Take control of your money and Black Cat for luck.

BlackCatCard
E-wallet
Business
Savings
Personal
Debit card
Virtual Card
SWIFT
SEPA
IBAN
Crypto
Investing/Trading
Referral program
Mobile Apps

Blackcatcard is a mobile bank that provides a quick EU bank account as well as a Mastercard that is accepted globally. It offers some significant benefits over its competitors, including no sign-up fees and the ability to earn either 2.2% annual interest or 0.1% cash back on card purchases.

Services

  • Personal IBAN

  • Affiliate program

  • Cashback

  • SEPA

  • Loyalty program

  • Insurance

  • Multicurrency account

  • SWIFT

  • Card

  • Crypto

Details

Details
Founded:

2012

Has mobile app:

Yes

Has web version:

Yes

Has apple pay:

Yes

Has google pay:

Yes

Contacts:
Languages:

English

Emi type:

E-wallet, moneytransfer

Available in these countries:

GBP, EEA, CHE

Jurisdiction:

MLT

Licenses:

EMI

Main info

Main info
Has trading:

Yes

Has IBAN:

Yes

Has SEPA:

Yes

Has SWIFT:

Yes

Virtual card service fee:

0.00 EUR monthly, 5 free Interbank SEPA payments included (1 IBAN account + 1 card)
2.00 EUR monthly, 5 free Interbank SEPA payments included (1 IBAN account + 1 card + additional cards)

Electronic payment methods and fees:

Card to card, IBAN, SEPA, SWIFT

Main service fee text:

If you have one payment card or an account only: Free

If you have additional cards in any quantity: 2 EUR per month

Dormancy fee: If you have no transactions for over 6 calendar months; the fee is taken off for the whole period of inactivity (6 calendar months) with a single payment and then gets deducted monthly.

Account opening fee:

Free

Deposit fee:

Bitcoin (BTC) Network BTC: Free

Tether USD (USDT) Network BTC: Free

Ethereum (ETH) Network ETH: Free

Bitcoin Cash (BCH) Network BCH: Free

Ripple (XRP) Network XRP: Free

Litecoin (LTC) Network LTC: Free

Dash (DASH) Network DASH: Free

Withdrawal fee:

5 SEPA free, from 6 -0,20 EUR

Bitcoin Cash (BCH) Network BCH: 0.0005 BTC, Maximum amount 0.2 BTC

Tether USD (USDT) Network BTC: 15 USDT, Maximum amount 10000 USDT

Ethereum (ETH) Network ETH: 0.07 ETH, Maximum amount 2 ETH

Bitcoin Cash (BCH) Network BCH: 0.005 BCH, Maximum amount 3 BCH

Ripple (XRP) Network XRP: 0.5 XRP, Maximum amount 3000 XRP

Litecoin (LTC) Network LTC: 0.01 LTC, Maximum amount 20 LTC

Dash (DASH) Network DASH: 0.01 DASH, Maximum amount 10 DASH

P2P fee:

Free

Main currency:

EUR

Cashback:

5% at Google Play Market, 2% on Amazon or 0.1% on card purchases

2.2% annual rate on the account balance

0.1 % on all card purchases
The card purchases don’t include ATM withdrawals, money transfers and the integrated crypto service use. Bonuses are accrued monthly, based on the average monthly balance. Minimum monthly payout is 0.10 EUR

Bonus:

2.2% per annum under the conditions ( the minimum average monthly balance for bonus accrual is 300 EUR, the minimum card turnover per month is 200 EUR. The limit on the accrual of bonuses - on the amount of the average monthly balance over 100,000 EUR bonuses are not accrued. Bonuses are accrued monthly, based on the average monthly balance).

Referral program:

BlackCatCard will pay €35 to you and €45 to your friend if the conditions are met.

