Crypto Credit Cards Netherlands

Want to pay with crypto in everyday life? Crypto credit cards let you spend Bitcoin, Ethereum, and other coins just like regular money — whether you’re buying coffee or booking flights. With rising adoption in the Netherlands, these cards combine the power of crypto with the flexibility of Visa or Mastercard. We’ll cover how they work, what to watch out for, and which crypto credit cards are actually worth it.

What Is a Crypto Credit Card?

A crypto credit card is a card that lets you spend cryptocurrency (like Bitcoin or Ethereum) at regular merchants. It works just like a traditional Visa or Mastercard — but instead of drawing funds from a bank account or credit line, the payment is converted from your crypto wallet in real time.

There are two main types:

• Prepaid crypto cards, where you top up with crypto before spending
• Credit-backed crypto cards, where you borrow against your crypto or earn cashback in crypto

Most cards automatically convert crypto to euros at the point of sale, making it seamless for everyday use in the Netherlands and abroad. Some also offer crypto rewards, cashback, or integration with DeFi wallets.

What Are the Benefits of a Crypto Credit Card?

Crypto credit cards offer a unique way to bridge digital assets and everyday payments. For crypto users, they unlock flexibility, rewards, and global usability without selling coins manually.

• Spend crypto like fiat
  No need to convert manually — your Bitcoin, Ethereum, or stablecoins are automatically converted at checkout into euros.
• Global acceptance
  Most crypto cards are issued via Visa or Mastercard, so you can use them in stores, online, or while traveling — just like a regular card.
• Crypto cashback and rewards
  Earn Bitcoin cashback or token-based rewards on every purchase — typically between 1% and 5%, depending on the provider and staking level.
• No traditional bank needed
  Great for users with limited banking access or those who prefer to hold funds in crypto rather than fiat.
• Real-time app control
  Manage your card, set spending limits, and monitor crypto balances directly from an app — often faster and more transparent than with banks.
• Extra features for crypto natives
  Some cards offer staking benefits, NFT perks, or access to DeFi services, giving you more than just payment functionality.

For anyone active in crypto, these cards combine convenience with financial sovereignty — all while keeping your coins working for you.

How Do Crypto Credit Cards Work in the Netherlands?

Crypto credit cards issued in the Netherlands (or available to Dutch residents) typically function through real-time crypto-to-fiat conversion. When you make a purchase, the card provider instantly sells a portion of your crypto to cover the cost in euros.

You’ll first need to link your card to a crypto wallet or platform (like Crypto.com, Binance, or Wirex). Some cards require you to top up manually with crypto, while others offer a credit line backed by your crypto assets.

• Purchases are made in EUR, crypto is sold instantly
• No need to pre-convert via exchange
• Some cards offer physical + virtual card options
• You may receive crypto cashback or rewards instantly to your wallet

Tax note: In the Netherlands, each time crypto is sold (including for purchases), it may trigger capital gains tax. Keep records of your transactions — especially if you’re using the card frequently.

These cards make it easy to spend crypto like cash, but it’s still important to understand the underlying conversion rates, fees, and local tax implications.

How to Apply for a Crypto Credit Card in the Netherlands

Applying for a crypto credit card is usually faster than applying for a traditional bank card. Most providers operate via apps or online platforms and don’t require a credit check. However, KYC verification is almost always mandatory.

Steps to apply:

1. Choose a crypto card provider
2. Create an account
3. Complete identity verification (KYC)
4. Top up or connect your crypto wallet
5. Order your virtual or physical card

1. Choose a Crypto Card Provider

Start by comparing features: cashback, supported coins, fees, and regional availability. Popular providers in the Netherlands include Crypto.com, Binance, Wirex, and BitPay.

2. Create an Account

Download the app or sign up via the provider’s website. You’ll need to enter personal details including name, email, and country of residence. Make sure to select “Netherlands” if asked.

3. Complete Identity Verification (KYC)

To comply with EU anti-money laundering laws, providers will ask for:

• A copy of your passport or ID
• A selfie or video verification
• Proof of residence (utility bill or bank statement)

Verification usually takes a few minutes to 48 hours.

4. Top Up or Link Your Wallet

Some cards require a top-up (e.g. minimum €20) in crypto or fiat before activation. Others connect directly to your exchange balance (like Binance Card) or DeFi wallet.

5. Order Your Card

Once verified and funded, you can request a virtual card (often instant) or physical card (delivered in 5–10 business days). Most apps let you manage PIN, freeze card, and track transactions instantly.

You’re now ready to spend crypto in-store, online, or while traveling — just like a regular card.

Popular Crypto Credit Cards Available in the Netherlands

While not all providers are based in the Netherlands, many international crypto credit cards are fully usable by Dutch residents and support EUR transactions. Here are some of the most widely used:

1. Crypto.com Visa Card

A popular choice with multiple tiers. Offers up to 5% crypto cashback, free Spotify/Netflix, and supports EUR top-ups. Cashback paid in CRO tokens.

• App-controlled
• Physical & virtual card
• Requires CRO staking for higher rewards

2. Binance Card

Linked to your Binance account, this card lets you spend your crypto balance directly. Up to 2% cashback in BNB. Supports multiple cryptocurrencies and offers real-time conversion.

• No annual fee
• Cashback in BNB
• Works across Europe

3. Wirex Card

Supports both crypto and fiat balances. Offers up to 8% rewards in WXT tokens and built-in exchange functionality. Regulated in the EU.

• Linked to Wirex wallet
• Hybrid multi-currency
• Transparent fees

What to Look for in a Crypto Credit Card

Not all crypto credit cards offer the same value. Some prioritize rewards, others focus on low fees or DeFi features. Here are the most important factors to consider before choosing one:

1. Supported Cryptocurrencies

Make sure the card supports the coins you actually hold — such as Bitcoin, Ethereum, or stablecoins. Some cards only accept a handful of tokens or require conversion through their native token.

2. Fees and Exchange Rates

Look for transparency. Key fees to check:

• Top-up fees
• ATM withdrawal charges
• Foreign exchange fees
• Crypto-to-fiat spread (conversion rate markup)

Even “free” cards often include hidden costs in the exchange rate.

3. Rewards and Cashback

Some cards offer crypto cashback (e.g. 1–5%) or perks like free subscriptions. But rewards may be locked behind staking requirements or limited to their native token (like CRO or WXT).

4. Regional Availability and EUR Support

Not all global cards support EUR balances or Dutch residents. Check if the provider offers cards legally in the Netherlands and whether they comply with local regulations (e.g. PSD2).

5. App Features and Wallet Control

The best cards include a powerful app to:

• Track spending
• Switch assets
• Freeze card instantly
• Access real-time exchange and staking

6. Custody and Security

Who holds your crypto? Some cards require custody wallets, while others let you keep control. If you value decentralization, pick a card that respects ownership and offers strong 2FA.

Choosing a crypto credit card is about more than just spending — it’s about aligning the card’s features with your investment habits, risk tolerance, and lifestyle.