Top cards
Trustee Card
Description
Key features:
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Low conversion cost: Spend crypto with minimal exchange rate margins.
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0% FX & ATM fees: No extra charges for foreign transactions or cash withdrawals.
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Personal IBAN & SEPA: Send and receive fiat directly via SEPA with a personal IBAN.
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High ATM limits: Withdraw larger amounts of cash compared to many competitors.
Limitations to consider:
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Limited asset support: Only three cryptocurrencies available for spending.
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No rewards: The card does not offer cashback or incentives.
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Card issuance cost: Physical card requires a €25 fee.
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Emerging platform: Newer service with a smaller and growing user base.
Trustee Card is best suited for users seeking both crypto spending and integrated fiat banking functions, but may not appeal to those wanting broad asset support or reward programs.
Main characteristics
| Name | Value |
|---|---|
| Network | Mastercard, issued via Verestro/Polish EMI |
| Card Type | Prepaid crypto debit — auto-sell crypto when you pay |
| Mobile Wallets | Full Apple Pay & Google Pay support |
| Funding Options | Personal IBAN (SEPA/SWIFT), crypto deposits, P2P transfers |
| Stablecoin Onboarding | USDT support (plus BTC, ETH for payments) |
| KYC Verification | Quick ID + selfie & phone verification |
| Cardholder | Single primary user; up to 6 cards across sub-accounts |
| Issuing Entity | Verestro integration with Polish EMI |
| Base Currency | Euro (EUR) |
| Supported Cryptos | BTC, ETH, USDT |
| Coverage Area | EEA + Ukraine |
| FX Markup | 0% (Mastercard interbank) |
| Crypto→EUR Funding | Automatic at point of sale |
| Interest Rate | 0% |
| Max Cashback | 0% |
| Base Cashback | N/A |
| Daily Spend Limit | €5 000 |
| Daily ATM Limit | Virtual: N/A / Physical: ~€2 000 |
| ATM Fee (Variable) | 0% |
| Monthly ATM Cap | €10 000 |
| Free ATM Allowance | €10 000 |
| Card Formats | Virtual + physical (€25 issuance) |
| IBAN Attached | Yes (personal EUR IBAN, Poland) |
| Bank Account Offered | Yes (e-money current account) |
| Account Locale | Poland (PL-IBAN) |
| Account Type | Personal current (e-money) |
| Third-Party Receipts | Yes (direct to IBAN) |
| Launch Status | Rollout 2022–2024 |
| Primary Region | Europe (EEA & Ukraine) |
| Custody Model | Custodial (no seed phrase) |
| Physical Card Cost | €25 |
| Virtual Card Cost | Free |
| Conversion Spread | ~0.5% |
| Transaction Fee | 0% |
| Total Crypto Cost | ~1% |
| Instant Sell | Yes |
| Spendable Fiat | EUR (0% FX abroad) |
| Deposit Fee | 0% |
| BIN | Not published |
| Issue Country | Poland |
| Validity | 3 years |
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