Mobilum Card Review 2026
Reviewed by Mihail B. in · · how we verify
Algorithmic score, not user reviews: how it is calculated
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Fees and limits
| Issuance fee | $5 per virtual card (USD card, per the fee table Mobilum uploaded in March 2026) |
|---|---|
| Annual fee | $1 a month for a virtual card |
| FX fee | Up to 2.5% cross-border fee on payments outside the US; a separate 1.5% fee applies to each card top-up |
| ATM limit | Available at Mastercard ATMs |
| Spending limit | Based on verification level |
Fees change; the current ones are in Mobilum’s terms.
Features
- KYC: Yes
- Card type: Virtual + Physical
- Top up with: BTC, ETH and ERC-20 tokens sent from external wallets; the current fee table covers a USD balance only and charges 1.5% per card top-up
- Available countries: Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Hungary, Iceland…
Full list
… Ireland, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden
Who issues the Mobilum Card
Our issuer directory has no verified entry for the Mobilum Card yet: a bank goes in only with a source we can cite. 39 of the 141 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.
Supported cryptocurrencies
You can load the Mobilum Card with crypto; the 2 assets we track for it are listed below.
Pros and cons
Pros
- Several cards under one account; free same-currency transfers between Mobilum users by phone number or Mobilum ID; Apple Pay and Google Pay
Cons
- Up to 2.5% cross-border fee outside the US
The fine print
- 1.5% fee on every card top-up
- $5 per virtual card plus $1 a month
- custodial
- The payment provider named in Mobilum's terms lost its Polish licence in January 2026 and Mobilum names no successor
- No cashback
- Card issuance fee: $5 per virtual card (USD card, per the fee table Mobilum uploaded in March 2026)
- Annual fee: $1 a month for a virtual card
- FX fee: 2.5% on foreign-currency spend
Regional availability
Available across the EEA
EEA countries named on Mobilum's wallet page; no country outside the EEA is listed.
Key supported countries:
Banking and fiat rails
Card overview
Mobilum's cards page now pitches a white-label card platform to companies, so the consumer product lives on its wallet page instead. There, the card is a custodial Mastercard Prepaid ordered in the Mobilum Pay app, run by Mobilum Pay Sp. z o.o. in Warsaw. The fee table Mobilum uploaded in March 2026 prices a USD virtual card at $5 plus $1 a month, charges 1.5% on every card top-up, and adds up to 2.5% on payments outside the US, but the wallet page no longer links that table and now promises multiple cards 'without additional fees'. No cashback.
Funding is BTC, ETH or ERC-20 tokens sent from an outside wallet into a USD balance. No bank account is published for the current card: the IBAN in Mobilum's terms came with a Quicko payment account, Poland's KNF withdrew Quicko's authorisation on 21 January 2026, and Mobilum names no successor. The only countries listed are in the EEA. 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. We could not confirm that a new customer gets a card today.
- Best fit
- nobody until Mobilum names the provider that now stands behind the card
- Wrong card if
- rewards or self-custody matter, or if you need to know who holds your money
Common questions about the Mobilum 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.
