Crypto cards in Estonia

Which crypto and stablecoin cards accept residents of Estonia, which ship a physical card here, and what each one costs per year in EUR.

36 cards available in Estonia · 108 not confirmed

Data updated 28 Oct 2026 · Costs converted with exchange rates. Source: ECB euro reference rates and Rates By Exchange Rate API (open.er-api.com), 30 Sept 2026.

open to residents: 36
verified to ship a physical card: 3
not available here: 9
local currency: EUR

Cards you can get in Estonia

Ranked the way the Finder ranks by default: EUR 500 a month, 30% in a foreign currency, staking rewards left out.

Complete estimates come first, then cards that leave out a fee the issuer does not list. Cards without a cost estimate come last, ordered by how many of their fees are verified.

Use my own spending

Rank 1
1
Trade Republic Card
AvailableAvailable in Estonia
Issued via Trade Republic Bank
- Custodial
- Visa
- Virtual + physical
- Apple Pay
Biggest estimated net gain here at this spending level.
Partly verified 22 Oct 2026aging
Net gain per year+EUR 60You earn more than you paygain per yearFees EUR 0 · Rewards EUR 60
Apply
Rank 2
2
OKX Card
AvailableAvailable in Estonia
- Self-custody
- Virtual only
- Apple Pay
- Google Pay
Rewards that need staking, a paid plan, a minimum balance or a single asset or merchant group are left out of this estimate.
Partly verified 15 Oct 2026aging
Net cost per yearEUR 6You pay per yearnet per yearFees EUR 6 · Rewards EUR 0
Rank 3
3
SwissBorg Card
AvailableAvailable in Estonia
Issued via Monavate
- Custodial
- Mastercard
- Virtual only
- Apple Pay
Partly verified 15 Oct 2026aging
Net cost per yearEUR 59You pay per yearnet per yearFees EUR 59 · Rewards unknown
Rank 4
4
Bybit EU Card
AvailableAvailable in Estonia
- Custodial
- Mastercard
- Virtual + physical
- Apple Pay
Partly verified 07 Oct 2026aging
Net cost per yearEUR 63You pay per yearnet per yearFees EUR 63 · Rewards unknown
Rank 5
5
THORWallet Card
AvailableAvailable in Estonia
Issued via Unblock
- Self-custody
- Mastercard
- Virtual + physical
Partly verified 15 Oct 2026aging
Net cost per yearEUR 73You pay per yearnet per yearFees EUR 103 · Rewards EUR 30
Apply
Rank 6
6
Bit2Me Card
AvailableAvailable in Estonia
Issued via Pecunia Cards
- Custodial
- Mastercard
- Virtual + physical
- Apple Pay
Partly verified 15 Oct 2026aging
Net cost per yearEUR 93You pay per yearnet per yearFees EUR 93 · Rewards EUR 0
Rank 7
7
Bringin Card
AvailableAvailable in Estonia
Issued via Wallester
- Hybrid custody
- Visa
- Virtual + physical
- Google Pay
Partly verified 15 Oct 2026aging
Net cost per yearEUR 102You pay per yearnet per yearFees EUR 102 · Rewards unknown
Rank 8
8
Based Card
AvailableAvailable in Estonia
Issued via Based
- Visa
- Virtual + physical
- Apple Pay
- Google Pay
Rewards that need staking, a paid plan, a minimum balance or a single asset or merchant group are left out of this estimate.
Partly verified 15 Oct 2026aging
Net cost per yearEUR 105You pay per yearnet per yearFees EUR 105 · Rewards EUR 0
Rank 9
9
Solid Card
AvailableAvailable in Estonia
Issued via Solid
- Self-custody
- Visa
- Virtual only
- Apple Pay
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
Partly verified 15 Oct 2026aging
Net gain per yearup to+EUR 144Rewards come to more than the fees countedgain per yearExcludes conversion feeFees EUR 36 · Rewards EUR 180
Rank 10
10
Bitget Wallet Card
AvailableAvailable in Estonia
Issued via Bitget Wallet
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
Partly verified 28 Oct 2026aging
Net gain per yearup to+EUR 120Rewards come to more than the fees countedgain per yearExcludes issuance fee, FX fee and conversion feeFees EUR 0 · Rewards EUR 120
Rank 11
11
Bitpanda Card
AvailableAvailable in Estonia
Issued via Transact Payments Malta
- Custodial
- Visa
- Virtual + physical
- Apple Pay
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
Partly verified 22 Oct 2026aging
Net gain per yearup to+EUR 60Rewards come to more than the fees countedgain per yearExcludes conversion feeFees EUR 0 · Rewards EUR 60
Apply
Rank 12
12
COCA Card
AvailableAvailable in Estonia
