Cardefi
Poland

Crypto cards in Poland

17 cards are available to residents of Poland, according to Cardefi data (160 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 (+$226) 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.

some links pay us a commission — marked on each card, never in the rankingFormula v1.2

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 3.71 per USD (rates of 6 Sep 2026); the formula runs in USD.
Spend assumed
PLN 3,500 a month, an assumption — change it in the list.
Filters

17 cards · 51 not available in Poland

  1. ether.fi Cash

    Visa·Hybrid custody·metal

    Available

    Cashback at your stake

    3.0%

    No stake required

    Min. stake
    None
    Annual fee
    —
    FX fee
    1.0%
    Net value / yr
    +PLN 840
    Open at ether.fi

    Breaks even from $0 spendPaid in USDCApple PayGoogle PayVerified 5 Sep 2026Report a wrong figure

  2. OKX Card (EEA)

    Mastercard·Self-custody

    Available

    Cashback at your stake

    2.0%

    No stake required

    Min. stake
    None
    Annual fee
    $0
    FX fee
    0.0%
    Net value / yr
    +PLN 798
    Open at OKX

    Breaks even from $0 spendPaid in USDGApple PayGoogle PayVerified 6 Sep 2026Report a wrong figure

  3. CL Card powered by Ledger

    —·Custodial

    Available

    Cashback at your stake

    1.0%

    No stake required

    Min. stake
    None
    Annual fee
    $0
    FX fee
    0.0%
    Net value / yr
    +PLN 420
    Open at Ledger

    Breaks even from $0 spendPaid in BTC or USDC or USDTApple PayGoogle PayVerified 5 Sep 2026Report a wrong figure

  4. Bleap Card

    —·Custodial

    Available

    Cashback at your stake

    1.0%

    No stake required

    Min. stake
    None
    Annual fee
    $0
    FX fee
    0.0%
    Net value / yr
    +PLN 210
    Open at Bleap

    Breaks even from $0 spendPaid in USDCVerified 5 Sep 2026Report a wrong figure

  5. Wirex One Card

    Visa·Custodial·metal

    Available

    Cashback at your stake

    0.5%

    up to 8.0% at $50k in WPAY

    Min. stake
    None
    Annual fee
    $0
    FX fee
    0.0%
    Net value / yr
    +PLN 210
    Open at Wirex

    Breaks even from $0 spendPaid in USDVerified 5 Sep 2026Tied on net value — ranked by nameReport a wrong figure

  6. Bitget Wallet Card

    Mastercard·Custodial

    Available

    Cashback at your stake

    2.0%

    No stake required

    Min. stake
    None
    Annual fee
    $0
    FX fee
    1.7%
    Net value / yr
    +PLN 126
    Open at Bitget Wallet

    Breaks even from $33/yr spendPaid in WBTC or XAUt or xStocks or USDCApple PayGoogle PayVerified 6 Sep 2026Report a wrong figure

  7. eToro Visa Debit Card

    Visa·Custodial

    Available

    Cashback at your stake

    0.0%

    No stake required

    Min. stake
    —
    Annual fee
    —
    FX fee
    0.0%
    Net value / yr
    PLN 0
    Open at eToro

    Breaks even from $0 spendPaid in StocksApple PayGoogle PayVerified 6 Sep 2026Report a wrong figure

  8. Gnosis Pay Card

    Visa·Self-custody

    Available

    Cashback at your stake

    0.0%

    up to 4.0% at $11.5k in GNO

    Min. stake
    $12
    Annual fee
    —
    FX fee
    0.0%
    Net value / yr
    PLN 0
    Open at Gnosis Pay

    Breaks even from $0 spendPaid in GNOApple PayGoogle PayVerified 5 Sep 2026Tied on net value — ranked by nameReport a wrong figure

  9. Krak Card

    Mastercard·Custodial·metal

    Available

    Cashback at your stake

    0.0%

    up to 2.0% at $58.1k in balance

    Min. stake
    $232
    Annual fee
    $0
    FX fee
    0.0%
    Net value / yr
    PLN 0
    Open at Kraken

    Breaks even from $0 spendPaid in EUR or BTCApple PayGoogle PayVerified 5 Sep 2026Tied on net value — ranked by nameReport a wrong figure

  10. MetaMask Card

    Mastercard·Self-custody·metal

    Available

    Cashback at your stake

    1.0%

    up to 3.0% with Metal

    Min. stake
    None
    Annual fee
    $0
    FX fee
    1.0%
    Net value / yr
    PLN 0
    Open at MetaMask

    Breaks even from $0 spendPaid in mUSDApple PayGoogle PayVerified 5 Sep 2026Tied on net value — ranked by nameReport a wrong figure

  11. SwissBorg Crypto Debit Card

    Mastercard·Self-custody

    Available

    Cashback at your stake

    0.1%

    up to 0.9% at $1.9k in BORG

    Min. stake
    None
    Annual fee
    $0
    FX fee
    0.0%
    Net value / yr
    −PLN 395
    Open at SwissBorg

    Breaks even from $0 spendPaid in BORGApple PayGoogle PayVerified 6 Sep 2026Report a wrong figure

