Austria · Euro

The best crypto cards in Austria

Every card we track except Ready can be ordered in Austria, including Vienna-based Bitpanda, so cashback decides the ranking. Austria taxes crypto as capital income at a flat 27.5%, and paying with crypto counts as a sale.

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Ranked for Austria

What you’d keep in Austria

Pre-set for Austria. Change the spend and the ranking updates.

In non-euro countries this includes local spending — lei, forint, złoty, krone, francs or pounds.

Only affects Krak, whose cashback depends on your average balance.

1
ether.fi CashBest for youReferral link
€351 cashback · −€9 fees · Free Core tier: 3% on the first $2,000 a month, but euro purchases only on the first $800. Higher tiers raise both caps.
+€342per year
2
OKX CardReferral link
€360 cashback · −€18 fees · 2% in USDG, capped at €50 a month. Up to 0.1% conversion on euro purchases.
+€342per year
3
BleapReferral link
€180 cashback · €0 fees · 1% base on up to €3,000 a month. The 3% and 20% category bonuses are not counted.
+€180per year
4
Krak CardReferral link
€180 cashback · €0 fees · Rate set by your balance: 0% under €200, 1% from €1,000, 1.5% from €10,000, 2% from €50,000.
+€180per year
5
Bybit Card EUReferral link
€180 cashback · −€9 fees · Flat 1% for non-VIP users, paying from euros held on Bybit. Paying from crypto or stablecoins adds 0.9%.
+€171per year
6
MetaMask CardReferral link
€180 cashback · −€18 fees · Free virtual card. 1% on merchants abroad; 0.5% on local spending outside the euro area. The 3% Metal tier is paused.
+€162per year
7
Bitpanda Card
€0 cashback · €0 fees · No cashback when paying from euros or stablecoins; the 1% needs crypto, sold at an unpublished spread.
€0per year
8
Wirex OneReferral link
€0 cashback · €0 fees · Base earns 0.5%, but rewards can only be redeemed by holding WPAY: $7 a month per $100 of it.
€0per year
9
Crypto.com Visa
€0 cashback · −€4 fees · Free Basic card: no rewards, 0.2% on non-euro spending in the EU and UK. Paid plans from €3.99 a month are not counted.
−€4per year
10
Nexo CardReferral link
€0 cashback · −€6 fees · Cashback is paid only on borrowed spending, which costs 17.9% a year on the base tier. Its value is the credit line.
−€6per year
11
ZEN.COM CardReferral link
€0 cashback · −€99 fees · No everyday cashback. 0.5% FX plus 0.5% to fund from crypto on the Free plan.
−€99per year
12
RedotPayCheck availability
€0 cashback · −€211 fees · No cashback. 1% conversion on every purchase plus 1.2% FX.
−€211per year

Net value per year, in euros. Assumes you pay the cheapest way each card allows, from euros or stablecoins — paying from BTC or ETH adds conversion spreads on most cards. Category bonuses and promotions aren’t counted. ether.fi’s dollar caps use its own euro and dollar ladders. USD fees converted at about €0.90. An estimate, not financial advice — confirm terms with the issuer. How the calculator works.

Availability in Austria

  1. ether.fi Cash
    3% back up to a monthly cap while your ETH keeps earning, paid in the ETHFI token. Non-custodial, no annual fee.
    +€342
  2. OKX Card
    A MiCA-licensed exchange card paying 2% in USDG with no FX fee, capped at €50 a month unless you trade enough for a VIP tier.
    +€342
  3. Bleap
    MiCA-licensed, self-custodial Mastercard with 0% FX and cashback in USDC. The natural Gnosis Pay replacement.
    +€180
  4. Krak Card
    Kraken’s card: an Irish MiCA licence, no fees on fiat spending, uncapped cashback tied to your balance.
    +€180
  5. Bybit Card EU
    An exchange card paying a flat 1% for most users, best funded in euros: paying from crypto, stablecoins included, adds 0.9%.
    +€171
  6. MetaMask Card
    Spend straight from the wallet you already use. 1% back in the mUSD stablecoin on the free card.
    +€162
  7. Bitpanda Card
    A free Visa from a Maltese e-money issuer: 1% back in whatever crypto you spent, 0% FX, but only for euro-area residents.
    €0
  8. Wirex One
    Rebuilt in 2026 as a self-custodial stablecoin app with no FX markup. Every reward, even the free 0.5%, needs WPAY to redeem.
    €0
  9. Crypto.com Visa
    Still the perks king, but the free card earns nothing: rewards start with a €3.99 monthly plan and are capped.
    −€4
  10. Nexo Card
    Borrow against your crypto instead of selling it. The value is the credit line, not the cashback.
    −€6
  11. ZEN.COM Card
    A Lithuanian e-money account with a Mastercard: 0.5% FX on the free plan, cashback only at partner shops, and crypto as an on-ramp rather than a balance.
    −€99
  12. RedotPay Unconfirmed
    Huge limits and global reach, but no base cashback and about 2.2% in fees on foreign-currency spending.
    −€211

