Blackcatcard
by Papaya Ltd.
Blackcatcard is a prepaid Mastercard issued by Papaya Ltd (Malta). It combines a free EUR IBAN with integrated crypto custodial services. Users can choose between earning 4% annual interest on their balance or receiving cashback on specific categories. The card supports direct top-ups via Binance Pay and crypto transfers.
Unique Features
- Mutually exclusive bonus system
- Binance Pay integration
- Cashback Wheel promos
Pros
- Free account and first physical card
- High annual interest on balance (4% p.a.)
- Choice of high cashback categories (e.g. 5% Google Play)
- Crypto-friendly (integrated wallet & Binance Pay)
- No monthly fee for standard usage
Cons
- Bonus programs are mutually exclusive (must pick one)
- High FX fee (3%) for non-EUR transactions
- Dormancy fee (€15/month) is high
- No Apple Pay or Google Pay support
- Limited supported cryptocurrencies (BTC, ETH, USDT)
Integrations & Tech
Available In (30)
Fee Structure
ATM Capabilities
Detailed Fee Structure
3% FX fee for non-EUR transactions
EU ATMs: free up to €200/mo, then 1%. Non-EU: 1% (min €1.50) + 3% FX
€15/month after 6 months inactivity
Detailed Limits
Fee Details
First card issuance and monthly fee are free. Additional cards cost €7 to issue + €2/month maintenance. Dormancy fee of €15/month applies after 6 months inactivity. Non-EUR transactions incur a 3% FX fee. Crypto top-ups via Binance Pay may incur fees (company takes 2% on some crypto top-ups per reviews).
Limits & Conditions
ATM withdrawals in EU free up to €200/month, then 1%. Non-EU ATMs charged 1% (min €1.50) + 3% FX fee. Crypto buy/sell limits approx €2,000/day and €10,000/month.
Crypto Capabilities
Security & Custody
Supported Assets
