I've noticed that in Ukraine, crypto cards are becoming an increasingly popular tool for those working with cryptocurrencies. If it was once considered exotic, now it's the norm. Let's figure out what it actually is and how it works.

Visually, a crypto card looks like a regular bank card, but the essence is completely different. A regular card is linked to one fiat currency, while a crypto card in Ukraine allows you to use digital assets directly in everyday life. How? It's simple — when you pay with such a card, the system instantly converts crypto into fiat, and the store receives regular money. You pay with crypto, and the seller doesn't notice the difference.

Today, there are several interesting options. The first is Trustee Plus. It's a virtual card from a Ukrainian crypto wallet, and it's really convenient. No need to carry plastic — everything is on your phone. You can top up to 15,000 euros per day, pay in euros without commission, supports USDT, BTC, and ETH with instant exchange. The payment limit is 5,000 euros per day, and cash withdrawal is 2,000 euros. Crypto top-up is completely free. There are some downsides, but minor: registration costs 10 euros, conversion during payments is 0.5%, ATM withdrawal is 1 euro plus 1%. By the way, some American services don't work, and not all ATMs dispense cash. But overall, this is one of the most convenient crypto cards in the region, especially for traveling across Europe.

The second option is CardB Card from the fintech startup CardB. It offers USD and KZT, you can issue up to 5 cards per account, and it works with Apple Pay and Samsung Pay. A plastic version is expected to be released. But there are nuances: the validity period is only 3 years, a monthly maintenance fee up to 0.99 USD depending on the tariff, a top-up fee of 0.99 USD plus 1% of the amount. At the maximum tariff, limits are not very generous — 5,000 USD per card per month. The project is interesting but still less developed.

In general, crypto cards in Ukraine are now one of the most convenient features for crypto users. Instead of withdrawing money through an exchange and waiting for transfers, you can simply pay with crypto directly in stores. The limits offered by such cards are much higher than those in regular Ukrainian banks. If you receive income in crypto, it's a real salvation — no need to exchange or convert, just spend. Which option you choose is up to you. Write in the comments which crypto card you like more.