Holyheld MetalMetal card design

Source checked30 sourcesLast checked Sep 9, 2026

Stablecoin account + Mastercard card

Holyheld Card

Personal Holyheld membership is by invitation and individual approval. This profile retains earlier EUR Mastercard, IBAN and SEPA terms while current card-specific conditions are checked; the prefunded card balance is separate from the self-custody wallet.

View Holyheld Compare card

Best fit

Moving crypto from your wallet into EUR for everyday Mastercard spending.
Using a personal IBAN and SEPA transfers alongside a EUR card balance.
Existing cardholders avoiding recurring membership fees or token locks.

Before you choose

Foreign fees can reach 5.5% + €1, depending on geography and currency.
USDC cashback becomes claimable after 30 days; it is not immediately spendable.
New personal applications need an invitation and individual approval.

01 · Fees & limits

Card costs

ItemValueConditions & scope

Annual plan€0No recurring plan fee. Card and design purchase prices are shown separately.

Provider FX markup3%Applies to non-EUR transactions under the reviewed pricing.

Issuer foreign-transaction fee2.5%Geographic international component published separately from the non-EUR markup.

Fixed foreign-transaction fee€1Fixed component in the reviewed international pricing.

Asset conversion fee0%No separate asset-conversion fee is listed for card spending.

ATM withdrawal€1–€2 + up to 2.5%Domestic withdrawal: €1. International or non-EUR withdrawal: 2.5% + €2. An ATM operator surcharge can apply separately.

Domestic card payment€0 / €0.50The first 100 domestic card payments each month are free; each later domestic payment costs €0.50.

Physical card€29–€199Classic costs €29 once; the Metal card costs €199 once.

Extra virtual card€1 + €7Holyheld lists a €1 service component and Unlimit lists a separate €7 component; their customer total is not confirmed.

Limits and secondary fees

ItemValueConditions & scope

Declined transaction$0.25Small failed transactions can still create nuisance fees.

Daily card spend$10,000/dayEUR 10,000 daily

Monthly card spend$25,000/monthEUR 25,000 monthly; EUR 250,000 annually

ATM limit$1,000/24hEUR 1,000 per 24 hours; EUR 5,000 per 30 days

Account depositNot disclosedDynamic provider-defined bank-transfer limit; numeric amount unknown

02 · Plans & rewards

Cashback & memberships

Entry rate0.5%

Classic tier

Maximum rate1%

Metal tier

Reward assetUSDC

Cashback CapNot disclosed

Unknown caps are not treated as unlimited

Memberships

Upgrade

Classic

Classic Mastercard

$0/yr

Cashback: 0.5% in USDC
Requirement: One-time Classic card price: EUR 29
Physical card: Available

Upgrade

Limited Edition

Limited Edition Mastercard

$0/yr

Cashback: 0.5% in USDC
Requirement: One-time Limited Edition virtual card price: EUR 99
Physical card: Not included

Upgrade

Metal

Metal Mastercard

$0/yr

Cashback: 1% in USDC
Requirement: One-time Metal card price: EUR 199
Physical card: Metal card

03 · Everyday use

Card access & apps

Card access

Mastercard network
Virtual card
Physical card
ATM withdrawals

Wallets & apps

Apple Pay
Google Pay
iOS app
Android app
Web app

04 · Money in and out

Balance, payments & transfers

Balance & payments

Hybrid settlement

Funding and settlement cross wallet and provider-controlled account boundaries.

Conversion

Holyheld supports wallet-to-EUR card top-ups and a personal EUR IBAN.

Money in

Crypto depositsUSDC · USDTFee0%Details

Access path: Direct card balance
Conditions: USDC is the confirmed core exchange asset. The exact asset/network pair is selected dynamically in the app. · USDT is named in the integrated top-up scope, but the static asset/network matrix is not published.
Timing: Not confirmed
Limits: Route-dependent and not published as one static limit
Fee conditions: 0% Holyheld crypto-to-fiat top-up fee; dynamic route and external network costs can still apply
How it works: A live quote converts the selected wallet asset into the EUR card balance
Fee breakdown: 0% · transfer

Personal EUR IBANEURFeeNot confirmedDetails

Access path: Via provider account
Availability: Transfers are expected from accounts in the user's own name; compliance review can reject a transfer.
Fee conditions: Incoming EUR transfer: EUR 0
Limits: Not publicly confirmed
Account setup: own name
Timing: Bank-dependent

Money out

Card balance to walletEUR · USDC · USDTFeeNot confirmedDetails

Access path: Direct card balance
Availability: EUR card balance converted to a selected token on an EVM network
Fee conditions: A live route quote applies; provider and external network components are dynamic
Limits: Not publicly confirmed
Conditions: The withdrawal route is EVM-only.
Timing: Three-minute in-app confirmation window; settlement is route-dependent

