Monetiro229 services on the ledger · last checked October 6, 2026
ENRU
$0.95/$100
Take it?CostsAsks forLimitsWhere it worksFlawsWhat has changedHow we checkedAlternatives
Ledger
Mercuryo Spend

Mercuryo Spend

MastercardVirtual onlySince 2025
Asks for a documentOperational

First Mastercard self-custody crypto card by Mercuryo — fund directly from non-custodial wallets (incl Ledger Live integration), 100M+ merchants, €40K monthly limit.

Total, per $100 spent: $0.95per $100 spent

52 of the 174 priced cards cost less. Among the 101 that ask for exactly as much identity, the median is $1.00.

Open mercuryo.ioNot a paid link: we earn nothing either way.

Whether to take Mercuryo Spend

In its favour

  • Self-custody wallet support — fund directly from non-custodial wallets
  • Mastercard 100M+ merchants worldwide
  • Free + instant in Ledger Live for Ledger users
  • 0.95% off-ramp fee

Against it

  • €1.60 issuance fee
  • €1/month maintenance (waived if active)
  • Maintenance fee if inactive 3+ consecutive months
  • 0.95% off-ramp on every transaction

Also true, in its favour

  • €40,000 monthly spend limit
  • Apple Pay & Google Pay supported
  • First Mastercard self-custody crypto card

What Mercuryo Spend costs

ChargeWhat it costs
To get the card
To issue the card$1.60
Monthly$1.00
To put money in
To load0%
To spend it
To spend0%
To spend outside the dollar0%
Total, per $100 spent$0.95

Not published by the issuer: per payment, fixed, at a cash machine.

Read off mercuryo.io on July 21, 2026.

€1.60 issuance + €1 monthly maintenance (waived if active; charged if inactive 3+ consecutive months). 0.95% off-ramp fee per transaction. €40,000 monthly spend limit. Free + instant for Ledger users via Ledger Live. EEA citizens + EU residents only. Apple Pay & Google Pay.

KYC: what Mercuryo Spend 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$40,000

Not published by the issuer: daily spend, per payment, maximum balance, cash, per day.

Confirmed on mercuryo.io on July 21, 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 and in person
Account detailsNone — it is a card, not an account
Coins in4USDC, USDT, BTC, ETH
Chains3Ethereum, Polygon, Arbitrum

Closed to residents of 1 countries, according to the issuer's own terms.

  • United States

The other flaws

  • EEA citizens / EU residents only
  • US not supported

What has changed

1 recorded changes, the most recent on February 4, 2026. Each carries the page we read it on.

February 4, 2026VerifiedMercuryo × Bybit launch Zero-Fee USDC campaignOn February 4, 2026, Mercuryo and Bybit launched a Zero-Fee USDC funding campaign for new card users — eliminating Mercuryo's standard buy fee on the Spend Card top-ups for the campaign window.mercuryo.io

How we checked this

Thirteen fields are tracked for every service. 11 of them carry a figure we read off mercuryo.io on July 21, 2026.

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

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

Open mercuryo.ioNot a paid link: we earn nothing either way.

Alternatives to Mercuryo Spend

Takes $0.45 less on every $100 spent.Bybit Card LiteBybit Card LiteMastercardVirtual onlyAsks for a documentOperationalFree to load. 0.5% outside the dollar.AG9 Sept$0.50per $100 spent
Costs $0.05 more per $100 — the price of the difference.Tuyo CardTuyo CardVisaVirtual onlyAsks for a documentOperationalFree to load. 1% outside the dollar.AG7 Sept$1.00per $100 spent
Costs $1.55 more per $100 — the price of the difference.Simple Wallet CardSimple Wallet CardVisa · MCVirtual onlyAsks for a documentOperationalFree to load. 2.5% outside the dollar.AG21 Jul$2.50per $100 spent