prepaid Card•

Blackcatcard

Name: Blackcatcard
Brand: Papaya Ltd.
Availability: InStock

by Papaya Ltd.

Blackcatcard is a prepaid Mastercard issued by Papaya Ltd (Malta). It combines a free EUR IBAN with integrated crypto custodial services. Users can choose between an up to 4% p.a. reward on their balance or receiving cashback on specific categories. The account is topped up with a top-up code or an incoming SEPA payment (both free), or by selling crypto from the integrated wallet (Blackcatcard help).

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BLACKCATCARD

Papaya Ltd.

Cashback

Up to 5%

Annual Fee

Free

FX Fee

Staking

None

Max Cashback

Paid in EUR

Annual Fee

Premium Perks

Available Regions

Unique Features

Mutually exclusive bonus system
Cashback Wheel promos

Pros

Free account and first physical card
Up to 4% p.a. reward on balance (default bonus program)
Choice of high cashback categories (e.g. 5% Google Play)
Crypto-friendly (integrated BTC, ETH and USDT wallet by partner Manerio UAB)
No monthly fee for standard usage

Cons

Bonus programs are mutually exclusive (must pick one)
High FX fee (3%) for non-EUR transactions
Dormancy fee (€15/month) is high
No Apple Pay or Google Pay support
Limited supported cryptocurrencies (BTC, ETH, USDT)

Integrations & Tech

IBAN Support

iOS App

Android App

Debit Mode

Credit Mode

IBAN: Personal Maltese IBAN (Euro) provided via Papaya Ltd. Available to non-residents.

AvailableExcludedUnknown

Available In (29)

AustriaBelgiumBulgariaCroatiaCyprusCzech Republic

Virtual Card

Available

Instant digital issuance.

Physical Card

Available

MaterialPlastic

IssuanceFree

ShippingFree

Replacement$7

Fee Structure

Annual FeeFree

Monthly FeeNone

FX Fee3%

Issuance FeeFree

Shipping FeeFree

Replacement Fee$7

Inactivity Fee$15

Crypto ConversionFree

Credit CheckNot Required

Top-Up FeeFree

ATM Capabilities

ATM Fee (Domestic)N/A

ATM Fee (Intl)N/A

Free Withdrawal Limit$200/monthly

Fee After Limit1%

Detailed Fee Structure

FX Fee3% (3% FX fee for non-EUR transactions)

3% FX fee for non-EUR transactions

ATM FeeFree up to 200/monthly, then 1%

200 free per monthly

Regional Variations

EU1%

non-EU1% (min €1.50)

EU ATMs: free up to €200/mo, then 1%. Non-EU: 1% (min €1.50) + 3% FX

Inactivity Fee€15.00 (€15/month after 6 months inactivity)

€15/month after 6 months inactivity

Detailed Limits

Spending Limits€2,000/day, €10,000/month

Daily

2,000 EUR

Monthly

10,000 EUR

Fee Details

First card issuance and monthly fee are free. Additional cards cost €7 to issue + €2/month maintenance. Dormancy fee of €15/month applies after 6 months inactivity. Non-EUR transactions incur a 3% FX fee. Card top-up 3% and card transfers 3%; SEPA transfers: 5 free per month, then EUR 0.20 each (pricing page https://blackcatcard.com/pricing). Terms: non-EUR card transactions use the Mastercard rate plus a 3% mark-up (no mark-up on SEK, CZK, PLN and RON).

Limits & Conditions

ATM cash withdrawals: EUR 5,000 per day and EUR 10,000 per month (pricing page). ATM withdrawals in EU free up to €200/month, then 1%. Non-EU ATMs charged 1% (min €1.50) + 3% FX fee. Crypto service: external transfers and crypto purchases/sales up to EUR 2,000 per day and EUR 10,000 per month (help, crypto limits).

Crypto Capabilities

Security & Custody

Custody ModelCustodial

Wallet TypeExchange Account

InfrastructureManerio UAB

Supported Assets

Chains

Bitcoin

Ethereum

Tether (ERC20)

Tokens

Yield on Collateral

On-chain History

Governance Rights

Credit Scoring

Lifestyle Benefits

Mastercard European PrivilegesUp to 30% off on shopping, beauty, well-being and travel offers via the Mastercard program (open an account to view offers)

Rewards Program DetailsPer Blackcatcard help (https://blackcatcard.com/help, 'How do the bonus programs work?'): one bonus program at a time, 4 programs: up to 4% p.a. reward on balance (no extra requirements, on by default); 2% cashback on Amazon (max 50 EUR cashback per month); 5% cashback at Google Play; 0.5% cashback on card purchases when card purchases are 50 EUR or more per month. ATM withdrawals, card-to-card transfers and transfers to other financial services are excluded. Bonus programs are provided by Baltic Technology Solutions OÜ.

Payout Frequency

monthly

Exclusions

ATM withdrawals, card-to-card transfers, crypto operations