The euro card that keeps its promises on paper but not in practice

Updated October 2026

Licensed

Available in US

Fast payouts

18+ Only

Trastra is a prepaid debit card that turns a crypto balance in the Mover wallet into euro you can spend, with an EMI in Lithuania behind it and Visa acceptance worldwide. On paper it is a sensible bridge for someone inside the European Economic Area who holds crypto and wants an ordinary-looking euro card to pay with. In practice the details are thin — what documents you need is not stated, what the ATM or balance fees are in full is not spelled out, and the public review record is poor. My score for it is 4.1 out of 10. Whether that is right for you depends almost entirely on where you live, whether an ordinary bank card is actually hard for you to get, and how much you are willing to hold on a platform whose own users describe frozen balances.

Read the sections below in order. The eligibility and cost sections decide whether you can even start; the fees and daily-use sections decide what it costs you to keep; the risks section is the one I would not skip.

The conditions described here are current as of October 28, 2026.

Who it suits, who it does not, and the score

My overall mark for the Trastra card is 4.1 out of 10. That is not a rejection of the idea — it is a judgement that the things a card review is supposed to clear up (what it costs, who can hold it, how reliably it works) are either unhelpfully vague or actively concerning once you look.

Let me put the five criteria on the table so you can see where the number comes from, and disagree with me if your situation weights things differently.

Two readers stand out. If you are an EEA resident who already holds crypto and wants a euro card funded from that crypto — and an ordinary bank card is genuinely awkward or unavailable for you — then Trastra is built for exactly that, and it does the job at a known cost. If you want an ordinary spending card with predictable fees, wide acceptance and a track record you can trust, this is not it.

Will they give you the card

Trastra is available in 31 listed countries, and Germany, France and the UK are among them. The company also says it “will be available for all residents of the European Economic Area (EEA)”. For residents outside Europe the answer on the page is a flat “Not at the moment.” The rule therefore appears to be residence-based rather than citizenship-based, which is worth noting because, as a general matter, banks and card issuers usually screen nationality and country of birth separately from where you live.

So the first gate is simple: are you resident in a listed European country or the EEA? If not, this card is not for you today. If yes, the next gate is whether you are an adult — prepaid and debit cards in this category are generally available to people 18 and up, and some issuers set higher limits for some products.

Beyond residence and age, the page does not say what it wants from you. The documents required, whether proof of address is needed, and any specific age threshold are not stated in the card’s own public material. I would not treat that as a green light or a red flag on its own — plenty of providers verify in the app and simply do not publish the list — but it does mean you should expect to hand over identity documents and an address check as part of anti-money-laundering law, and that you have no published document list to prepare from in advance. If not having a bank account is your situation, you will still be verified; KYC is a legal requirement for regulated providers, not something you can opt out of.

How to get it

The process is a standard prepaid-card one: create a payment account, which the card says is free, fund it, and order the card. The card itself is a “prepaid debit card” accepted at Visa merchants worldwide. It draws on a balance you load rather than on a bank account, which is why it cannot overdraw.

Two practical details. First, the EUR 9.00 card-order fee is charged from your first top-up, not necessarily at the moment you click order, and the company says it can be covered by bonuses in some cases. Second, delivery of the physical card is free, and it ships to the 31 listed countries in the EEA; how long it takes and what a replacement costs if it is lost are not stated, so treat the delivery timeline as unknown rather than fast.

What the card does spell out on security is the sensible part: transactions are verified through Visa and 3-D Secure, login uses a wallet password plus a two-factor one-time code, and a new device or browser has to be approved by email. So the card is not a bare plastic number; there is a step-up check on online payments and on account access.

On the question people most often ask — does it require KYC — the honest answer is that the card’s public pages do not state the verification detail. Expect document checks; do not expect a published list.

Fees and what a Trastra payment really costs

This is the section where I would slow down, because the cost picture is more expensive than the headline “free exchange” suggests, and several numbers the card does publish are per-operation charges that add up.

Here is every fee and limit I could confirm, in one place:

A few things stand out. The EUR 15.00 a year management fee is not charged by Mover itself, according to the card, but it is still a real recurring cost to you. The 3% on any payment that is not in euros is the single biggest everyday trap: if you travel, buy anything priced in another currency, or use a merchant that presents a foreign currency, you pay it. Some ATM providers may add their own fees on top of the EUR 2.25, which is a reminder that the ATM screen is not always the full price.

The limits are the other half of the cost story. There is a EUR 8,000 ceiling on the card balance, EUR 7,700 a day on card spend, EUR 300 a day on ATM withdrawals, and EUR 8,000 a day in total across purchases and withdrawals. There are no weekly, monthly or annual limits on top of those. For most people the binding constraint is the EUR 300 daily ATM cap and the EUR 8,000 balance ceiling, not the spend cap.

Let me run three everyday payments through it so you can feel the fees rather than read them:

• A EUR 25 coffee in a euro shop: no purchase fee. The full EUR 25 comes off the balance and you get none of the 3% surcharge. This is the cheapest case and the one the card is built for.
• A EUR 40 purchase priced in dollars, say on a non-euro site: 3% applies, so the cost is EUR 40 plus EUR 1.20. Small in absolute terms, but it recurs on every such payment and there is no cap on how often you can trigger it.
• A EUR 100 cash withdrawal at a euro ATM: EUR 2.25, so EUR 102.25 leaves your balance. At a non-euro ATM, or one outside the EEA, it is EUR 2.25 plus 3%, so EUR 105.25.

Two of those three — the free exchange and the 3% — already tell you the shape of this card: it is cheapest when you spend euros, funded from crypto, and most expensive when you step outside that. There is no tier structure or premium version to escape the fees; it is a single card with one schedule of charges.

