Bleap Card

Visit Bleap Card →

Bleap Card scores 12 of 16 on the CBL Card Score. Bleap, Mastercard. Self-custodial MPC wallet; issuer holds no funds. Unlimit EU, Central Bank of Cyprus e-money.

CBL Card Score: 12 of 16

Criterion	Points	What we found	Source
Custody	2 of 2	Self-custodial. The wallet uses MPC key shares so no single party, Bleap included, holds the full key (official, bleap.finance, checked 20 Oct 2026). The cardholder terms say neither Bleap nor the issuer holds the cardholder's funds; card spend settles by direct debit from the user's self-custody Bleap Wallet and no e-money balance is held at the issuer for card use (official, cardholder terms, 28 Jun 2026). Tokens sit on Solana, Base and Arbitrum (official).	official checked 20 October 2026
Issuer and licence	2 of 2	Unlimit EU Ltd, Limassol, Cyprus, company no. HE 328641, an electronic money institution licensed and regulated by the Central Bank of Cyprus (official, cardholder terms, 28 Jun 2026). Licence number not stated on the page.	official checked 20 October 2026
Availability	0 of 2	Residents of the EEA and Switzerland only, with a restricted-nationality list that includes the United Arab Emirates and the United States regardless of residence (official, eligibility help article, 3 Jul 2026, and cardholder terms clause 5.3). The UK is outside the EEA and is not served. The homepage also names Mexico and Brazil, which the eligibility article does not (official, bleap.finance). No Gulf service. Live, no waitlist; some accounts see a "Coming soon" label in the Cards tab until the feature is enabled (official, help article).	official checked 20 October 2026
FX fee on a foreign-currency purchase	2 of 2	"Bleap adds no FX markup or fee"; conversion uses the Mastercard network rate at processing time (official, cardholder terms clause 6.3, 28 Jun 2026). The homepage repeats no non-EUR FX fee and a 0% markup on crypto-to-fiat conversion at payment (official, checked 20 Oct 2026).	official checked 20 October 2026
Funding cost	2 of 2	Card issuance free, no monthly or annual fee, no fee for adding money by bank transfer or crypto transfer (official, bleap.finance). SEPA and SEPA Instant buys and sells carry a 0% processing fee; a "small spread" may apply on buy, sell and bridge orders, with no rate given (official, pricing disclosure, updated 12 Mar 2026, and fee schedule help article, 1 Sep 2026). Virtual card issued on approval (official). The physical card is available only through the referral programme and arrives in about two weeks; no price or delivery fee is stated (official, physical card help article, checked 20 Oct 2026). No inactivity fee found.	official checked 20 October 2026
Apple Pay and Google Pay	2 of 2	Apple Pay and Google Pay (official, bleap.finance, checked 20 Oct 2026).	official checked 20 October 2026
Freeze and dispute policy	1 of 2	Disputes go to the merchant first, then to Bleap support with amount, date, merchant and evidence; the chargeback window is "set by the card network, not Bleap" and the process typically takes 60 to 90 days (official, dispute help article, checked 20 Oct 2026). The cardholder terms say refunds, chargebacks and error correction follow Mastercard and Unlimit rules, unauthorised transactions must be reported without undue delay, and statutory limits sit in Unlimit's terms (official, cardholder terms clause 8.2). No complaints response time is published, and the complaints clause names a different entity, Bleap Finance Sp. z o.o. (official, cardholder terms). No card-freeze help article found.	official checked 20 October 2026
Yield on idle balance	1 of 2	Two routes. Savings is advertised at up to 8% APY on the homepage and up to 4% APY on USD balances in the FAQ, and the FAQ says Savings sits outside Bleap SIA's MiCA-regulated services (official, bleap.finance, checked 20 Oct 2026). YO vaults pay a variable DeFi yield with withdrawal "at any time", plus $YO token rewards claimed through Merkl; no rate, asset list, provider or fee is published (official, YO vaults FAQ, 29 Apr 2026). Vault deposits sit apart from the spendable wallet balance. Scored 1 for unconfirmed terms.	official checked 20 October 2026

Total 12 of 16. Official means the company's own site, terms or help centre. Third-party means a named review site with its own check date; a third-party fact is reported, not verified, and the score stands until an official source confirms or contradicts it.

