What changed in 2026<\/h2>\r\n\r\n\r\n\r\n
The biggest changes concern the cards themselves: WhiteBIT reissued cards for users with a verified Ukrainian address; Trustee launched a new programme after its old one ended; and Bybit announced cashback changes effective 5 October. RedotPay added Ukraine to the list of countries whose residents cannot get new cards. Find out whether you can apply before comparing reward percentages.<\/p>\r\n\r\n\r\n\r\n
The EU’s MiCA framework sets rules for cryptoassets and crypto service providers. Separately, DAC8<\/a> requires relevant providers to collect information on reportable crypto transactions by EU tax residents from 2026; the first reporting for 2026 is due in 2027. A Visa or Mastercard logo does not make payments anonymous. We explain the data-sharing rules in more detail below.<\/p>\r\n\r\n\r\n\r\n Ukraine also participates in the exchange of information on certain financial accounts under the Common Reporting Standard (CRS). Updated CRS 2.0 rules have applied since July 2026<\/a> to institutions subject to those reporting requirements. That does not mean the tax authority sees every card purchase as it happens.<\/strong> The information that may be shared depends on the institution, the type of account and your tax residence.<\/p>\r\n\r\n\r\n\r\n Ukraine appears on WhiteBIT N\u00f3va’s list of supported countries<\/a>. Issuing a virtual card is free; you order a physical card separately and pay for delivery. The Visa card is issued by Estonia’s Wallester AS. Applicants need the appropriate level of WhiteBIT identity verification, and users with a verified Ukrainian address went through a card reissue in 2026. Apple Pay and Google Pay are supported; you need a physical card for ordinary ATM withdrawals.<\/p>\r\n\r\n\r\n\r\n Spending Power shows how much you can spend after selected assets are converted. You can set the order in which assets such as WBT, BTC and USDC are used, then see the amount in euros; not every asset in your overall balance can be spent directly with the card. The final cost depends on the conversion rate and the purchase currency.<\/strong> In GNcrypto’s December 2025 test<\/a>, 12 purchases totalling \u20ac487 and a \u20ac100 cash withdrawal over 14 days produced a measured spread of 0.89\u20130.98%. KYC took 2 hours and 15 minutes in that test. Those are observed results, not a promised rate or approval time for every user.<\/p>\r\n\r\n\r\n\r\n WhiteBIT advertises up to 10% cashback in BTC or WBT for selected categories. You can select three active categories<\/strong>, but a merchant must have an eligible MCC code. According to the WhiteBIT help centre<\/a>, monthly cashback is capped at \u20ac25. The card page<\/a> and help centre give different figures for how often categories can be changed and the minimum payout, so check both settings in the app. In GNcrypto’s test, the 12 purchases mentioned above earned \u20ac2.42. The advertised \u201cup to 10%\u201d does not apply to every purchase.<\/p>\r\n\r\n\r\n\r\n Under the published fee schedule<\/a>, there is no monthly fee, but transaction fees of up to 1% may apply. Cash withdrawals cost \u20ac3 in the European Economic Area (EEA: the EU countries plus Iceland, Liechtenstein and Norway) and \u20ac3 + 2.2% elsewhere; the ATM operator may add its own charge. The daily spending limit is \u20ac10,000 and the monthly limit is \u20ac25,000. For the physical card, cash withdrawals are limited to \u20ac1,000 a day and \u20ac3,000 a month. These figures are more useful than assuming the spread will always be below 1%.<\/p>\r\n\r\n\r\n\r\n Bybit Card’s rewards may be attractive, but having a Bybit account does not mean you can get a card with a Ukrainian address<\/strong>. The application<\/a> first asks for your country of residence. If that country is unsupported, Bybit merely records your interest in a future launch. If the card is available to you, the rewards tiers<\/a> show 2% for Base and up to 10% at higher tiers. Base rewards are capped at 5 USDT per month<\/strong>; the 50 USDT cap applies to Beta, which has additional eligibility requirements. Not every purchase earns points, and the rules vary by card-issuing region.