HOLYHELD CARD One card for all crypto
CARD FEATURE OVERVIEW.
| W BONUS | NONE |
|---|---|
| REG FEE / REQ | €29 |
| CASHBACK | 0.5% |
| NEED KYC | YES |
| FX FEE | UP TO 2.5% |
| APR / YIELD | NO |
| CARD TYPE | VIRTUAL AND PHYSICAL CARD |
| CARD NETWORK | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | NON CUSTODIAL |
| MOBILE PAY | YES |
| BANK TRANSFER | YES |
| ATM LIMIT | €1,000 |
| DAILY LIMIT | €10,000 |
| W BONUS | NONE |
|---|---|
| REG FEE / REQ | €99 |
| CASHBACK | 0.5% |
| NEED KYC | YES |
| FX FEE | UP TO 2.5% |
| APR / YIELD | NO |
| CARD TYPE | VIRTUAL CARD |
| CARD NETWORK | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | NON CUSTODIAL |
| MOBILE PAY | YES |
| BANK TRANSFER | YES |
| ATM LIMIT | €1,000 |
| DAILY LIMIT | €10,000 |
| W BONUS | NONE |
|---|---|
| REG FEE / REQ | €199 |
| CASHBACK | 1% |
| NEED KYC | YES |
| FX FEE | UP TO 2.5% |
| APR / YIELD | NO |
| CARD TYPE | VIRTUAL AND PHYSICAL CARD |
| CARD NETWORK | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | NON CUSTODIAL |
| MOBILE PAY | YES |
| BANK TRANSFER | YES |
| ATM LIMIT | €1,000 |
| DAILY LIMIT | €10,000 |
- Inactivity drains your balance: €1/month for card after 4 months, €1/month for IBAN after 5 months.
USDC is the only Crypto-asset supported for exchange, per Terms §8.6. If you top up with other tokens, they route through third-party smart contracts, not directly through Holyheld's own swap infrastructure.
THE REAL STORY ON THIS CARD.
- Non-custodial
- 24 blockchain networks supported
- Up to 1% USDC cashback
- Personal IBAN for SEPA transfers
- Zero gas fees for top-ups (subsidized by Holyheld)
- 100 free domestic payments per month
- Open-source code on GitHub
- PCI DSS Level 1 compliant
- Only available in Switzerland (per Terms v01.07.2026)
- FX fee of 2.5% + €1 for international transactions
- ATM fees apply (€1 domestic, 2.5% + €2 international)
- USDC-only for direct exchange; other tokens via third-party contracts
- Inactivity fees drain balance (€1/month after 4-5 months)
- KYC required
- Limited to Euro-denominated card
GENERAL QUESTIONS.
Holyheld is currently available to residents of 30 countries with more to come.
With your personal IBAN, you can send and receive SEPA transfers. SEPA transfers are in EUR, and supported by almost all financial institutions in the EEA area. Outgoing SEPA transfers are using SEPA Instant and are typically complete within minutes. However, please note that in some cases it may take longer to process the transfer.
You can receive SEPA transfers to your Holyheld account. To do so you'll need your bank account details. To get your bank account details:
Go to Holyheld Web or mobile app
Click on your Holyheld Card to open card menu
Click on “Account Details”
Confirm the security with the passcode, or biometrics
Copy your IBAN, bank code, and beneficiary bank information by clicking on them
Yes. ATM Domestic: €1, ATM International: 2.5% + €2. Daily limit: €1,000, Monthly limit: €5,000.
