Mercuryo Spend 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 Mercuryo Spend CardNot a partner link. We earn nothing from this card; it goes straight to the issuer.
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 jumped to Paynetics on January 1, twenty days 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.
Mercuryo Spend Card is a self-custody Mastercard that lets you spend directly from your non-custodial wallet at 150M+ merchants. Supporting 70+ cryptocurrencies across 14+ blockchains including Ethereum, Solana, and Polkadot, it integrates with Ledger Live and Nova Wallet. Low 0.95% off-ramp fee with Apple Pay and Google Pay support.
This is a Mastercard crypto card. It uses a self-custody model. Available in Europe.
Fees & 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 |
These figures can change. Confirm the current fees, FX and network in Mercuryo Spend’s official terms before you apply.
Features
- 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, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden
Banking & Fiat Rails
None — virtual Mastercard, no IBAN/SEPA/SWIFT account
Who issues the Mercuryo Spend Card
Mercuryo Spend 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 Mercuryo Spend Card with crypto; the 3 assets we track for it are listed below. When you pay, the card converts crypto to local fiat automatically.
Networks & deposit details: BTC, ETH at launch (stablecoins/more tokens planned); funded via Ledger Live
Who Is the Mercuryo Spend Card Best For?
The Mercuryo Spend Card is a good fit for DeFi users and privacy-focused holders who want to keep their own keys until they actually spend.
It lets you spend crypto at millions of merchants without converting everything to fiat first.
The card is currently available in EEA, so it works for residents and travellers in those areas.
Best for
- DeFi users who want to hold their own keys
- European users within EEA countries
Avoid if
- You want a card that earns cashback
- You're a US resident (this card doesn't support US users)
- You need traditional bank integration (IBAN, SEPA, direct debits)
Compare the Mercuryo Spend Card side-by-side with alternatives using the full card listing or explore our Mastercard crypto cards category.
Pros & Cons
Pros
- True self-custody (spend from your own wallet); 70+ cryptos on 14+ chains; integrated with Ledger Live; 0.95% off-ramp fee
- Works wherever Mastercard is accepted worldwide
- Self-custody: you keep your private keys until you spend
- Covers the European Economic Area (EEA)
- Virtual card ready right away, no shipping wait
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)
- Only available in certain regions
- Full KYC required, no anonymous tier
- No IBAN or bank account, prepaid only
How to Get the Mercuryo Spend Card
Here is what the sign-up process looks like, from application to first purchase.
Create your Mercuryo Spend account
A few minutesGo to the Mercuryo Spend website or download the app.
Complete identity verification
Varies by issuerMercuryo Spend 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 Crypto from non-custodial wallets — 70+ cryptocurrencies across 14+ blockchains (Ethereum, Polygon, Solana, BSC, etc.) through the funding screen.
Start spending immediately
InstantYour virtual Mercuryo Spend Card shows up in the Mercuryo Spend app right away. Use it online or add it to Apple Pay / Google Pay for tap-to-pay in stores.
Requirements
Regional Availability
Available Across the EEA
The Mercuryo Spend Card covers the EU member states plus Iceland, Liechtenstein, and Norway. If you're in the UK, check with the issuer about post-Brexit availability.
Key supported countries:
Common questions about the Mercuryo Spend Card
What are the fees for the Mercuryo Spend Card?
Where is the Mercuryo Spend Card available?
What cryptocurrencies does the Mercuryo Spend Card support?
What are the Mercuryo Spend Card's ATM and spending limits?
Similar Cards Worth Comparing
