Crypto card review
Holyheld review: fees, limits and KYC
Holyheld is a physical and virtual card on the mastercard network. It has no annual fee. It pays 0.5-1% cashback on spending. The provider requires identity verification before issuing it. The provider does not list the United States as a supported region, and excludes US, GB, CN, RU, JP, AU, CA.
MastercardVirtualPhysicalKYC required
Crypto card fees on Holyheld, and what it offers
Three fields decide what Holyheld costs: the annual fee, the issuance fee and the top-up fee. For this card the dataset holds an annual fee of Free, an issuance fee of $29 and a top-up fee of 0.75%. Top-up is the one that recurs, because it is charged each time value is moved onto the card, which is why it costs more over a year than the annual fee usually does. Holyheld publishes an ATM limit of EUR 1,000, which is the most it will hand out in cash.
| Network | Form | KYC | Annual fee | Issuance | Top-up | Cashback | ATM limit | Wallets | In the US |
|---|---|---|---|---|---|---|---|---|---|
| Mastercard | Virtual, Physical | Required | Free | $29 | 0.75% | 0.5-1% | EUR 1,000 · daily | Apple Pay, Google Pay | No |
A dash in this table means the provider dataset holds no value for that field. It does not mean the fee is zero. Fee and limit data was last updated 2026-10-02.
Where Holyheld is available
The provider lists EU, EEA as supported, and excludes US, GB, CN, RU, JP, AU, CA. Availability is the first thing to check, because a lower fee does not help if the provider will not issue to you.
What you can spend from Holyheld
The provider supports these assets directly on the card: ETH, USDC, USDT, MATIC, AVAX, ARB, OP, DAI, AAVE, UNI, LINK, BNB, FTM. Anything not on that list has to be converted before you spend it, and the conversion fee applies.
Cashback and rewards are paid in USDC.
The trade-offs on Holyheld
These are read straight off the fields in the table above, not opinions.
What works in your favour
- No annual card fee
- 0.5-1% cashback on spending
- Apple Pay and Google Pay supported
- Physical and virtual card
What costs you
- $29 card issuance fee
- 0.75% top-up fee
- Identity verification required
- Not available in the United States
What people say about Holyheld
Short extracts from public reviews, kept short and linked back to the source, collected 2026-09-29. These are other people's opinions, not ours.
These come from Trustpilot and cover the whole Holyheld service, not only the card, so account handling, support and transfers appear alongside anything about spending. They are the reviews the source lists first, not a balanced or curated selection, so a run of complaints can appear here exactly as it does on the source. A block is only shown when enough of the collected reviews actually discuss spending with crypto, because a brand name is not a product and some providers share a name with an unrelated business. Read this section for the provider's reputation and the table above for what the card itself charges and does.
Amazing. Very cheap gas fees on the layer 2 networks, spend straight from your metamask. Simple. Also has Google and Apple pay!
Freddie, trustpilot.com, rated 5/5
Very happy so far. For people complaining about fees i would suggest to use a layer2. I had some connection problem with binance wallet and…
Stefano Baldi, trustpilot.com, rated 5/5
Great product, has been getting better and better since launch. Great flexibility with wallets and networks. Card and IBAN, good limits, low fees.When Metal!
Ben, trustpilot.com, rated 5/5
Well built working better than expectations. Swap, top up, pay everywhere financial tool connected with your crypto wealth. Kudos to the team for accomplishing it!
Antonis Gianedakis, trustpilot.com, rated 5/5
If you're from Europe and need to connect your non-custodial wallet to offramp to EUR, this card has one of the most generous fee structures…
Paulina from cryptonoshi.com, trustpilot.com, rated 5/5
I used Holyheld's prepaid card service a couple of years ago, but after experiencing platform and interface issues, I was locked out of my account…
A User, trustpilot.com, rated 1/5
This is a scam. When topping up through Ethereum, approximately 100 euros are deducted for a transaction (worth 700 euros). They claim it's a gas…
Yuri, trustpilot.com, rated 1/5
I had a balance of €10,638 on my Holyheld account.Suddenly, my account was blocked without any warning, and my balance was set to zero, without…
Rudy, trustpilot.com, rated 1/5
This is scam, my account was blocked and can’t reach out to their customer service.
Alpha, trustpilot.com, rated 1/5
Cards to compare Holyheld against
Available in the country you are browsing from, on the same fields as the table above.
| Card | Network | Form | KYC | Annual fee | Issuance | Top-up | Cashback | ATM limit | Wallets | In the US |
|---|---|---|---|---|---|---|---|---|---|---|
| Tria Card | Visa | Virtual, Physical | Required | Free | Free | Free | 1.5-6% | — | Apple Pay, Google Pay | Yes |
| CoinZoom Card | Visa | Virtual, Physical | Required | Free | $10 | 1.99% | 0.5-5% | $1,000 | Apple Pay, Google Pay | Yes |
| Ether.fi Card | Visa | Virtual, Physical | Required | Free | Free | Free | 2-3% | $10,000 | Apple Pay, Google Pay | Yes |
Holyheld in context
Cashback 0.5-1%, top-up 0.75%, annual fee Free. Provider terms change on their own schedule; confirm anything you rely on with the provider before you fund an account.