Mercuryo Spend 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 | EUR 1.60 |
|---|---|
| Annual fee | EUR 12/year (EUR 1/month) |
| FX fee | 0.95% off-ramp fee |
| ATM limit | Not available (virtual card only) |
| Spending limit | EUR 5,000/transaction; EUR 10,000/day; EUR 40,000/month |
Features
- KYC: Yes
- Card type: Virtual only
- Top up with: Crypto from non-custodial wallets: 70+ cryptocurrencies across 14+ blockchains (Ethereum, Polygon, Solana, BSC, etc.)
- Available countries: Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary…
Full list
… Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden
Who issues the Mercuryo Spend Card
Our issuer directory has no verified entry for the Mercuryo Spend Card yet: a bank goes in only with a source we can cite. 40 of the 142 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
- True self-custody (spend from your own wallet); 70+ cryptos on 14+ chains; integrated with Ledger Live; 0.95% off-ramp fee
Cons
- Virtual only (no physical card); EEA only; EUR 1/month maintenance; no cashback; no ATM access
- Card issuance fee: EUR 1.60
- Annual fee: EUR 12/year (EUR 1/month)
- No IBAN or bank-account features
Regional availability
Was available across the EEA
The Mercuryo Spend Card covered the EU member states plus Iceland, Liechtenstein and Norway.
Was available in these regions:
Banking and fiat rails
Card overview
Gone. The Spend Card programme closed on July 11, 2026, and this card is worth reading about only as a lesson in how these products die. Mercuryo published the notice on July 7: the programme, run with Paynetics, was being discontinued, July 10 was the last day the card worked, and accounts closed the next day. If you still hold a balance, Paynetics refunds it by wire on request to support@paynetics.digital, minus closure fees.
What makes Spend unusual is that it died twice in six months on two different issuers. Its first issuer, Quicko, lost its Polish licence in January 2026 and took CEX.IO's card down with it, but Mercuryo had already replaced that card with a Paynetics one in December 2025, three weeks ahead of the regulator. It survived the cascade that killed its neighbours, then closed anyway when the second issuer relationship ended.
The product itself was a virtual Mastercard Debit, self-custody at top-up, funded from 70+ cryptocurrencies across 14+ blockchains, EUR 1.60 to issue, EUR 1/month, 0.95% off-ramp fee, EEA-only, no cashback, no ATM, no IBAN. What remains at mercuryo.io/spend is B2B: card issuance sold to wallets and Web3 companies, leading with "Book demo." If you met a Mercuryo card inside another app, that partner issued it on Mercuryo rails, and you should ask the partner what happens to it now.
