Holyheld
Regional Partner · EEA & Switzerland (excluding UK as of recent updates) · personal
Non-custodial Web3 Mastercard with personal EUR IBAN supporting 1,200+ tokens across L2s
Is Holyheld worth it?
Holyheld is a non-custodial Web3 Mastercard with a dedicated EUR SEPA IBAN that lets European users preload and spend from over 1,200 tokens across major EVM L2s and Solana with zero network gas fees. Cardholders earn 0.5% to 1% cashback paid in USDC.
Pros
- Supports 1,200+ tokens across 8+ chains with 0% gas fees
- Includes personal EUR SEPA IBAN
- 0.5% to 1% cashback paid in USDC
Cons
- High 2.5% + €1 FX fee on non-EUR transactions
- €29 Classic / €99 Limited / €199 Metal one-time issuance fee
- No free ATM withdrawal allowance
Fees, limits & requirements
- Issuance fee
- $32
- One-time card creation
- Annual fee
- $10
- Monthly fees included where applicable
- Crypto top-up
- 0.5%
- Variable conv
- FX fee
- 2.5%
- ~2.5% + €1
- ATM fee
- 2.5%
- €1 flat + ~0.5% conversion on EUR ATM; +2.5% FX on international ATM
- Max daily spend
- $11,000
- Subject to KYC tier and issuer limits
- Monthly ATM limit
- $1,100
- €1 flat + ~0.5% conversion on EUR ATM; +2.5% FX on international ATM
- KYC
- Full KYC
- Full KYC (EEA/CH residency required)
- Custody
- Self-custody
- Funds remain in your wallet until settlement
- Card network
- Visa
- debit card · issued by Regional Partner
Supported crypto & networks
Where is Holyheld available?
Show all 29 supported countries
Availability lists change frequently. Confirm eligibility with Regional Partner before applying.
Holyheld — common questions
Is Holyheld available in United States?+
United States is not on Holyheld's published availability list. The card is currently offered in EEA & Switzerland (excluding UK as of recent updates); availability can change, so confirm with Regional Partner before applying.
What fees does Holyheld charge?+
Holyheld has a $32.00 issuance fee, a $10 annual fee, a 0.5% crypto top-up fee and a 2.5% FX fee. ATM withdrawals cost 2.5%. ~2.5% + €1
Does Holyheld support Apple Pay and Google Pay?+
Holyheld supports Apple Pay and Google Pay. You can add the virtual card to your mobile wallet after issuance.
Is Holyheld self-custody?+
Yes. Holyheld is non-custodial: your assets stay in your own wallet until the moment of settlement. You remain responsible for key management and wallet security.
How does Holyheld cashback work?+
Holyheld offers 0.5%–1% cashback. Rewards are paid in USDC. Staking requirement: None for Classic (0.5% back); Metal €199 issuance unlocks 1% cashback. Cashback is modelled at the maximum published tier in our calculator.
Data note: fees, limits and availability are illustrative seed data for this build. Always confirm with the issuer. Card trademarks belong to their respective owners.