COMPANY detail

CREDITS DEBIT CARD

Transfer money internationally
Card Fallback

CARD FEATURE OVERVIEW.

CREDITS DEBIT CARD - STANDARDCREDITS DEBIT CARD - PLUSCREDITS DEBIT CARD - PREMIUM
TIERS
ADD TO WATCHLIST REMOVE FROM WATCHLIST
W BONUS
NONE
REG FEE / REQ
€5
CASHBACK
0%
NEED KYC
YES
FX FEE
UP TO 2%+€0.60
APR / YIELD
YES
CARD TYPE
VIRTUAL AND PHYSICAL CARD
CARD NETWORK
visamastercard
BLOCKCHAIN
Native
REGION
GLOBAL
WALLET TYPE
CUSTODIAL
MOBILE PAY
YES
BANK TRANSFER
YES
ATM LIMIT
NOT DISCLOSED
DAILY LIMIT
NOT DISCLOSED
GET THE CARD
GET IT NOW
W BONUS
NONE
REG FEE / REQ
€9.99/MO
CASHBACK
0%
NEED KYC
YES
FX FEE
UP TO 2%+€0.60
APR / YIELD
YES
CARD TYPE
VIRTUAL AND PHYSICAL CARD
CARD NETWORK
visamastercard
BLOCKCHAIN
Native
REGION
GLOBAL
WALLET TYPE
CUSTODIAL
MOBILE PAY
YES
BANK TRANSFER
YES
ATM LIMIT
NOT DISCLOSED
DAILY LIMIT
NOT DISCLOSED
GET THE CARD
GET IT NOW
W BONUS
NONE
REG FEE / REQ
€29.90/MO
CASHBACK
0%
NEED KYC
YES
FX FEE
UP TO 2%+€0.60
APR / YIELD
YES
CARD TYPE
VIRTUAL AND PHYSICAL CARD
CARD NETWORK
visamastercard
BLOCKCHAIN
Native
REGION
GLOBAL
WALLET TYPE
CUSTODIAL
MOBILE PAY
YES
BANK TRANSFER
YES
ATM LIMIT
NOT DISCLOSED
DAILY LIMIT
NOT DISCLOSED
GET THE CARD
GET IT NOW
STANDARD
W BONUS NONE
REG FEE / REQ €5
CASHBACK 0%
NEED KYC YES
FX FEE UP TO 2%+€0.60
APR / YIELD YES
CARD TYPE VIRTUAL AND PHYSICAL CARD
CARD NETWORK visamastercard
BLOCKCHAIN Native
REGION GLOBAL
WALLET TYPE CUSTODIAL
MOBILE PAY YES
BANK TRANSFER YES
ATM LIMIT NOT DISCLOSED
DAILY LIMIT NOT DISCLOSED
GET IT NOW
PLUS
W BONUS NONE
REG FEE / REQ €9.99/MO
CASHBACK 0%
NEED KYC YES
FX FEE UP TO 2%+€0.60
APR / YIELD YES
CARD TYPE VIRTUAL AND PHYSICAL CARD
CARD NETWORK visamastercard
BLOCKCHAIN Native
REGION GLOBAL
WALLET TYPE CUSTODIAL
MOBILE PAY YES
BANK TRANSFER YES
ATM LIMIT NOT DISCLOSED
DAILY LIMIT NOT DISCLOSED
GET IT NOW
PREMIUM
W BONUS NONE
REG FEE / REQ €29.90/MO
CASHBACK 0%
NEED KYC YES
FX FEE UP TO 2%+€0.60
APR / YIELD YES
CARD TYPE VIRTUAL AND PHYSICAL CARD
CARD NETWORK visamastercard
BLOCKCHAIN Native
REGION GLOBAL
WALLET TYPE CUSTODIAL
MOBILE PAY YES
BANK TRANSFER YES
ATM LIMIT NOT DISCLOSED
DAILY LIMIT NOT DISCLOSED
GET IT NOW
Last Updated: Sep 30, 2026
REGIONAL AVAILABILITY
CLICK TO VIEW MAP
Available
Restricted
Not Specified

Standard: Free basic account with an IBAN. The debit card and dedicated IBAN are not automatically included.

Plus: €9.99/month — adds Visa/Mastercard debit card + dedicated IBAN, with 10% discounts on international transfers, SEPA, FX, top-ups and withdrawals.

Premium: €29.90/month — includes the debit card + dedicated IBAN and increases those discounts to 50%. Premium can be free for active users with €500+ monthly turnover.

THE REAL STORY ON THIS CARD.

PROS
[ STRENGTHS ]
  • thumbs-up-fill Visa or Mastercard debit card
  • thumbs-up-fill Virtual + physical card
  • thumbs-up-fill Apple Pay & Google Pay
  • thumbs-up-fill Crypto top-ups supported
  • thumbs-up-fill 20+ multi-currency accounts
  • thumbs-up-fill Dedicated IBAN available
  • thumbs-up-fill SEPA & SWIFT transfers
  • thumbs-up-fill 10% fee discount on Plus
  • thumbs-up-fill 50% fee discount on Premium
  • thumbs-up-fill Available to residents of 100+ countries
CONS
[ LIMITATIONS ]
  • thumbs-down-fill International card payments: €0.60 + 2%
  • thumbs-down-fill Standard card issuance: €5
  • thumbs-down-fill Standard card maintenance: FREE or €5/month, depending on activity
  • thumbs-down-fill Standard IBAN: FREE or €10/month, depending on activity
  • thumbs-down-fill No cashback rate disclosed
  • thumbs-down-fill Card-specific blockchain network list not publicly disclosed
  • thumbs-down-fill Country availability varies by jurisdiction

GENERAL QUESTIONS.

Credits is a financial wallet which combines many services in one place: debit cards, dedicated, current accounts, payments and cryptocurrency services.
All these products are integrated into a single Credits Wallet, saving users both time and money.

First, download the Credits’ App for Apple, Android, or use the Web App. Then, verify your identity to open an IBAN account and Debit card with Credits. The entire process is online.

Money in individual IBAN accounts is protected by European legislation and is kept segregated from company assets. Only customers have access to their money.

Incoming transactions are free.
External transfers in Euros via SEPA cost 0.50 euros per payment. See all the fees

https://credits.com/en/fees/

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CREDITS DEBIT CARD
FEATURE STANDARD PLUS PREMIUM
W BONUS NONE NONE NONE
REG FEE / REQ €5 €9.99/MO €29.90/MO
CASHBACK 0% 0% 0%
NEED KYC YES YES YES
FX FEE UP TO 2%+€0.60 UP TO 2%+€0.60 UP TO 2%+€0.60
APR / YIELD YES YES YES
CARD TYPE VIRTUAL AND PHYSICAL CARD VIRTUAL AND PHYSICAL CARD VIRTUAL AND PHYSICAL CARD
CARD NETWORK visamastercard visamastercard visamastercard
BLOCKCHAIN Native Native Native
REGION GLOBAL GLOBAL GLOBAL
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