<\/p>\r\n\r\n\r\n\r\n According to Bybit’s fee schedule<\/a>, converting crypto for card payments can cost 0.9% on top of the sell rate. The Kazakhstan (AIFC) card also carries a 2% international transaction fee<\/strong> for purchases outside Kazakhstan, even if they are made in US dollars. So \u201c2% cashback minus 0.9% conversion = guaranteed savings\u201d does not hold for a purchase in Ukraine. You can find your card’s daily limit in its dashboard. There is currently no issuance fee for a virtual Bybit Card; the cost of a physical card depends on the regional programme.<\/p>\r\n\r\n\r\n\r\n Bybit offers 100% cashback on certain subscriptions, including ChatGPT Plus, Spotify and Netflix, subject to programme rules and your available monthly cap<\/strong>. From 5 October 2026, the rules will change<\/a>: eligible purchases must be funded with crypto to earn cashback, and Beta users who are not VIPs will lose the 100% subscription benefit. Selling USDT for fiat through P2P first can avoid a separate conversion at checkout, but that payment route will not qualify for cashback under the new rules. Apple Pay and Google Pay support also varies: Bybit’s current FAQ<\/a> lists both for AIFC but only Google Pay for Asia Pacific. Check the terms of your own card.<\/p>\r\n\r\n\r\n\r\n Ukraine appears on the Simplecard supported-country list<\/a>. You can apply for the virtual USDC card after KYC and proof-of-address checks; a physical card is still described as a future offering in Simple’s instructions<\/a>. The card supports Apple Pay and Google Pay. Its funding guide<\/a> lists USDT and USDC on different networks, including Tron for USDT and Base for USDC. Check the network before sending: the supported networks differ between the two stablecoins.<\/p>\r\n\r\n\r\n\r\n Simple’s help centre<\/a> lists a monthly purchase limit of 30,000 USDC and cash withdrawal limits of 500 USDC per day and 5,000 USDC per month. Yet only a virtual card can currently be ordered<\/a>; published withdrawal limits alone do not establish that you can withdraw cash from an ATM. Simple says issuance is free. It has also announced 5% annual yield on a USDC card balance<\/strong>, but we could not find public terms for how it is earned. Do not treat it as guaranteed income: check the rate, source of yield, restrictions and withdrawal options in the app first. Even without a separate fee, the exchange rate affects the cost of a purchase.<\/p>\r\n\r\n\r\n\r\n Trustee Plus suspended new registrations in Ukraine on 22 May 2025, according to the company<\/a>. Separately, Ukraine’s central bank prohibited Trustee Global UAB<\/a> from providing specific payment services in Ukraine through the app’s P2P feature and euro transfers. The decision concerns those services; it is not a blanket ban on all Trustee cards or crypto transactions. If you already use the service in the EU, check which card programme is available in your account. New applicants with a Ukrainian address should not assume approval.<\/p>\r\n\r\n\r\n\r\n The old Quicko Digital cards stopped working in early February 2026<\/a>. Do not confuse them with the updated USDC card Trustee launched in beta<\/a>. The new card has a separate balance and supports Apple Pay and Google Pay, but cash withdrawals and PIN transactions are not yet available. The image above shows the previous programme’s card design; it does not confirm a physical version of the new USDC card. Under the published fees<\/a>, issuing the new card costs $10, USDC funding costs 0.5%, and merchant payments have a 0% stated fee. Also check the USD\/UAH rate for hryvnia purchases. See your app for balance and spending limits.<\/p>\r\n\r\n\r\n\r\n RedotPay is currently unavailable to residents of Ukraine: its card issuance restrictions<\/a> list Ukraine for both virtual and physical cards. The following fees may be useful if you lawfully live in a supported country or already hold an eligible card. The provider’s help centre<\/a> lists a $10 virtual card and a $100 physical card that can be used for cash withdrawals. When spending stablecoins, consider the full cost: RedotPay lists<\/a> 1% for crypto conversion, 1.2% for a transaction in another currency and 2% for cash withdrawals within the USD card’s threshold. The ATM may charge extra.