Crypto cards in Estonia
16 cards are available to residents of Estonia, according to Cardefi data (155 figures verified against issuer pages, latest 6 Sep 2026). At €800/month spend with no stake, OKX Card (EEA) nets the most: +€191 (+$221) a year. Median FX fee across the 16 cards: 0.0%. Cards in Estonia are topped up over SEPA, SEPA Instant and Debit card. Issuer licences are checked in the Finantsinspektsioon — Supervised entities. MiCA authorisation is required of issuers from 1 Jul 2026.
Estonia at a glance
- Top-up rails
- SEPA · SEPA Instant · Debit card
- Licensing register
- Finantsinspektsioon — Supervised entities →Cardefi does not check entries on your behalf — look the issuer up there before you apply.
- MiCA
- Authorisation required of issuers from 1 Jul 2026.
- Net value in
- EUR at €0.86 per USD (rates of 6 Sep 2026); the formula runs in USD.
- Spend assumed
- €800 a month, an assumption — change it in the list.
OKX Card (EEA)
Mastercard·Self-custody
Cashback at your stake2.0%
No stake required
- Min. stake
- None
- Annual fee
- $0
- FX fee
- 0.0%
- Net value / yr
- +€191
Breaks even from $0 spendPaid in USDGApple PayGoogle PayVerified 6 Sep 2026Report a wrong figure
Bitpanda Card
Visa·Custodial
Cashback at your stake1.0%
No stake required
- Min. stake
- None
- Annual fee
- $0
- FX fee
- 0.0%
- Net value / yr
- +€96
Breaks even from $0 spendPaid in same crypto asset as spentApple PayGoogle PayVerified 5 Sep 2026Report a wrong figure
CL Card powered by Ledger
—·Custodial
Cashback at your stake1.0%
No stake required
- Min. stake
- None
- Annual fee
- $0
- FX fee
- 0.0%
- Net value / yr
- +€96
Breaks even from $0 spendPaid in BTC or USDC or USDTApple PayGoogle PayVerified 5 Sep 2026Tied on net value — ranked by nameReport a wrong figure
Bleap Card
—·Custodial
Cashback at your stake1.0%
No stake required
- Min. stake
- None
- Annual fee
- $0
- FX fee
- 0.0%
- Net value / yr
- +€89
Breaks even from $0 spendPaid in USDCVerified 5 Sep 2026Report a wrong figure
Bitrefill Card
Visa·Custodial
Cashback at your stake1.0%
No stake required
- Min. stake
- None
- Annual fee
- $0
- FX fee
- 0.0%
- Net value / yr
- +€67
Breaks even from $0 spendPaid in EUR store creditVerified 6 Sep 2026Report a wrong figure
Wirex One Card
Visa·Custodial·metal
Cashback at your stake0.5%
up to 8.0% at $50k in WPAY
- Min. stake
- None
- Annual fee
- $0
- FX fee
- 0.0%
- Net value / yr
- +€48
Breaks even from $0 spendPaid in USDVerified 5 Sep 2026Report a wrong figure
Bitget Wallet Card
Mastercard·Custodial
Cashback at your stake2.0%
No stake required
- Min. stake
- None
- Annual fee
- $0
- FX fee
- 1.7%
- Net value / yr
- +€29
Breaks even from $33/yr spendPaid in WBTC or XAUt or xStocks or USDCApple PayGoogle PayVerified 6 Sep 2026Report a wrong figure
eToro Visa Debit Card
Visa·Custodial
Cashback at your stake0.0%
No stake required
- Min. stake
- —
- Annual fee
- —
- FX fee
- 0.0%
- Net value / yr
- €0
Breaks even from $0 spendPaid in StocksApple PayGoogle PayVerified 6 Sep 2026Report a wrong figure
Gnosis Pay Card
Visa·Self-custody
Cashback at your stake0.0%
up to 4.0% at $11.5k in GNO
- Min. stake
- $12
- Annual fee
- —
- FX fee
- 0.0%
- Net value / yr
- €0
