Image: Holyheld

Holyheld Card review: fees, cashback and limits

Name: Holyheld Card
Brand: Holyheld

A self-custody Visa for Europe that spends from your own wallet, with a personal IBAN.

By Taimoor, founder and editor Last checked 16 October 2026 3 sources

5.7out of 10

Quick answer

Holyheld is a self-custody Mastercard for EEA residents that spends crypto from your own wallet, with support for 1,000+ assets across several networks and a personal IBAN for SEPA. There's no monthly fee. The Classic card costs €29 and topping up from your wallet is free. Card payments outside the domestic zone cost 2.5% plus €1, and ATM cash costs €1 at home or 2.5% plus €2 abroad. Cashback is 0.5% in USDC, or 1% with the €199 metal card.

Holyheld at a glance

Best for	European DeFi users who want an IBAN and a card connected to their own wallet.
Skip it if	You spend in foreign currencies often.
Network	Mastercard
Card issuer	Not stated
Custody	Self-custody (pays from your own wallet)
Card type	Debit
Virtual or physical	Virtual and physical (Limited Edition virtual €99, metal €199)
Cashback	Up to 1% in USDC
Annual fee	No monthly fee
Apple Pay / Google Pay	Yes / Yes
Identity check (KYC)	Required (ID only)
Where it works	EEA residents.

Holyheld fees

Card cost	Classic card €29. Limited Edition virtual card €99. Metal card €199. Virtual reissue €1, physical reissue €29.
Annual or membership fee	No monthly fee
FX and cross-border	International card payments: 2.5% plus €1. Domestic payments are free for the first 100 a month.
Crypto conversion	0% top-up fee from your wallet
ATM withdrawals	€1 domestic. 2.5% plus €2 international or in another currency. €0.50 for a declined withdrawal or balance check.

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

What a $100 purchase costs with Holyheld

$0.00Paid from stablecoins in the card's own currency

$2.50Paid from stablecoins in a foreign currency

$0.00Paid from other crypto, like BTC or ETH

$0.50Cashback on $100, Standard tier

These are Holyheld'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 2.5% is higher than the median of 1% across the 60 cards we track with a published FX fee, and cheaper than 6 of them. For a full year based on your own spending, use the cost calculator.

Where it ranks by our score: #23 of 36 in Europe (EEA)

Cashback and rewards

Up to 1% back in USDC (listings show 0.5% to 1%)

Deposits and withdrawals

How to top up

Top up from your own wallet with 1,000+ supported assets
SEPA transfers and salary to your personal IBAN

Fees: No Holyheld top-up fee. Network fees apply.

How to withdraw

SEPA transfers
ATM withdrawals

Fees: ATM €1 domestic, 2.5% plus €2 abroad.

Supported assets: 1,000+ cryptocurrencies across several networks, including ETH, USDC, USDT, ARB and OP.

Where Holyheld works

EEA residents.

Not aimed at residents outside the EEA.

Europe (EEA)

Limits and perks

Limits

$10,000 a day, $25,000 a month

Perks

Personal IBAN for salary and freelance payments

Pros and cons

What's good

Self-custody with very wide asset support
Personal IBAN
No monthly fee

What's not

2.5% plus €1 on international card payments
€29 for the Classic card
Low cashback

Our take on Holyheld

Holyheld connects a Visa card and a personal IBAN to your own wallet. You can top up from more than 1,000 assets, and the IBAN lets you receive a salary or freelance payments by SEPA.

Day to day in euros it's cheap: topping up is free, the first 100 domestic payments each month are free, and a domestic ATM withdrawal costs €1. Abroad it gets expensive fast. International card payments cost 2.5% plus €1, so a €20 purchase outside the domestic zone costs €1.50 in fees, and foreign ATM cash costs 2.5% plus €2. Cashback is 0.5% in USDC on the Classic card and 1% on the €199 metal card. Dune and Paymentscan both track Holyheld's onchain spending, which shows it has real users.

Good for self-custody and an IBAN in Europe if you spend in euros at home. Leave it in the drawer when you travel.

How we scored Holyheld: 5.7/10

Methodology

Fees 30%

5 Free top-ups and cheap domestic use, but 2.5% plus €1 abroad.

Rewards 20%

4 Up to 1% in USDC.

Control 20%

8 Self-custody.

Reach 15%

4 EEA only.

Flexibility 15%

8 1,000+ assets and an IBAN.

Holyheld FAQ

How much does the Holyheld Card cost?

Classic card €29. Limited Edition virtual card €99. Metal card €199. Virtual reissue €1, physical reissue €29. Annual or membership fee: No monthly fee.

Does Holyheld have cashback?

Up to 1% in USDC. Up to 1% back in USDC (listings show 0.5% to 1%).

What are the Holyheld FX and ATM fees?

FX: International card payments: 2.5% plus €1. Domestic payments are free for the first 100 a month. ATM: €1 domestic. 2.5% plus €2 international or in another currency. €0.50 for a declined withdrawal or balance check.

Where is Holyheld available?

EEA residents. Not aimed at residents outside the EEA.

Is Holyheld self-custody?

Self-custody (pays from your own wallet).

Sources

Holyheld feesOfficial fee schedule: card prices, top-up, ATM, international payments, cashback
cryptocards.so: Holyheld cardFees, cashback, limits, assets
Dune: card transactions coverageHolyheld tracked onchain

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.