The crypto on and off ramps are growing and most people can now pay for daily purchases with tokens straight from their own wallet. Whether you value privacy, decentralization, or just want spending convenience, there’s a debit card to match your needs. Here’s a comprehensive, step-by-step guide to the most prominent cards, including official links and download resources.
Decentralized vs. Centralized: The Key Differences
| Feature | Decentralized Cards | Centralized Cards |
| Custody | User-held, non-custodial wallets | Platform/exchange manages funds |
| KYC | Usually required for cards | Always required |
| Cashback | Up to 1%, often in stablecoins/USDC | Up to 10%, typically native token |
| Geolocation | Limited, often EU-focused | More global, but changing availability |
| Asset support | Any DeFi-supported token | Exchange-listed tokens only |
| Privacy | Higher with on-chain only accounts | Standard exchange compliance/KYC |
THORwallet
THORwallet is a non-custodial mobile wallet built on the THORChain protocol, offering on-chain swaps, storage, and (soon) real-world spending with its upcoming Visa debit card.
How to Get Started with THORwallet (Step-by-Step):
- Visit the official THORwallet site.
- Download the app for Android only or web.
- Create a new wallet or import an existing one. Back up your recovery phrase securely.
- Fund your wallet with supported tokens (BTC, ETH, stablecoins, etc.).
- As the card becomes available, follow in-app instructions to apply (KYC may be required).
Fee Structure:
- Card Issuance: Est. €20–€100 (TBA)
- Transaction Fees: Standard Visa/MC FX (0.5–2%)
- On-Chain Transactions: Network fees
xPortal
xPortal is MultiversX’s (formerly Elrond) wallet with multi-chain assets, social features, NFTs, and a crypto-connected debit card.
How to Get Started XPortal (Step-by-Step):
- Go to the xPortal official site.
- Download xPortal for iOS or Android.
- Register a new wallet and complete the secure backup.
- Fund your wallet with crypto.
- Complete identity verification (KYC) as prompted in the app.
- Order your card directly in-app (region-dependent).
Fee Structure:
- Issuance: €10–€20 (varies by tier)
- FX/Conversion: 1–2%
- ATM: €2–€4 typical
- No monthly fee
Monerium
Monerium issues the regulated EURe stablecoin, bridging digital euros to the SEPA network. While not a direct card provider, Monerium supports spending through selected card partners.
How to Get Started Monerium (Step-by-Step):
- Go to Monerium’s dashboard.
- Create an account and complete identity (KYC) verification.
- Link your Web3 wallet (e.g., MetaMask).
- Mint and manage EURe.
- Use approved partner platforms for debit card access (see Monerium’s updates).
Fee Structure:
- EURe Mint/Redeem: 0.2–0.5%
- Monthly Account: €5–€10 for advanced features
- Card fees: as per partner
Confirmo
Confirmo creates crypto business payment solutions—including white-label virtual/physical debit cards through regulated partners.
How to Get Started Confirmo (Step-by-Step):
- Visit Confirmo’s registration page.
- Sign up for the service (focus on business users/teams).
- Complete KYC/corporate onboarding.
- Issue and fund virtual or physical cards for employees or clients.
Fee Structure:
- Issuance: €10–€20 per card (dependent on issuer/program)
- Transaction: Partner-specific fees
Holyheld
Holyheld is a non-custodial DeFi wallet and Mastercard crypto debit card offering up to 1% cashback in USDC for everyday spending. It supports both virtual and physical card options.
How to Get Started HolyHeld(Step-by-Step):
- Go to the Holyheld homepage.
- Download the app or access the web version.
- Connect a non-custodial wallet (MetaMask, Coinbase, etc.).
- Complete identity verification (KYC).
- Choose and order your card: Classic Virtual (€29), Limited Edition (€99), or Metal (€199).
- Fund your card and start spending.
Fee Structure:
- Issuance: €29–€199 (by card type)
- Card payments: First 100/month free, then €0.10 each
- FX: ~2% Mastercard standard
- ATM: Mastercard network fee
- Cashback: Up to 1% USDC (tiered)
- No monthly recurring fee
Bybit Card
Bybit Card is a centralized Visa debit card linked to your Bybit crypto exchange balance, supporting multi-currency payments with instant conversion.
How to Get Started Bybit Card (Step-by-Step):
- Go to Bybit Card’s page.
- Register for Bybit and complete KYC.
- Order a virtual or physical card in your dashboard.
- Top up from your Bybit wallet.
Fee Structure:
- Conversion: 0.9% per spend
- Foreign Currency (FX): 0.5%
- ATM: Standard Visa rates
- Cashback: Up to 10% (promo/usage-based)
- No annual fee
1inch Card
1inch Card allows you to spend DeFi and Web3 tokens from your 1inch Wallet/Dapp globally, with Visa-powered fiat onramps at the point of sale.
How to Get Started with 1Inch Card (Step-by-Step):
- Visit the 1inch Card site.
- Sign up for the waitlist.
- Connect your Web3 (Ethereum/EVM) wallet.
- Complete identity/KYC for card access.
- Once approved, fund your card and begin spending.
Fee Structure:
- Card issuance: €20–€50 (est.)
- Conversion spend: 1–2%
- ATM: Standard Visa rates
- No monthly fee
Crypto Debit Cards Comparison
| Card | Issuance Fee | Transaction Fee | ATM Fee | Cashback | Custody |
| THORwallet | ~€20–€100 (est.) | 0.5–2% (FX/Std Visa) | Issuer-dependent | None/TBA | Decentralized |
| xPortal | €10–€20 (est.) | 1–2% | €2–€4 typical | Tiered (TBA) | Hybrid |
| Monerium | None/Partner | 0.2–0.5% | Partner-specific | None | Hybrid |
| Confirmo | €10–€20/card | Partner-specific | Partner-specific | None | Hybrid |
| Holyheld | €29–€199 | 0.10 after 100/mo., FX ~2% | MC network | Up to 1% (USDC) | Decentralized |
| Bybit Card | No fee | 0.9% + 0.5% FX | Visa network fee | Up to 10% | Centralized |
| 1inch Card | €20–€50 (est.) | 1–2% | Visa network fee | None/TBA | Decentralized |
