How to Live off Crypto with the HolyHeld DeFi Debit Card

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How to Live off Crypto with the HolyHeld DeFi Debit Card

We as crypto fanatics want to do more than just speculate on coins. We want to adopt it and be our own bank, as that was of course the sole reason for crypto. Well in today’s article we are going to discuss the cryptocurrency DeFi debit card from HolyHeld, and review it as one of the best options in the market today.

What are the Best Crypto Debit Cards for self-custodians

There are several crypto debit cards and many of them are coupled with centralized exchanges, but today we’re taking a look at decentralized options. Ideally, you’ll want a card that allows self-custody, meaning you can top it up directly from a web3 wallet.

What is Holyheld?

Holyheld is a decentralized crypto debit card and mobile app that allows you to seamlessly use cryptocurrencies for everyday purchases. It stands out for its low fees, support for various Ethereum scaling solutions, and innovative features.

Specifically, Holyheld charges just a 0.25% fee for topping up the debit card from your crypto wallet. This is lower than most competitors. You can top up with over 40 different ERC-20 tokens by using Layer 2 networks like Polygon,Gnosis, Arbitrum, Base and Optimism for fast and cheap transactions.

One innovative feature is the ability to send Euro bank transfers directly from the Holyheld app by converting your crypto balance. This unique feature lets you pay bills, rent, and other expenses seamlessly with your crypto holdings, without needing a traditional bank account.

What are the fees and limits of HolyHeld? 

There are no fees for opening or maintaining an account. Only if you order a card – 29 euros for a virtual card and 199 euros for a metal card. For every top up you will pay 0.75%. For paper account statements for taxes, 5 euros is charged. ATM withdrawals in the EU cost 0.9 EUR. For international ATM withdrawals, a fee of 1.5% + 1.5 EUR is required. For more information, check out the tables below.

HolyHeld has some limits, these include the limit of ten thousand euros daily, twenty-five thousand euros monthly, and two hundred fifty thousand euros annually to top up with spending limits that are the same.

Online transactions are capped at five thousand euros.

HolyHeld Fees 2
HolyHeld Fees
HolyHeld Fees 1
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How to order a HolyHeld Card? 

After you connect your wallet, you can buy the virtual card, which is followed by a plastic card a few weeks later in your mail which costs 30 euro. Or you can choose the metal card which is 200 euro, which you’ll receive a few months later in the mail. All cards are instantly applicable for virtual payments and can be coupled to Google Pay or Apple Pay, and off you go.”

How to Top Up the Card?

What you can do is estimate your monthly expenses and then top up your card from a multitude of wallets. If you want to have the lowest fees in transacting, send it over to your card using L2 solutions such as Avalanche, Polygon or Base. You can also send it directly from the ETH mainnet. In the future, a gasless top-up option will be launched.

Here is how to top up on the Web app or Mobile App:

  1. Go to the Holyheld Web app.
  2. Click on “Top up.”
  3. Choose the token you would like to use.
  4. Select the amount you’d like to receive.
  5. Click on “Review transaction.”
  6. Validate the transaction details.
  7. Click “Top up.”
  8. Confirm the transaction in your wallet.
Omnichain HolyHeld

Which wallets can be connected to HolyHeld? 

Holyheld is compatible with many non-custodial wallets, supporting direct top-ups from a range of popular Ethereum and multi-chain web3 wallets. While Holyheld is not affiliated with any specific wallet provider, the following non-custodial wallets can currently be used to top up your Holyheld card:

Supported Wallets

How to Send Money to Regular Bank Accounts?

Whenever you need to pay for expenses in your home country, you use a transaction that costs 1 EUR and arrives after 2-24 hours. The off ramp fee is less than 1% for a 500 EUR transfer.

Here’s a step-by-step guide on how to receive SEPA transfers to your Holyheld account:

  1. Open the Holyheld website or mobile app.
  2. Look for the “Manage card” icon and click on it.
  3. You will see an option labeled “Account details.” Click on this.
  4. Here, you will find your bank account details including your IBAN, bank code, and beneficiary bank information. Copy these details.

With your personal IBAN, you can send and receive SEPA transfers. Outgoing SEPA transfers are Express, and are typically completed within one business day. Please ensure to review all the details carefully before confirming the transaction.


Holyheld is a great fit for your needs as it seamlessly bridges DeFi to your everyday life and finance. It is very convenient and is truly a solution and bridge that connects the true use case of crypto as a means of payment.

You can use the card today! The KYC process is very fast – it will take less than an hour. You will get your virtual card and can couple it to Apple/Google Pay for contactless payments. From there it is ready to go. If you want the physical card, you still have to wait a little longer.


Disclaimer: Trading and investing in cryptocurrencies (also called digital or virtual currencies, altcoins) involves a substantial risk of loss and is not suitable for every investor. You are solely responsible for the risk and financial resources you use to trade crypto. The content on this website is primarily for informational purposes and does not constitute financial advice.

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