A euro card you load from crypto — useful plumbing, thin paper trail

Updated October 2026

Licensed

Available in US

Fast payouts

18+ Only

Trastra is a prepaid Visa card that you fund by converting crypto inside a Mover wallet, and you spend the resulting euro balance like an ordinary debit card. That is the whole idea, and on paper it is a sensible one for someone who holds stablecoins and wants to pay a rent bill or a restaurant bill without a brokerage account. On paper the numbers are not great: a card order fee of EUR 9.00, EUR 15.00 a year to keep it, and 3% on anything you buy in a currency other than euro. Underneath that sits a bigger issue than pricing. The public pages do not say what documents you must send, when your balance is released, or how to close the account and get money back out. Those gaps matter more than the fees, and I would want them answered before I moved meaningful money in.

The conditions described here are current as of October 28, 2026.

Verdict: 4.1 out of 10

The score is not a ranking of crypto cards in general. It is a mark for this particular card, on this particular set of facts, and the components are uneven. Everyday use — the part you feel when a payment goes through — is the strongest at 6 out of 10. Who can get the card is a 5. Everything that costs you money, everything about how you fund it, and everything about whether the company answers you is 3 or 4.

The audience this suits is narrow and worth naming plainly: residents of the European Economic Area who already hold crypto in a Mover wallet and want to turn it into euro spending power without touching a bank. If that is you, the mechanics are sound. If you are outside the EEA, the answer is a flat no for now. If you want rewards, cashback, a metal card, or a card you can load from several networks at your choice, this is the wrong product.

Two things to weigh before you read the rest. First, the issuer is a licensed Lithuanian e-money institution with a Bank of Lithuania licence, and the card runs on Visa. That is not nothing — the money sits in a segregated account, and the licence is checkable. Second, that licence protects the institution, not your patience. The complaints I found are not about a card being counterfeit; they are about money being held and nobody replying. I would rather you decided with both facts in hand than with only the reassuring one.

Who will they give the card to?

The eligibility rule, as the card states it, is residence-based. The card is available in 31 listed countries, and Germany, France and the United Kingdom are among them. The page also says it “will be available for all residents of the European Economic Area (EEA)”. For non-European residents the answer is “Not at the moment.”

That is the whole rule as published. Note what is absent: nothing on the public page states the minimum age, the documents required, or whether proof of address is needed. For a reader in, say, Italy or Spain, availability looks straightforward in principle. For a reader in the UK, it looks straightforward too. For a reader in Poland with a Ukrainian citizenship and a Warsaw residence, the page tells you nothing about how nationality is treated — and in this sector that is a real question, because sanctions screening and issuer risk policy are usually applied to citizenship and country of birth as well as to the country of address.

So the honest summary is: if you live in one of the 31 countries, you are probably in scope, and the missing detail is paperwork you will only learn about when you try. If you live outside Europe, there is no path here today. I would not read the EEA promise as a commitment with a date attached; a promise of future availability is not something you can spend.

One more thing about who gets one: this is a single card product, with no tiers and no levels. Early customers could order a “limited card design” — a cosmetic variant, not a different set of terms. So when someone tells you a card is “better”, they are usually describing a different card.

Fees, limits and what a payment actually costs

The public fee schedule is incomplete, and I want to be exact about which parts are missing rather than rounding them off in the card’s favour. What follows is what the card states. The two lines I cannot give you are the document and address requirements — the page does not mention them, so I will not invent them. The security story is clearer: a Visa identity check on every transaction, 3-D Secure, two-factor authentication, and device authorisation for new devices.

The card itself is a “Prepaid debit card” accepted at Visa merchants worldwide, in euro. Whether a virtual card is issued is not specified on the page, though the fact that ATMs work implies a physical card exists.

Not stated: the cost of replacing a lost card, the delivery time, the ATM allowance, and any weekly, monthly or annual caps. Some ATM operators add their own charges on top, which is normal across the industry and not a Trastra-specific cost.

Now let me put that table to work on three ordinary payments, because an abstract fee table never tells you whether a card is cheap. Assume you are in Germany, holding euros, and you have already topped up.

A EUR 40 grocery shop. You pay in euros, so the 3% never applies. Cost: nothing beyond what you already paid to load the balance. This is the case the card is built for, and it is clean.

A EUR 30 subscription from a merchant billing in dollars. The 3% adds EUR 0.90. Nothing hidden, no spread described anywhere — the card says 3% and does not mention a second layer. That is a fair price for a foreign purchase on a crypto-funded card, and it is much lower than the usual bank-card-plus-exchange-rate combination.

