76 Best Crypto Cards in Austria 2026

What to Know Before Using Crypto Cards in Austria

Tax

Every Swipe Is a Tax Event

Spending crypto via a card is treated as a disposal, meaning you owe tax on any price gains at the moment of purchase.

Tax

27.5% Flat Tax on Gains

Most crypto acquired after February 2021 is taxed at a fixed 27.5% rate when spent or sold, regardless of how long you held it.

Regulation

Automatic Tax Withholding Varies

Only Austrian-based providers are required to automatically deduct tax; if your card issuer is foreign, you must self-report all transactions.

Heads Up

No Small Purchase Exemption

Austria does not offer a tax-free threshold for small daily purchases like coffee, making transaction tracking essential for card users.

Banking

Bank Transfers Often Blocked

Local banks frequently flag or block transfers to crypto exchanges for manual review, which can delay card top-ups.

Banking

Mandatory Instant SEPA Incoming

Austrian banks must be able to receive instant payments as of January 2025, with full sending capabilities required by October 2025.

Common Questions About Crypto Cards in Austria

1 Do I have to pay tax every time I use my crypto card in Austria?

Yes. In the eyes of Austrian tax authorities, using crypto to buy something is the same as selling it. If the value of your crypto increased between the time you bought it and the time you spent it, you owe a 27.5% tax on that profit.

2 Does my crypto card provider handle my Austrian taxes for me?

It depends on where the provider is located. If you use an Austrian company, they might automatically withhold the tax for you. However, most popular crypto cards are issued by foreign companies, meaning you are responsible for calculating and reporting the tax yourself.

3 Is there a difference if I spend 'old' crypto from before 2021?

Yes. Crypto bought on or before February 28, 2021, falls under older rules. These holdings may still benefit from a tax-free status if held for more than one year, unlike 'new' crypto which is taxed regardless of the holding period.

4 Why did my bank block my transfer to my crypto card app?

Austrian banks often use strict automated filters to prevent fraud. Because crypto is flagged as high-risk, your bank might pause the transfer until you call them to confirm you authorized the payment. Using 'eps-Überweisung' or SEPA Instant can sometimes help, but blocks are still common.

5 Are stablecoins like USDT taxed differently when spent?

No. Austria treats stablecoins the same as Bitcoin or Ethereum for tax purposes. Even if the price is stable, the act of swapping the token for Euros at the checkout is a taxable event that must be recorded.

Country-specific information last researched on February 13, 2026 . Regulations and policies can change — always verify with your card provider and local tax authority.

Top-Rated Cards in Austria

Top-Rated Card Details

Ether.Fi Cash Card

4.6⭐

Ether.fi Cash is a non-custodial Visa credit card for DeFi users seeking spending power without selling crypto.

Ready Card

4.6⭐

The Ready Metal Card is a premium self-custodial Mastercard debit card for spending crypto while retaining asset control. Crypto stays in your wallet until each payment, ensuring complete financial autonomy.

Kolo Card

4.1⭐

Kolo Card is a crypto debit card that lets users spend cryptocurrencies, including memecoins, at merchants worldwide that accept Visa or Mastercard. Designed for crypto enthusiasts, it features automatic real-time crypto-to-fiat conversion for everyday purchases.

PAYY Card

4⭐

PAYY Card is a crypto-enabled Visa credit card that lets users spend stablecoins (USDC) directly at merchants while maintaining privacy through zero-knowledge proofs on the Payy Network blockchain. The self-custodial model gives users full control of their funds via the PAYY Wallet app.

Gnosis Pay Card

4⭐

The Gnosis Pay Card is a self-custodial Visa debit card that connects directly to a Safe Smart Account on the Gnosis Chain blockchain. Users maintain complete control of their crypto assets while spending at any Visa-accepting merchant worldwide.

COCA Card

3.9⭐

COCA Card is a prepaid Mastercard offering high crypto cashback rewards and global spending flexibility. Issued via Wirex on the Mastercard network, it supports multiple stablecoins and requires pre-loading with funds converted to EUR.