HODL Card Review 2026
Last reviewed · against issuer documentation
How this rating is calculated · Algorithmic score, not user reviews
Independently reviewed by Mihail B. · how we verify
Get HODL CardNot a partner link. We earn nothing from this card; it goes straight to the issuer.
Card Overview
Don't try to apply. The HODL Card has been dead since the MELD acquisition. The card was a Club Swan product, a physical Mastercard Debit issued by Wallester, positioned at the high-spend tier with $99.99 for plastic, $249.99 for metal, and $5,000 for a gold-plated SKU, plus monthly fees from $9.99 to $29.99. Club Swan was acquired by MELD in 2023, and the HODL Card has not been available to new or existing users since that transition. The clubswan.com domain is repurposed. No reference to the card. No path to sign up. If you held a HODL Card before the acquisition, the relevant action is to contact MELD or Wallester about any residual balance, not Club Swan. The legacy cashback structure ran 2-22% by category, capped at unspecified monthly limits, with ATM access at $1,500/day and a 2% ATM fee. Best fit: nobody, the product no longer exists. We're keeping this entry only because third-party catalogues still list HODL Card as if active. It isn't.
HODL Card was the HODL Collection sold by Club Swan: a luxury Mastercard debit card offering 2-22% cashback depending on purchase category, in three tiers — Plastic, Metal, and Gold Plated with Diamonds. Supported BTC, ETH, and 7+ cryptocurrencies. Note: the cards were issued by Nvayo Limited, which the FCA barred from e-money business on 8 August 2023; the card has not been obtainable since.
This is a Mastercard crypto card. Available in Europe.
Fees & 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 |
These figures can change. Confirm the current fees, FX and network in HODL’s official terms before you apply.
Features
- 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
Banking & Fiat Rails
Not disclosed (Nvayo-issued; no standalone IBAN advertised)
Who issues the HODL Card
HODL Card does not name its BIN sponsor in any public document we could reach. That is not unusual — around a quarter of the cards we track do the same. See our BIN-sponsor research for why disclosure varies and what it means for you.
Supported Cryptocurrencies
You can load the HODL Card with crypto; the 5 assets we track for it are listed below. When you pay, the card converts crypto to local fiat automatically.
Networks & deposit details: Crypto-to-fiat top-up within the Club Swan platform (BTC, ETH, BCH, LTC, EOS, USDT, USDC, BAT, PAX)
Who Is the HODL Card Best For?
The HODL Card is a good fit for crypto holders who want a simple way to spend their coins without managing wallets by hand.
It lets you spend crypto at millions of merchants without converting everything to fiat first.
The card is currently available in EU, EEA, Global, so it works for residents and travellers in those areas.
Best for
- People who want a straightforward, app-managed crypto card
- European users within EEA countries
Avoid if
- You want a card that earns cashback
- You need full non-custodial control of your funds
- You're a US resident (this card doesn't support US users)
- You want a card backed by government deposit insurance (FDIC / FSCS)
Compare the HODL Card side-by-side with alternatives using the full card listing or explore our Mastercard crypto cards category.
Pros & Cons
Pros
- Up to 22% cashback on select purchases; luxury card tiers; 200+ country usage; multiple crypto supported
- Works wherever Mastercard is accepted worldwide
- Available in most countries
- Banking rails: IBAN support
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
- Does not offer cashback or rewards
- Card 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)
- Custodial: the issuer holds your funds
- Full KYC required, no anonymous tier
How to Get the HODL Card
Here is what the sign-up process looks like, from application to first purchase.
Create a HODL account
A few minutesGo to the HODL website or download the app. Sign up with your email, pick a password, and accept the terms.
Complete identity verification
Varies by issuerHODL runs standard KYC: a government-issued photo ID and usually a selfie. Processing time varies by issuer and load.
Fund your card
Usually instantLoad your card with Wire transfer, debit card, credit card; BTC, ETH, BCH, LTC, EOS, USDT, USDC, BAT, PAX through the funding screen. When you make a purchase, your crypto converts to local fiat at the current rate.
Receive and activate your card
Shipping variesYour physical HODL Card ships to your address — delivery time depends on your country. Activate it in the HODL app.
Requirements
Regional Availability
Available Worldwide
The HODL Card is available in most countries. Some places may be excluded because of local financial regulations, so check the HODL website to confirm before you apply.
Common questions about the HODL Card
What are the fees for the HODL Card?
Where is the HODL Card available?
What cryptocurrencies does the HODL Card support?
What are the HODL Card's ATM and spending limits?
Similar Cards Worth Comparing