Net value per year at €1,500/month with 10% foreign-currency spending. Availability verified October 22, 2026; unconfirmed means the issuer doesn’t clearly list Austria — check before applying.

Paying in euros: what decides the ranking

Austria uses the euro, so FX fees only matter abroad, and the ranking above is decided by cashback. Every card we track can be ordered by residents except Ready, which is not issuing cards anywhere, and RedotPay, whose support is unconfirmed. ether.fi Cash and OKX come out level at €1,500 a month. ether.fi pays 3%, but on euro purchases its free tier caps that at roughly the first €700 a month, while OKX pays a flat 2% capped at €50 a month, so ether.fi wins below €1,500 and OKX above. Bleap is the strongest self-custody card at 1%. Bitpanda is the home player, and Bybit’s EU exchange is licensed here under MiCA, though its card is issued by a French e-money institution.

Tax when you spend crypto in Austria

Since March 1, 2022, gains on crypto are capital income taxed at the special rate of 27.5%. The income tax act counts exchanging crypto for other goods and services, including legal tender, as a realisation, and the Finance Ministry gives buying something and paying in crypto as an example. Every card payment funded from crypto is therefore a taxable sale. Swapping one cryptocurrency for another is not a realisation. Coins bought before March 1, 2021 are old holdings that stay under the previous rules, under which gains were taxed only within a one-year speculation period.

Staking rewards, airdrops and similar receipts are generally not taxed when you receive them; they are booked at an acquisition cost of zero and taxed when you sell or spend them. Since 2024, Austrian providers withhold the tax for you; foreign ones, which includes most cards here, leave you to declare it. The ministry has published nothing on card cashback.

Licensing and funding a card from an Austrian bank

The FMA supervises crypto-asset service providers under MiCA, and providers registered under the old regime could continue only until the end of 2025 at the latest. Austrian banks have had to offer SEPA instant payments, with a check that the payee’s name matches the IBAN, since October 2025, so euro top-ups arrive in seconds.

This is general information, not tax advice. Rules change and your situation may differ; check with a local adviser before relying on it.

Sources

Tax and payment facts above were read on October 7, 2026 from:

Other countries

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Questions

Crypto cards in Austria: questions

What is the best crypto card in Austria?
At €1,500 a month of spending, ether.fi Cash comes out ahead in Austria at about €342 a year after fees. The best card for you depends on your spending — use the calculator on this page.
Which crypto cards are available in Austria?
Confirmed: ether.fi Cash, OKX Card, Bleap, Krak Card, Bybit Card EU, MetaMask Card, Bitpanda Card, Wirex One, Crypto.com Visa, Nexo Card, ZEN.COM Card. Unconfirmed: RedotPay.
Which crypto cards have no FX fees in Austria?
Bleap, Krak Card add no FX markup of their own. The card network’s exchange rate still applies.
Do I pay tax when I spend crypto with a card in Austria?
Yes. Exchanging crypto for goods or services is a realisation, and gains are taxed as capital income at 27.5%. Crypto-to-crypto swaps are not taxed, and coins bought before March 1, 2021 stay under the old rules. This is general information, not tax advice.
Do foreign crypto card providers withhold Austrian tax?
No. Since 2024 only Austrian providers withhold the 27.5% tax; with a foreign provider, which covers most cards on this site, you declare the gains yourself.