<\/p>\r\n\r\n\r\n\r\n If an eligible USD cardholder withdraws the equivalent of $200 in another currency and all three rates apply\u20141% + 1.2% + 2%\u2014the fees total $8.40, or 4.2%. This excludes the payment network’s exchange rate, any ATM operator charge and the higher withdrawal rate above the monthly threshold. RedotPay Pro<\/a> costs $12.90 a month or $129 a year. It offers 3% cashback on eligible Apple Pay or Google Pay purchases, capped at 18 USDs per month. USDs can be spent on later card purchases but cannot be withdrawn as cash or transferred, and rewards expire after 30 days. Check the spending limits in your account.<\/p>\r\n\r\n\r\n\r\n Wirex Card may appeal to Ukrainians living in a supported European country who want to pay by card or withdraw cash. Cryptoback rates<\/a> depend on the Standard, Premium or Elite plan and the WXT tier; they can reach 8%. Premium and Elite cost \u20ac9.99 and \u20ac29.99 a month, respectively. But platform availability does not guarantee card availability: Wirex’s country table<\/a> shows an account and some features for Ukraine, while the Card column says N\/A. Do not assume that Wirex Card terms apply to a Trustee card simply because the providers use shared infrastructure.<\/p>\r\n\r\n\r\n\r\n The former Binance Card programme for the EEA closed in 2023. The EEA includes countries beyond the EU, so calling it simply an \u201cEU card\u201d would be inaccurate. Binance launched a separate card for Brazilian residents<\/a> in 2025; it did not restore the European or Ukrainian programme. Changes to Binance’s fiat channels are a separate issue: the end of Bifinity’s services<\/a> affected certain deposit and withdrawal methods, and Fiat Trade UAH closed in September 2026<\/a>. That does not mean every way to sell crypto for hryvnia has disappeared. See our guide to withdrawing crypto to a bank card<\/a> for available routes.<\/p>\r\n\r\n\r\n\r\n If you have moved abroad, consider your actual country of residence, KYC address and tax residence, as well as your citizenship. The products below may be available in particular countries. A Ukrainian passport alone does not make you eligible for an EEA card programme.<\/p>\r\n\r\n\r\n\r\n Ledger’s CL Card<\/a> is provided by Baanx and can be funded through Ledger Wallet. Ledger lists a free virtual card, Apple Pay and Google Pay, and 1% cashback in a cryptocurrency available in your region. The programme is advertised for the EEA, the UK, the US, Canada, Switzerland, Brazil, Mexico and Colombia, but not Ukraine. Supported funding assets include BTC, ETH, SOL and selected stablecoins.<\/p>\r\n\r\n\r\n\r\n Once you transfer assets to a card account, you no longer control them in the same way as funds at an address held in your own hardware wallet. Funding the card changes how your assets are held. Check Baanx fees for your country and funding method; a single purchase fee that applies in every country has not been established here.<\/p>\r\n\r\n\r\n\r\n Nexo offers two modes. Debit Mode uses your assets for purchases, while Credit Mode lets you borrow against crypto collateral without immediately selling it. Nexo advertises<\/a> up to 2% cashback on eligible purchases in Credit Mode, Apple Pay, and up to \u20ac2,000 of fee-free ATM withdrawals a month at a high loyalty tier. Credit line interest may start at 1.9% annually, depending on your tier and terms; yield on your balance is not a card payment reward. Check your app to see whether you can order a physical card. Before using Credit Mode, assess borrowing costs and the risk that your collateral falls in value.<\/p>\r\n\r\n\r\n\r\n Gate runs several card programmes, so the Visa design in the image should not be taken as a depiction of the Mastercard Midnight offering<\/strong>. The Gate Card page for the EEA<\/a> describes a virtual Mastercard Midnight, Apple Pay, Google Pay and mandatory KYC. Separate Classic and Platinum fee schedules<\/a> list 0.9% for crypto conversion and 0.4% for non-USD payments, but those rates cannot be assumed for Midnight or Signature. Gate’s updated points programme<\/a> offers up to 8% on eligible purchases at certain tiers. Check Midnight’s actual terms and eligibility for your country when applying.