Issued via COCA
- Self-custody
- Visa
- Virtual + physical
- Apple Pay
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
Partly verified 15 Oct 2026aging
Net gain per yearup to+EUR 60Rewards come to more than the fees countedgain per yearExcludes conversion feeFees EUR 0 · Rewards EUR 60
Rank 13
13
BingX Card
AvailableAvailable in Estonia
Issued via Wirex
- Custodial
- Visa
- Virtual + physical
- Apple Pay
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
Partly verified 15 Oct 2026aging
Net gain per yearup to+EUR 30Rewards come to more than the fees countedgain per yearExcludes FX feeFees EUR 90 · Rewards EUR 120
Apply
Rank 14
14
Wirex Card
AvailableAvailable in Estonia
Issued via Wirex
- Self-custody
- Virtual + physical
- Apple Pay
- Google Pay
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
Partly verified 15 Oct 2026aging
Net gain per yearup to+EUR 30Rewards come to more than the fees countedgain per yearExcludes issuance feeFees EUR 0 · Rewards EUR 30
Apply
Rank 15
15
Phemex Card
AvailableAvailable in Estonia
Issued via Immersve
- Custodial
- Mastercard
- Virtual only
- Apple Pay
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
Partly verified 15 Oct 2026aging
Net gain per yearup to+EUR 15Rewards come to more than the fees countedgain per yearExcludes FX fee and conversion feeFees EUR 0 · Rewards EUR 15
Apply
Rank 16
16
Pulsar Money Card
AvailableAvailable in Estonia
Issued via Pulsar Money
- Apple Pay
- Google Pay
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
Partly verified 15 Oct 2026aging
Net gain per yearup to+EUR 12Rewards come to more than the fees countedgain per yearExcludes conversion feeFees EUR 18 · Rewards EUR 30
Rank 17
17
Tap Card
AvailableAvailable in Estonia
Issued via Transact Payments
- Custodial
- Mastercard
- Virtual + physical
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
Partly verified 15 Oct 2026aging
Net gain per yearup to+EUR 3Rewards come to more than the fees countedgain per yearExcludes conversion feeFees EUR 27 · Rewards EUR 30
Apply
Rank 18
18
SafePal Card
AvailableAvailable in Estonia
Issued via SafePal and Fiat24
- Mastercard
- Virtual only
- Apple Pay
- Google Pay
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
Partly verified 28 Oct 2026aging
Net cost per yearat leastEUR 18You pay per yearnet per yearExcludes 4 itemsFees EUR 18 · Rewards unknown
Rank 19
19
BIX Card
AvailableAvailable in Estonia
Issued via BIX
- Hybrid custody
- Visa
- Virtual + physical
- Ships here
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
Partly verified 15 Oct 2026aging
Net cost per yearat leastEUR 21You pay per yearnet per yearExcludes annual fee, monthly fee and conversion feeFees EUR 21 · Rewards unknown
Rank 20
20
Nexo Card
AvailableAvailable in Estonia
Issued via DiPocket
- Custodial
- Mastercard
- Virtual + physical
- Apple Pay
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
Partly verified 15 Oct 2026aging
Net cost per yearat leastEUR 36You pay per yearnet per yearExcludes conversion feeFees EUR 36 · Rewards EUR 0
Rank 21
21
CL Card
AvailableAvailable in Estonia
Issued via Baanx
- Hybrid custody
- Mastercard
- Virtual + physical
- Apple Pay
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
Partly verified 15 Oct 2026aging
Net cost per yearat leastEUR 45You pay per yearnet per yearExcludes issuance fee and FX feeFees EUR 105 · Rewards EUR 60
Apply
Rank 22
22
KuCard
AvailableAvailable in Estonia
Issued via Wallester
- Custodial
- Visa
- Virtual + physical
- Apple Pay
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
Partly verified 15 Oct 2026aging
Net cost per yearat leastEUR 49You pay per yearnet per yearExcludes conversion feeFees EUR 49 · Rewards unknown
Rank 23
23
Bitrefill Card
AvailableAvailable in Estonia
Issued via Wallester
- Custodial
- Visa
- Virtual + physical
- Ships here
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
Checked 15 Oct 2026aging
Net cost per yearat leastEUR 59You pay per yearnet per yearExcludes conversion feeFees EUR 119 · Rewards EUR 60
Apply
Rank 24
24
Bitwala Card
AvailableAvailable in Estonia
Issued via Wallester
- Visa
- Virtual + physical
- Google Pay
