Mercuryo Spend Card The Path to On-Chain Finance
CARD FEATURE OVERVIEW.
| W BONUS | NONE |
|---|---|
| REG FEE / REQ | FREE |
| CASHBACK | 0% |
| NEED KYC | YES |
| FX FEE | UP TO 1% |
| 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 | NOT DISCLOSED |
| DAILY LIMIT | €10,000 |
Free to issue, free monthly, but three months of inactivity and you start paying €1/month.
Physical cards are now advertised as available but the details are missing: no published shipping costs, no delivery timeframes, no ATM fee schedule.
THE REAL STORY ON THIS CARD.
- Free card issuance and no monthly fee
- Multi-chain support, 70+ cryptocurrencies across 30+ blockchains
- Apple Pay & Google Pay enabled
- Non-custodial
- High limits (€100K monthly, €10K daily)
- Low FX fee (1% on non-EUR)
- ISO 27001 certified, multi-jurisdiction regulation
- Physical cards now available alongside virtual
- Rewards and benefits available (campaign-based)
- EEA-only availability
- No permanent cashback rate
- No yield/interest on card balance
- €1 inactivity fee after 3 months of no use
- Physical card ATM withdrawal status not yet disclosed
- Card is EUR-denominated only
- Multi-entity regulatory model adds complexity for dispute resolution
GENERAL QUESTIONS.
Spend is the latest product from Mercuryo, which will allow you to create a virtual Mastercard which you can top up with Crypto and then use like a regular debit card for everyday transactions.
With Mercuryo Spend, you can:
Create your own Spend Mastercard.
Use your card for online transactions.
Pay for everyday card machine transactions, like at a supermarket or a restaurant.
Top up your Spend Card using your crypto
Convert your crypto to fiat and top-up your desired bank account, via Apple Pay or Google Pay.
Yes! You can use your Spend card in a currency other than EUR. If you do, you'll be charged the Mastercard Exchange rate plus a 1% fee.
Spend is currently only available to the European Economic Area (EEA) citizens and the EU residents.
To pass the verification process, EEA citizens must provide a valid passport or ID card. During verification, you will need to submit your residence address.
Non-EEA citizens must provide a valid passport or ID card from their home country, along with an EU residence permit and a proof of address document to confirm their residency.
