Deblock Card

Deblock is a French payment institution (DEBLOCK SAS) that combines a personal euro account with a self-custodial crypto wallet and a Visa debit card. It markets itself on simplicity: one app for euros, stablecoins and bitcoin, and a card you can use abroad without a foreign-exchange fee.

The headline draw is yield. Deblock advertises 4% a year on the balance held in the current account, across euros, stablecoins and bitcoin — a rate that sits well above most European current accounts. Crypto assets stay in your own wallet, which is why Deblock sits somewhere between a neobank and a Web3 wallet, rather than being purely one or the other.

The trade-offs are the usual ones for a young European fintech: card cashback only kicks in on paid plans, the fiat side is euro-only, and the service is restricted to the European Economic Area. As an EMI rather than a bank, your euro balance is not covered by a deposit-guarantee scheme in the way a bank account would be.

Deblock's free tier carries no cashback at all, with rewards starting on the paid plans, which puts it against the Bit2Me Card on the rewards side and the Bitwala Card on the hybrid euro-account-plus-self-custody model. Compare the plan pricing on each in the crypto cards directory before choosing.

What you get

• Personal account in euros with a French IBAN, held through a licensed payment institution.
• Visa debit card — issue a virtual card instantly, order a physical card, and optionally upgrade to an LED metal design with NFT-based customisation.
• Self-custodial crypto wallet for BTC, ETH, SOL and USDC, managed in the same app as your euro balance.
• 4% a year advertised on current-account balances in euros, stablecoins and bitcoin.
• No FX fee on card payments made abroad.
• Free crypto conversion between supported assets, per third-party fee breakdowns.
• Apple Pay and Google Pay support for contactless spending.

Custody model

Euros sit with the regulated payment institution, while crypto is held non-custodially in your own wallet — the practical reason we classify Deblock as a hybrid model rather than a pure exchange-style account.

Supported assets

Deblock lists a deliberately narrow set: BTC, ETH, SOL and USDC, alongside the euro balance. That is a fraction of what an exchange card supports, but it covers the assets most people actually top up with.

Fiat support

Euros only. If you need multi-currency IBANs in USD or GBP, a provider like Brighty is a better fit.

Card and account fees

• Standard plan: €0 per month, 0% cashback.
• Premium plan: €14.99 per month with up to 1% cashback.
• Native plan: up to 1% cashback (monthly fee differs by market — check in-app).
• Card payments abroad: no FX fee.
• Card issuance: not publicly priced — confirm the virtual and physical card fees inside the app.
• ATM withdrawals: terms not published publicly; monthly limits and any fees are shown in the app.

What the cashback costs you

1% back against a €14.99 monthly fee means you need roughly €1,500 of monthly card spending to break even on the Premium plan. On lower spending, the free Standard plan is the cheaper option, even though it earns nothing.