Image: Deblock

Deblock Card review: fees, cashback and limits

Name: Deblock Card
Brand: Deblock

A French current account with a Visa card and a self-custody crypto wallet in one app.

By Taimoor, founder and editor Last checked 16 October 2026 1 source

6.0out of 10

Quick answer

Deblock is a French e-money account with a free Visa card, a French IBAN and a self-custody crypto wallet where you hold the keys. The Standard plan is free, with no FX markup on card payments and €100 a month of free ATM use (then 1%). Buying or selling crypto costs a 1.99% spread on Standard or 0.49% on Premium (€14.99 a month). There's no cashback.

Deblock at a glance

Best for	People in France who want a real current account that sits next to a self-custody wallet.
Skip it if	You want cashback or live outside France.
Network	Visa
Card issuer	Deblock SAS (ACPR-licensed e-money institution, MiCA-authorised)
Custody	Hybrid. Euros in a Deblock e-money account, crypto in a self-custody wallet you control.
Card type	Debit
Virtual or physical	Virtual (unlimited, free) and physical (first card free)
Cashback	No cashback
Annual fee	Standard free. Premium €14.99 a month.
Apple Pay / Google Pay	Yes / Yes
Identity check (KYC)	Required
Where it works	France. Germany and Austria were announced for 2026.

Deblock fees

Card cost	First physical card free. Virtual cards free.
Annual or membership fee	Standard free. Premium €14.99 a month.
FX and cross-border	No markup. Visa's rate applies.
Crypto conversion	Crypto buy or sell spread: 1.99% Standard, 0.49% Premium, 0% Native
ATM withdrawals	Standard €100 a month free, then 1%. Premium €1,000 a month free.
Other fees	SEPA and SEPA Instant transfers free

Visa applies its own exchange rate on top of any card markup. Check the fee page in the Deblock app for your country before you load money. To see what Deblock would cost you in a year compared with every other card, try the cost calculator.

What a $100 purchase costs with Deblock

$1.99Paid from stablecoins in the card's own currency

$1.99Paid from stablecoins in a foreign currency

$1.99Paid from other crypto, like BTC or ETH

$0Cashback on $100, Standard tier

These are Deblock's own fees on the Standard tier, before the card network's exchange rate and any ATM or top-up costs. Its FX markup of 0% is lower than the median of 1% across the 60 cards we track with a published FX fee, and cheaper than 37 of them. For a full year based on your own spending, use the cost calculator.

Where it ranks by our score: #20 of 36 in Europe (EEA)

Cashback and rewards

Deblock doesn't offer card cashback

Tier	Price or requirement	Cashback	Notes
Standard	Free	None	1.99% crypto spread, €100 free ATM
Premium	€14.99/month	None	0.49% crypto spread, €1,000 free ATM

Deposits and withdrawals

How to top up

Bank transfer to your French IBAN
Sell crypto from your self-custody wallet into euros

Fees: SEPA transfers free. Crypto spread applies when selling.

How to withdraw

SEPA transfers
Send crypto to any wallet (gas only)
ATM withdrawals

Fees: Onchain withdrawals cost network gas only.

Supported assets: Euros for card spending. BTC, ETH and ERC-20 tokens, Polygon, Solana, Optimism, Arbitrum and Base in the wallet.

Where Deblock works

France. Germany and Austria were announced for 2026.

Check deblock.com for availability outside France.

Europe (EEA)

Limits and perks

Limits

€5,000 a month by default, adjustable in the app

Perks

Full current account with French IBAN

Pros and cons

What's good

Free account and card with a French IBAN
No FX markup
You hold your own crypto keys

What's not

No cashback
1.99% crypto spread on the free plan
Mainly France for now
Lose your seed phrase and your crypto is gone

Our take on Deblock

Deblock is closer to a bank than a crypto card. You get a French current account with an IBAN and a free Visa card, plus a self-custody wallet in the same app where only you hold the keys. Moving between the two is quick, and SEPA transfers are free.

Card spending has no FX markup, and Standard users get €100 a month of free ATM use. The cost is in crypto trades, with a 1.99% spread on the free plan. There's no cashback, so choose it for control and convenience rather than rewards.

A great everyday account for French crypto users who want their coins in self-custody.

How we scored Deblock: 6.0/10

Methodology

Fees 30%

8 Free account, no FX markup, but a 1.99% crypto spread.

Rewards 20%

1 No cashback.

Control 20%

8 Self-custody wallet, licensed account.

Reach 15%

4 Mainly France.

Flexibility 15%

8 IBAN plus a multichain wallet.

Deblock FAQ

How much does the Deblock Card cost?

First physical card free. Virtual cards free. Annual or membership fee: Standard free. Premium €14.99 a month.

Does Deblock have cashback?

No cashback. Deblock doesn't offer card cashback.

What are the Deblock FX and ATM fees?

FX: No markup. Visa's rate applies. ATM: Standard €100 a month free, then 1%. Premium €1,000 a month free.

Where is Deblock available?

France. Germany and Austria were announced for 2026. Check deblock.com for availability outside France.

Is Deblock self-custody?

Hybrid. Euros in a Deblock e-money account, crypto in a self-custody wallet you control.

Sources

CryptoActu: Deblock reviewPlans, fees, wallet, licences, updated Aug 14, 2026

We checked these sources on 16 October 2026. Fees and rewards change often. Spotted something out of date? Report a correction and we'll check it within two working days.