A EUR 50 note from a Spanish ATM. EUR 2.25 comes out of your balance, and the EUR 300 daily ceiling means you cannot take more than that in one day regardless. If you take euros in Portugal, still EUR 2.25. If you take dollars in the United States, or euros outside the EEA, it is EUR 2.25 plus 3% of the amount.

Run those three and you see the shape of this card: essentially free where it is designed to work, adequately priced elsewhere, and capped hard enough at ATMs that it is not a way to carry cash. The EUR 15.00 annual fee is the number that should make you pause. It is charged within 45 days of ordering, and the card says it is “not charged by Mover”, which reads as a subsidy by the app rather than a permanent waiver. If Mover changes its mind in year two, you are paying EUR 15.00 for a euro card that the bank down the street issues for free — and the difference is that this one can be funded from crypto. That is the trade, stated fairly.

How to top it up

Top-up happens in the Mover wallet, with cryptocurrency. The exchange from crypto into euro is free, and the rate is set at the transaction — so there is no stated spread to argue about, and no stated time when the rate is locked. The card order fee of EUR 9.00 comes out of your first top-up, and the page notes it can be covered by Smart Treasury bonuses, which are a Mover feature and not something I have verified in detail.

Here is the honest part. The page does not name a single coin or a single network. Not USDT, not USDC, not Ethereum, not Solana, not Tron. It says “cryptocurrencies in your Mover wallet”. The minimum top-up is not stated, and whether you can load euros from a bank account is not stated either. For a product whose entire value proposition is loading a specific asset over a specific chain, that silence is the finding.

Why it matters, in plain terms: blockchain transfers are irreversible, and a deposit sent on a network the provider does not support, or to an address belonging to a different network, can simply be lost or need manual support recovery with no guarantee. If the app shows you an address and a network label, match both before you send. And note the gas point, which is invisible in a card’s marketing: on Ethereum, fees are paid in ETH, so a wallet holding USDT but no ETH cannot send at all. Tron prices differently, using bandwidth and energy rather than a plain per-transaction fee. The amount you will pay to get money onto the card is charged by the blockchain, not by Trastra, and Trastra does not put a number on it.

The €9.00 order fee being taken from your first top-up is a small thing that will confuse you the first time it happens. Card delivery is free, to the 31 listed countries. Delivery time is not stated.

Paying with it every day

The best part of this card is the dull part: a dedicated euro IBAN, acceptance at Visa merchants worldwide, and ATMs across Europe. If your ordinary spending is in euros, the friction is close to zero, and you can transfer money to local banks with the card.

There is also an app for Android and iOS, and a web app at app.viamover.com. Store ratings were not read, so I have no view on how people rate the software.

Two features are widely believed and are not confirmed. Apple Pay and Google Pay: Trastra’s own self-description on its Trustpilot company page says the card can be used with both, but that is not the same as a line in the fees and limits documentation, and I am marking it unofficial. A virtual card: not named anywhere I could find, so do not plan around one. Whether there is cashback, and whether certain merchant categories are blocked, are not stated — one internal note suggested crypto cashback, and the page itself contains none, which tells you how much weight to put in it.

If you want a phone wallet, test it before you depend on it: add the card, make one small payment, then make one small payment when you are abroad. Tokenised card numbers can be restricted by the issuer for specific channels, and a decline at a till with a queue behind you is a worse lesson than any fine print.

What can go wrong

The mechanics are sound and the corporate structure is legitimate; the risk here is the boring, human kind.

Frozen money and refused withdrawals. These are the dominant theme in the reviews: funds blocked, withdrawals denied, across 2025. With an e-money account, a compliance hold is a real and sometimes lengthy event, and the card does not publish a timeframe for releasing one.

Support that does not answer. Reports from January to May 2025 describe copy-paste replies and no substantive response. The published contact details are an email address, [email protected], and a knowledge centre at faq.viamover.com; the languages and opening hours are not stated. An unanswered email is a much worse experience with money locked than with anything else.

Maintenance windows. Reports from March to June 2025 describe a period when the balance could not be reached at all. Treat your balance as something you can be temporarily unable to touch, and keep a buffer outside the card for anything time-critical.

Insolvency signals, unverified. In March 2025 there were reports of an email about the “Initiation of Insolvency Proceedings” against a related entity, and in May 2025 claims that the company was closing with police information about bankruptcy proceedings. These are user reports on a review platform, not confirmed announcements, and they concern the wider service group rather than the card programme specifically. I did not find dated official news either way, which is itself telling: at a moment like that, silence is unusual.