Card

Crypto

Money transfer

Business account

Merchant

Card
Has card:

Yes

Has virtual card:

Yes

Has multicurrency card:

No

More info:

Card issue: Free (Issue of the first card linked to the IBAN account)

Issue of one additional card linked to your account: 7 EUR

Issue of an additional card with any nickname other than the initials indicated on your main card: 12 EUR

Card delivery: Free

Card provider:

Mastercard

Virtual card pricing:

0 EUR

Virtual card service fee:

0.00 EUR monthly, 5 free Interbank SEPA payments included (1 IBAN account + 1 card)
2.00 EUR monthly, 5 free Interbank SEPA payments included (1 IBAN account + 1 card + additional cards)

ATM withdrawal fee:

Within the EU -1% of the amount, free of charge up to 200 EUR per month.
Outside the EU 1%, min 1.5 EUR.

Card limits:

Daily cash withdrawal limit: 5 000 EUR
Monthly cash withdrawal limit: 10 000 EUR

C2C:

Free

Crypto
Main info:

Minimum amount per transfer:
Bitcoin (BTC) 0,001 BTC
Ethereum (ETH) 0,1 ETH
Tether (USDT) 10 USDT Litecoin (LTC) 0,1 LTC
Bitcoin Cash (BCH) 0,01 BCH
Dash (DASH) 0,01 DASH
Ripple (XRP) 1 XRP

Maximum amount per transfer:
Bitcoin (BTC) 0,2 BTC
Ethereum (ETH) 2 ETH
Tether (USDT) 10 000 USDT
Litecoin (LTC) 20 LTC
Bitcoin Cash (BCH) 3 BCH
Dash (DASH) 10 DASH
Ripple (XRP) 3 000 XRP

Limits on buying / selling cryptocurrencies:

Daily € 2000
Monthly € 5000

Blockchain fee for external transfers:

Bitcoin (BTC) 0,0005 BTC
Ethereum (ETH) 0,07 ETH
Tether (USDT) 15 USDT
Litecoin (LTC) 0,01 LTC
Bitcoin Cash (BCH) 0,005 BCH
Dash (DASH) 0,01 DASH
Ripple (XRP) 0,5 XRP

Blockchain fee for internal transfers:

Bitcoin (BTC) 0 BTC
Ethereum (ETH) 0 ETH
Tether (USDT) 0 USDT
Litecoin (LTC) 0 LTC
Bitcoin Cash (BCH) 0 BCH
Dash (DASH) 0 DASH
Ripple (XRP) 0 XRP

Money transfer
Money transfer speed (days):

1

Business account
Business account has IBAN:

Yes

Business account has SEPA:

Yes

Business account has SWIFT:

Yes

Business account has business card:

Yes

Business account P2P fee:

Incoming payment fee (SEPA): Free
Legal entity registered in a country from the List 1 with VAT : 5 EUR
Legal entity registered in a country from the List 1 without VAT: 15 EUR
Legal entity registered in a country outside of the List 1 : 0.1 % (max. 15 EUR)
FinTech legal entities, including, but not limited to licensed financial institutions, crypto-based operators, etc. ‍

Outgoing payment fee (SEPA): 7 EUR
Legal entity registered in a country from the List 1 with VAT : 35 EUR
Legal entity registered in a country from the List 1 without VAT : 50 EUR
Legal entity registered in a country outside of the List 1: 100 EUR
FinTech legal entities, including, but not limited to licensed financial institutions, crypto-based operators, etc.

Outgoing payment fee (additional fee for transfers > 100 000 EUR): 25 EUR
Legal entity registered in a country from the List 1 with VAT: 0.1 % (max. 500 EUR)
Legal entity registered in a country from the List 1 without VAT : 0.15 %
Legal entity registered in a country outside of the List 1: 0.25 %
FinTech legal entities, including, but not limited to licensed financial institutions, crypto-based operators, etc. ‍ ‍

Contragent Bank request service fee: 50 EUR
Legal entity registered in a country from the List 1 with VAT : 100 EUR
Legal entity registered in a country from the List 1 without VAT: 125 EUR
Legal entity registered in a country outside of the List 1: 200 EUR
FinTech legal entities, including, but not limited to licensed financial institutions, crypto-based operators, etc.

