Image: Mercuryo

Mercuryo Spend Card review: fees, cashback and limits

Name: Mercuryo Spend Card
Brand: Mercuryo

A free virtual Mastercard for Europe that tops up from 40 cryptocurrencies.

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

4.5out of 10

Quick answer

Mercuryo Spend is a free virtual Mastercard for EEA residents that you top up with any of about 40 cryptocurrencies. There's no issuance or monthly fee under fair use. Non-EUR spending adds 1% on top of Mastercard's rate, top-up fees vary and are shown in the app, and there's no ATM access or cashback. It also powers card versions inside Ledger and Nova wallets.

Mercuryo Spend at a glance

Best for	Europeans who want a simple card to spend crypto online and with their phone.
Skip it if	You need cash or rewards.
Network	Mastercard
Card issuer	Quicko Sp. z o.o. (Polish payment institution), with Monetley Ltd as e-money provider
Custody	Not clearly documented
Card type	Debit
Virtual or physical	Virtual
Cashback	No cashback
Annual fee	No monthly fee under fair use
Apple Pay / Google Pay	Yes / Yes
Identity check (KYC)	Required
Where it works	EEA residents (about 30 countries).

Mercuryo Spend fees

Card cost	Free
Annual or membership fee	No monthly fee under fair use
FX and cross-border	1% on non-EUR spending, plus Mastercard's rate
Crypto conversion	Variable top-up fee, shown before you confirm
ATM withdrawals	ATM withdrawals not supported
Other fees	Inactivity: €1 a month after 3 months
	Declined transaction: €0.30

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

What a $100 purchase costs with Mercuryo Spend

Not publishedPaid from stablecoins in the card's own currency

Not publishedPaid from stablecoins in a foreign currency

Not publishedPaid from other crypto, like BTC or ETH

$0Cashback on $100, Standard tier

These are Mercuryo Spend'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 1% is the same as the median of 1% across the 60 cards we track with a published FX fee, and cheaper than 24 of them. For a full year based on your own spending, use the cost calculator.

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

Cashback and rewards

Mercuryo says rewards are coming

Deposits and withdrawals

How to top up

Top up with about 40 cryptocurrencies, including BTC, ETH and USDT

Fees: Variable, shown in the app.

How to withdraw

Not designed for withdrawals

Fees: Not applicable.

Supported assets: About 40 cryptocurrencies.

Where Mercuryo Spend works

EEA residents (about 30 countries).

Not available in the US, UK or Canada.

Europe (EEA)

Limits and perks

Limits

€5,000 per transaction, €10,000 a day, €40,000 a month
Top-ups up to €2,500 each

Perks

Also available inside Ledger and Nova wallets

Pros and cons

What's good

Free card
Top up from about 40 cryptocurrencies
Apple Pay and Google Pay

What's not

No ATM access
No cashback
Top-up fees vary
Custody not clearly documented

Our take on Mercuryo Spend

Mercuryo is a payments company best known for crypto onramps, and Spend is its virtual Mastercard for Europe. You top it up from about 40 cryptocurrencies and pay with Apple Pay or Google Pay.

It's free to hold, but top-up fees vary by asset and non-EUR spending adds 1%. There's no ATM access and no cashback, and Mercuryo doesn't clearly document who controls card balances.

A simple, free way to spend crypto in Europe, with no extras.

How we scored Mercuryo Spend: 4.5/10

Methodology

Fees 30%

6 Free card, variable top-up fees, 1% non-EUR.

Rewards 20%

1 No cashback.

Control 20%

4 Custody not clearly documented.

Reach 15%

5 EEA only.

Flexibility 15%

6 About 40 top-up assets.

Mercuryo Spend FAQ

How much does the Mercuryo Spend Card cost?

Free. Annual or membership fee: No monthly fee under fair use.

Does Mercuryo Spend have cashback?

No cashback. Mercuryo says rewards are coming.

What are the Mercuryo Spend FX and ATM fees?

FX: 1% on non-EUR spending, plus Mastercard's rate. ATM: ATM withdrawals not supported.

Where is Mercuryo Spend available?

EEA residents (about 30 countries). Not available in the US, UK or Canada.

Is Mercuryo Spend self-custody?

Not clearly documented.

Sources

CryptoCardHub: Mercuryo Spend cardIssuer, fees, limits, countries

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.