76 Best Crypto Cards in Denmark 2026

What to Know Before Using Crypto Cards in Denmark

Tax

Every Spend Is a Tax Event

Using a crypto card triggers a taxable disposal where you must calculate gains or losses based on the market value at the time of purchase.

Tax

Asymmetric Tax on Gains vs Losses

Gains are taxed as personal income up to 53%, while losses are only deductible at a much lower rate of approximately 26%.

Regulation

Mandatory FIFO Across All Wallets

You must use the First-In-First-Out method for tax calculations, treating all your crypto holdings across different exchanges and wallets as a single pool.

Heads Up

No Simple Netting of Profits

You generally cannot offset losses from one transaction against gains from another; they must be reported separately in specific tax boxes.

Banking

DKK 500,000 Instant Transfer Cap

Domestic instant bank transfers used to fund cards are capped at 500,000 DKK per transaction, requiring multiple transfers for larger amounts.

Tax

Stablecoins May Be Financial Contracts

Some stablecoins are taxed as financial contracts rather than currency, which can change your tax rate and require year-end valuation reporting.

Banking

Major Bank Policy Shift

As of February 2026, Danske Bank has ended its long-standing ban on crypto-related exposure, signaling a more open banking environment.

Common Questions About Crypto Cards in Denmark

1 Do I have to report every coffee I buy with my crypto card?

Yes. Denmark has no minimum threshold for small transactions. Every time you use your card, it counts as a sale of crypto that must be tracked for your annual tax return.

2 How much tax will I actually pay on my crypto spending?

It depends on your total income, but gains on crypto are taxed as personal income which can reach 53%. Crucially, if you make a loss, you only get a tax credit of about 26%, meaning the tax system is weighted against you.

3 Can I use my Danish bank account to fund my crypto card?

Generally yes, and transfers are very fast. Most Danish banks allow transfers to regulated crypto providers, and you can send up to 500,000 DKK instantly at any time of day.

4 What happens if I lose money on a crypto transaction?

You cannot simply subtract your losses from your gains to find a 'net profit.' You must report gains in Box 20 and losses in Box 58 of your tax return, and they are treated at different percentage rates.

5 Is it true that stablecoins are taxed differently?

They can be. If the tax authorities view a specific stablecoin as a 'financial contract,' you might have to pay tax on its value at the end of every year, even if you haven't spent or sold it yet.

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 Denmark

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.