Nothing is deposit-insured. This one is stated by the card and deserves to be read twice. Funds are held in a segregated account, which is real protection against mixing. But the product is “not covered by the Deposit Insurance System of the Republic of Lithuania”. A euro balance here is not a bank deposit, and it should not be treated as one.

Ratings, with context. Trustpilot shows 2.0 out of 5 from 747 reviews, 65% five-star and 23% one-star. Only 7 reviews fall in the last twelve months, so the live picture is thin in both directions — a low volume of recent activity cuts both ways, and it is not the case that the current picture is uniformly bad. Earlier the same page read 1.8 from 758. These reviews concern the Trastra service, not necessarily the Mover card, and I would weight them accordingly: they are the best evidence available about how the company behaves when something goes wrong.

No disputes process published. How to contest a transaction, or how long it takes, is not stated. In the United States, prepaid-card chargeback protection varies and should not be assumed to exist; here the card is European, and the applicable rules are not the ones US users know, but the point stands — do not assume a refund path you have not seen written down.

Category risk. Merchant category codes are four-digit classifiers assigned when a business starts accepting cards, and the code covering gambling (7995) is blocked by many issuers as policy rather than by law, with a different list per issuer. Whether Trastra blocks anything is not stated.

Finally, a structural risk worth understanding once, because it explains the industry and it can arrive without warning: Visa and Mastercard do not issue crypto cards to consumers themselves — they license issuers, and they can suspend a programme. Visa terminated its global agreements with FTX on 13 November 2022, and WaveCrest, a Visa issuer that supplied crypto card brands, was suspended in Europe in 2018, closing all WaveCrest-issued Visa programmes. Closures follow a pattern: a notice period, then spending and loading stop, then users are asked to withdraw remaining balances. One 2026 closure reported by a secondary source ended new loads on 8 July 2026 and spending on 8 August 2026 — a single unconfirmed source, quoted here only to show the shape of the risk.

What to take instead

If your problem is “I want to spend crypto in euros”, you have options with different shapes and different scores. I am not recommending any of them; here is how they differ, so you can pick against your own situation.

The honest comparison is blunt. Lava scores best of the three alternatives at 7.1, and its cost structure is the one that would win me over: no annual fee, no FX fees, no FX spread. Its rewards claim of up to 5% back in bitcoin comes with conditions the page does not state, so treat the 5% as a ceiling rather than a rate.

Based at 6.9 is the one that most closely resembles what crypto card users want. No signup or annual fee, a free virtual card issued instantly, a dollar card you can fund with USDT, USDC, SOL and others across Solana, Arbitrum, Polygon and Hyperliquid, and cashback paid in $BASED — but note that all benefits end when unstaking begins, and its country list excludes about 74 countries including the United States, Canada, Australia, China and India, so it is not a route for many of the readers of this page. The two structures differ in one way that matters: Based converts at the point of sale automatically, whereas Trastra holds a euro balance you fund in advance.

Gemini at 4.9 is a different animal entirely — a credit card, not a prepaid one, so it is not for someone who cannot access credit. Its rewards are the most detailed and the most generous here, with real percentages by category and crypto paid instantly in Bitcoin or 50+ assets, plus referral money. But you pay it back in fiat, which is precisely what the reader who needs a crypto-funded card does not want.

Set against all three, Trastra’s distinctive asset is its euro IBAN and its EEA residence basis. Its distinctive costs are the EUR 15.00 annual fee, the 3% on non-euro spend, and the thin public detail. If your spending is in euros and you already hold crypto, that combination may still be worth it. If either of those two conditions fails, one of the alternatives above is a better use of your time.

Who I would recommend it to

I would recommend it to a person living in one of the 31 listed countries, holding crypto they want to spend in euros, who is comfortable treating the balance as money that might be temporarily unavailable. Under those conditions, you get a Visa card with a euro IBAN, free delivery, free crypto-to-euro exchange, and a running cost of EUR 15.00 a year plus 3% off-euro — reasonable, if not cheap, and far better than trying to spend stablecoins directly anywhere.

I would not recommend it to someone outside the EEA, to someone who needs a card in dollars or sterling, to someone planning around cash withdrawals, or to anyone putting money in that they would need in a week. I would also not recommend it to someone who needs rewards or cashback, because the card does not state any, and to someone who expects published, complete terms — because the documents, the top-up minimum, the delivery time, the replacement cost, and the closing procedure are not on the page.

