Mobilum Card

What Mobilum is

Mobilum Technologies is a publicly listed fintech group (CSE: MBLM) founded in 2017 and headquartered in Vancouver, which bridges traditional finance and crypto through regulated entities in Poland, the US and Canada. Its consumer product is a Mastercard debit card that converts cryptocurrencies to fiat at the moment of payment, backed by accounts in EUR, USD and PLN. The same group also runs Mobilum Pay, a wallet and buy-crypto service, and a white-label card programme that lets other companies issue their own co-branded Mastercard products.

Regulation, which is the card's main strength

Mobilum operates through a Polish Payment Institution licence (MIP118/2021) supervised by the KNF, a Polish VASP registration, and money services business registrations with FinCEN in the United States and FINTRAC in Canada. Independent trackers reviewing the card in mid-2026 found no reported hack, withdrawal freeze or regulatory action against it, and rated its transparency highly. That is a stronger licensing picture than most crypto cards in this segment, and it is why the card sits in the second tier despite limited user feedback.

The card and what it costs

The card comes in virtual and physical versions, works with Apple Pay and Google Pay, and is accepted anywhere Mastercard is, with sanctions-related exceptions. It supports more than 50 cryptocurrencies including BTC, ETH, USDT, USDC and SOL. The trade-offs are a custodial wallet - funds sit with the group rather than in your own keys, and full KYC is mandatory - and no cashback at all, while an FX markup of up to 2.5% and ATM withdrawals at 2% plus a flat fee make foreign spending and cash access expensive.

Where the reviews stand

Public feedback is thin and lukewarm: a Trustpilot score of 2.7 from nine reviews and an App Store rating of 3.0 from ten reviews. Those samples are far too small to be conclusive, but they are not a positive signal either, and the corporate focus has shifted toward licensing software in other areas, so the card's roadmap - including the credit card still listed as coming soon - is worth watching rather than assuming.

Mobilum converts crypto to fiat at the moment of payment and holds EUR, USD and PLN accounts under the same login. The Bitwala Card follows the same model with euros and crypto in one place, and the Brighty Card adds IBAN accounts for three currencies plus USDC cashback. The crypto card directory compares the account features.

Card

• Mastercard debit card in virtual and physical versions, converting crypto to fiat at the point of payment.
• Accepted wherever Mastercard is accepted, excluding sanctioned countries.
• Apple Pay and Google Pay support, online and contactless in-store payments.
• No limit stated on the number of cards, and no load limit.
• Digital passbook in the app for expense tracking.

Accounts

• EUR, USD and PLN accounts, with free same-currency transfers between Mobilum users.
• More than 50 supported cryptocurrencies including BTC, ETH, USDT, USDC and SOL.

For businesses

• White-label card programmes: companies can issue virtual and physical co-branded Mastercard products on Mobilum's platform.
• Partnered with exchanges and platforms including BTSE, Binance, CryptoSX and Kassio.

Supported assets

Mobilum supports more than 50 cryptocurrencies including Bitcoin, Ethereum, USDT, USDC and SOL. Conversion to fiat happens at the point of payment, so the card always settles in your account currency - EUR, USD or PLN - and you choose which asset the payment draws from.

Custody

The wallet is custodial: funds are held by the group's regulated entities rather than in a wallet you control, and full identity verification is required. That structure is what makes the licensing stack possible, but it means you do not hold the keys and the platform can freeze or lose funds - a trade-off to weigh if you plan to park a balance on the card.

Where the licensing sits

Crypto services run under a Polish VASP registration with money services business registrations in the US and Canada, while payment services run under the Polish Payment Institution licence. Because the regulated entities sit in several jurisdictions, the applicable protections depend on which entity serves your account.

What the company publishes

• No annual, monthly or inactivity fee
• No cashback or rewards programme
• Card load limit described as having no limit
• The fee schedule itself is not published on Mobilum's website - the figures below come from independent trackers that reviewed the card in mid-2026

What independent trackers report

• Card issuance: approximately €7 for the physical card, with virtual issuance quoted as low as about $1 elsewhere - figures vary between sources
• ATM withdrawal: 2% of the amount plus a flat fee of around $2
• FX markup: up to 2.5% on transactions in a currency other than your account currency
• Estimated net annual cost: around €7

How that compares

At 2.5% FX plus 2% and a flat fee on ATM withdrawals, this is one of the more expensive cards to use abroad, and there is no cashback to claw any of it back. For spending in your account currency - EUR, USD or PLN - the cost profile is much better, because the FX markup is what drives the cost. Anyone living outside the euro, dollar or zloty area should compare carefully against cards that charge 0% to 1% FX before committing.