TL;DR.Monflo Card is a Visa crypto debit card (Virtual + Physical, KYC: Full KYC). Cost per $100 spent: $0. Top-up fee 0%, FX fee not disclosed. Wallet support: Apple Pay + Google Pay. Status: Operational. Last verified: July 21, 2026.

CARD PROFILE · FULL KYC

Monflo Card.

Name: Monflo Card Crypto Card
Brand: Monflo Card

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.

Launched 2024·Verified July 21, 2026

Visit site ↗← Back to the ledger

Cost / $100

$0.00

Top-up fee

Free

Network

Visa

Card type

Virtual + Physical

IBAN

Yes

Monthly limit

—

Status

Operational

Pros.

+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)
+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

Cons.

−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)
−US not supported

FEE BREAKDOWN

Detailed fee breakdown.

Top-up fee

Free

Transaction fee

0.9%

FX fee

—

Issuance

—

Monthly

$7.99

Cost / $100

$0.00

Issuer does not publicly disclose fee details — exact figures vary, verify in app.

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.

COVERAGE