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
Partly verified 15 Oct 2026aging
Net cost per yearat leastEUR 63You pay per yearnet per yearExcludes annual fee, monthly fee and FX feeFees EUR 63 · Rewards unknown
Apply
Rank 25
25
THORWallet IBAN Card
AvailableAvailable in Estonia
Issued via THORWallet
- Hybrid custody
- Mastercard
- Virtual only
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
Partly verified 15 Oct 2026aging
Net cost per yearat leastEUR 78You pay per yearnet per yearExcludes conversion feeFees EUR 78 · Rewards unknown
Rank 26
26
Vancelian Card
AvailableAvailable in Estonia
Issued via Modulr
- Custodial
- Visa
- Virtual + physical
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
Partly verified 22 Oct 2026aging
Net cost per yearat leastEUR 105You pay per yearnet per yearExcludes issuance fee, annual fee and monthly feeFees EUR 105 · Rewards unknown
Rank 27
27
Krak Card
AvailableAvailable in Estonia
Issued via Monavate
- Custodial
- Mastercard
- Virtual + physical
- Ships here
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
Partly verified 15 Oct 2026aging
Net cost per yearat leastEUR 228You pay per yearnet per yearExcludes conversion feeFees EUR 228 · Rewards EUR 0
Apply
Rank 28
28
Bitsa Card
AvailableAvailable in Estonia
Issued via Pecunia Cards
- Custodial
- Visa
- Virtual + physical
- Apple Pay
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
Partly verified 15 Oct 2026aging
Net cost per yearat leastEUR 247You pay per yearnet per yearExcludes annual fee, monthly fee and conversion feeFees EUR 247 · Rewards unknown
Rank 29
29
Deblock Card
AvailableAvailable in Estonia
Issued via Deblock
- Hybrid custody
- Visa
- Virtual + physical
- Apple Pay
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
Partly verified 15 Oct 2026aging
Net cost per yearat leastEUR 269You pay per yearnet per yearExcludes 4 itemsFees EUR 329 · Rewards EUR 60
Rank 30
30
WaldenPay Card
AvailableAvailable in Estonia
Issued via WaldenPay
- Custodial
- Virtual only
- Apple Pay
- Google Pay
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
Partly verified 15 Oct 2026aging
Net cost per yearat leastEUR 303You pay per yearnet per yearExcludes conversion feeFees EUR 303 · Rewards unknown
Rank 31
31
Curve Pay
AvailableAvailable in Estonia
Issued via Curve
- Mastercard
- Virtual + physical
- Apple Pay
- Google Pay
Leaves out fees the issuer does not list, so it ranks after the complete estimates.
Partly verified 15 Oct 2026aging
Net cost per yearat leastEUR 457You pay per yearnet per yearExcludes issuance fee and conversion feeFees EUR 517 · Rewards EUR 60
Rank 32
32
Tonhub Card
AvailableAvailable in Estonia
Issued via Tonhub
- Self-custody
- Virtual only
- Apple Pay
- Google Pay
Partly verified 15 Oct 2026aging
Net cost per yearNo estimateKnown: card free · top-up free. Not found on the issuer's pages: annual fee, monthly fee, FX fee and conversion fee.
Rank 33
33
Volet.com Card
AvailableAvailable in Estonia
Issued via Volet.com
- Virtual + physical
Partly verified 28 Oct 2026
Net cost per yearNo estimateKnown: account fee free · purchase fee free. Not found on the issuer's pages: issuance fee, annual fee, monthly fee, FX fee and conversion fee.
Rank 34
34
GoMining Card
AvailableAvailable in Estonia
Issued via Unlimit
- Custodial
- Visa
- Virtual only
- Apple Pay
Partly verified 15 Oct 2026aging
Net cost per yearNo estimateKnown: card free. Not found on the issuer's pages: annual fee, monthly fee and conversion fee. Not priced by the issuer: FX markup and rewards.
Apply
Rank 35
35
PEXX Card
AvailableAvailable in Estonia
Issued via PEXX
- Mastercard
- Apple Pay
- Google Pay
Partly verified 28 Oct 2026aging
Net cost per yearNo estimateKnown: top-up free. Not found on the issuer's pages: issuance fee, annual fee, monthly fee, FX fee and conversion fee.
Apply
Rank 36
36
Zebec Card
AvailableAvailable in Estonia
Issued via Zebec
- Mastercard
- Virtual only
- Apple Pay
- Google Pay
Partly verified 15 Oct 2026aging
Net cost per yearNo estimateKnown: card free. Not found on the issuer's pages: annual fee and monthly fee. Not priced by the issuer: FX fee and conversion fee.

