The card test asks whether the provider issues a card you can spend from an account that also handles crypto. Wirex, Revolut, Bunq, N26 and Rebind pass in full: Wirex issues a Mastercard in the EEA with 0.5% to 8% cashback, Revolut's crypto card spends from a chosen crypto balance, Bunq sweeps card round-ups into a coin, N26 issues ordinary bank cards alongside its Bitpanda trading, and Rebind issues a virtual Visa through Gnosis Pay spending EURe. LHV scores partial because its Estonian and UK cards are ordinary bank cards and crypto bought at LHV cannot pay for anything elsewhere. Monerium and BCB Group issue no card of their own, SG-FORGE has none, and BBVA, Santander · Openbank, Deutsche Bank, Raiffeisen NÖ-Wien and Commerzbank issue only ordinary debit or credit cards that never touch crypto.
| Bank | Score | Type | Health | P2P | Verdict |
|---|---|---|---|---|---|
| Wirex | 14/16 | Neobank | Unknown | Strict | Yes. Crypto moves freely in and out, but the card cannot buy crypto elsewhere and the old app lost its crypto features in the EEA on 30 June 2026. |
| Revolut | 13/16 | Neobank | Watch | Mixed | Yes for individuals, with the deepest crypto stack of any app-bank. No for crypto businesses. |
| Bunq | 12/16 | Neobank | Watch | Mixed | Yes for retail through the Kraken-powered bunq Crypto tab, and for licensed CASPs on a fiat-only business account. Coins cannot leave the app. |
| Rebind | 11/16 | Neobank | Watch | Unknown | Yes for euro transfers through a personal Monerium IBAN, but Rebind is an app, not a bank, and it never names exchanges. |
| LHV | 9/16 | Business banking | Solid | Relaxed | Yes. Crypto trading is built into the Estonian app, and the UK arm banks Coinbase and Bitstamp, but coins cannot leave the bank. |
| BBVA | 9/16 | Traditional | Solid | Mixed | Yes. BBVA sells and holds bitcoin and ether inside its own app in Spain, Switzerland and Türkiye, but the Spanish service is a closed loop and moving coins out costs 4%. |
| Santander · Openbank | 7/16 | Traditional | Solid | Strict | Yes for buying crypto inside the bank, with a closed loop that is slow and costly to leave, and exchange transfers that vary by country. |
| N26 | 6/16 | Neobank | Watch | Mixed | Partly. You can buy and sell crypto inside the app through Bitpanda, but nothing moves in or out, and N26 publishes no rule either way on transfers to outside exchanges. |
| Deutsche Bank | 6/16 | Traditional | Watch | none | Yes for crypto businesses and institutions, not yet for individuals. |
| Commerzbank | 4/16 | Traditional | Watch | none | Yes for large German corporate clients, no for individuals. |
Click a column to sort. Health is our tag. P2P is community-reported and separate from the score.
Revolut's crypto card, free as a virtual card, spends directly from a chosen crypto balance and works with Apple Pay and Google Pay. Wirex's EEA Mastercard spends the balance you get from stablecoin top-ups and pays cashback in USD on Wirex One. Rebind's virtual Visa, issued through Gnosis Pay, spends EURe and pays cashback in GNO. Bunq and N26 cards spend euros; Bunq's Auto Round Up moves spare change from card payments into a coin instead.
Not with Wirex. Its EEA card cannot be used for crypto trading outside Wirex, so buying on another exchange with it is blocked. Revolut does not publish a card rule in our data, but it lists some cryptocurrency exchanges as unsupported recipients for transfers, so expect some declines. BBVA customers report card blocks when paying Coinbase, though BBVA fails the card test anyway.