Estonia · Euro

The best crypto cards in Estonia

Estonia is excluded from ether.fi Cash. Every other card we track is available, so the choice comes down to custody: Bleap and MetaMask keep funds in your own wallet, Krak and Bybit on an exchange.

Verified By

Ranked for Estonia

What you’d keep in Estonia

Pre-set for Estonia. 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
OKX CardBest for youReferral link
€360 cashback · −€18 fees · 2% in USDG, capped at €50 a month. Up to 0.1% conversion on euro purchases.
+€342per year
2
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
3
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
4
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
5
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
6
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€0 cashback · €0 fees · No cashback when paying from euros or stablecoins; the 1% needs crypto, sold at an unpublished spread.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
7
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
8
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
9
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
10
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
11
RedotPay
€0 cashback · −€211 fees · No cashback. 1% conversion on every purchase plus 1.2% FX.
−€211per year
—
ether.fi Cash
Not available in Estonia.
—

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 Estonia

  1. 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
  2. Bleap
    MiCA-licensed, self-custodial Mastercard with 0% FX and cashback in USDC. The natural Gnosis Pay replacement.
    +€180
  3. Krak Card
    Kraken’s card: an Irish MiCA licence, no fees on fiat spending, uncapped cashback tied to your balance.
    +€180
  4. 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
  5. MetaMask Card
    Spend straight from the wallet you already use. 1% back in the mUSD stablecoin on the free card.
    +€162
  6. 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
  7. 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
  8. 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
  9. Nexo Card
    Borrow against your crypto instead of selling it. The value is the credit line, not the cashback.
    −€6
  10. 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
  11. RedotPay
    Huge limits and global reach, but no base cashback and about 2.2% in fees on foreign-currency spending.
    −€211
  12. ether.fi Cash Not available
    Not offered to residents of Estonia.
    —

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 Estonia — check before applying.

Paying in euros: FX only matters abroad

Estonia uses the euro, so FX fees are a travel question. Every card we track is available except ether.fi Cash, which excludes Estonia, so the choice comes down to custody: Bleap and MetaMask keep funds in your own wallet, Krak and Bybit on an exchange. Bleap leads on net value because MetaMask’s free tier charges 1% on merchants outside Estonia.

Tax when you spend crypto in Estonia

The Estonian Tax and Customs Board lists paying for goods or services with crypto alongside converting to fiat as income that must be declared, so a card payment funded from crypto is a taxable disposal of the crypto used. The income tax rate is 22% for 2025 and 2026; the planned increase to 24% was cancelled in December 2025. There is no holding-period exemption and no crypto-specific threshold, only the general basic exemption of €700 a month. One rule matters for card users: losses can only be set against gains if the crypto was bought through a provider with MiCA authorisation, and from 2025 such crypto can be held inside the investment account system that defers tax until you withdraw. Crypto bought through unlicensed platforms is taxed on every gain with no relief for losses. The tax board has published nothing on card cashback.

Funding a card from an Estonian bank

Estonia runs on SEPA: ordinary and instant euro transfers, the latter under €15,000 in about ten seconds around the clock, with no separate domestic scheme. From July 1, 2026 crypto services in Estonia may only be provided under a MiCA authorisation from Finantsinspektsioon or a passported EEA licence, so check the provider’s licence before you send funds.

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 September 26, 2026 from:

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Questions

Crypto cards in Estonia: questions

What is the best crypto card in Estonia?
At €1,500 a month of spending, OKX Card comes out ahead in Estonia 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 Estonia?
Confirmed: OKX Card, Bleap, Krak Card, Bybit Card EU, MetaMask Card, Bitpanda Card, Wirex One, Crypto.com Visa, Nexo Card, ZEN.COM Card, RedotPay. Not available: ether.fi Cash.
Which crypto cards have no FX fees in Estonia?
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 Estonia?
Yes. The tax board treats payment for goods or services with crypto as income to declare, taxed at 22% in 2026. Losses can only be deducted if the crypto came through a MiCA-authorised provider. This is general information, not tax advice.
Which crypto cards are licensed for Estonian users?
From July 2026 crypto services need a MiCA authorisation to serve Estonia. Bleap (Latvia), Krak (Ireland), Bybit EU (Austria) and Crypto.com (Malta) hold MiCA licences; each review lists the issuer’s licence page.