Best Crypto Cards in the Netherlands 2026

In the Netherlands, spending crypto is tax-neutral. You do not trigger a capital gains event when you buy a coffee because the Belastingdienst only cares about your net worth on January 1st. The real challenge for Dutch crypto users isn't the taxman. It is the bank. Dutch banks like Rabobank and ABN AMRO are notoriously aggressive with AML (Anti-Money Laundering) checks, frequently flagging transfers to and from crypto exchanges.

This specific friction changes how you should evaluate the best crypto cards in the Netherlands. A card that offers high cashback is useless if your bank blocks the funding transfer. The most valuable cards in 2026 are the ones that solve the banking bridge (offering personal IBANs or seamless SEPA Instant integration) while letting you take advantage of the Box 3 tax system where spending doesn't create a paperwork nightmare.

For a full list of crypto cards available in Netherlands, see our Netherlands crypto cards page.

The five cards in this roundup represent a shift away from prepaid debit cards toward direct on-chain spending. Three of them allow you to spend from a self-custodial or hybrid wallet, meaning you retain control of your assets until the moment of purchase.

Here is how the data stacks up.

Comparison Table

The following table compares the specific tiers and features available to Dutch users right now.

Card	Tiers Compared	Cashback	Annual Fee	FX Fee	Staking
Ready Card	Lite Card, Metal Card	0.5-3% (STRK)	Free	0%	None
Kolo Card	Standard	2% (BTC)	Free	0%	None
PAYY Card	Virtual PAYY Card, Light-Up Physical Card	None	Free	1%	None
Gnosis Pay Card	Base Card, Tier 2, Tier 4	0-4% (GNO)	Free	0%	None to ~$13,000
COCA Card	Starter, Standard, Elite	1-8% (USD)	Free	0%	None to ~$30,000 COC

Ready Card Review: Self-Custody with STRK Rewards

Verdict: The best option for DeFi users who want high base rewards without locking up capital in staking.

The Ready Card (formerly associated with Argent) uses account abstraction technology to solve a major pain point. It allows you to keep funds in your own wallet until the exact second you pay. This is distinct from prepaid cards where you must deposit funds days in advance. For Dutch users, this model aligns perfectly with the Box 3 tax system, as you are simply holding assets until the moment of use without complex pre-loading events.

Fees and Staking

The fee structure is straightforward but varies significantly by tier. The Lite Card is free to maintain, while the Metal Card requires a 120 USDC annual fee paid upfront. There are no foreign exchange (FX) fees, which is excellent for Dutch travelers spending outside the Eurozone.

The standout feature is the lack of staking requirements. You earn 3% cashback on the Metal tier simply by holding the card. However, this cashback is paid in STRK tokens. This introduces volatility risk. If the price of STRK drops, your effective cashback rate drops with it.

Netherlands-Specific Considerations

The card is available for order in the EEA, including the Netherlands. Spending is currently limited to USDC and USDC.e. This means you must manage your own liquidity. If you hold ETH or BTC, you must swap to USDC before spending. While this adds a step, it prevents the card issuer from charging you hidden spread fees on the conversion.

Strengths and Weaknesses

The primary advantage is sovereignty. You use "session keys" to authorize the card to spend from your wallet within limits you set. This is safer than handing custody to a centralized exchange. The downside is the strict asset limitation. You cannot spend Bitcoin directly. You are also capped at $150/month in rewards, which limits the upside for high spenders.

Best for: DeFi natives who keep their working capital in USDC and want 3% returns without staking.

Kolo Card Review: Direct Memecoin Spending

Verdict: A high-risk, high-utility option for users who want to spend alternative assets like PEPE without swapping first.

Kolo Card takes a different approach by focusing on asset variety. It supports direct spending of over 10 cryptocurrencies, including memecoins like PEPE. This "Memepay" feature is unique in the market. Instead of swapping PEPE to USDC and then loading a card, Kolo handles the conversion at the point of sale.

Fees and Rewards

The card has a low barrier to entry with a $10 issuance fee and no monthly fees. The rewards program offers 2% cashback in BTC. Earning Bitcoin on spending is generally preferred over volatile altcoins, as it provides a more stable long-term store of value.

However, the regulatory status requires caution. Kolo operates under a "testing regulatory regime" with a pending FinTech Lab license. The terms allow them to reduce spending limits to $0 without notice. This makes it unsuitable as a primary financial tool for critical expenses.

Netherlands-Specific Considerations

Kolo is available in the Netherlands, but Dutch users should be aware of the "hybrid custody" model. You retain legal title, but funds sit in omnibus addresses. Given the strict supervision by the Dutch Central Bank (DNB) on crypto service providers since the MiCA transition ended in June 2025, using a card in a "testing" regime carries operational risk. If the provider faces regulatory headwinds, service could be interrupted.

