Credits Debit Card

What the Credits Debit Card is

Credits.com is an all-in-one wallet that combines a card, a dedicated IBAN and current accounts with cryptocurrency services. The card is described as an officially certified Mastercard crypto debit card programme, and a Visa version is offered on the same plan structure.

The licence behind it

Credits operates as a European-licensed electronic money institution for its cards and IBANs, with PCI DSS certification, strong customer authentication and GDPR compliance. Money in individual IBAN accounts is protected under European legislation and segregated from company assets.

How it works

You open an account in the app or web wallet, verify your identity, and the card is issued for €5. Top-ups can be made by external card, bank transfer, IBAN or crypto, and the wallet holds 20+ currencies including USD, EUR, GBP, CNY, HKD and AED. The card is accepted at 50 million-plus locations and works with Apple Pay and Google Pay.

The main cost to understand

Card payments inside the EU, Iceland, Liechtenstein and Norway are free. Anything outside that zone costs €0.60 plus 2% per transaction, which makes the card expensive as a travel card and cheap as a domestic European one.

Credits issues a virtual card through a European e-money institution and keeps it free while you meet the app's usage conditions. Among EU-licensed issuers the closest comparisons are the Bitsa Card, which also gives you a European IBAN, and the Bitwala Card, which publishes a flat fee sheet instead of usage conditions. The crypto cards listing sets out the differences.

Card

• Debit card issued as Mastercard or Visa, virtual only for now.
• Accepted at 50 million-plus locations worldwide.
• Apple Pay and Google Pay supported.
• No monthly card maintenance when the free-usage conditions are met.

IBAN and accounts

• Dedicated EUR IBAN for SEPA payments, opened online.
• 20+ multi-currency accounts including USD, EUR, GBP, CNY, HKD and AED.
• Incoming SEPA transfers free.

Crypto services in the same wallet

• Card top-ups with cryptocurrency.
• Buying and exchanging digital assets inside the wallet, without a separate exchange account.
• External crypto transfers charged at the network gas fee.

Compliance

• PCI DSS certification, strong customer authentication and GDPR compliance.
• Customer money protected under European legislation and kept segregated.

Crypto in the wallet

Credits is explicitly crypto-friendly: the card can be topped up with cryptocurrency, the wallet holds digital asset accounts, and buying or exchanging crypto is available without an external exchange. External crypto transfers are charged at the gas fee.

No published asset list

Credits does not publish the full list of supported cryptocurrencies on its card pages, and the card spends fiat (EUR and the other wallet currencies) rather than a coin of your choice at checkout. If you need a card that spends a specific token directly, look at providers that document their coin list.

Card fees

• Card issuing: €5 (free on Plus and Premium plans)
• Monthly maintenance: free, or €5 per month if you do not meet one of the free-usage conditions
• Card payment in shops: free in the EU, Iceland, Liechtenstein and Norway
• International card payment: €0.60 + 2% per transaction
• Non-active card fee: €5 on the Standard plan

Free conditions

Card and IBAN are free if you meet at least one of: a wallet balance of €2,000 or more; monthly activity of €500 through card spending, external outgoing transfers or crypto purchases and sales; or one referral per month.

Other wallet fees on the free plan

• Dedicated IBAN opening: €10
• Withdrawal to an external bank account by SEPA: 0.4%, minimum €5
• Top-up from an external debit or credit card: 3%, minimum €0.40
• Withdrawal to an external card: 4% + €4
• Outgoing SWIFT: 0.5% + €60

Plus (€9.99/month) and Premium (€29.90/month) cut these rates and make the card and IBAN free to open.