Deblock Debit Card

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Deblock Debit Card scores 8 of 16 on the CBL Card Score. Deblock, Visa. Euros safeguarded by Deblock; crypto self-custodied. Deblock SAS, ACPR e-money licence, Visa member.

Health Check · checked 20 October 2026

Solid. Deblock SAS issues the card under its own ACPR e-money licence and holds a MiCA authorisation from the AMF, with a safeguarding statement in its terms and no enforcement action found (official regulator register and terms); the 4% account places euros in a DeFi lending vault, which sits outside that safeguarding.

CBL Card Score: 8 of 16

Criterion	Points	What we found	Source
Custody	1 of 2	Custodial for the euros the card spends from, self-custodial for crypto. Client euro funds are placed in "dedicated client money bank accounts that we hold with commercial or central banks" under PSD2 safeguarding, with no deposit guarantee scheme cover (official, personal terms v13, articles 3.2, 8.1 and 8.1.1, 13 Mar 2026). The crypto wallet is non-custodial: the terms say Deblock "is never at any point the custodian" and the client alone holds the private keys (official, article 2). The card does not spend from the wallet directly.	official checked 20 October 2026
Issuer and licence	2 of 2	Deblock SAS, electronic money institution authorised by the ACPR, CIB 17748, and direct Visa member (official, legal notice and cards page, checked 20 Oct 2026). Deblock SAS issues the e-money and "a unique Deblock Debit Card" (official, personal terms v13, preamble and article 3.2).	official checked 20 October 2026
Availability	0 of 2	Clients must be 18 or over and legal residents of the EEA; US persons are excluded (official, personal terms v13, articles 3.3.1 and 3.4, 13 Mar 2026). The company launched in France in April 2024 and raised €30m in November 2025 to open Germany, with Austria and Switzerland named as later targets (third-party: FinTech Futures, 19 Nov 2025; BTC-ECHO, 23 Feb 2026). A review lists 30 EEA countries as open and the UK and Switzerland as not served (third-party: CryptoCardHub, 11 Aug 2026). No UK, Gulf or US service.	official checked 20 October 2026
FX fee on a foreign-currency purchase	1 of 2	Standard plan: non-euro card payments free up to €1,000 per calendar month, then 0.5% on weekdays and 1% on weekends, Paris time (official, fee schedule v6.3, applying from 5 Jul 2026). Premium and Native: free "under conditions" (official). A 0.5% fee applies on all plans to certain merchant categories such as financial services, money transfers and gambling, euros included (official). Scored on the Standard rate beyond the free allowance.	official checked 20 October 2026
Funding cost	0 of 2	Physical debit card free, one per year on Standard, three on Premium and Native, with "delivery fees may apply" (official, fee schedule, 5 Jul 2026). Virtual card free, one on Standard, ten on Premium. Card and PayPal top-ups free up to €2,000 a month, then 0.5% (official). SEPA transfers in and out free (official). Storing euros as EURC is free and converting a salary payment to crypto is free (official, pricing page and fee schedule). Buying, selling or swapping other crypto, which covers selling USDC or USDT for euros, costs 1.99% on Standard, 0.49% on Premium and 0% on Native (official). Premium costs €14.99 a month or €120 a year; Native is free for holders of a Deblock NFT for 30 days (official, fee schedule). The pricing web page still shows Premium at €10 a month (official, checked 20 Oct 2026). No inactivity fee listed. Scored on the 1.99% charged to sell USDC or USDT for euros on the free plan; whether EURC converts back to euros for free is not confirmed.	official checked 20 October 2026
Apple Pay and Google Pay	2 of 2	Apple Pay and Google Pay on every virtual and physical card from the day it is issued, free (official, deblock.com/en/cards and fee schedule).	official checked 20 October 2026
Freeze and dispute policy	1 of 2	Clients freeze the card in the app and report a lost or stolen card through the app as soon as possible (official, personal terms v13, article 8.2). Unauthorised or mistaken payments must be reported no later than 13 months after the money was taken (official, articles 4.7.2 and 8.5). A refund request for a card payment that took more than expected must be made within eight weeks and the payee must be in the EEA (official, article 8.6). Deblock may block payments on security grounds (official, article 9.1). No response time or chargeback route was found in the pages read; the terms PDF cut off at page 42 of 49 in this check.	official checked 20 October 2026
Yield on idle balance	1 of 2	4% a year gross, variable, credited daily, no minimum, no cap and no lock; euros are held as EURCV, a stablecoin from Société Générale-Forge, inside a Morpho lending vault with Bitcoin collateral (official, deblock.com/fr/4-pourcent-compte-courant, rate dated 1 Apr 2026). Premium and Native clients only (official, homepage rate disclosure).	official checked 20 October 2026

