Mobilum 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
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Card Overview
Mobilum is mostly a whitelabel card platform. The mobilum.com/en/cards page is titled "Whitelabel Crypto Card" and pitches companies that want to issue co-branded Mastercards under their own brand, not consumers. The end-user card is a custodial Mastercard Prepaid with a personal IBAN attached. Issuance is $1. No annual fee. The fee stack adds up: a 0.5% MBM access fee, a 0.5% MBM transaction fee, and FX conversion at Mobilum's internal rate that effectively adds roughly 2.5% on cross-currency purchases. No cashback. Funding works from BTC, ETH, and major cryptos, plus fiat in EUR, USD, and PLN. The card-linked IBAN takes wire top-ups in those three currencies with SEPA included and SWIFT available. The footprint is broader than most prepaid cards in this category: USA, Canada, and 30+ EEA countries. ATM works at any Mastercard ATM, with specific fees not published. A Bitcoin banking suite with DeFi yields and BTC-backed loans is listed as coming. Best fit: Polish or EU users who want a multi-currency IBAN tied to a Mastercard with crypto top-up and do not need rewards. Wrong card if rewards or self-custody matter.
Mobilum is positioned primarily as a whitelabel Crypto Card provider for B2B partners. The consumer-facing Mobilum Card itself is a Mastercard Prepaid available across 30+ countries (USA/Canada/EEA) with Apple Pay and Google Pay support, multi-card account, and peer-to-peer transfers via phone or Mobilum ID. Card-linked IBAN/SEPA top-ups available. Note: most active development effort is on the whitelabel offering, not the consumer card.
This is a Mastercard crypto card. Available to US residents. Available in Europe.
Fees & Limits
| Issuance Fee | $1 |
|---|---|
| Annual Fee | Free |
| FX Fee | 0.5% MBM access fee + 0.5% MBM transaction fee |
| ATM Limit | Available at Mastercard ATMs |
| Spending Limit | Based on verification level |
These figures can change. Confirm the current fees, FX and network in Mobilum’s official terms before you apply.
Features
- Welcome Bonus: $1 bonus
- Card Type: Virtual + Physical
- Top up with: BTC, ETH and major cryptocurrencies plus fiat (EUR, USD, PLN)
- Available Countries: Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Hungary, Iceland, Ireland, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden
Banking & Fiat Rails
IBAN yes (card-linked IBAN for wire top-ups, EUR/USD/PLN); SEPA yes; SWIFT via wire
Who issues the Mobilum Card
Mobilum 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 Mobilum Card with crypto; the 2 assets we track for it are listed below. When you pay, the card converts crypto to local fiat automatically.
Networks & deposit details: Direct crypto top-ups (BTC, ETH, USDT, USDC and more); non-custodial
Who Is the Mobilum Card Best For?
The Mobilum Card is a good fit for holders who want their balance to keep earning while it sits on the card.
It lets you spend crypto at millions of merchants without converting everything to fiat first.
The card is currently available in USA, Canada, EEA, so it works for residents and travellers in those areas.
Best for
- People who want a straightforward, app-managed crypto card
- US residents who want a crypto spending card
Avoid if
- You want a card that earns cashback
- You need full non-custodial control of your funds
- You want a card backed by government deposit insurance (FDIC / FSCS)
Compare the Mobilum Card side-by-side with alternatives using the full card listing or explore our Mastercard crypto cards category.
Pros & Cons
Pros
- Multiple cards under one account; instant transfers via phone/Mobilum ID; loans available; free peer-to-peer transfers
- No annual maintenance fee
- Works wherever Mastercard is accepted worldwide
- Covers the European Economic Area (EEA)
- Virtual card ready right away, no shipping wait
- Welcome bonus: $1 bonus
Cons
- 2.5% FX fee; fully custodial; conversion rates include Mobilum's margin; no cashback currently
- Card issuance fee: $1
- Only available in certain regions
- Full KYC required, no anonymous tier
How to Get the Mobilum Card
Here is what the sign-up process looks like, from application to first purchase.
Create a Mobilum account
A few minutesGo to the Mobilum website or download the app. Sign up with your email, pick a password, and accept the terms.
Complete identity verification
Varies by issuerMobilum 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 BTC, ETH and major cryptocurrencies plus fiat (EUR, USD, PLN) through the funding screen. When you make a purchase, your crypto converts to local fiat at the current rate.
Start spending immediately
InstantYour virtual Mobilum Card shows up in the Mobilum 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 Mobilum 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 Mobilum Card
What are the fees for the Mobilum Card?
Where is the Mobilum Card available?
What cryptocurrencies does the Mobilum Card support?
What are the Mobilum Card's ATM and spending limits?
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