  12. Bitrefill Card

    Visa·Custodial

    Available

    Cashback at your stake

    1.0%

    No stake required

    Min. stake
    None
    Annual fee
    $0
    FX fee
    0.0%
    Net value / yr
    −PLN 416
    Open at Bitrefill

    Breaks even from $0 spendPaid in EUR store creditVerified 6 Sep 2026Report a wrong figure

  13. Bit2Me Card

    Mastercard·Custodial

    Available

    Cashback at your stake

    n/d

    Cashback rate not published by the issuer

    Min. stake
    —
    Annual fee
    $0
    FX fee
    —
    Net value / yr
    −PLN 819
    Open at Bit2Me

    Paid in B2MApple PayGoogle PayVerified 5 Sep 2026Report a wrong figure

  14. Crypto.com Visa Card

    Visa·Custodial·metal

    Available

    Cashback at your stake

    0.0%

    up to 5.0% at $522.6k in CRO

    Min. stake
    $523
    Annual fee
    $0
    FX fee
    2.0%
    Net value / yr
    −PLN 840
    Open at Crypto.com

    Fees exceed rewards at this stakePaid in CROVerified 5 Sep 2026Report a wrong figure

  15. Plutus Card

    Visa·Custodial

    Available

    Cashback at your stake

    0.0%

    up to 9.0% at $5.8k in PLU

    Min. stake
    $291
    Annual fee
    $0
    FX fee
    2.5%
    Net value / yr
    −PLN 1,050
    Open at Plutus

    Breaks even from $0 spendPaid in PLUVerified 5 Sep 2026Report a wrong figure

  16. Nexo Card

    Mastercard·Hybrid custody

    Available

    Cashback at your stake

    0.5%

    Base tier · $5k locked

    Min. stake
    $5,000
    Annual fee
    $0
    FX fee
    2.0%
    Net value / yr
    −PLN 1,558
    Open at Nexo

    Breaks even from $0 spendPaid in NEXO or BTCApple PayGoogle PayVerified 5 Sep 2026Report a wrong figure

  17. KuCard — not verified — no page

    Visa·Custodial

    AvailableNot yet verified

    Cashback at your stake

    n/d

    Cashback rate not published by the issuer

    Min. stake
    —
    Annual fee
    —
    FX fee
    —
    Net value / yr
    —
    Open at KuCoin

    Paid in USDTApple PayGoogle PayNot yet verified

All 17 cards, one table
CardCashback at your stake ($0)Max cashbackAnnual feeFX feeNet value / yrConfidenceVerified
ether.fi Cash3.0%3.0%—1.0%PLN 840B5 Sep 2026
OKX Card (EEA)2.0%2.0%$00.0%PLN 798A6 Sep 2026
CL Card powered by Ledger1.0%1.0%$00.0%PLN 420A5 Sep 2026
Bleap Card1.0%1.0%$00.0%PLN 210B5 Sep 2026
Wirex One Card0.5%8.0%$00.0%PLN 210B5 Sep 2026
Bitget Wallet Card2.0%2.0%$01.7%PLN 126B6 Sep 2026
eToro Visa Debit Card0.0%0.0%—0.0%PLN 0B6 Sep 2026
Gnosis Pay Card0.0%4.0%—0.0%PLN 0A5 Sep 2026
Krak Card0.0%2.0%$00.0%PLN 0A5 Sep 2026
MetaMask Card1.0%1.0%$01.0%PLN 0B5 Sep 2026
SwissBorg Crypto Debit Card0.1%0.9%$00.0%−PLN 395A6 Sep 2026
Bitrefill Card1.0%1.0%$00.0%−PLN 416A6 Sep 2026
Bit2Me Cardn/dn/d$0—−PLN 819B5 Sep 2026
Crypto.com Visa Card0.0%5.0%$02.0%−PLN 840B5 Sep 2026
Plutus Card0.0%9.0%$02.5%−PLN 1,050B5 Sep 2026
Nexo Card0.5%0.5%$02.0%−PLN 1,558A5 Sep 2026
KuCard — not verified — no pagen/dn/d———C—

Cashback at three stakes

A single headline rate hides the stake behind it. Of the 14 cards that pay cashback, 6 pay more once crypto is locked up. Rates are shown at PLN 3,500 a month.

CardStaked $0Staked $1,000Staked $10,000
Plutus Cardrate rises with stake0.0%5.0%9.0%
ether.fi Cashflat rate3.0%3.0%3.0%
Wirex One Cardrate rises with stake0.5%1.0%3.0%
Crypto.com Visa Cardrate rises with stake0.0%2.0%3.0%
Gnosis Pay Cardrate rises with stake0.0%2.0%3.0%
Bitget Wallet Cardflat rate2.0%2.0%2.0%
OKX Card (EEA)flat rate2.0%2.0%2.0%
Bitrefill Cardflat rate1.0%1.0%1.0%
Bleap Cardflat rate1.0%1.0%1.0%
CL Card powered by Ledgerflat rate1.0%1.0%1.0%

Rates are the best any tier reaches at each stake. Locking up crypto carries its own risk, which no rate on this table accounts for.

The last 90 days in Poland

1 change since 9 Jun 2026: 1 card became available, 0 closed or paused, and 0 changed their terms.

Every change, with sources →

Nearby markets

Sources