Strengths and Weaknesses

The instant KYC (under 1 minute) and Telegram mini-app integration make this the fastest card to set up. The AI-based routing engine attempts to find the best swap rates across CEXs and DEXs. The weakness is stability. The dynamic spending limits and opaque cashback caps mean the product you use today might change tomorrow.

Best for: Crypto traders who want to spend profits directly from memecoins or altcoins without manual trading.

PAYY Card Review: Privacy and Zero-Knowledge Proofs

Verdict: The only choice for users who prioritize financial privacy over cashback rewards.

PAYY is built for privacy maximalists. It operates on its own "Payy Network" blockchain and uses zero-knowledge proofs to shield your transaction amounts and balances from public view. Most crypto cards leave a clear on-chain trail of your funding wallet. PAYY breaks that link, offering a digital cash experience.

Fees and Economics

This card offers zero cashback. If you are looking for returns on spending, look elsewhere. The value proposition is entirely focused on privacy and self-custody. There are no monthly fees or transaction fees for USD purchases, but non-USD transactions incur a 1% FX fee plus Visa network rates. For a Dutch user spending in Euros, this 1% fee is a direct cost on every purchase.

Netherlands-Specific Considerations

The 1% FX fee is a significant drawback for daily use in the Netherlands. Since the card is denominated in USDC/USD, every coffee and grocery run in Amsterdam triggers this conversion fee. Additionally, the physical card is contactless-only. While contactless is standard in the Netherlands (over 90% of terminals), the lack of a chip can be an issue at older unattended terminals like parking garages or train station kiosks.

Strengths and Weaknesses

The self-custody model is robust. Keys are generated locally on your device. However, this means there is no password reset. If you lose your recovery phrase, your funds are gone. The lack of rewards and the FX fee make it expensive for daily use, but for specific transactions where privacy is paramount, it has no competitor.

Best for: Users who value on-chain privacy enough to pay a 1% premium on Euro transactions.

Gnosis Pay Review: The Banking Replacement

Verdict: The most practical daily driver for Dutch residents due to its IBAN integration.

Gnosis Pay is the most technically impressive product for the European market. It connects a Visa card directly to a Gnosis Safe smart contract wallet. Crucially, it provides a personal IBAN. This allows you to receive salary or bank transfers directly into your self-custodial wallet arrangement.

Fees and Staking

The Base Card has no monthly fees but costs €30 to issue. Cashback is tiered based on holding GNO tokens.

• Base: 0% cashback (No staking)
• Tier 2: 2% cashback (Requires 1 GNO, approx. $150)
• Tier 4: 4% cashback (Requires 100 GNO, approx. $13,000)

The 4% cashback is attractive, but the 100 GNO requirement is steep. However, the 2% tier is highly accessible with just 1 GNO staked. Rewards are paid in GNO, which is the native gas token of the Gnosis Chain.

Netherlands-Specific Considerations

This card solves the Dutch banking problem. Because you get a dedicated IBAN, you can transfer Euros from your Rabobank or ING account via SEPA Instant directly to your Gnosis Pay account. This looks like a standard bank-to-bank transfer to compliance algorithms, reducing the risk of freezes compared to sending funds to a generic crypto exchange exchange.

Furthermore, spending EURe (a Euro stablecoin) means zero FX fees in the Netherlands. You spend Euros to buy goods priced in Euros.

Strengths and Weaknesses

The integration of a Safe wallet means you have true on-chain segregation of funds. If Gnosis Pay the company disappears, your funds remain in your Safe on the blockchain. The downside is the limited asset support (EURe, GBPe, USDCe). You must bridge funds to Gnosis Chain to use the card, which has a learning curve for beginners.

Best for: Dutch users who want to replace their bank account with a self-custodial on-chain alternative.

COCA Card Review: High Yields for Big Stakers

Verdict: The highest potential rewards rate, provided you accept the risks of the staking token.

COCA Card competes purely on numbers. It offers up to 8% cashback and 50% rebates on subscriptions like Netflix and Spotify. It uses Multi-Party Computation (MPC) security, which splits your private key between your device and their server. This eliminates the "single point of failure" of a written seed phrase while maintaining a non-custodial structure.

Fees and Staking

The rewards structure is aggressive but top-heavy:

• Starter: 1% cashback (No staking)
• Standard: 3% cashback (300 COC staked, ~$300)
• Elite: 8% cashback (30,000 COC staked, ~$30,000)

The 8% rate requires a massive ~$30,000 investment in the COC token. This is a high-risk position. If the COC token price drops by 10%, you have lost $3,000 in principal, which likely wipes out years of cashback earnings. The 3% tier is a more balanced entry point.

