I’ve noticed that more and more Ukrainians are becoming interested in crypto cards—honestly, it’s a logical question. When you hold crypto, you want to spend it in real life, not just trade it on an exchange. The idea is simple: a crypto card converts your digital crypto-assets into fiat currency right at the moment of payment. It sounds complicated, but it works in a basic way—scan the card, the system exchanges crypto for euros or dollars, and that’s it. The items are bought with Bitcoin, but the seller receives regular money.

In Ukraine, crypto cards are no longer something exotic. I looked at a few options and want to share my observations. The first candidate is Trustee Plus. This is a virtual crypto card developed in Ukraine, built into the same-named wallet. Why is it popular? First, it’s simply a virtual card—you don’t need to carry plastic. Second, the limits are quite solid: up to 15,000 euros in top-ups per day and 5,000 euros for payments. If you need cash, you can withdraw up to 2,000 euros per day from an ATM.

As for fees: crypto top-ups are free, payments in euros have no commission, but converting crypto-currencies takes 0.5%. They charge 10 euros for issuing the card, and ATM withdrawals cost 1 euro plus 1%. The card supports USDT, BTC, and ETH, which are instantly exchanged into euros. A plastic version is expected to be released. Drawbacks include the fact that some American services require a billing address, which may be a problem. Users note that the Ukraine crypto card in the form of Trustee is especially convenient for European trips—payments are instant, and online delivery works without issues.

The second option is CardB Card. This is another level: a virtual card from a fintech startup, available in Ukraine. The currency is USD or KZT. You can issue up to 5 cards per account, and it supports Apple Pay and Samsung Pay. They promise to release credit and plastic versions. But here the fee structure is different: monthly service up to 0.99 USD depending on the plan, and top-ups cost 0.99 USD plus 1% of the amount. On the maximum plan, the limits are 5,000 USD per card and 15,000 USD per account per month. The card’s validity is 3 years.

Today, a crypto card in Ukraine isn’t rare—it’s a trend. People who earn income in crypto can finally spend it conveniently, without extra hassle involving withdrawals and exchanges. The limits here are higher than in typical Ukrainian banks, which is also appealing. Both options are interesting—each for its own needs. Trustee Plus is simpler and easier to understand; CardB is more feature-rich. Which one you’ll choose depends on your habits.