CoinsOnCards

    Issued by Quicko sp. z o.o. — National Payment Institution KNF IP52/2021 under supervision of Polish Financial Supervision Authority

    Mobilum Pay CardReview

    Custodial Mastercard prepaid debit card for spending crypto and fiat in multiple currencies.

    2.0· Updated: Send feature for internal transfers via phone number or Mobilum ID
    Visit issuer
    Cashback
    Up to 0.00%
    Custody
    custodial
    KYC
    full
    Networks
    —
    Monthly fee
    $1
    Available in
    —

    The verdict

    Best for: International users needing multi-currency (EUR, USD, PLN) spending without staking requirements.

    Skip if: You want cashback rewards or want to avoid per-transaction fees (€0.25).

    • Charges a €0.25 per-transaction fee and a 2.5% FX fee.
    • Supports Apple Pay and Google Pay with one-tap integration.
    Get the Mobilum Pay Card

    How it works

    • * **Card Network**: Mastercard
    • * **Card Type**: Prepaid Debit (Virtual & Physical)
    • * **Mobile Wallets**: Apple Pay and Google Pay with one-tap integration.
    • * **Multi-Currency**: Supports dedicated balances and cards for EUR, USD, and PLN.
    • * **Global Acceptance**: Usable at all Mastercard locations worldwide.
    • * **Internal Transfers**: The 'Send' feature allows instant, free transfers to other Mobilum users via phone number or Mobilum ID.
    • * **Balance Management**: The 'Swap' feature allows users to move funds between their currency balances.
    • * **Loans**: An in-app feature offers an instant balance boost via a loan.

    Funding: Crypto · Fiat · Credit/Debit Card · Third-party/Open Banking

    Fees

    BankingSupports multiple fiat balance currencies (EUR, USD, PLN) with dedicated accounts/cards

    Borrowing terms

    Instant balance boost with a loan directly to your account (available in app)

    Credit card version announced as 'coming soon'. Mobilum now marketing wallet as having 'multi-currency debit and credit cards' but currently only prepaid debit option is available.

    Custody & risk

    • If the issuer disappears
      If the provider ceases operations, users may lose access to their assets. No explicit cardholder fund insurance is mentioned.
    • Counterparty risk
      Custodial model where Mobilum holds and manages all user funds. If provider ceases operations, users lose access to their assets.
    • Regulatory risk
      Service subject to compliance with local regulations and sanctions. Mobilum reserves the right to restrict service in any jurisdiction due to regulatory changes or compliance requirements.
    • Market risk
      Mixed user reviews on platforms like Trustpilot (2.5/5 score) with complaints about slow/unresponsive customer support, difficulties withdrawing funds, account freezes during re-verification, and technical issues with card declines.

    Mobilum operates a custodial platform where it holds and manages all private keys and user funds. Users interact with their funds via the Mobilum app, and crypto must be loaded into the custodial wallet before spending.

    Protections

    • Encryption
    • Multi-factor authentication (2FA)
    • PIN or biometrics for app access
    • 3-D Secure for online transactions
    • Freeze/unfreeze functionality
    • Tokenization via Apple Pay/Google Pay

    Insurance & coverage: No explicit cardholder fund insurance mentioned

    Limits

    notes
    Users can set and change card limits in the app/Customer Panel. No stated restrictions on number of transactions.
    atm daily
    Not publicly specified
    daily spending
    No explicit daily spending cap advertised beyond card balance

    The good

    • Accepted on the global Mastercard-network.
    • Supports Apple Pay and Google Pay integration.

    The catches

    • €0.25 per-transaction fee on every purchase.
    • 2.5% foreign exchange fee on non-base currencies.
    • Physical card delivery costs €3 to €40.

    Limitations

    • majorCustodial model with Mobilum managing user funds
    • majorUK residents cannot use Mobilum despite UK not being explicitly listed as restricted (due to Brexit and need for UK FCA authorization)
    • moderatePer-transaction fee on all purchases (€0.25/transaction)
    • moderateNo cashback or rewards program
    • moderate2.5% foreign exchange fee for non-base currency transactions
    • moderateMixed user reviews regarding customer support and withdrawals
    • minorPhysical card delivery fees apply (€3–40 depending on shipping method)

    What users say

    App Store
    4.3/5.0 (6 ratings)
    Google Play
    2.8/5.0 (115 ratings)
    Trustpilot
    2.4/5.0 (7 ratings)

    Mixed reviews - positive feedback on global acceptance and functionality, common complaints about slow customer support, withdrawal difficulties, and account freezes

    Rating breakdown

    Net reward
    0.0
    Custody risk
    2.0
    Availability
    1.5
    User experience
    2.8
    Features & convenience
    4.0

    See our methodology for how we score each axis.