Crypto cards in Poland
17 cards are available to residents of Poland, according to Cardefi data (161 figures verified against issuer pages, latest 6 Sep 2026). At PLN 3,500/month spend with no stake, ether.fi Cash nets the most: +PLN 840 (+$213) a year. Median FX fee across the 17 cards: 0.0%. Cards in Poland are topped up over SEPA, SEPA Instant, BLIK, Elixir and Debit card. Issuer licences are checked in the KNF — Wyszukiwarka podmiotów rynku finansowego. MiCA authorisation is required of issuers from 30 Jun 2025.
Poland at a glance
- Top-up rails
- SEPA · SEPA Instant · BLIK · Elixir · Debit card
- Licensing register
- KNF — Wyszukiwarka podmiotów rynku finansowego →Cardefi does not check entries on your behalf — look the issuer up there before you apply.
- MiCA
- Authorisation required of issuers from 30 Jun 2025.
- Net value in
- PLN at PLN 3.95 per USD (rates of 31 Oct 2026); the formula runs in USD.
- Spend assumed
- PLN 3,500 a month, an assumption — change it in the list.
ether.fi Cash
Visa·Hybrid custody·metal
Cashback at your stake3.0%
No stake required
- Min. stake
- None
- Annual fee
- —
- FX fee
- 1.0%
- Net value / yr
- +PLN 840
Breaks even from $0 spendPaid in ETHFIApple PayGoogle PayVerified 5 Sep 2026Report a wrong figure
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
- +PLN 798
Breaks even from $0 spendPaid in USDGApple PayGoogle PayVerified 6 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
- +PLN 420
Breaks even from $0 spendPaid in BTC or USDC or USDTApple PayGoogle PayVerified 5 Sep 2026Report 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
- +PLN 210
Breaks even from $0 spendPaid in USDCVerified 5 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
- +PLN 210
Breaks even from $0 spendPaid in USDVerified 5 Sep 2026Tied on net value — ranked by nameReport 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
- +PLN 126
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
- PLN 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 $10.6k in GNO
- Min. stake
- $11
- Annual fee
- —
- FX fee
- 0.0%
- Net value / yr
- PLN 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 $56k in balance
- Min. stake
- $224
- Annual fee
- $0
- FX fee
- 0.0%
- Net value / yr
- PLN 0
Breaks even from $0 spendPaid in EUR or BTCApple PayGoogle PayVerified 5 Sep 2026Tied on net value — ranked by nameReport a wrong figure
MetaMask Card
Mastercard·Self-custody·metal
Cashback at your stake1.0%
up to 3.0% with Metal
- Min. stake
- None
- Annual fee
- $0
- FX fee
- 1.0%
- Net value / yr
- PLN 0
Breaks even from $0 spendPaid in mUSDApple 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 $1.5k in BORG
- Min. stake
- None
- Annual fee
- $0
- FX fee
- 0.0%
- Net value / yr
- −PLN 395
Breaks even from $0 spendPaid in BORGApple PayGoogle PayVerified 6 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
- −PLN 416
Breaks even from $0 spendPaid in EUR store creditVerified 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
- −PLN 819
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 $504k in CRO
- Min. stake
- $504
- Annual fee
- $0
- FX fee
- 2.0%
- Net value / yr
- −PLN 840
Fees exceed rewards at this stakePaid in CROVerified 5 Sep 2026Report a wrong figure
Plutus Card
Visa·Custodial
Cashback at your stake0.0%
up to 9.0% at $5.5k in PLU
- Min. stake
- $274
- Annual fee
- $0
- FX fee
- 2.5%
- Net value / yr
- −PLN 1,050
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
- −PLN 1,617
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 17 cards, one table
| Card | Cashback at your stake ($0) | Max cashback | Annual fee | FX fee | Net value / yr | Confidence | Verified |
|---|---|---|---|---|---|---|---|
| ether.fi Cash | 3.0% | 3.0% | — | 1.0% | PLN 840 | B | 5 Sep 2026 |
| OKX Card (EEA) | 2.0% | 2.0% | $0 | 0.0% | PLN 798 | A | 6 Sep 2026 |
| CL Card powered by Ledger | 1.0% | 1.0% | $0 | 0.0% | PLN 420 | A | 5 Sep 2026 |
| Bleap Card | 1.0% | 1.0% | $0 | 0.0% | PLN 210 | B | 5 Sep 2026 |
| Wirex One Card | 0.5% | 8.0% | $0 | 0.0% | PLN 210 | B | 5 Sep 2026 |
| Bitget Wallet Card | 2.0% | 2.0% | $0 | 1.7% | PLN 126 | B | 6 Sep 2026 |
| eToro Visa Debit Card | 0.0% | 0.0% | — | 0.0% | PLN 0 | B | 6 Sep 2026 |
| Gnosis Pay Card | 0.0% | 4.0% | — | 0.0% | PLN 0 | A | 5 Sep 2026 |
| Krak Card | 0.0% | 2.0% | $0 | 0.0% | PLN 0 | A | 5 Sep 2026 |
| MetaMask Card | 1.0% | 1.0% | $0 | 1.0% | PLN 0 | B | 5 Sep 2026 |
| SwissBorg Crypto Debit Card | 0.1% | 0.9% | $0 | 0.0% | −PLN 395 | A | 6 Sep 2026 |
| Bitrefill Card | 1.0% | 1.0% | $0 | 0.0% | −PLN 416 | A | 6 Sep 2026 |
| Bit2Me Card | n/d | n/d | $0 | — | −PLN 819 | B | 5 Sep 2026 |
| Crypto.com Visa Card | 0.0% | 5.0% | $0 | 2.0% | −PLN 840 | B | 5 Sep 2026 |
| Plutus Card | 0.0% | 9.0% | $0 | 2.5% | −PLN 1,050 | B | 5 Sep 2026 |
| Nexo Card | 0.5% | 0.5% | $0 | 2.0% | −PLN 1,617 | A | 5 Sep 2026 |
| KuCard — not verified — no page | n/d | n/d | — | — | — | C | — |