The best crypto cards in Germany

Availability in Germany

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 Germany — check before applying.

Paying in euros: what decides the ranking

Germany uses the euro, so FX fees only matter when you travel or buy from shops pricing in other currencies, and the ranking above is decided by cashback. Every card we track can be ordered by German residents except Ready, which is not issuing cards anywhere, and RedotPay, whose support for Germany 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 debit card at 1%, on up to €3,000 of spending a month. Bitpanda, based next door in Vienna, is available too.

One German detail favours a crypto card more than elsewhere. Most bank cards here are girocards, and the Bundesbank notes that a girocard without a Visa or Mastercard co-badge works almost only in physical shops. Every card on this site runs on Visa or Mastercard, so it works online and abroad as well.

Tax when you spend crypto in Germany

The Federal Ministry of Finance set out its position in a letter of March 6, 2025. Exchanging crypto for euros, goods or services is a disposal, and when crypto pays for something the sale price is the euro amount agreed. A card that converts crypto at the till is therefore selling it. What matters is how long you held it. Under section 23 of the income tax act, a disposal is only taxable if you held the coins for one year or less; after more than a year, the gain is tax-free. The ministry confirms that the old ten-year extension for coins used in staking or lending does not apply, and that the one-year clock restarts with every swap, so trading into a stablecoin to fund a card starts a new year.

Short-term gains are added to your other income and taxed at your personal income tax rate, plus the solidarity surcharge where it applies, not at the 25% flat rate for capital income. Small amounts are protected by an exemption limit: if your total gains from private disposals in a calendar year are under €1,000, none of it is taxed (the limit was €600 until 2023). It is an all-or-nothing limit: at €1,000 or more, the whole gain is taxable. Where you cannot identify which coins you spent, the ministry allows first in, first out, wallet by wallet.

The ministry has published nothing on card cashback. Its letter treats crypto received in return for a service, such as an airdrop for handing over data, as other income under section 22, and explicitly contrasts that with classic discount schemes; other income of that kind is tax-free under €256 a year. One reading is that cashback under that €256 limit is untaxed, but the ministry has not said so; keep a record of what you receive.

Licensing and funding a card from a German bank

Crypto firms serving German customers need authorisation from BaFin under MiCA. Germany cut the transitional period short, to December 31, 2025, so since January 2026 only authorised providers, or firms passporting a licence from another EEA state, may serve you. Funding is easy: since October 9, 2025 every euro-area bank has had to let you send SEPA instant transfers, at no higher price than a normal transfer, so euro top-ups land in seconds. Identity checks usually run by video identification under BaFin’s rules.

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

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