Holyheld Card

Holyheld · other · debit · Self-custody · metal

0 countriesVerified 5 Sep 2026

At $1,000/month spend with no stake, Holyheld Card nets −$15 a year. According to Cardefi data, 8 of 9 key figures are verified from the issuer's pages, latest 5 Sep 2026.

Open at Holyhelddirect — pays us nothing

Cashback at your stake: 0.5%
Min. stake for rewards: None
Annual fee: $0
FX fee: 2.5%
Net value / yr: −$15
Break-even: Never

Recalculate for a stake ofSpendchanges every number on this page

Cashback and net value by stake

Stake	Tier	Cashback	Net value / yr
$0 you Classic	Classic	0.5%	−$15

How this card scores

Same arithmetic as every card in the catalogue, with this card's numbers in:

Cashback at your stake	0.5% × $12,000	+$60
Yearly fees	annual $0 + 12 × $0	−$0
FX on 25.0% of spend	2.5% × $3,000	−$75
Locked stake, 5.0% opportunity cost	$0 × 5.0%	−$0
Net value per year		−$15

Fees in full

Every figure below carries the issuer's own words. Tap a source count to read them. A dash means we looked and the issuer does not say. How these fees compare across every card.

Annual fee	€0 / year 1 source “There is no account opening fee and no monthly maintenance fee”[1] · landing · captured 5 Sep 2026
Monthly fee	€0 / month 1 source “There is no account opening fee and no monthly maintenance fee”[1] · landing · captured 5 Sep 2026
Card issuance	€29One-off account price: Classic €29, Limited Edition €99, Metal €199 1 source “you pay only a one-time account price of EUR 29 Classic, EUR 99 Limited Edition, or EUR 199 Metal.”[1] · landing · captured 5 Sep 2026
Foreign transaction (FX)	2.5%0% in the account currency; international payments 2.5% + €1 1 source “Payments in your account currency have a 0% FX fee, while international payments cost 2.5% + EUR 1.”[1] · landing · captured 5 Sep 2026
Crypto conversion / spread	0.0%Crypto-to-fiat conversion at top-up is free 1 source “Converting crypto to fiat and topping up your account is free at 0%.”[1] · landing · captured 5 Sep 2026
ATM withdrawal	2.5%International withdrawals 2.5% + €2; domestic €1 flat 1 source “ATM withdrawals are EUR 1 domestic and 2.5% + EUR 2 international.”[1] · landing · captured 5 Sep 2026
ATM fixed fee	€2 / txInternational; domestic €1 1 source “ATM withdrawals are EUR 1 domestic and 2.5% + EUR 2 international.”[1] · landing · captured 5 Sep 2026

Reward tiers, as the issuer states them

Tier	Requirement · rate · cap
Classic	0.5% · None · Cap: not disclosed · Paid in USDC 1 source “Holyheld pays cashback in USDC on every purchase — 0.5% for Classic and Limited Edition holders, and 1% for Metal holders.”[1] · landing · captured 5 Sep 2026
Metal	1.0% · €199 / year · Cap: not disclosed · Paid in USDC 1 source “Holyheld pays cashback in USDC on every purchase — 0.5% for Classic and Limited Edition holders, and 1% for Metal holders.”[1] · landing · captured 5 Sep 2026

Limits

Spend per month

— not disclosedLimits are in the "Fees and Limits" FAQ section, page not captured

What we could not find

These figures matter for the score, and the issuer's public pages do not state them. Where we looked is listed under Sources.

Spend per month. Limits are in the "Fees and Limits" FAQ section, page not captured

Sources

1 page captured and stored with a checksum. Quotes above are matched against these snapshots by script.

holyheld.com/ · landing · 5 Sep 2026

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Access & funding

Regions: Countries not disclosed
KYC: full
Top-up: Crypto from own wallet, SEPA
Fiat: EUR
Assets: USDC, USDT, 1,200+ tokens on 20+ networks
Form: virtual + physical
Wallets: —

Risks to know

Self-custody. You hold the keys; losing them loses the balance.

Who is behind the card

Brand / programme: Holyheld
Infrastructure: — not disclosed
Issuer of record: — not disclosed
Licence: —
Network: — not disclosed
Custody: Self-custody · self custody

Status

Now: Live

“Holyheld offers virtual and physical accounts across three tiers: Classic, Limited Edition, and Metal.”holyheld.com · captured 5 Sep 2026

Where you can get it

Europe: — countries not disclosed

1 source

“The products and services on this website are authorised in Switzerland.”holyheld.com · landing · captured 5 Sep 2026

Trust

Verified: 5 Sep 2026
Coverage: 8 of 9 key figures verified, 1 not disclosed
Confidence: B official sources only
Disclosure: public page
Source: holyheld.com
Link: direct — pays us nothing

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Questions about this card

Answers are generated from the verified fields on this page. A question is only shown when the figure behind it has a source.

What does Holyheld Card charge on foreign currency?: Holyheld Card adds 2.5% on transactions in a currency other than the account currency.
Does Holyheld Card charge an annual fee?: The annual fee for Holyheld Card is $0.
How much cashback does Holyheld Card pay?: Holyheld Card pays up to 0.5%, which is the highest rate any of its tiers reaches.
What does Holyheld Card charge at an ATM?: Holyheld Card charges 2.5% on ATM withdrawals. The ATM operator may add its own fee on top.
Who holds the funds behind Holyheld Card?: You do. Holyheld Card pulls funds from your own wallet when a transaction is authorised, so the balance stays in your custody until you spend it.
Does Holyheld Card require identity verification?: Yes. Holyheld Card requires full identity verification before the card can be used.