OpenCryptoCards
01
05
debit Card

Holyheld

by Unlimit EU Ltd

Holyheld is a Web3 debit card offering a bridge between non-custodial wallets and traditional fiat spending. Issued by Unlimit, it supports multiple EVM chains and offers up to 1% cashback in USDC.

Holyheld Logo
HOLYHELD
Unlimit EU Ltd
Cashback
Up to 1%
Annual Fee
Free
FX Fee
2.5%
Staking
None
1%
Max Cashback
Paid in USDC
$0
Annual Fee
0
Premium Perks
Available Regions

Unique Features

  • Gasless on-chain approvals
  • On-chain transactions are protected up to $50,000
  • Referral rewards system
  • IBAN

Pros

  • Connects to non-custodial wallets
  • Gasless top-up transactions
  • Personal IBAN included
  • No monthly maintenance fees

Cons

  • High one-time issuance fees (€29-€199)
  • Domestic transaction fees apply after 100 transactions
  • FX fees on international spend (2.5% + €1)
  • Cashback locked for 30 days

Integrations & Tech

Apple Pay
Google Pay
IBAN Support
iOS App
Android App
Debit Mode
Credit Mode
AvailableExcludedUnknown

Available In (30)

AustriaBelgiumBulgariaCroatiaCyprusCzech Republic
Virtual Card
Available
Instant digital issuance.
Physical Card
Available
MaterialPlastic
Issuance$29
ShippingFree
Replacement$29

Tier Comparison

Classic

0.5% Cashback
Stake Required
Free
Issuance Fee
$29
Replacement Fee
$29
FX Fee
2.5% + 1 EUR
ATM Fee
1 EUR (Dom) / 2.5% + 2 EUR (Intl)

Fee Structure

Annual FeeFree
Monthly FeeNone
FX Fee2.5%
Issuance Fee$29
Shipping FeeFree
Replacement Fee$29
Inactivity Fee$1
Crypto ConversionFree
Credit CheckNot Required
Top-Up FeeFree

ATM Capabilities

ATM Fee (Domestic)N/A
ATM Fee (Intl)N/A
Fee After Limit1 EUR (Domestic) | 2.5% + 2 EUR (Intl)%

Detailed Fee Structure

FX Fee2.5% + €1.00 (International: 2.5% + €1. Domestic: First 100/mo free, then €0.50)
Component 12.5%
Component 2€1.00

International: 2.5% + €1. Domestic: First 100/mo free, then €0.50

Inactivity Fee€1.00 (€1/month after 4 months (card) or 5 months (IBAN) dormancy)

€1/month after 4 months (card) or 5 months (IBAN) dormancy

Detailed Limits

Spending Limits€5,000/transaction, €10,000/day, €20,000/month
Per Transaction
5,000 EUR
Daily
10,000 EUR
Monthly
20,000 EUR

Fee Details

Issuance: Classic €29, Limited Virtual €99, Metal €199. Domestic payments: First 100/month free, then €0.50. International payments: 2.5% + €1. Inactivity fee of €1/month applies after 4 months (card) or 5 months (IBAN) of dormancy.

Limits & Conditions

Specified limits are for Card Not Present (CNP) transactions: €5,000/transaction, €10,000/day, €20,000/month. POS limits likely align but are not explicitly separated in public snippets.

Crypto Capabilities

Security & Custody

Custody ModelHybrid
Wallet TypeOther
InfrastructureUnlimit

Supported Assets

Chains
Ethereum
Ethereum
Polygon
Polygon
Arbitrum
Arbitrum
Optimism
Optimism
Base
Base
Avalanche
Avalanche
zkSync
zkSync
Gnosis
Gnosis
Mode
Mode
Tokens
Yield on Collateral
On-chain History
Governance Rights
Credit Scoring

Lifestyle Benefits

No specific perks listed for this card.
Rewards Program Details0.5% cashback for Classic & Limited Edition, 1% for Metal. Cashback is calculated on the rounded-down amount of the purchase. Unclaimed cashback does not expire as long as the account is active.
Payout Frequency
Updated daily; claimable after 30 days.
Exclusions
Fees, incoming transfers, SEPA transfers, balance transfers, cash advances, refunds, transactions outside Holyheld ecosystem (peer-to-peer transfers, wallet funding, crypto buying).

Frequently Asked Questions

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