Blackcatcard Review 2026
Reviewed by Mihail B. in · · how we verify
Algorithmic score, not user reviews: how it is calculated
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Fees and limits
| Issuance fee | Free (first card, free delivery); additional card EUR 7 |
|---|---|
| Annual fee | EUR 0/month with one card; EUR 2/month if holding additional cards |
| FX fee | 3% mark-up on non-EUR card purchases and ATM withdrawals; SEK, CZK, PLN and RON are exempt |
| ATM limit | EU ATMs free up to EUR 200/month then 1%; non-EU 1% (min EUR 1.50); EUR 5,000/day, EUR 10,000/month |
| Spending limit | EUR 5,000/day ATM cap; crypto buys, sells and external transfers capped at EUR 2,000 per transaction and per day and EUR 10,000 a month |
Fees change; the current ones are in Blackcatcard’s terms.
Features
- Cashback: 0.5% (5% Google Play)
The fine print
- 0.5% on card purchases, capped at EUR 100 a month
- 5% at Google Play
- 2% on Amazon, capped at EUR 50 a month
- Only one bonus program runs at a time, so choosing cashback switches off the balance reward
- KYC: Yes
- Card type: Virtual + Physical
- Top up with: SEPA transfer, card-to-card (3%), internal transfers, selling crypto (BTC, ETH, USDT ERC-20/TRC-20, USDC) to EUR in-app
- Available countries: Card for EEA residents only: Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland…
Full list
- … France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Iceland, Liechtenstein, Norway
- Residents of other countries get the account and IBAN without a card
- Sanctioned jurisdictions excluded
Who issues the Blackcatcard
The Blackcatcard is issued by Papaya Ltd, Malta (MFSA registration C 55146) (Electronic money institution (EMI)). The issuer is named in the source linked below. Self-issuing EMI: "Blackcatcard is issued by Papaya Ltd."
Primary source · All cards issued by Papaya Ltd · Why the issuer matters
Supported cryptocurrencies
You can load the Blackcatcard with crypto; the 4 assets we track for it are listed below.
Pros and cons
Pros
- No issuance or monthly fee for one card
The fine print
- Free Maltese IBAN, also for non-EEA residents
- First EUR 200 of ATM cash a month free
- Issued by Papaya Ltd, an MFSA-licensed e-money institution
- Instant virtual card
- 4% p.a. balance reward at EUR 300 or more, or cashback instead
Cons
- Crypto must be sold to EUR before spending
The fine print
- 3% FX mark-up on non-EUR spend
- Only four coins, capped at EUR 2,000 a day
- 3% fee to top up by card
- No card at all for non-EEA residents
- Apple Pay only for residents of seven countries
- EUR 15 a month dormancy fee after six months without activity
Regional availability
Available in most of the EEA
Europe: the card, virtual or plastic, is for EEA residents only; residents of other countries can open the account and IBAN without a card.
Banking and fiat rails
Card overview
Blackcatcard, now renamed Blackcat, is a euro e-money account from Papaya Ltd, a Malta-authorized EMI (reg C55146), with a free Mastercard and a light BTC/ETH/USDT/USDC wallet run by the crypto partner Manerio, folded into one app. Your money sits in an e-money account with no Depositor Compensation Scheme cover. The official site says so in plain words. This is not a bank account, and it is not self-custody.
The crypto wallet is custodial too. The card itself is free: a virtual one instantly, a physical one shipped. Extra cards run €7, or €12 with a custom nickname, and holding more than one flips monthly maintenance from free to €2. You get a free personal Maltese IBAN and 5 free outgoing SEPA transfers a month, then €0.20 each.
Two fees decide the deal. Card top-up costs 3% per the official pricing, so fund by SEPA and skip it entirely. And non-EUR card purchases and ATM withdrawals carry a 3% mark-up, except in SEK, CZK, PLN and RON. ATM withdrawals in the EU are free to €200/month, then 1%; outside the EU 1% (minimum €1.50).
You pick one bonus: 0.5% cashback on card purchases, capped at €100 a month, or a 4% yearly reward on a balance of €300 or more. Apple Pay works only for residents of seven countries; Google Pay works. The card itself is for EEA residents only; others get the account and IBAN without it. Dormancy costs €15/month from the 7th idle month.
- Best fit
- EEA residents who want a free euro IBAN with SEPA rails plus a Mastercard and a basic crypto wallet in one place
- Wrong card if
- you want deposit protection, self-custody, spend often in non-euro currencies, or want cashback as the main draw
Common questions about the Blackcatcard
We do not collect user reviews. Answers come from the card terms, the issuer disclosure and the regulator registers we could reach, rechecked on the Data verified date above.
