Every PurchaseOfficial source ↗Cashback Terms and ConditionsOfficial source ↗Bleap Cardholder Terms (EEA) Bleap SIAOfficial source ↗Bleap Cardholder Terms (EEA)Official source ↗
09 · Similar cards
Check similar cards
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