72 Best Crypto Cards in Netherlands 2026

What to Know Before Using Crypto Cards in Netherlands

Tax

Wealth Tax, Not Capital Gains

The Netherlands taxes crypto as part of your total wealth (Box 3) rather than taxing individual trades or card purchases.

Tax

January 1st Wealth Snapshot

Your tax bill is determined by the total value of your crypto holdings at exactly midnight on January 1st each year.

Tax

€59,357 Tax-Free Threshold

You only pay wealth tax if your total assets exceed this amount, which doubles if you have a fiscal partner.

Banking

Intense AML Banking Scrutiny

Dutch banks are highly sensitive to money laundering and frequently freeze or question transfers to and from crypto platforms.

Regulation

Professional Activity Reclassification

If your trading or card activity looks like a professional business, you may be taxed at much higher income rates (up to 49.5%).

Restriction

EU Travel Rule Friction

Since late 2024, you must provide extra identity info for transfers, and moving funds to private wallets requires ownership verification.

Common Questions About Crypto Cards in Netherlands

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

No. Unlike the US or UK, the Netherlands does not treat every purchase as a taxable sale. Instead, you just report the total value of your crypto once a year based on what you owned on January 1st.

2 Can I use iDEAL to top up my crypto card?

Yes, many platforms support iDEAL because it is the most popular payment method in the Netherlands. It is generally faster and more reliable than using a standard credit card for crypto-related transfers.

3 Will my Dutch bank account get blocked for using crypto?

There is no law against it, but Dutch banks are very strict about where money comes from. To avoid issues, keep clear records of your transactions and be prepared to answer questions if you move large sums of money.

4 Are stablecoins taxed differently than Bitcoin?

For most people, no. Stablecoins are treated as assets in your 'Box 3' wealth tax just like any other cryptocurrency. However, new EU rules (MiCA) are changing how these coins are regulated behind the scenes.

5 What happens if I hold my crypto for more than a year?

In the Netherlands, the holding period does not matter for tax purposes. There is no 'long-term capital gains' discount; you are simply taxed on the total value of your assets at the start of the year.

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 Netherlands

Top-Rated Card Details

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.