Holyheld Card Review 2026

Reviewed by Mihail B. in October 2026 · Data verified October 14, 2026 · how we verify

3.6 / 5.0Sweepbase rating

Algorithmic score, not user reviews: how it is calculated

Get Holyheld Card

Not a partner link. We earn nothing from this card; it goes straight to the issuer.

CustodyHybrid custody

Network—

CashbackNot published

Regions—

Fees and limits

Issuance fee	Not published: the personal pricing page lists only the membership and transfer fees
Annual fee	CHF 0 a year for the personal membership, by invitation; no card fee is published
FX fee	Not published: the Terms list no card FX fee and say fees are notified in the account, and the pricing page lists only… The fine print … membership and transfer fees, including 1% to on-ramp or off-ramp
ATM limit	Not published on Holyheld's current pages
Spending limit	Not published on Holyheld's current pages

Fees change; the current ones are in Holyheld’s terms.

Features

Cashback: Not published: Holyheld's current personal page, personal pricing page and Terms mention no cashback for personal members
Network: Debit, card network not named on Holyheld's current pages
Custody: Hybrid custody
The fine print
Hybrid: the Terms say Holyheld provides no custodial services and you connect your own wallet, but the card spends from an electronic money account opened with Holyheld's partners under their own terms
KYC: Yes
Card type: Debit card; the current pages do not say whether it is virtual, physical or both, and publish no card tiers
Top up with: Connect your own wallet and exchange crypto-assets into the fiat account (off-ramp, 1%)
Full list
Incoming SEPA, ACH and Faster Payments transfers to your account are free
Available countries: Not published. The current Terms cover residents of, or people located in, Switzerland; Holyheld no longer publishes a country list for personal members

Who issues the Holyheld Card

Holyheld Card does not name its issuer outright, and on the documents we could reach, the sponsor appears to be Unlimit EU Ltd, Cyprus (Central Bank of Cyprus EMI, company number HE 328641), inferred from the program manager and not stated by the issuer itself. Holyheld's terms no longer name the issuer; they named Unlimit EU when read earlier in 2026.

Primary source · All cards issued by Unlimit EU Ltd · Why the issuer matters

Supported cryptocurrencies

Networks & deposit details: 20+ networks and 30,000+ tokens, including Solana and Arbitrum; no full network list is published

Supported assets: Connect your own wallet and exchange crypto-assets into the fiat account (off-ramp, 1%)

Full list

Incoming SEPA, ACH and Faster Payments transfers to your account are free

Pros and cons

Pros

✓
CHF 0 annual membership
The fine print
- The Terms say Holyheld provides no custodial services and you connect your own wallet
- Personal IBAN with free incoming SEPA
- Integrated with 150+ stablecoins, protocols and networks

Cons

✗
Personal membership is by invitation only, and Holyheld reviews each application
The fine print
- The current site publishes no card tiers, card prices, cashback rates or FX rates for personal members
- The card network and the card issuer are not named
- 1% fee on on-ramp and off-ramp transfers
- €1 per outgoing SEPA transfer

Regional availability

Availability not published

Not published by country. Personal membership is by invitation, and the current Terms govern users who are residents of, or located in, Switzerland.

Card overview

Holyheld has turned its personal product into a membership by invitation. You request an invite, Holyheld reviews each application and invites only applicants whose needs it can support. The membership costs CHF 0 a year and still includes card spending, so the card stays listed here, but you can no longer simply sign up for it. The current Terms, last updated 1 July 2026, name Holyheld Labs AG in Zug as the operator and cover residents of, or people located in, Switzerland; no country list for personal members is published.

They describe the card only as a debit card from a licensed partner, without naming the issuer. The current pages publish no card tiers, card prices, cashback or FX rates for personal members. The pricing page lists only transfer fees: 1% to on-ramp or off-ramp, and €1 per outgoing SEPA transfer. Custody is split: the Terms say Holyheld provides no custodial services and you connect your own wallet, but the card spends from an electronic money account opened with Holyheld's partners under their own terms.

Treat it as a card to weigh only once you are invited, against the offer you are actually shown.

Editor’s note by Mihail B. · Founder & Editor

Reviewed October 2026 Verified against issuer docs

Holyheld has turned its personal product into a membership by invitation. You request an invite, and Holyheld reviews each application and invites only applicants whose needs it can support. The membership costs CHF 0 a year and still includes card spending, so the card stays listed, but you can no longer simply sign up for it. The current pages publish no card tiers, card prices, cashback rates, FX rates or card limits for personal members, and they do not name the card network.
The pricing page lists only transfer fees, such as 1% to on-ramp or off-ramp and €1 per outgoing SEPA transfer. The Terms, last updated 1 July 2026, name Holyheld Labs AG in Zug as the operator and cover residents of, or people located in, Switzerland. They describe the card only as a debit card issued by a licensed partner and do not name that partner. The help centre no longer loads because its security certificate has expired, and the Apple App Store listing no longer opens.
The old tier prices, cashback rates, wallet support and EEA scope are gone from this page because no current Holyheld source confirms them. Check the offer you are invited to before loading anything.

Common questions about the Holyheld Card

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.

What are the fees for the Holyheld Card?

The Holyheld Card charges no annual fee (CHF 0 a year for the personal membership, by invitation). The issuance fee and the FX fee are not published.

Is the Holyheld Card legit, and who is behind it?

Partly documented: Holyheld Card does not name its issuer outright, and on the documents we could reach the sponsor appears to be Unlimit EU Ltd, Cyprus (Central Bank of Cyprus EMI, company number HE 328641), inferred from the program manager rather than stated by the issuer. Holyheld's terms no longer name the issuer. They named Unlimit EU when read earlier in 2026.