Business account opening fee:

15.00 EUR (Legal entity registered in a country from the list 1 with VAT number 2)
500.00 EUR (Legal entity registered in a country from the list 1 without VAT number 2)
1,000.00 EUR (Legal entity registered in a country outside of the list 1 )
1,500.00 EUR (FinTech legal entities (including, but not limited to licensed financial institutions, crypto-based operators etc.3)

Corporate client activation fee:

15.00 EUR (Legal entity registered in a country from the list1 with VAT number2)
100.00 EUR (Legal entity registered in a country from the list1 without VAT number2)
150.00 EUR (Legal entity registered in a country outside of the list1)
250.00 EUR (FinTech legal entities (including, but not limited to licensed financial institutions, crypto-based operators etc.3)



IBAN account monthly fee:

25 EUR (Legal entity registered in a country from the List 1 with VAT )
50 EUR (Legal entity registered in a country from the List 1 without VAT)
100 EUR (Legal entity registered in a country outside of the List 1)
150 EUR ( FinTech legal entities, including, but not limited to licensed financial institutions, crypto-based operators, etc. )



1: Austria, Belgium, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Ireland , Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden.

2: VAT number of legal entity should be registered with open source data https://ec.europa.eu/taxation_customs/vies/ .

3: Not-listed licensed institutions to be analyzed on individual basis.

Business account withdrawal methods & fees:

Incoming payment fee (SEPA)
0.00 EUR (Legal entity registered in a country from the list1 with VAT number 2)
5.00 EUR (Legal entity registered in a country from the list1 without VAT number 2)
15.00 EUR (Legal entity registered in a country outside of the list 1)
0.1% max EUR 15.00 (FinTech legal entities (including, but not limited to licensed financial institutions, crypto-based operators etc.3)
Outgoing payment fee (SEPA)
7.00 EUR (Legal entity registered in a country from the list1 with VAT number 2)
35.00 EUR (Legal entity registered in a country from the list1 without VAT number 2)
50.00 EUR (Legal entity registered in a country outside of the list1)
100.00 EUR (FinTech legal entities (including, but not limited to licensed financial institutions, crypto-based operators etc.3)
Outgoing payment fee (additional fee for transfers over 100 000 €)
25.00 EUR (Legal entity registered in a country from the list1 with VAT number 2)
0,1% (max EUR 500.00) (Legal entity registered in a country from the list1 without VAT number 2)
0.15% (Legal entity registered in a country outside of the list1)
0.25% (FinTech legal entities (including, but not limited to licensed financial institutions, crypto-based operators etc.3)
Contragent Bank request service fee
50.00 EUR (Legal entity registered in a country from the list1 with VAT number 2)
100.00 EUR (Legal entity registered in a country from the list1 without VAT number2)
125.00 EUR (Legal entity registered in a country outside of the list1)
200.00 EUR (FinTech legal entities (including, but not limited to licensed financial institutions, crypto-based operators etc.3)
Payment cancellation
50.00 EUR (Legal entity registered in a country from the list1 with VAT number 2)
50.00 EUR (Legal entity registered in a country from the list1 without VAT number 2)
50.00 EUR (Legal entity registered in a country outside of the list1)
50.00 EUR (FinTech legal entities (including, but not limited to licensed financial institutions, crypto-based operators etc.3)

1: Austria, Belgium, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Ireland , Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden.

2: VAT number of legal entity should be registered with open source data https://ec.europa.eu/taxation_customs/vies/ .

3: Not-listed licensed institutions to be analyzed on individual basis.

Merchant
Accepting crypto payments:

Yes

User Reviews

Iryna Pcheniuk

my experience

My account was blocked 6 months ago and I still haven't received my money back

Jack

good

I am very satisfied with Blackcatcard's service. Their service and customer care is very efficient. I used to use Skrill before. But with Skrill I encountered several problems with the support team.

Tim

Reliable

Standard card delivery to Cyprus was 3 days. Surprisingly fast. free maintenance is perfect. great forr day-to-day use

Alex

‼️ S C A M ‼️ BE CAREFUL ‼️

This is SCAM! Using this app, I lost my money(((

Sergei

Thay are scammers

They blocked my money. Do not deal with them.

Abdullahi Tukur, I need a Virtual card

Mr.

All card I have been trying are rejected by Paypal, so I need a Virtual card that can be accepted by Paypal

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