Before you commit money, do what I would do. Ask the support address what documents the application actually needs, and in what language. Ask what happens to a balance after a compliance freeze and how long that takes. Ask how to withdraw the balance back to crypto and how the account is closed. Ask whether the EUR 15.00 annual fee is waived for Mover users beyond year one. Then, if the answers are clear, start with an amount you would not mind seeing locked for a fortnight — because that, more than any fee, is what the complaints describe.

Frequently asked questions

What is the Trastra card?

Trastra is a prepaid Visa debit card that draws on a euro balance you load from cryptocurrency. The card is described on its own pages as available to residents of 31 listed European countries, with a promise of availability to all residents of the European Economic Area. It is issued by a licensed Lithuanian e-money institution and accepted wherever Visa merchants are accepted. It is a spending tool funded from crypto, not a bank account and not a crypto wallet itself.

How does the Trastra card work?

You convert crypto into euro inside your Mover wallet, and that euro balance is what the card spends. The exchange is stated as free, with the rate set at the time of the transaction. Spending above EUR 7,700 a day is refused, total daily use including ATM withdrawals is capped at EUR 8,000, and the balance itself cannot exceed EUR 8,000. Anything beyond that has to wait. The card does not publish the minimum top-up or name which coins and networks are accepted.

Is Trastra a bank?

No, and the distinction matters for your money. The issuer is UAB “Finansinės paslaugos Contis”, an electronic money institution holding Bank of Lithuania licence No. 53. An e-money institution in the EU can issue e-money, payment cards and wallets, but it cannot lend. The card also states that the product is “not covered by the Deposit Insurance System of the Republic of Lithuania”, so your balance is not a deposit-guaranteed bank deposit.

Who owns Trastra?

Mover partnered with Trastra, and Holyheld Labs is described as an authorised partner of Trastra Inc. The card programme itself sits with the Lithuanian e-money institution named above. That layered structure is normal for this sector — the crypto brand is often a front end over a licensed issuer — but it also means the entity you deal with and the entity that holds your money may not be the same one.

Can I use the Trastra card in my country?

Inside the EEA, in one of the 31 listed countries, yes: Germany, France and the United Kingdom are all named. Outside Europe, the answer given on the page is “Not at the moment.” If you live in Europe but hold a nationality from elsewhere, the page says nothing about how citizenship is treated, and in this industry nationality is usually screened separately from residence because of sanctions rules.

How do I apply, and does it need KYC?

The public pages do not state the documents required, whether proof of address is needed, or the age threshold, so I cannot walk you through the steps — you will learn them at the point of application. On security, the card states a Visa identity check on every transaction, 3-D Secure, a one-time code alongside your wallet password, and email approval for new devices and browsers. Funds are held in a segregated account.

How much does the Trastra card cost to keep?

Order the card and you pay EUR 9.00, taken from your first top-up. Then it is EUR 15.00 a year, described as “not charged by Mover” and first charged within 45 days of ordering. Delivery is free. Converting your crypto into euro costs nothing. Spending in a currency other than euro costs 3% — that is the price of using this card abroad or on a foreign-billing subscription.

What are the fees at an ATM and what are the limits?

Withdrawing euros costs EUR 2.25. Withdrawing a non-euro currency, or withdrawing outside the EEA, costs EUR 2.25 plus 3% — and some ATM operators add their own charges on top. You can take EUR 300 a day from ATMs, against a daily card spend of EUR 7,700 and a combined daily ceiling of EUR 8,000. The balance cap is EUR 8,000. Checking a balance at an ATM costs EUR 0.35 and changing a PIN EUR 0.40.

Is the Trastra card safe?

The corporate structure is legitimate and the safeguards are real: a licensed issuer, a segregated account, 3-D Secure, two-factor authentication, device authorisation. What is not reassuring is the service record. Trustpilot shows 2.0 from 5 across 747 reviews, with reports through 2025 of blocked funds, denied withdrawals, copy-paste support replies and a maintenance window when the balance was unreachable. Treat the balance as money that might be locked for a while.

Is the Trastra card worth it?

For a resident of one of the 31 listed countries who holds crypto and spends in euros, the mechanics are sound and the euro IBAN is genuinely useful, so the answer can be yes. Set against EUR 15.00 a year, EUR 9.00 to order and 3% off-euro, though, Lava at 7.1 or the Based card at 6.9 are stronger products on published numbers. What decides it for me is not the fees but the unanswered questions: start with an amount you could afford to see frozen.

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