Spain · Euro
The best crypto cards in Spain
Every card we track except Ready can be ordered in Spain, and with the euro as local currency the ranking turns on cashback. Spain taxes crypto-to-crypto swaps as well as spending, at savings-income rates from 19% to 30%.
Ranked for Spain
What you’d keep in Spain
Pre-set for Spain. 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.
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 Spain
- +€3423% back up to a monthly cap while your ETH keeps earning, paid in the ETHFI token. Non-custodial, no annual fee.
- +€342A 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.
- +€180MiCA-licensed, self-custodial Mastercard with 0% FX and cashback in USDC. The natural Gnosis Pay replacement.
- +€180Kraken’s card: an Irish MiCA licence, no fees on fiat spending, uncapped cashback tied to your balance.
- +€171An exchange card paying a flat 1% for most users, best funded in euros: paying from crypto, stablecoins included, adds 0.9%.
- +€162Spend straight from the wallet you already use. 1% back in the mUSD stablecoin on the free card.
- €0A free Visa from a Maltese e-money issuer: 1% back in whatever crypto you spent, 0% FX, but only for euro-area residents.
- €0Rebuilt in 2026 as a self-custodial stablecoin app with no FX markup. Every reward, even the free 0.5%, needs WPAY to redeem.
- −€4Still the perks king, but the free card earns nothing: rewards start with a €3.99 monthly plan and are capped.
- −€6Borrow against your crypto instead of selling it. The value is the credit line, not the cashback.
- −€99A 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.
- −€211RedotPay UnconfirmedHuge limits and global reach, but no base cashback and about 2.2% in fees on foreign-currency spending.
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 Spain — check before applying.
Paying in euros: what decides the ranking
Spain 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%, on up to €3,000 of spending a month.
Tax when you spend crypto in Spain
Spanish income tax law treats any change in the composition of your assets as a capital gain or loss, and values an exchange at the higher of the market values involved. The tax agency’s manual applies this to crypto: selling for euros and swapping one crypto-asset for another both produce gains that go into the savings tax base. The agency does not spell out card spending specifically, but the same rules make converting crypto at the till a disposal. Unlike France or Germany, there is no small-gains exemption and no holding period.
Savings income is taxed on a progressive scale of 19% up to €6,000, 21% to €50,000, 23% to €200,000, 27% to €300,000 and 30% above. If you hold more than €50,000 of crypto with providers abroad on December 31, you must also file the Modelo 721 information return; most cards on this site are run by companies outside Spain. The tax agency has published nothing on card cashback.
Licensing and funding a card from a Spanish bank
The CNMV is Spain’s competent authority under MiCA, and it confirms the transitional period ended on July 1, 2026, so providers now need a MiCA licence from Spain or another EEA state. Funding is straightforward: Spanish banks have had to offer instant euro transfers since October 9, 2025, and Bizum runs on the same SEPA instant rails using your phone number.
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:
- Personal Income Tax Act, Law 35/2006, articles 33, 37, 66 and 76 (BOE) boe.es
- Tax treatment of buying and selling virtual currencies, 2025 income tax manual (Agencia Tributaria) sede.agenciatributaria.gob.es
- Modelo 721: when no return is required (Agencia Tributaria) sede.agenciatributaria.gob.es
- MiCA regulation of crypto-assets (CNMV) cnmv.es
- Instant payments from October 9, 2025 (Banco de España) clientebancario.bde.es
- Bizum and instant transfers in Spain (Banco de España) bde.es
Questions