69 Best Crypto Cards in Bulgaria 2026

What to Know Before Using Crypto Cards in Bulgaria

Tax

Every Spend Is a Tax Event

Bulgaria treats every card purchase as a disposal of a financial asset. You must calculate the gain or loss for every single transaction, even for small items like a coffee.

Tax

Flat 10% Personal Income Tax

Realized gains from crypto spending are taxed at a simple flat rate of 10% for individuals, with no lower rate for long-term holding.

Banking

Full Euro Transition Completed

As of January 2026, Bulgaria has fully adopted the Euro, meaning old BGN payment rails like RINGS and BISERA6 are discontinued in favor of SEPA and EUR-native flows.

Banking

High Risk of Bank De-risking

Bulgarian banks frequently restrict or close accounts associated with crypto activity without specific allegations of wrongdoing, making reliable on-ramping difficult.

Restriction

Nexo Unavailable Locally

Despite being founded by Bulgarians, Nexo does not offer its services or card products to residents of Bulgaria.

Regulation

MiCA Transition Period Active

Crypto providers registered before 2025 can operate under temporary rules until July 2026, after which full EU MiCA licensing is mandatory.

Common Questions About Crypto Cards in Bulgaria

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

Yes. In the eyes of the Bulgarian tax authorities, using crypto to buy something is the same as selling it for cash. You are required to track the profit or loss on every transaction and report it in your annual tax return.

2 Can I still use Bulgarian Lev (BGN) to top up my card?

No. Since Bulgaria adopted the Euro on January 1, 2026, local banks and crypto platforms have migrated to EUR. You should ensure your card provider has updated your account to Euro to avoid failed transfers or high conversion fees.

3 Why did my Bulgarian bank block my transfer to a crypto exchange?

Bulgarian banks are known for 'de-risking,' which means they often block transfers to crypto companies to avoid potential compliance issues. It is common for banks to freeze accounts or reject these payments even if the source of your money is legal.

4 Is there a minimum amount I can spend before I have to worry about taxes?

No. Bulgaria does not have a 'small transaction' exemption. Even if the gain on a small purchase is only a few cents, it is technically taxable and must be recorded for your yearly filing.

5 Can I use the Nexo card since the company is from Bulgaria?

Surprisingly, no. Nexo lists Bulgaria as a restricted jurisdiction. Even though the company has Bulgarian roots, they do not currently provide their card or lending products to people living in Bulgaria.

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 Bulgaria

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.