Netherlands-Specific Considerations

COCA supports EURC and EURS stablecoins, allowing for Euro-native spending without conversion fees. However, you must manually convert crypto to these stablecoins before spending. There is no auto-swap at the register. The €30,000 daily spending limit is significantly higher than most competitors, making it suitable for high-net-worth individuals in the Netherlands who need to make large purchases.

Strengths and Weaknesses

The "zero fee" promise holds up well, with no FX fees or monthly maintenance charges (unless inactive for 12 months). The MPC security is user-friendly. However, the wallet is effectively a walled garden. You cannot export your keys to another wallet app like MetaMask without breaking the card integration.

Best for: High-volume spenders willing to manage stablecoin liquidity to maximize cashback returns.

Category Winners

Best No-Staking Option: Ready Card

If you refuse to buy volatile exchange tokens just to get a card, Ready is the clear winner. The Metal tier offers 3% cashback without any staking requirement. While the $120 annual fee is an upfront cost, the break-even point is relatively low ($4,000 annual spend). You get self-custody and decent rewards without exposure to a token price crash.

Best Cashback Return: COCA Card (With Caveats)

Mathematically, 8% cashback is the highest number on this list. However, this is only "best" if you are bullish on the COC token or hedge the $30,000 stake. For a more moderate user, COCA's 3% tier (requiring ~$300 stake) or Gnosis Pay's 2% tier (requiring ~$150 stake) offer better risk-adjusted value.

Best for Netherlands Banking: Gnosis Pay

For a Dutch resident, Gnosis Pay offers the smoothest logistics. The personal IBAN allows for seamless SEPA transfers, bypassing the AML friction often encountered with other crypto platforms. Spending EURe means zero conversion fees and zero FX fees. It acts less like a "crypto card" and more like a blockchain-based Dutch bank account.

Best Overall Value: Gnosis Pay (Tier 2)

With a low entry cost of ~€150 (1 GNO) to unlock 2% rewards, zero fees on Euro spending, and the safety of a Gnosis Safe smart contract, this card strikes the best balance between risk, reward, and utility for the European market.

Final Verdict

The crypto card market in 2026 has split into two distinct directions: high-risk rewards and infrastructure utility.

If you are chasing yield, COCA offers the highest ceiling, but it demands you take a significant position in their native token. Ready Card offers a safer middle ground with 3% rewards and no staking, though you pay an upfront annual fee.

For the average Dutch user who simply wants to spend their crypto wealth efficiently, Gnosis Pay is the superior product. It respects the local banking reality by providing an IBAN, it respects your intelligence by using a real smart contract wallet, and it respects your wallet by eliminating FX fees on Euro spending.

As we move through 2026, watch for the impact of the PSD2 license requirements coming in March. Providers like Gnosis that are already deeply integrated with banking rails are likely to remain stable, while "testing regime" cards may face hurdles.

Frequently Asked Questions

Do I have to pay tax every time I buy a coffee with my crypto card in the Netherlands?
No. Unlike the US or UK, the Netherlands does not treat every purchase as a taxable capital gains event for personal investors. Instead, you report the total value of your crypto holdings once a year based on the January 1st reference date under the Box 3 wealth tax system.

Can I use iDEAL to top up these crypto cards?
Direct iDEAL top-ups depend on the specific provider's integration. However, cards like Gnosis Pay provide a personal IBAN. This allows you to transfer funds from your Dutch bank account using standard SEPA transfers, which are often instant and free, similar to the convenience of iDEAL.

Will my Dutch bank account get blocked for sending money to these cards?
Dutch banks are strict about AML compliance. Transfers to well-known, regulated entities (like those with IBANs or clear EMI registrations) are less likely to be flagged than transfers to obscure offshore exchanges. Using a card with a personal IBAN (like Gnosis Pay) can help, as the transfer appears as a movement to another account in your name.

What is the difference between self-custody and custodial cards?
With a custodial card (like traditional exchange cards), the company holds your money. If they go bankrupt, you may lose your funds. With self-custody cards (like Ready, Gnosis Pay, and PAYY), the funds remain in a wallet you control on the blockchain until the moment the transaction settles.

Are the cashback rewards guaranteed?
No. Cashback is often paid in volatile tokens (like STRK, GNO, or COC). If the value of that token drops significantly, your effective cashback rate decreases. Conversely, if the token price rises, your rewards increase in value. Only cards paying in stablecoins or Bitcoin offer predictable reward value.