Monetiro229 services on the ledger · last checked October 6, 2026
ENRU
$3.50/$100
Take it?CostsAsks forLimitsWhere it worksFlawsWhat has changedHow we checkedAlternatives
Ledger
Holyheld

Holyheld

MastercardVirtual and plasticSince 2023
Asks for a documentOperational

Record multi-chain support: 17+ blockchains, 1,200+ tokens. Gasless transactions with subsidized gas. Cashback in stable USDC. IBAN (Cyprus). Hybrid custody: non-custodial for crypto, custodial for fiat.

Total, per $100 spent: $3.50per $100 spent

137 of the 174 priced cards cost less. Among the 101 that ask for exactly as much identity, the median is $1.00. This one takes 4 times that for the same loss of privacy.

Open holyheld.comNot a paid link: we earn nothing either way.

Whether to take Holyheld

In its favour

  • Best multi-chain support — 17+ networks including Solana, Starknet, Berachain
  • 1,200+ tokens supported
  • ~0-0.5% top-up fee — among lowest in Europe
  • 0% transaction fee within EEA

Against it

  • One complaint about €10,638 account freeze
  • EEA only (30 countries)
  • 2.5% + €1 FX fee outside EEA — expensive for travel
  • Expensive physical cards: Classic €29, Limited €99, Metal €199

Also true, in its favour

  • Apple Pay & Google Pay & ATM
  • Gasless transactions (gas subsidized)
  • IBAN (Cyprus-based)
  • 0.5-1% cashback in USDC (stable, not volatile)

What Holyheld costs

ChargeWhat it costs
To get the card
To issue the card$29.00
Monthly$0.00
To put money in
To load1%
To spend it
To spend0%
To spend outside the dollar2.5%
At a cash machine€1 domestic / 2.5% + €2 international
Total, per $100 spent$3.50

Not published by the issuer: per payment, fixed.

Read off holyheld.com on September 7, 2026.

~0-0.5% top-up (lowest in Europe). €0 tx fee (EEA). 2.5% + €1 FX outside EEA. Classic: €29, Limited: €99, Metal: €199. ATM available. Cashback: 0.5% (Classic), 1% (Metal) in USDC.

KYC: what Holyheld asks for

A government document. Passport or ID goes to the issuer and to whoever processes verification for it, before the card is handed over.

Asks nothing7 cards
An email18 cards
A light check — a name and a phone, unverified9 cards
A document102 cards
Everything — document, face, address114 cards

Limits on spending

Monthly spend$27,000
Daily spend$10,800
Per payment$5,400
Cash, per day$1,000

Not published by the issuer: maximum balance.

Confirmed on holyheld.com on September 7, 2026. A figure told to one person in a chat window is not a published limit, so it does not appear here.

Where it works

WalletsApple Pay and Google Pay
Accepted whereOnline, in person, cash machines
Account detailsIts own account details
Coins in4USDT, USDC, ETH, BTC
Chains9Solana, Ethereum, Arbitrum, Optimism, Polygon, Avalanche, Base, Gnosis, BSC
TiersClassic, Limited Edition, Metal

Closed to residents of 45 countries, according to the issuer's own terms.

  • Afghanistan
  • Albania
  • Barbados
  • Burkina Faso
  • Burundi
  • Cambodia
  • Central African Republic
  • Congo (Republic)
  • Cuba
  • Guinea
  • Haiti
  • Iran
  • Iraq
  • Jamaica
  • Jordan
  • Kosovo
  • Lebanon
  • Libya
  • Mali
  • Moldova
  • Morocco
  • Mozambique
  • Myanmar
  • Nicaragua
  • Nigeria
  • North Korea
  • Pakistan
  • Panama
  • Philippines
  • Senegal
  • Somalia
  • South Africa
  • South Sudan
  • Sudan
  • Syria
  • Tanzania
  • Trinidad and Tobago
  • Turkey
  • Uganda
  • United Arab Emirates
  • Vanuatu
  • Venezuela
  • Western Sahara
  • Yemen
  • Zimbabwe

The other flaws

  • Very few Trustpilot reviews (~9)
  • Hybrid custody model

What has changed

2 recorded changes, the most recent on January 16, 2026. Each carries the page we read it on.

January 16, 2026New cardHolyheld launches Holyheld Travel with EntravelOn January 16, 2026 (Dubai), Holyheld and Entravel launched Holyheld Travel — letting cardholders book 2.2M+ hotels worldwide directly from the Holyheld app and pay in crypto.travelandtourworld.com
January 16, 2026VerifiedHolyheld Travel adds crypto hotel booking at 2.2M propertiesHolyheld partnered with Entravel on January 16, 2026, giving cardholders access to 2.2 million hotels worldwide at up to 60% discount, payable in crypto directly from the Holyheld non-custodial wallet supporting 100+ DeFi protocols across 15 blockchain networks.travelandtourworld.com

How we checked this

Thirteen fields are tracked for every service. 12 of them carry a figure we read off holyheld.com on September 7, 2026.

Issuer's page
Cost per $100 · Loading charge · Currency conversion · Per-payment charge · Issuance · Monthly · Cash machine charge · Spending limits · Apple Pay and Google Pay
Sign-up flow
Identity level
Live check
Operating status
Terms
Countries closed
The issuer does not publish
Maximum balance

Nothing here came from a press release, an affiliate sheet, or another comparison site.

Open holyheld.comNot a paid link: we earn nothing either way.

Alternatives to Holyheld

Takes $2.00 less on every $100 spent.THORWallet CardTHORWallet CardMastercardVirtual and plasticAsks for a documentOperational1.5% outside the dollar. 1 fee field is not published.AG21 Jul$1.50per $100 spent
Costs $0.25 more per $100 — the price of the difference.1inch Card1inch CardMastercardVirtual and plasticAsks for a documentOperational1.75% when you load, plus $2.00 fixed.AG7 Sept$3.75per $100 spent
Takes $3.50 less on every $100 spent.YouHodler CardYouHodler CardMastercardVirtual and plasticAsks for a documentOperationalNothing at the door, nothing abroad, nothing monthly. One of 41 cards that cost nothing.AG21 Jul$0.00per $100 spent