Bleap is the lower published card-fee option for eligible EEA and Swiss users because Bleap charges no issuance, monthly, usage or exchange fee for card activity, although Mastercard, network, merchant, ATM and tax charges may still apply. Holyheld has one-time tier prices and clearer fixed international and ATM fees, plus 0.5% USDC cashback on Classic and Limited Edition or 1% on Metal. Cypher is closing and should not be considered for a new card.
What non-custodial does and does not mean
The wallet and the card transaction are different layers. Verify each layer on screen before authorizing a direct debit or converting assets to a fiat balance.
Bleap vs Holyheld: verified conditions
| Check | Bleap Card | Holyheld |
|---|---|---|
| Custody and card model | Non-custodial Bleap smart-account wallet with a direct-debit mandate. Mastercard debit issued by Unlimit EU Ltd. Assets remain in the linked wallet until the card flow debits it. | Non-custodial account that connects a user's wallet, converts crypto to fiat and moves it to an account balance for spending. Virtual and physical account/card tiers are offered. |
| Eligibility | Age 18+, EEA or Switzerland residence, KYC and issuer approval, with a published restricted-nationality list and sanctions exclusions. | Residents of 30 listed countries: Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain and Sweden. KYC/AML and nationality restrictions apply. |
| Card and account price | No Bleap issuance, monthly, usage or exchange fee for card activity. | No opening or monthly maintenance fee. One-time price: EUR 29 Classic, EUR 99 Limited Edition, EUR 199 Metal. |
| Payments and FX | Bleap adds no FX markup. Mastercard network rate applies to different-currency transactions; scheme, network, merchant and tax charges can still apply. Buying, selling or bridging assets may add a displayed network fee, processing fee or spread even though card spend itself has no Bleap fee. | Payments in the account currency have 0% FX fee. International payments cost 2.5% plus EUR 1. Crypto-to-fiat top-up is listed at 0%, but the final route and account balance should be checked before confirming. |
| ATM | No Bleap ATM fee, but an ATM operator, scheme or network charge may apply and acceptance is not guaranteed. | Domestic ATM withdrawal EUR 1. International ATM withdrawal 2.5% plus EUR 2. Published limits are EUR 1,000 per 24 hours, EUR 5,000 per 30 days and EUR 60,000 annually. |
| Rewards | The current marketing page advertises up to 20% USDC cashback, but does not provide a complete universal rate table in the public card terms. Treat it as conditional and save the in-app merchant offer, cap and expiry before spending. | 0.5% USDC cashback on Classic and Limited Edition purchases; 1% on Metal, subject to qualifying transactions and current account terms. |
Cypher began winding down on July 8, 2026. Card loading is disabled, and new card applications and issuance have ended. Existing cards can be used only until August 7, 2026, when active cards are canceled. The mobile app, dApp, business platform, withdrawals and reward claims close on September 6, 2026. Existing users should stop sending funds to Cypher deposit addresses, withdraw remaining balances, claim available rewards, back up wallet recovery information and download transaction history before the final deadline.
How MetaMask Card and Gnosis Pay fit
Bleap and Holyheld are not the only wallet-first routes. MetaMask Card is useful when the official Card tab confirms your country, supported network, spending asset and card terms. Gnosis Pay links card use to a Safe Smart Account and has its own eligible-country and restricted-use rules. Compare those details in the dedicated MetaMask eligibility and fees guide and Gnosis Pay country guide rather than assuming every self-custody product has the same settlement model.
Verify the route before funding
A non-custodial label is not enough to price a card transaction.
Confirm residence, nationality, KYC, issuer approval and available card tier.
Identify the wallet debit, conversion step, fiat balance and third-party fees.
Make a small purchase and match wallet debit, settled card amount and reward.
Save-record checklist
- Country, nationality, KYC and card-tier eligibility screens.
- Issuer disclosure, wallet address, direct-debit mandate or top-up authorization.
- Crypto amount, fiat quote, spread, processing fee, network fee and card settlement.
- Card issue price, international payment fee, ATM fee and operator surcharge.
- Reward offer, qualifying merchant, percentage, cap, expiry and final USDC credit.
- First small payment, monthly statement, wallet transaction identifier and support case number.
- For Cypher only: exported transaction history, reward claim, withdrawal confirmation and wallet backup completion before September 6, 2026.
FAQ
Does non-custodial crypto card mean no KYC?
No. Bleap and Holyheld keep the crypto wallet under the user's control, but card issuance and regulated payment access still require identity verification and eligibility checks.
Is Bleap available worldwide?
No. Bleap's current EEA cardholder terms limit availability to the EEA and Switzerland, subject to nationality, sanctions, KYC and issuer restrictions.
How much does Holyheld cost?
Holyheld lists no account-opening or monthly maintenance fee, with one-time prices of EUR 29 for Classic, EUR 99 for Limited Edition and EUR 199 for Metal. Domestic-currency payments are listed at 0% FX; international payments cost 2.5% plus EUR 1, domestic ATM withdrawals EUR 1, and international ATM withdrawals 2.5% plus EUR 2.
Should a new user apply for Cypher Card?
No. Cypher disabled card loading and ended new applications and issuance on July 8, 2026. Card spending ends August 7, and the platform and withdrawal window close September 6, 2026. Existing users should offboard and save records.
Official sources checked
Checked on 2026-07-16 JST. Reopen the live app and legal terms before connecting a wallet, authorizing a debit or moving funds.