Not confirmed for Estonia (108)

We have not confirmed these cards for Estonia yet. They are not ranked and have no cost estimate. Not confirmed does not mean not available.

Not available in Estonia (9)

Coinbase One Card
Restricted
Not open to residents of Estonia.
Source
Exodus Card
Restricted
Not open to residents of Estonia.
Source
Fasset Tether Gold Visa Card
Restricted
Not open to residents of Estonia.
Source
Gemini Credit Card
Restricted
Not open to residents of Estonia.
Source
Kinesis Card
Restricted
Not open to residents of Estonia.
Source
Plutus Card
Restricted
Legal residents cannot use Plutus services at this time.
Source
Solayer Pay Card
Restricted
Not open to residents of Estonia.
Source
Uphold Exa Credit Card
Restricted
Not open to residents of Estonia.
Source
WhiteBIT Nova Card
Restricted
Not open to residents of Estonia.
Source

Comparisons for Estonia

OKX Card vs Nexo Card OKX Card vs Wirex Card OKX Card vs Bybit EU Card Nexo Card vs Wirex Card Nexo Card vs Bybit EU Card Wirex Card vs Bybit EU Card

Spending something else?

The Finder is set up for Estonia. Change your monthly spend, your share in foreign currencies and the features you need, and the ranking updates.

Open the Finder for Estonia

Questions about crypto cards in Estonia

Which crypto cards can I get in Estonia?

36 crypto cards are open to residents of Estonia. The top ones in our ranking are Trade Republic Card, OKX Card and SwissBorg Card. Data from October 2026.

What is the cheapest crypto card in Estonia?

Trade Republic Card comes out best among the cards with complete fee data: rewards are larger than fees, for an estimated net result of +EUR 60 a year. That assumes EUR 500 a month, 30% of it spent in other currencies, and no staking rewards. Data from October 2026.

Are there crypto cards with no annual fee in Estonia?

Yes. 17 cards available in Estonia have a verified annual fee of zero. First in our ranking: OKX Card, SwissBorg Card and Bybit EU Card. Cards whose annual fee we have not verified are not counted.

Which self-custody crypto cards work in Estonia?

6 self-custody cards are available in Estonia. First in our ranking: OKX Card, THORWallet Card and Solid Card.

Can I get a physical crypto card in Estonia?

Yes. 3 cards available in Estonia are confirmed to ship a physical card there. First in our ranking: BIX Card, Bitrefill Card and Krak Card. For the others, shipping there is not confirmed.

Which crypto cards earn rewards or cashback in Estonia?

20 cards available in Estonia state a reward rate. The highest rates with no staking or plan condition: Solid Card (3%), BingX Card (2%) and Bitget Wallet Card (2%).

Which crypto cards are not available in Estonia?

9 cards we have checked are not available to residents of Estonia, for example Coinbase One Card, Exodus Card, Fasset Tether Gold Visa Card, Gemini Credit Card and Kinesis Card. The reason for each is listed on this page. Data from October 2026.

How does Cardsbench rank crypto cards?

We rank cards by their estimated net cost per year at your spending: fees minus rewards, in your local currency. A fee the issuer does not list is never counted as zero, so a card with missing fees shows a partial estimate or none. Affiliate links never affect the order.

How we rank cards and estimate costsAffiliate links never change a card's rank.