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Nº 2 Best self-custody debit

Bleap review

The card Gnosis Pay users should look at first: self-custodial, freshly MiCA-licensed, zero FX, and cashback in USDC instead of a house token.

At €1,500/month with 10% foreign-currency spending, Bleap is worth +€180 a year after fees — Nº 3 of 11 in our calculator. Try your own numbers.
Cashback1% · 3% · 20% categories
Paid inUSDC
Annual fee$0
FX / conv.0% / 0%

Bleap is a Mastercard attached to a self-custodial smart-contract wallet — no seed phrase, stablecoins under your control until you tap. Founded in 2023 by ex-Revolut staff, it received its MiCA licence from the central bank of Latvia in June 2026, which puts it on a public regulator register — something several bigger names on this list can't claim.

Rewards are category-based since a February 2026 restructure: 1% on everything, 3% on rides and food delivery (capped at €500 of monthly spend), and 20% on a named list of streaming, AI and gaming subscriptions with per-merchant caps. There's no FX markup and no conversion fee on stablecoin spending, plus €400 of free ATM withdrawals a month.

What works

  • USDC cashback — no token to hold or dump
  • 0% FX and 0% conversion on stablecoin spend
  • MiCA-licensed (Latvia, June 2026), self-custodial wallet
  • Free card, €400/month fee-free ATM

What doesn't

  • Base rate is 1% — the 20% only applies to capped subscription merchants
  • Young company with a thin independent track record
  • Savings vaults sit outside MiCA protection
  • EEA and Switzerland only
Watch outRead "up to 20%" as a subscription perk, not a rate: realistic everyday earnings are 1%, a bit more if you order food or ride-share a lot. The 2% restaurant and supermarket promo ended May 31, 2026.

Who it's for: Europeans who want self-custody, zero fees and stable rewards in one simple app — the cleanest like-for-like replacement for Gnosis Pay.

Sources

Figures on this page come from the issuer’s own pages, checked on September 25, 2026:

Get the Bleap cardReferral link — we earn a commission at no extra cost to you. New Bleap users get a cash reward set by the current campaign, shown in the app, after verification, a bank top-up and three card payments of €5 or more. (terms)

Questions

Bleap questions

Which countries can get the Bleap?
Bleap: EEA · Switzerland. Of the countries we track, it is not available in United Kingdom. Check the issuer’s current country list before applying.
Does the Bleap charge foreign exchange fees?
Bleap charges 0% FX and 0% conversion on stablecoin spending, so paying in lei, forint or any other currency costs the network rate only.
Is the Bleap custodial or self-custodial?
Bleap is self-custodial: your funds stay in a wallet you control until the moment you pay.
How much cashback does the Bleap really pay?
Bleap pays 1% · 3% · 20% categories, credited in USDC. For someone spending €1,500 a month with 10% in foreign currencies, our calculator puts its net value at €180 a year after fees, ranking Nº 3 of 11.

Head to head

Bleap compared

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