Breaks even from $0 spendPaid in GNOApple PayGoogle PayVerified 5 Sep 2026Tied on net value — ranked by nameReport a wrong figure
Krak Card
Mastercard·Custodial·metal
Cashback at your stake0.0%
up to 2.0% at $58.1k in balance
- Min. stake
- $232
- Annual fee
- $0
- FX fee
- 0.0%
- Net value / yr
- €0
Breaks even from $0 spendPaid in EUR or BTCApple PayGoogle PayVerified 5 Sep 2026Tied on net value — ranked by nameReport a wrong figure
SwissBorg Crypto Debit Card
Mastercard·Self-custody
Cashback at your stake0.1%
up to 0.9% at $1.9k in BORG
- Min. stake
- None
- Annual fee
- $0
- FX fee
- 0.0%
- Net value / yr
- −€9
Breaks even from $0 spendPaid in BORGApple PayGoogle PayVerified 6 Sep 2026Report a wrong figure
Bit2Me Card
Mastercard·Custodial
Cashback at your staken/d
Cashback rate not published by the issuer
- Min. stake
- —
- Annual fee
- $0
- FX fee
- —
- Net value / yr
- −€28
Paid in B2MApple PayGoogle PayVerified 5 Sep 2026Report a wrong figure
Crypto.com Visa Card
Visa·Custodial·metal
Cashback at your stake0.0%
up to 5.0% at $522.6k in CRO
- Min. stake
- $523
- Annual fee
- $0
- FX fee
- 2.0%
- Net value / yr
- −€29
Fees exceed rewards at this stakePaid in CROVerified 5 Sep 2026Tied on net value — ranked by nameReport a wrong figure
Plutus Card
Visa·Custodial
Cashback at your stake0.0%
up to 9.0% at $5.8k in PLU
- Min. stake
- $291
- Annual fee
- $0
- FX fee
- 2.5%
- Net value / yr
- −€36
Breaks even from $0 spendPaid in PLUVerified 5 Sep 2026Report a wrong figure
Nexo Card
Mastercard·Hybrid custody
Cashback at your stake0.5%
Base tier · $5k locked
- Min. stake
- $5,000
- Annual fee
- $0
- FX fee
- 2.0%
- Net value / yr
- −€196
Breaks even from $0 spendPaid in NEXO or BTCApple PayGoogle PayVerified 5 Sep 2026Report a wrong figure
KuCard — not verified — no page
Visa·Custodial
Cashback at your staken/d
Cashback rate not published by the issuer
- Min. stake
- —
- Annual fee
- —
- FX fee
- —
- Net value / yr
- —
Paid in USDTApple PayGoogle PayNot yet verified
All 16 cards, one table
| Card | Cashback at your stake ($0) | Max cashback | Annual fee | FX fee | Net value / yr | Confidence | Verified |
|---|---|---|---|---|---|---|---|
| OKX Card (EEA) | 2.0% | 2.0% | $0 | 0.0% | €191 | A | 6 Sep 2026 |
| Bitpanda Card | 1.0% | 1.0% | $0 | 0.0% | €96 | B | 5 Sep 2026 |
| CL Card powered by Ledger | 1.0% | 1.0% | $0 | 0.0% | €96 | A | 5 Sep 2026 |
| Bleap Card | 1.0% | 1.0% | $0 | 0.0% | €89 | B | 5 Sep 2026 |
| Bitrefill Card | 1.0% | 1.0% | $0 | 0.0% | €67 | A | 6 Sep 2026 |
| Wirex One Card | 0.5% | 8.0% | $0 | 0.0% | €48 | B | 5 Sep 2026 |
| Bitget Wallet Card | 2.0% | 2.0% | $0 | 1.7% | €29 | B | 6 Sep 2026 |
| eToro Visa Debit Card | 0.0% | 0.0% | — | 0.0% | €0 | B | 6 Sep 2026 |
| Gnosis Pay Card | 0.0% | 4.0% | — | 0.0% | €0 | A | 5 Sep 2026 |
| Krak Card | 0.0% | 2.0% | $0 | 0.0% | €0 | A | 5 Sep 2026 |
| SwissBorg Crypto Debit Card | 0.1% | 0.9% | $0 | 0.0% | −€9 | A | 6 Sep 2026 |
| Bit2Me Card | n/d | n/d | $0 | — | −€28 | B | 5 Sep 2026 |
| Crypto.com Visa Card | 0.0% | 5.0% | $0 | 2.0% | −€29 | B | 5 Sep 2026 |
| Plutus Card | 0.0% | 9.0% | $0 | 2.5% | −€36 | B | 5 Sep 2026 |
| Nexo Card | 0.5% | 0.5% | $0 | 2.0% | −€196 | A | 5 Sep 2026 |
| KuCard — not verified — no page | n/d | n/d | — | — | — | C | — |