Crypto cards in Montenegro

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

9 cards available in Montenegro · 126 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: 9
verified to ship a physical card: 1
not available here: 18
local currency: EUR

Cards you can get in Montenegro

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
Based Card
AvailableAvailable in Montenegro
Issued via Based
- Visa
- Virtual + physical
- Apple Pay
- Google Pay
Lowest estimated net cost here at this spending level.
Partly verified 15 Oct 2026aging
Net cost per yearEUR 105You pay per yearnet per yearFees EUR 105 · Rewards EUR 0
Rank 2
2
WhiteBIT Nova Card
AvailableAvailable in Montenegro
Issued via Hash Bank
- Custodial
- 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 174Rewards come to more than the fees countedgain per yearExcludes FX feeFees EUR 90 · Rewards EUR 264
Rank 3
3
COCA Card
AvailableAvailable in Montenegro
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 4
4
BingX Card
AvailableAvailable in Montenegro
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 5
5
Wirex Card
AvailableAvailable in Montenegro
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 6
6
Pulsar Money Card
AvailableAvailable in Montenegro
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 7
7
BIX Card
AvailableAvailable in Montenegro
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 8
8
WaldenPay Card
AvailableAvailable in Montenegro
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 9
9
PEXX Card
AvailableAvailable in Montenegro
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

Not confirmed for Montenegro (126)

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

Not available in Montenegro (18)

Bitget Wallet Card
Restricted
Not open to residents of Montenegro.
Source
Bitrefill Card
Restricted
Not open to residents of Montenegro.
Source
Bitunix Card
Restricted
Not open to residents of Montenegro.
Source
Coinbase One Card
Restricted
Not open to residents of Montenegro.
Source
Exodus Card
Restricted
Not open to residents of Montenegro.
Source
Fasset Tether Gold Visa Card
Restricted
Not open to residents of Montenegro.
Source
Fizen Card
Restricted
Listed on Fizen's unsupported countries page; a citizen of this country who currently lives in a supported country may still be eligible.
Source
Gemini Credit Card
Restricted
Not open to residents of Montenegro.
Source
Girin Card
Restricted
Not open to residents of Montenegro.
Source
Kinesis Card
Restricted
Not open to residents of Montenegro.
Source
Krak Card
Restricted
Not open to residents of Montenegro.
Source
Laso Finance Prepaid Card
Restricted
Listed by Laso Finance as an unsupported country.
Source
PayFun Card
Restricted
Listed as unavailable for registration or service access.
Source
RedotPay Card
Restricted
Residents are ineligible for cards (card issuance restrictions page); citizens cannot complete identity verification (unsupported countries page).
Source
Solayer Pay Card
Restricted
Not open to residents of Montenegro.
Source
Solid Card
Restricted
Not open to residents of Montenegro.
Source
Tonhub Card
Restricted
Not open to residents of Montenegro.
Source
Uphold Exa Credit Card
Restricted
Not open to residents of Montenegro.
Source

Spending something else?

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

Open the Finder for Montenegro

Questions about crypto cards in Montenegro

Which crypto cards can I get in Montenegro?

9 crypto cards are open to residents of Montenegro. The top ones in our ranking are Based Card, WhiteBIT Nova Card and COCA Card. Data from October 2026.

What is the cheapest crypto card in Montenegro?

Based Card has the lowest estimated net cost among the cards with complete fee data: about EUR 105 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 Montenegro?

Yes. 5 cards available in Montenegro have a verified annual fee of zero. First in our ranking: Based Card, COCA Card and BingX Card. Cards whose annual fee we have not verified are not counted.

Which self-custody crypto cards work in Montenegro?

2 self-custody cards are available in Montenegro. First in our ranking: COCA Card and Wirex Card.

Can I get a physical crypto card in Montenegro?

Yes. 1 card available in Montenegro is confirmed to ship a physical card there: BIX Card. For the others, shipping there is not confirmed.

Which crypto cards earn rewards or cashback in Montenegro?

6 cards available in Montenegro state a reward rate. The highest rates with no staking or plan condition: WhiteBIT Nova Card (5%), BingX Card (2%) and COCA Card (1%).

Which crypto cards are not available in Montenegro?

18 cards we have checked are not available to residents of Montenegro, for example Bitget Wallet Card, Bitrefill Card, Bitunix Card, Coinbase One Card and Exodus 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.