Outgoing SEPA transferEURFeeNot confirmedDetails

Access path: Via provider account
Availability: EUR transfer from the Holyheld account balance
Fee conditions: Standard SEPA fee not separately published; express SEPA is EUR 1
Conditions: The public documents confirm outgoing SEPA but do not publish one numeric bank-transfer limit.
Timing: Typically minutes, but it may take longer
Limits: Dynamic provider-defined limit; numeric limit unknown

05 · Optional product

Yield & access to your funds

Holyheld Earn via MorphoOptional yieldRateVariable by assetDirect card spendingNot confirmed

Yield source: Third-party Morpho lending markets
Yield mechanism: Lending pool
Protocols: Morpho
Withdrawals: Withdraw anytime subject to market liquidity
Asset: USDC
Withdraw anytime: Yes
Deposit insurance: Not confirmed

Holyheld Earn via Morpho uses a separate yield position. Current rates and withdrawal terms apply.

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

Availability & providers

Identity & KYC

Required

Identity verification is required to access card services.

Verification provider: Sumsub / Idenfy

Availability

Availability unknown

Country-level card access is not disclosed.

Final access check: Confirm during signupCountry guidance does not guarantee access; programme assignment and KYC still apply.
Onboarding: Invite only

Who handles what

The named organisations and their current roles are listed below.

RoleHandled byResponsibility and scope

Card productHolyheld

Provides the product and account experience. Named legal operators appear separately.

Custody controlHolyheld + programme partners

Controls settlement until payment.

Hybrid custody

Programme operatorHolyheld Labs AG

Operates the Holyheld platform and coordinates the connected services.

Jurisdiction: Switzerland · Applies to: Current Holyheld platform and consumer Terms.

Card issuerUnlimit EU Ltd

Issues the Mastercard and provides the partner-held EUR card/e-money balance.

Jurisdiction: Cyprus · Applies to: Current consumer Mastercard programme.

Identity verificationSumsub / Idenfy

Runs identity verification for the applicable programme.

Applies to: Provider examples; the active provider can vary.

07 · Methodology

Why the score is 75

Missing or undisclosed fields receive no positive credit.

75/100

Good

Higher is better

Cost efficiency 64

Rewards value 55

Everyday usability 99

Funding & transfers 76

Availability & eligibility 41

Custody & control 59

Company & infrastructure 87

Key score driversLargest effects after applying the Overall category weights

Strongest lift99

Everyday usability

Mastercard spending includes virtual card, physical card, Apple Pay, Google Pay and ATM access.

Additional support87

Company & infrastructure

Named programme infrastructure includes Unlimit EU Ltd (issuer) and Mastercard (network).

Main constraint41

Availability & eligibility

Personal membership is by invitation and applications are reviewed individually. A complete current card-order country list is unavailable. Current individual-account marketing does not reconfirm the legacy card tariffs; kyc is required.

09 · Card comparison

How Holyheld Card compares to others

1 / 3

Current card

Holyheld Card

Crypto stays user-controlled until it is converted into the EUR card balance.

Card: Debit Mastercard, Virtual + Physical
Funds control: Hybrid custody
Cashback: 0.5%–1%
FX fee: Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency
Apps: iOS, Android, Web app
Stablecoin set: USDC + USDT
Transfers & payouts: Crypto + Bank transfers

Similar match

Coin98 Fusion Card

The virtual Visa works with both Apple Pay and Google Pay after KYC.

Card: Credit line Visa, Virtual only
Funds control: Hybrid custody
Cashback: 0%
FX fee: 1.7% foreign-currency conversion
Apps: iOS, Android · Web app not confirmed
Stablecoin set: USDC + USDT
Transfers & payouts: Not confirmed

Similar match

Black Jupiter Visa Platinum card with teal and cyan curved-line artwork

Jupiter Card

The digital Visa card supports both major phone-wallet routes.

Card: Debit Visa, Virtual + Physical
Funds control: Custodial balance
Cashback: 2%–4%
FX fee: 1% or 1.8%
Apps: iOS, Android · Web app not confirmed
Stablecoin set: USDC + USDT
Transfers & payouts: Crypto + Bank transfers

Want a deeper comparison?

Compare up to four cards in detail across fees, rewards, everyday use, money movement, custody and more.

Compare Cards

10 · Evidence

Sources

30 sources28 officialSources checked Sep 9, 2026Profile updated Oct 26, 2026

Primary sourcesOfficial product, fee, membership and legal pages

holyheld individualOfficial source ↗Holyheld feesOfficial source ↗Holyheld – One account for all CryptoOfficial source ↗Holyheld application card designsOfficial source ↗Holyheld Cashback Rewards - HolyheldOfficial source ↗Terms and Conditions - HolyheldOfficial source ↗

Unconfirmed details6 items

These details have not been verified for this profile. Missing information does not mean a service is free or available.

Iban Spending Limit is not confirmed
Supported Countries Complete Allowlist is not confirmed
Customer Total Reissue Fee Eur is not confirmed
Bank Transfer Numeric Limit Eur is not confirmed
Earn Current Vault Addresses is not confirmed
Earn Current Network Allowlist is not confirmed

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