CoinsOnCards

    Issued by Unlimit Ltd. — EMI license 115.1.3.7/2018, Central Bank of Cyprus

    Simple.app CardReview

    Hybrid Mastercard debit card with a custodial EUR version for the EEA and a non-custodial USDC version for global users.

    3.5
    Visit issuer
    Cashback
    —
    Custody
    hybrid
    KYC
    full
    Networks
    —
    Monthly fee
    Free
    Available in
    —

    The verdict

    Best for: EEA users needing a EUR IBAN, or global users wanting a non-custodial USDC card.

    Skip if: You frequently make non-EEA purchases and want to avoid the 2.5% international fee.

    • Offers a non-custodial USDC card option for global users.
    • Charges a 2.5% fee on all international (non-EEA) transactions.
    Get the Simple.app Card

    How it works

    • ### Card Variants
    • * **Custodial Simplecard**: EUR-denominated card for EEA residents only. Includes an integrated personal Euro IBAN account with SEPA capabilities.
    • * **USDC Simplecard**: Self-custodial USDC-denominated card with global availability, including the US, UK, and Switzerland.
    • ### General Features
    • * **Network**: Mastercard
    • * **Card Type**: Virtual prepaid debit (physical card announced as 'coming soon').
    • * **Supported Crypto**: Spend from 24 cryptocurrencies including BTC, ETH, and SOL.
    • * **Mobile Wallets**: Supports Apple Pay and Google Pay.
    • * **Spending Limits**: High limits of €15,000 daily and €30,000 monthly.
    • * **Withdrawals**: The USDC card supports crypto-in/crypto-out withdrawals back to a self-custody wallet.

    Funding: Crypto (24 supported cryptocurrencies) · Custody wallet · Self-custody wallet (USDC Simplecard)

    Fees

    BankingSEPA: true · IBAN: true · Personal Euro IBAN account included at no cost for SEPA transfers (Custodial Simplecard only). USDC Simplecard does not include integrated IBAN account.

    Custody & risk

    • If the issuer disappears
      For the custodial variant, customer funds are held as e-money in segregated accounts by Unlimit Ltd., separate from operational funds. However, these funds are not covered by a deposit guarantee scheme.
    • Counterparty risk
      E-money account not protected by deposit guarantee schemes
    • Counterparty risk
      Custodial model risk for EUR variant

    The Custodial Simplecard operates as a traditional crypto card where funds are managed by the provider. The USDC Simplecard is explicitly non-custodial, allowing users to connect their own wallet and maintain control over their private keys. This version also supports withdrawing funds back to a user's wallet in cryptocurrency.

    Protections

    • SSL Encryption
    • DDoS Protection (Cloudflare)
    • Password hashing
    • Two-Factor Authentication (mandatory for logins and withdrawals)
    • Cold Storage with multi-signature wallets
    • Device encryption
    • Cryptographic signing
    • Regular security audits
    • PCI DSS Compliance

    Limits

    atm daily
    €1,000
    atm monthly
    €4,000
    daily spending
    €15,000
    per transaction
    €15,000
    monthly spending
    €30,000

    The good

    • No monthly or issuance fees
    • Non-custodial option for global users
    • High €15,000 daily transaction limit
    • 12% APR interest on USDC deposits
    • Supports Apple Pay and Google Pay
    • Crypto-in/crypto-out for USDC card

    The catches

    • 2.5% fee on international transactions

    Limitations

    • majorCustodial EUR card exclusively available to European Economic Area residents
    • moderate2.5% fee on international (non-EEA) transactions
    • moderatePhysical cards not yet available (announced as 'coming soon')
    • moderateE-money account not covered by deposit guarantee schemes (Custodial variant)
    • minorLimited to EUR as the only fiat currency (Custodial variant)
    • minorNo integrated IBAN account or SEPA banking (USDC Simplecard)
    • minorExact cashback percentage and cap not publicly disclosed

    What users say

    App Store
    4.8/5
    Google Play
    4.3/5 (7,000+ reviews)
    Trustpilot
    4.3/5.0 (7,261 ratings)

    Positive reception of clean UI and instant virtual card availability

    Rating breakdown

    Net reward
    1.3
    Custody risk
    5.0
    Availability
    3.5
    User experience
    4.3
    Features & convenience
    3.0

    See our methodology for how we score each axis.