<\/p>\r\n\r\n\r\n\r\n Tria may suit people planning large purchases who are willing to examine the annual cost of their tier. Under its cashback terms effective from June 2026<\/a>, the virtual card pays 1.5% on the first $100 of eligible monthly spending, Signature pays 4.5% on the first $1,000, and Premium pays 6% on the first $2,000. Above those thresholds, rates drop to 0.5% or 1%, depending on the tier. A large single purchase therefore does not earn 6% on its full value. Cashback is paid in supported stablecoins under the programme rules; a possible airdrop is not guaranteed to cover the card’s cost.<\/p>\r\n\r\n\r\n\r\n Tria charges for the card before KYC is complete,<\/strong> according to its application guide<\/a>. Your document, country of residence and address must meet the programme’s requirements. Physical cards ship in batches, and delivery depends on the destination. Before paying for membership, ask whether your document and address qualify and what the refund terms are. For a $5,000 or $10,000 purchase, check the per-transaction limit. Even if an eligible $17,800 purchase goes through with the Premium monthly threshold unused, cashback is not 6% of the entire amount: $120 on the first $2,000 plus $158 on the remaining $15,800, for a total of $278<\/strong>.<\/p>\r\n\r\n\r\n\r\nHow we compare crypto cards<\/h2>\r\n\r\n\r\n\r\n
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Crypto cards you can apply for in Ukraine<\/h2>\r\n\r\n\r\n\r\n
WhiteBIT N\u00f3va: everyday spending and Apple Pay<\/h3>\r\n\r\n\r\n
![\"WhiteBIT](\"https:\/\/lwallet.com.ua\/wp-content\/uploads\/2026\/09\/blog-top-crypto-cards-30-09-2026-content-pic2-1024x573.jpg\" "\\"\\"")
<\/figure>\r\n<\/div>\r\n\r\n\r\nBybit Card: rewards depend on the regional programme<\/h3>\r\n\r\n\r\n
![\"White](\"https:\/\/lwallet.com.ua\/wp-content\/uploads\/2026\/09\/blog-top-crypto-cards-30-09-2026-content-pic3-1024x573.jpg\" "\\"\\"")
<\/figure>\r\n<\/div>\r\n\r\n\r\nSimple: the virtual USDC Simplecard<\/h3>\r\n\r\n\r\n
![\"Black](\"https:\/\/lwallet.com.ua\/wp-content\/uploads\/2026\/09\/blog-top-crypto-cards-30-09-2026-content-pic4-1024x573.jpg\" "\\"\\"")
<\/figure>\r\n<\/div>\r\n\r\n\r\nTrustee Plus: a new USDC card and registration limits<\/h3>\r\n\r\n\r\n
![\"Black](\"https:\/\/lwallet.com.ua\/wp-content\/uploads\/2026\/09\/blog-top-crypto-cards-30-09-2026-content-pic5-1024x573.jpg\" "\\"\\"")
<\/figure>\r\n<\/div>\r\n\r\n\r\nCards with restrictions for Ukrainian residents<\/h2>\r\n\r\n\r\n\r\n
RedotPay: no new cards for Ukrainian residents<\/h3>\r\n\r\n\r\n
![\"Colourful](\"https:\/\/lwallet.com.ua\/wp-content\/uploads\/2026\/09\/blog-top-crypto-cards-30-09-2026-content-pic6-1024x573.jpg\" "\\"\\"")
<\/figure>\r\n<\/div>\r\n\r\n\r\nWirex Card: an account does not guarantee a card<\/h3>\r\n\r\n\r\n
![\"Black](\"https:\/\/lwallet.com.ua\/wp-content\/uploads\/2026\/09\/blog-top-crypto-cards-30-09-2026-content-pic7-1024x573.jpg\" "\\"\\"")
<\/figure>\r\n<\/div>\r\n\r\n\r\nBinance Card: the European programme has ended<\/h3>\r\n\r\n\r\n\r\n
If you live in Europe<\/h2>\r\n\r\n\r\n\r\n
CL Card for Ledger users<\/h3>\r\n\r\n\r\n
![\"Front](\"https:\/\/lwallet.com.ua\/wp-content\/uploads\/2026\/09\/blog-top-crypto-cards-30-09-2026-content-pic8-1024x573.jpg\" "\\"\\"")
<\/figure>\r\n<\/div>\r\n\r\n\r\nNexo Card<\/h3>\r\n\r\n\r\n
![\"Dark](\"https:\/\/lwallet.com.ua\/wp-content\/uploads\/2026\/09\/blog-top-crypto-cards-30-09-2026-content-pic9-1024x573.jpg\" "\\"\\"")
<\/figure>\r\n<\/div>\r\n\r\n\r\nGate Card<\/h3>\r\n\r\n\r\n
![\"Dark](\"https:\/\/lwallet.com.ua\/wp-content\/uploads\/2026\/09\/blog-top-crypto-cards-30-09-2026-content-pic10-1024x573.jpg\" "\\"\\"")
<\/figure>\r\n<\/div>\r\n\r\n\r\nTria<\/h3>\r\n\r\n\r\n
![\"Black](\"https:\/\/lwallet.com.ua\/wp-content\/uploads\/2026\/09\/blog-top-crypto-cards-30-09-2026-content-pic11-1024x573.jpg\" "\\"\\"")
<\/figure>\r\n<\/div>\r\n\r\n\r\nCard comparison by use case<\/h2>\r\n\r\n\r\n\r\n
![\"Comparison](\"https:\/\/lwallet.com.ua\/wp-content\/uploads\/2026\/09\/blog-top-crypto-cards-30-09-2026-content-pic12-1024x573.jpg\" "\\"\\"")
<\/figure>\r\n<\/div>\r\n\r\n\r\n