The Holyheld Card earns 0.5-1% USDC cashback on a Mastercard debit card with a CHF 0 membership (invite-only) fee, available in EEA (30 countries).
Holyheld is a Web3 payments company founded in 2022 by CEO Anton Mozgovoy and CTO Anton Zagorodnikov, with offices in Zug, Switzerland and Vilnius, Lithuania. It offers a Mastercard debit card linked to non-custodial wallets, supports more than 100 protocols across 15 chains, and has raised funding from investors including Toyota Ventures, with a December 2024 round backing its onchain payments and reconciliation infrastructure.
The Holyheld Card is a crypto debit card offered by Holyheld, available in EEA (30 countries). It offers 0.5-1% USDC cashback across 2 reward tiers, giving users the ability to earn higher rates as they increase their commitment. The annual fee starts at CHF 0 membership (invite-only).
It is a strong fit for privacy-conscious users who want to keep custody of their keys while spending. It runs on the Mastercard network and requires standard identity verification.
New to crypto cards? Read our complete buyer's guide to understand fees, rewards, and how to choose. Concerned about privacy? See our KYC vs non-KYC comparison. Compare more options in our best crypto cards in Europe guide. See where it ranks among the best crypto debit cards.
| Tier | Rate | Requirement |
|---|---|---|
| Classic | 0.5% | €29 one-time card fee (last published fees, Holyheld fee page dated 19 March 2025) |
| Metal | 1% | €199 one-time card fee (last published fees, Holyheld fee page dated 19 March 2025) |
The personal IBAN sits on an Unlimit-provided account inside the Holyheld app alongside the card, and supports both incoming and outgoing SEPA transfers including salary and rent payments.
Compare IBAN and transfer capability across cards in our crypto cards with IBAN guide.
On $500/mo spend, the estimated monthly cost breakdown for Holyheld Card is: gas $0.00, conversion spread $0.00, flat transaction fees $0.00, and amortised card/tier fee $2.42, for a total drag of 0.5% of spend. After $3.00/mo cashback that nets a gain of about $0.58/mo ($6.96/yr). Holyheld Card tops up from a centralized balance, so there is no on-chain gas cost regardless of how often you reload. This card bills in EUR. Spending in another currency adds a 3% FX fee; these figures do not include it. Figures are conservative estimates and vary with conditions.
Note: Holyheld now presents itself as a Swiss fintech for companies and individuals making global payments, and every account is invite-only: applicants request an invite and Holyheld reviews each application. Individual membership costs CHF 0 a year and company membership CHF 500 a year, by invitation. CARD ABSENT FROM MARKETING PAGES (2026-10-24): the personal pricing page, the homepage and the FAQ no longer mention a card at all (the earlier 'spend by card' line is gone) and holyheld.com/card returns 404, while Holyheld's terms (updated 1 July 2026) still say members can order the card issued by Holyheld's partners. The current site publishes no card fee, cashback rate, card network or card country list, so whether an invited individual can obtain a card today, and on what terms, is not confirmed. The 0.5% (Classic, Limited Edition) and 1% (Metal) USDC cashback rates and the EUR 29 / 99 / 199 card fees recorded here come from Holyheld legal pages last updated 25 May 2023 and 19 March 2025, which are still served but are no longer linked from the site's Legal index. Previously recorded card details, not restated on the current site: supports 20+ blockchains (Ethereum, Arbitrum, Optimism, Base, Polygon, Solana, Avalanche, BNB Chain, zkSync, Gnosis, Mode, Starknet, Berachain, Hyperliquid, Plume, Ink, Manta Pacific, Blast, Aleph Zero EVM, Polygon zkEVM, Plasma), 1,200+ cryptos. No staking required. Cashback paid in USDC, claimable on any supported chain (30-day claim delay). €125/mo cashback cap. 30 EEA countries. Limited Edition card (€99, same 0.5% rate as Classic, collector/design tier). Top-ups are gasless: Holyheld sponsors the gas, so the user pays no on-chain gas to fund the card. Card spending settles on-chain from the user's own connected wallet via the Holyheld smart contract, across 20+ supported networks. Dormancy fees apply after 4 months (card) and 5 months (IBAN). Individual transfer pricing on the current site: 1% on-ramp and off-ramp, $20 wires, $1 outgoing same-day ACH, EUR 1 outgoing SEPA, free Faster Payments and incoming transfers.
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The Holyheld Card is a crypto debit card offered by Holyheld. It is available in EEA (30 countries) and allows users to spend cryptocurrency at merchants worldwide.
The Holyheld Card offers 0.5-1% USDC cashback. There are 2 tiers: Classic (0.5%), Metal (1%).
The Holyheld Card has an annual fee of CHF 0 membership (invite-only). Additional fees: Conversion fee: 0%; FX fee: 3% currency exchange fee on non-EUR purchases; purchases outside the EEA also pay €1 + 2.5%; ATM: ~2.5%; Inactivity: €1/mo after 4-5 months.
The Holyheld Card has the following limits: daily spending limit: EUR 10,000; monthly spending limit: EUR 25,000; daily ATM withdrawal limit: EUR 1,000 (EUR 5,000 per 30 days). Limits can vary by account tier and verification level.
Yes. Holyheld requires standard identity verification (KYC), typically a government-issued ID, during signup.
The Holyheld Card is available in EEA (30 countries).
The Holyheld Card is a debit card. You need to load cryptocurrency onto the card before making purchases.
Yes, the Holyheld Card is a non-custodial (self-custody) card. This means you retain control of your private keys and your crypto is not held by a third party. Funds are only converted at the point of sale, reducing counterparty risk compared to custodial alternatives.
Yes, the Holyheld Card supports Apple Pay and Google Pay for contactless payments.
The Holyheld Card is issued by Unlimit EU Ltd. Licences: EMI (licence 115.1.3.7/2018) (Central Bank of Cyprus, EEA).
Yes, the Holyheld platform provides a personal IBAN in the user's name. Capabilities: receiving third-party transfers: yes; sending transfers to third parties: yes; transfer limits: No published IBAN limit; outgoing transfers use SEPA Instant. The personal IBAN sits on an Unlimit-provided account inside the Holyheld app alongside the card, and supports both incoming and outgoing SEPA transfers including salary and rent payments.
Funds held on the Unlimit account do not constitute a deposit; Holyheld itself states it is never in possession or control of user funds or crypto-assets.
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