75 Best Crypto Cards in Germany 2026

What to Know Before Using Crypto Cards in Germany

Tax

One-Year Tax-Free Holding Period

If you hold your cryptocurrency for more than one year before spending it, any gains you made are generally tax-free in Germany.

Tax

€1,000 Annual Profit Exemption

Gains from spending crypto held for less than a year are tax-exempt as long as your total annual profit from private sales stays below €1,000.

Regulation

Wallet-Specific FIFO Accounting

Tax authorities require you to calculate gains using First-In-First-Out (FIFO) logic, applied separately to each individual wallet or exchange account.

Banking

Bank Proof-of-Origin Requests

German banks frequently freeze transfers or ask for detailed documentation proving where your crypto funds came from to satisfy strict AML rules.

Restriction

Mandatory Travel Rule Data

Since late 2024, transfers to or from your card provider may require you to provide extra identity info about the sender or receiver before the transaction clears.

Heads Up

Card Statements as Tax Evidence

The Ministry of Finance explicitly accepts your crypto card statements as valid evidence for the value of your disposals when filing taxes.

Common Questions About Crypto Cards in Germany

1 Do I have to pay tax every time I buy a coffee with my crypto card?

Technically, every purchase is a 'disposal' that could trigger tax. However, if you held the crypto for over a year, the gain is tax-free. If you held it for less than a year, you only owe tax if your total gains for the year exceed €1,000.

2 Will my German bank block me from topping up a crypto card?

Most German banks allow SEPA transfers to crypto platforms, but they are very sensitive to money laundering risks. If you move large amounts, expect the bank to ask for 'proof of origin' documents, such as exchange trade histories or tax returns.

3 How does the 'Travel Rule' affect my card usage in Germany?

When you move crypto between your own wallet and your card provider, you may be asked to verify that you own the external wallet. For transfers to others, you'll need to provide their full name and details, or the transaction might be blocked.

4 What happens if I spend stablecoins like USDC or EURC?

Germany treats stablecoins the same as Bitcoin for tax purposes. While their value doesn't change much, any slight gain caused by currency fluctuations (like the USD getting stronger against the EUR) is still a taxable event if held for less than a year.

5 What records do I need to keep for the German tax office?

You should keep your monthly card statements and a log of when you originally bought the crypto you spent. Because Germany uses a 'wallet-by-wallet' rule, you need to show which specific wallet the funds came from to prove how long you held them.

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 Germany

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.