HODL Card Review 2026
Reviewed by Mihail B. in · how we verify
Algorithmic score, not user reviews: how it is calculated
Closed to new applicants since . Cards you can still get
Fees and limits
| Issuance fee | $99.99 (Plastic); $249.99 (Metal); $5,000 (Gold Plated) |
|---|---|
| Annual fee | $9.99/month (Plastic); $13.99/month (Metal); $29.99/month (Gold Plated) |
| FX fee | Not disclosed (2% ATM fee regardless of currency) |
| ATM limit | $1,500/day (2% ATM fee, min $1.95) |
| Spending limit | Not disclosed |
Features
- Cashback: Discontinued (issuer Nvayo barred from e-money business by the FCA on 8 August 2023; card no longer issued or operational)
- KYC: Yes
- Card type: Physical only
- Top up with: Wire transfer, debit card, credit card; BTC, ETH, BCH, LTC, EOS, USDT, USDC, BAT, PAX
- Available countries: EU/EEA for card distribution; usable in 200+ countries
Who issues the HODL Card
Our issuer directory has no verified entry for the HODL Card yet: a bank goes in only with a source we can cite. 39 of the 141 cards you can still get are in the same position. See our BIN-sponsor research for why disclosure varies and what it means for you.
Pros and cons before it closed
Pros
- Up to 22% cashback on select purchases; luxury card tiers; 200+ country usage; multiple crypto supported
Cons
- Very high entry ($99-$5000); monthly fees ($10-30/mo); $0.20 per transaction; issuer lost its FCA e-money permissions in August 2023
- Card issuance fee: $99.99 (Plastic)
- Annual fee: $9.99/month (Plastic)
Regional availability
Was available worldwide
The HODL Card was available in most countries.
Banking and fiat rails
Card overview
Don't try to apply. The HODL Card stopped working in August 2023, when the FCA barred its issuer, Nvayo Limited, from e-money business. Club Swan sold it as the HODL Collection, a physical Mastercard Debit at the top of the price range: $99.99 for plastic, $249.99 for metal and $5,000 for a gold-plated card, plus $9.99 to $29.99 a month. Nvayo, an FCA-authorised e-money firm, issued the cards.
From 8 August 2023 it could not onboard anyone new or load wallets and prepaid cards, and its own customer notice said existing cards would stop working at merchants and ATMs. The FCA register now also shows Nvayo in an insolvency process. You will find it written elsewhere that a MELD acquisition ended the card; we could not find a primary source for that, and the regulator's dates fit the shutdown. The old clubswan.com domain has since been resold and hosts an unrelated blog, so don't follow that link either.
While it ran, the card allowed $1,500 a day at ATMs for a 2% fee, with a $1.95 minimum. Best fit: nobody, the product no longer exists. We keep this entry only because third-party catalogues still list HODL Card as if active. It isn't.