Score history

20 October 2026

12 of 16

First score

Standing

Company	Bleap SIA, Latvia, registration no. 40203714425, a wholly owned subsidiary of Bleap Ltd, UK company no. 14918472, founded in London in 2023 (official, bleap.finance). Bleap SIA holds crypto-asset service provider authorisation No. 27-55/2026/14 from Latvijas Banka for exchange of crypto-assets for funds and for other crypto-assets, valid from 25 Jun 2026, with cross-border rights in 28 EEA states from 15 Jul 2026 (official, Latvijas Banka register, checked 20 Oct 2026). Bleap SIA is the card programme manager (official, cardholder terms, 28 Jun 2026).
Network	Mastercard (official). official
Rails	Unlimit EU Ltd, a Cypriot e-money institution, issues the Mastercard and Bleap SIA runs the programme (official). Neither holds cardholder funds; purchases debit the user's own MPC wallet at the moment of payment (official).
Website	www.bleap.finance
Health tag	Watch The card is issued by a Central Bank of Cyprus e-money institution and Bleap SIA has held a Latvian MiCA authorisation since 25 Jun 2026, but the company dates from 2023, its Savings product sits outside the MiCA scope, and its terms carry drafting errors (official register and cardholder terms).
Last checked	20 October 2026

When it goes wrong

Disputes go to the merchant first, then to Bleap support with amount, date, merchant and evidence; the chargeback window is "set by the card network, not Bleap" and the process typically takes 60 to 90 days (official, dispute help article, checked 20 Oct 2026). The cardholder terms say refunds, chargebacks and error correction follow Mastercard and Unlimit rules, unauthorised transactions must be reported without undue delay, and statutory limits sit in Unlimit's terms (official, cardholder terms clause 8.2). No complaints response time is published, and the complaints clause names a different entity, Bleap Finance Sp. z o.o. (official, cardholder terms). No card-freeze help article found.

The dispute route, in order: the company's own support desk, then the card network's chargeback rules, then the regulator of the issuer where one is named. A frozen card is a question, not a verdict: the Frozen Account Survival Kit applies to cards too.

Costs

FX	"Bleap adds no FX markup or fee"; conversion uses the Mastercard network rate at processing time (official, cardholder terms clause 6.3, 28 Jun 2026). The homepage repeats no non-EUR FX fee and a 0% markup on crypto-to-fiat conversion at payment (official, checked 20 Oct 2026). official
Funding	Card issuance free, no monthly or annual fee, no fee for adding money by bank transfer or crypto transfer (official, bleap.finance). SEPA and SEPA Instant buys and sells carry a 0% processing fee; a "small spread" may apply on buy, sell and bridge orders, with no rate given (official, pricing disclosure, updated 12 Mar 2026, and fee schedule help article, 1 Sep 2026). Virtual card issued on approval (official). The physical card is available only through the referral programme and arrives in about two weeks; no price or delivery fee is stated (official, physical card help article, checked 20 Oct 2026). No inactivity fee found. official
ATM	Free up to €400 a month (official, bleap.finance). Fee above that not found.
Tiers	None (official).

Cashback, as of 20 Oct 2026

Paid in USDC. 1% on all spend, capped at €500 per transaction and €3,000 a month; 3% on Uber, Bolt and food delivery apps, capped at €50 per transaction and €500 a month per service; 20% on Netflix, Disney, Amazon Prime, YouTube, ChatGPT, Gemini, Claude, PlayStation Plus, Xbox Game Pass, Nintendo Switch Online and Steam, with monthly or yearly caps per merchant; 2% at restaurants and supermarkets ran 12 Feb to 31 May 2026 (official, cashback terms, updated 25 May 2026). No plan, stake or minimum balance required.

Cashback is a dated fact, not part of the Card Score. Promo rates change too often to score.

Availability

Residents of the EEA and Switzerland only, with a restricted-nationality list that includes the United Arab Emirates and the United States regardless of residence (official, eligibility help article, 3 Jul 2026, and cardholder terms clause 5.3). The UK is outside the EEA and is not served. The homepage also names Mexico and Brazil, which the eligibility article does not (official, bleap.finance). No Gulf service. Live, no waitlist; some accounts see a "Coming soon" label in the Cards tab until the feature is enabled (official, help article). official

Identity checks: Identity verification, age 18 or over, EEA or Swiss residence, and a nationality not on the restricted list (official, eligibility help article, 3 Jul 2026).

What we still need confirmed

Facts marked official come from Bleap's own pages or terms. Facts marked third-party are reported by a named review site and count as reported, not verified. These items are open for the next Monday sweep:

• Unlimit EU Ltd's licence number on the Central Bank of Cyprus register. open
• Physical card price and delivery fee, and whether it is open outside the referral programme. Rescore funding to 1 if a fee or delivery charge applies. open
• Savings rate (4% or 8%), asset, lock and provider. Rescore yield to 2 if the spendable balance earns with no lock and no paid tier. open
• Mexico and Brazil card availability, which the homepage claims and the eligibility article omits. open
• ATM fee above the €400 monthly allowance. open
• Complaints timelines and the correct complaints entity. Rescore freeze to 2 if a dispute window and response time are published. open
• tile_color taken from the dominant colour of the logo file in assets/logos/ on 20 Oct 2026; confirm against brand assets. open

See a mistake? Email hi@cryptobanklist.com. Every factual correction is logged on our corrections page.

Compare

Every card, ranked →