Total 8 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

8 of 16

First score

Standing

Company	Deblock SAS, Lille, France, registered 948 264 163 R.C.S. Lille Métropole. Licensed as an electronic money institution by the ACPR under bank code (CIB) 17748 and as a crypto-asset service provider under MiCA by the AMF, number A2025-001, granted 23 May 2025 (official, deblock.com/en/legal-notice and the AMF register). The self-custody wallet is provided by Techblock Ltd under separate terms (official, personal terms v13, 13 Mar 2026).
Network	Visa (official, deblock.com/en/cards states Deblock is "a direct VISA member" with "Full VISA debit" cards). official
Rails	Deblock SAS issues the e-money and the Visa debit card under its own ACPR licence, CIB 17748, as a direct Visa member (official). Euro balances are safeguarded in dedicated client money accounts at commercial or central banks that the terms do not name (official).
Website	deblock.com/en/cards
Health tag	Solid Deblock SAS issues the card under its own ACPR e-money licence and holds a MiCA authorisation from the AMF, with a safeguarding statement in its terms and no enforcement action found (official regulator register and terms); the 4% account places euros in a DeFi lending vault, which sits outside that safeguarding.
Last checked	20 October 2026

When it goes wrong

Clients freeze the card in the app and report a lost or stolen card through the app as soon as possible (official, personal terms v13, article 8.2). Unauthorised or mistaken payments must be reported no later than 13 months after the money was taken (official, articles 4.7.2 and 8.5). A refund request for a card payment that took more than expected must be made within eight weeks and the payee must be in the EEA (official, article 8.6). Deblock may block payments on security grounds (official, article 9.1). No response time or chargeback route was found in the pages read; the terms PDF cut off at page 42 of 49 in this check.

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	Standard plan: non-euro card payments free up to €1,000 per calendar month, then 0.5% on weekdays and 1% on weekends, Paris time (official, fee schedule v6.3, applying from 5 Jul 2026). Premium and Native: free "under conditions" (official). A 0.5% fee applies on all plans to certain merchant categories such as financial services, money transfers and gambling, euros included (official). Scored on the Standard rate beyond the free allowance. official
Funding	Physical debit card free, one per year on Standard, three on Premium and Native, with "delivery fees may apply" (official, fee schedule, 5 Jul 2026). Virtual card free, one on Standard, ten on Premium. Card and PayPal top-ups free up to €2,000 a month, then 0.5% (official). SEPA transfers in and out free (official). Storing euros as EURC is free and converting a salary payment to crypto is free (official, pricing page and fee schedule). Buying, selling or swapping other crypto, which covers selling USDC or USDT for euros, costs 1.99% on Standard, 0.49% on Premium and 0% on Native (official). Premium costs €14.99 a month or €120 a year; Native is free for holders of a Deblock NFT for 30 days (official, fee schedule). The pricing web page still shows Premium at €10 a month (official, checked 20 Oct 2026). No inactivity fee listed. Scored on the 1.99% charged to sell USDC or USDT for euros on the free plan; whether EURC converts back to euros for free is not confirmed. official
ATM	Standard: one free withdrawal or €100 per rolling month, then 1% with a €1 minimum. Premium and Native: three free withdrawals or €1,000 per rolling month, then 1% with a €1 minimum (official, fee schedule, 5 Jul 2026).
Tiers	Standard free; Premium €14.99 a month or €120 a year; Native free with a Deblock NFT held for 30 days (official, fee schedule, 5 Jul 2026).

Cashback, as of 20 Oct 2026

Standard 0%. Premium and Native "up to 1%" on card payments (official, fee schedule, 5 Jul 2026). No rate matrix or cap is published; a 10% $BLOCK cashback was withdrawn in March 2026 (third-party: CryptoCardHub, 11 Aug 2026).

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

Availability

Clients must be 18 or over and legal residents of the EEA; US persons are excluded (official, personal terms v13, articles 3.3.1 and 3.4, 13 Mar 2026). The company launched in France in April 2024 and raised €30m in November 2025 to open Germany, with Austria and Switzerland named as later targets (third-party: FinTech Futures, 19 Nov 2025; BTC-ECHO, 23 Feb 2026). A review lists 30 EEA countries as open and the UK and Switzerland as not served (third-party: CryptoCardHub, 11 Aug 2026). No UK, Gulf or US service. official

Identity checks: Identity verification for EEA residents aged 18 or over; stored top-up cards must come from an EU or UK institution (official, personal terms v13, articles 3.4 and 4.1.2).

What we still need confirmed

Facts marked official come from Deblock'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:

Official list of open countries. The terms say EEA residents, but press from late 2025 and early 2026 describes Germany as a planned launch. Keep availability at 0 until the UK or a Gulf state opens. open
Complaints article and refund timing in pages 42 to 49 of the personal terms. Rescore freeze to 2 if a response time is published alongside the 13-month window. open
Which bank holds the safeguarded client funds. open
Whether the pricing page's €10 Premium price or the fee schedule's €14.99 is current. open
Whether EURC to euro conversion is free in both directions on the Standard plan. Rescore funding to 1 if it is, and to 2 if delivery is also free. open
tile_color taken from the dominant colour of the logo file in assets/logos/ on 20 Oct 2026; confirm against brand assets. open

Sources

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

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