Monetiro229 services on the ledger · last checked October 6, 2026
ENRU
$0.90/$100
Take it?CostsAsks forLimitsWhere it worksFlawsHow we checkedAlternatives
Ledger
Monflo Card

Monflo Card

VisaVirtual and plasticSince 2024
Asks for everythingOperational

EU MiCA-licensed Web3 IBAN — every EUR you receive auto-becomes EURe stablecoin at 0 cost, 0.9% swap on best DEX prices, crypto debit card for global spending.

Total, per $100 spent: $0.90per $100 spent

51 of the 174 priced cards cost less. Among the 113 that ask for exactly as much identity, the median is $1.25.

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

Whether to take Monflo Card

In its favour

  • MiCA-licensed CASP under Dutch AFM
  • Web3 IBAN — every EUR deposit auto-becomes EURe stablecoin
  • 0 fees on EUR transfers
  • 0 custody/IBAN/on-ramp/off-ramp fees (subscribed)

Against it

  • 0.9% swap on crypto-crypto trades
  • €0.15 per outgoing transfer (business)
  • €7.99/month account fee (30-day free trial); specific FX/transaction/issuance fees on card not transparently published
  • EU-focused (CASP MiCA)

Also true, in its favour

  • 0.9% swap fee — scans 15+ DEX for best price
  • Crypto debit card for global online + in-store spending
  • Business clients: only €0.15 per additional outgoing transfer

What Monflo Card costs

ChargeWhat it costs
To get the card
Monthly$3.99
To put money in
To load0%
To spend it
To spend0.9%
Total, per $100 spent$0.90

Not published by the issuer: to issue the card, per payment, fixed, to spend outside the dollar, at a cash machine.

Read off monflo.com on September 7, 2026.

0 EUR transfer fees. €7.99/month personal account fee (30-day free trial, then charged monthly to cover maintenance/custody/access — no extra custody/IBAN/on-ramp/off-ramp fees once subscribed). 0.9% swap (scans 15+ DEX). Business accounts: €29.99/month, 100 free transfers, €0.15 per additional outgoing transfer. Specific card-level FX/transaction/issuance fees not transparently published — verify in app. MiCA-licensed CASP under Dutch AFM.

KYC: what Monflo Card asks for

Full verification: a document, a photograph of your face and proof of your address. The same file a bank opens on you, held by a company that is not a bank.

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

Monflo Card publishes no spending limits at all.

Where it works

WalletsApple Pay and Google Pay
Accepted whereOnline and in person
Account detailsIts own account details
Coins in3EURe, USDC, USDT
Chains3Ethereum, Polygon, Arbitrum

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

  • United States

The other flaws

  • US not supported

How we checked this

Thirteen fields are tracked for every service. 8 of them carry a figure we read off monflo.com on September 7, 2026.

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

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

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

Alternatives to Monflo Card

Takes $0.90 less on every $100 spent.Deblock CardDeblock CardVisaVirtual and plasticAsks for everythingOperationalNothing at the door, nothing abroad, nothing monthly. One of 41 cards that cost nothing.AG21 Jul$0.00per $100 spent
Costs $1.10 more per $100 — the price of the difference.KleosKleosVisaVirtual and plasticAsks for everythingOperational2% when you load. 1 fee field is not published.AG12 Sept$2.00per $100 spent
Costs $0.10 more per $100 — the price of the difference.Bringin CardBringin CardVisaVirtual and plasticAsks for everythingOperational1% when you load.AG8 Aug$1.00per $100 spent