Ireland · Euro

The best crypto cards in Ireland

Every card we track is available in Ireland, including Bybit’s EU card since October 2026, though ether.fi ships only a virtual card here. ether.fi Cash, Bleap, OKX and Krak lead, and with the euro as local currency, FX fees mainly matter for UK and travel spending.

Verified By

Ranked for Ireland

What you’d keep in Ireland

Pre-set for Ireland. 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€0 cashback · €0 fees · No cashback when paying from euros or stablecoins; the 1% needs crypto, sold at an unpublished spread.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
RedotPay
€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 Ireland

  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
    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 Ireland — check before applying.

Paying in euros: FX only matters abroad

Ireland is in the euro, so the FX column matters for UK trips and sterling web shops rather than daily life. ether.fi Cash, Bleap and Krak are all available; ether.fi charges 0.5% on sterling on its free tier while Bleap and Krak add nothing. Bybit added Ireland to its EU card in October 2026. Krak has a home advantage here: its MiCA licence is Irish.

Tax when you spend crypto in Ireland

Revenue’s manual on crypto assets uses a card-style example: a person who uses crypto to buy goods in a local café has made a disposal for capital gains tax purposes. So each crypto-funded card payment is a disposal, taxed at the standard 33% CGT rate on the gain, with the personal exemption of €1,270 of gains a year covering small spenders. If your activity is frequent and organised enough to be trading, income tax applies instead. Revenue has not published guidance on card cashback in crypto or in euros; treat crypto received as an asset acquired at its value on the day, so a later disposal is within CGT.

Funding a card from an Irish bank

Since October 9, 2025 Irish banks must let you send SEPA instant transfers, arriving within ten seconds around the clock, so euro top-ups to any card here are immediate. Identity checks are standard EU KYC with a passport or driving licence and proof of address.

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 Ireland: questions

What is the best crypto card in Ireland?
At €1,500 a month of spending, ether.fi Cash comes out ahead in Ireland 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 Ireland?
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, RedotPay.
Which crypto cards have no FX fees in Ireland?
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 Ireland?
Yes. Revenue treats using crypto to buy goods as a disposal for capital gains tax, taxed at 33% on the gain above the €1,270 annual exemption. This is general information, not tax advice.
Is Bybit Card available in Ireland?
Yes, since October 2026. Bybit’s card FAQ now lists every EEA country except Malta. It charges 0.5% FX on non-euro spending; Krak, licensed in Ireland, charges none.