TL;DR.Mercuryo Spend is a Mastercard crypto debit card (Virtual, KYC: Light KYC). Cost per $100 spent: $0.95. Top-up fee 0%, FX fee 0%. Wallet support: Apple Pay + Google Pay. Status: operational. Last verified: May 11, 2026.
CARD PROFILE · LIGHT KYC
Mercuryo Spend.
First Mastercard self-custody crypto card by Mercuryo — fund directly from non-custodial wallets (incl Ledger Live integration), 100M+ merchants, €40K monthly limit.
Cost / $100
$0.95
Top-up fee
Free
Network
Mastercard
Card type
Virtual
IBAN
No
Monthly limit
$40,000
Status
Operational
Pros.
- +Self-custody wallet support — fund directly from non-custodial wallets
- +Mastercard 100M+ merchants worldwide
- +Free + instant in Ledger Live for Ledger users
- +0.95% off-ramp fee
- +€40,000 monthly spend limit
- +Apple Pay & Google Pay supported
- +First Mastercard self-custody crypto card
Cons.
- −€1.60 issuance fee
- −€1/month maintenance (waived if active)
- −Maintenance fee if inactive 3+ consecutive months
- −0.95% off-ramp on every transaction
- −EEA citizens / EU residents only
- −US not supported
FEE BREAKDOWN
Detailed fee breakdown.
Top-up fee
Free
Transaction fee
0%
FX fee
0%
Issuance
$1.6
Monthly
$1
Cost / $100
$0.95
€1.60 issuance + €1 monthly maintenance (waived if active; charged if inactive 3+ consecutive months). 0.95% off-ramp fee per transaction. €40,000 monthly spend limit. Free + instant for Ledger users via Ledger Live. EEA citizens + EU residents only. Apple Pay & Google Pay.
COVERAGE
Where it works.
Supported coins
USDCUSDTBTCETH
Chains
EthereumPolygonArbitrum
Use cases
Online · IRL
Blocked countries
US
WALLETS
Apple PayYes
Google PayYes
ATMNo
REPUTATION
Trustpilot
—/5
0 reviews
Monevia score
92/100
Verified May 11, 2026
ALTERNATIVES