Need recommendations for crypto cards and friendly EMI's for individuals

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legrant

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May 28, 2025
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I know there's a bunch of threads but usually it's just about this or that company and people either praising or trashing.

I have used a bunch of them, but I was wondering if there's more that I should add to the list as generally it's not recommended to have a lot of funds inside some of these as you may get locked for random (or not) reasons. Note I'm talking about accounts for individuals not companies. If you've had good/bad experiences share that too so it helps others

  • Bankera & Spectrocoin
    • Easy off-ramp as they have both an exchange and bank
  • Zen
    • I think it's rather useful for low amounts
  • Bunq
    • Useful for larger amounts <100k >10k as long as you use known crypto exchanges to withdraw
  • Wirex
    • They've been blocking accounts and support is a*s
  • Nexo
  • iCard
  • Blackcatcard
 
My account with Bunq was closed for "unexpected usage"
I read a lot of good thing in this forum about Blackatcard, do you have more details?
 
Clearsky Network said:
Clearsky Network said:
Our clients have very bad experience with Blackcatcard
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Lot's of conflicting reviews about Blackcatcard, mostly negative though.
Zen and Nexo are good.
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Yeah Zen and Nexo seem good for rather low amounts, works really smooth
Also trastra works pretty good.
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Never heard or seen before I'll check it out. Looks like something like Spectrocoin (Lithuania, IBAN and card) so it could be good
Try Swissmoney (even though i heard its pretty expensive) and myguava .
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I've seen them on the forum but they look rather sketchy? Their website looks good but gives off some sort of being too fake feeling. Comments on their thread are mixed but I guess they're worth a try if their fees are low-medium.

Liam13 said:
Liam13 said:
My account with Bunq was closed for "unexpected usage"
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That's interesting how much did you move with them and where did they funds come from? Crypto?
I read a lot of good thing in this forum about Blackatcard, do you have more details?
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I have no details. I've read they're linked to Russia in some ways. Accounts being locked and money frozen. But others say it works perfectly.
 
Please add are you a EEA or nonEEA resident. In case you are EEA, the list is irrelevant for nonEEAs.
 
Liam13 said:
Liam13 said:
My account with Bunq was closed for "unexpected usage"
I read a lot of good thing in this forum about Blackatcard, do you have more details?
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The good thing about Bunq they will let you withdraw your balance if they decide to close your account with them. And normally they will do it without questions asked. Good luck getting your money from Blackcatcard lol They run some shady business imo.

CaymanCruiser said:
CaymanCruiser said:
Xapo Bank is decent I've heard.
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Still too few decent reviews on this one.
 
Marshal said:
Marshal said:
The good thing about Bunq they will let you withdraw your balance if they decide to close your account with them. And normally they will do it without questions asked. Good luck getting your money from Blackcatcard lol They run some shady business imo.
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Yeah so far everything I've read about Blackcatcard is to either not use or use with caution. So I wouldn't put big amounts over there.

Still too few decent reviews on this one.
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They charge 150€ a year and they've been around for a while. Haven't used them but at least their support replies really quick.
 
legrant said:
legrant said:
They charge 150€ a year and they've been around for a while. Haven't used them but at least their support replies really quick.
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That's a thing. No one uses them, at least not with big amounts. So despite them being around for a while no reviews to determine if they are useable for someone who wants to move sizeable amounts through them.
 

List update​

Reviewed:
  • Bankera & Spectrocoin
    • Easy off-ramp as they have both an exchange and bank
  • Zen
    • I think it's rather useful for low amounts
  • Bunq
    • Useful for larger amounts <100k >10k as long as you use known crypto exchanges to withdraw
  • iCard
    • Quick support
  • Wirex
    • They've been blocking accounts and support is a*s
  • Nexo
    • Haven't heard of any problems with Nexo
  • Blackcatcard
    • Good reviews involving substantial amounts, bad reviews by others
  • Dukascopy
  • Tap
  • Advcash

Not enough reviews or no reviews at all:
  • Xapo
    • 150€ per year fee
    • Barely any reviews
  • Trastra
  • Swissmoney
    • New, no personal account reviews yet

Do not use:
  • W1tty
    • They are apparently shutting down, cards dissappeared and no support
 
legrant said:
legrant said:
I have used a bunch of them, but I was wondering if there's more that I should add to the list as generally it's not recommended to have a lot of funds inside some of these as you may get locked for random (or not) reasons. Note I'm talking about accounts for individuals not companies. If you've had good/bad experiences share that too so it helps others
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and - yes, you really should disclose the color of your passport and your country of residence, because the experience will vary drastically based on these two factors.

JosephLL said:
JosephLL said:
Please add are you a EEA or nonEEA resident. In case you are EEA, the list is irrelevant for nonEEAs.
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cckuhqilfownnfctux said:
cckuhqilfownnfctux said:
steals money, support does not answer for weeks, do not recommend.
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I was wrong, they do not steal money, the refund I was waiting for and thought that was not processed automatically was actually processed and added to my balance.
I did not notice it because I was confused by the rather complex and unintuitive control panel: crypto transactions and card transactions are shown on two different pages, refunds are not reflected on the crypto transactions page and card deposits are not shown on the "card transactions" page until its tab is changed to "transactions" from the default "authorizations".
so coincardi has no problems with the money part, however their support could have been better:

fdsf.webp



now I could partially recommend them 😀
 
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