Top up: how the balance gets funded

Trastra is topped up “using cryptocurrencies in your Mover wallet”. The crypto is exchanged to euros and the euro balance is what the card spends. The exchange itself is listed as free, with the rate set at the time of the transaction — free in fees, not free in the sense that you get a guaranteed rate, because the rate you receive is whatever the platform’s rate is at that moment.

The significant gap is that the card does not name which coins or which networks are accepted. That matters more than it sounds. Transfers on blockchain networks are irreversible, and a deposit sent on a network the provider does not support, or to an address belonging to a different network, can be lost or need manual support recovery with no guarantee. So before your first top-up, the single most useful thing you can do is confirm, inside the Mover app, which asset and which network it is asking you to send. Do not assume the coin you hold is the coin it wants.

There is also a fiat side to funding that the card does not describe: whether you can add money by bank transfer, card or anything other than crypto is not stated, and no minimum top-up is published. If you wanted to test the card with a small amount first, the only number you have is the EUR 9.00 order fee that comes out of the first top-up.

Money also moves the other way, to a limited degree: the card can be used for “transferring money to local banks”, and you can withdraw cash at ATMs. But the fees for moving a balance back to crypto, and for handling account closure, are not stated — so if you are thinking of this as a temporary bridge rather than a permanent home for your funds, ask about the exit before you enter.

The EUR 9.00 card-order fee comes from the first top-up and, the company says, can be covered by Smart Treasury bonuses in some cases; the top-up minimum and any fiat routes are simply not stated on the page.

Paying with it every day

In the shop, the Trastra card behaves like any other Visa prepaid debit card: it is accepted at Visa merchants worldwide, and because it draws on a loaded balance it cannot go negative. You also get a personal EUR IBAN, which means some things you would normally pay by direct debit — rent, utilities, subscriptions — can be paid from this card rather than only by card-present swipe.

At the ATM it works across Europe, so cash is not the problem. The EUR 300 daily withdrawal cap is the number to remember, and each withdrawal carries the EUR 2.25 fee (plus 3% outside the EEA or in a non-euro currency).

For phone wallets, the card’s own self-description on its Trustpilot company page says it can be used with Google Pay and Apple Pay. I would mark that as unofficial and unconfirmed by the card’s main pages: it comes from Trastra’s own description of itself on a review platform, not from the product documentation, so treat it as likely rather than guaranteed. There is no mention of blocked merchant categories on the page, and gambling is the category that issuers commonly restrict — but nothing here tells me Trastra blocks it or allows it, so I cannot tell you either way.

Apps exist for Android and iOS, with a web app at app.viamover.com; I did not read store ratings, so I cannot vouch for them. There is no mention of a virtual card — and that is a real limitation if you want a disposable online card number, because the physical/virtual split is not specified anywhere.

Rewards are the other absence worth naming. The product is sometimes described in the category as crypto cashback, but the Trastra page itself describes no rewards, cashback or earning scheme at all. If a cashback backer sold you this card, that feature is not in the card’s own material and I would want to see it in writing before you value it.

What can go wrong

This is the section I would not skip, because it is where the score’s biggest deduction comes from.

The issuer is UAB “Finansinės paslaugos ‘Contis’”, an electronic money institution holding Bank of Lithuania licence No. 53. That is a real, named, regulated institution, and it is the right kind of entity to hold your funds — an EMI can safeguard customer money by segregating it in dedicated accounts. But note the boundary: the card is an EMI product and is explicitly “not covered by the Deposit Insurance System of the Republic of Lithuania”. So your balance is safeguarded e-money, not a bank deposit; it does not carry deposit-guarantee protection. Mover partners with Trastra, and Holyheld Labs is described as an authorised partner of Trastra Inc. — so several brand names sit behind one card, which is worth holding in mind when something goes wrong and you need to know who to write to.

Support is by email, [email protected], with a knowledge centre at faq.viamover.com; languages and hours are not stated.

Now the harder part — the record. My own search for official complaints or dated official news found nothing relevant, so on paper there is no official trouble. But the user-reported picture on Trustpilot is poor: 2.0 out of 5 from 747 reviews, with 65% five-star and 23% one-star, though only 7 of those reviews are from the last 12 months. The specific reports users describe are frozen or blocked funds and denied withdrawals through 2025, unresponsive support giving copy-paste replies in the first half of 2025, a maintenance window that left balances inaccessible from March to June 2025, and worries about insolvency and closure. Separately, there are unverified third-party reports: a March 2025 email referring to “Initiation of Insolvency Proceedings” against a related entity, and May 2025 claims that the company is closing, with police information about bankruptcy proceedings. These are user reports and not confirmed fact, and they concern the Trastra service rather than necessarily the Mover card — but they are the reason the reliability score is 3 and not higher.

It is fair to put that in context. Platforms that hold crypto have a history of failing — Mt. Gox, Coincheck and the Ronin Network are the standard examples — and Visa itself has terminated card programmes when the underlying business collapses. A card whose ecosystem is generating insolvency chatter, even unverified, deserves more scepticism than one with a quiet record, not less.

The security picture is the reassuring counterweight, and it is genuinely good: every transaction is checked by Visa and 3-D Secure, login needs a wallet password plus a two-factor code, new devices require email approval, and funds sit in a segregated account. The one control I looked for and did not find mentioned is an instant in-app card freeze — spending limits and tokenised mobile wallets are the standard companions to 3-D Secure, and a freeze toggle is the one I would most want to see confirmed.

What to take instead

If Trastra’s price or its review record does not sit right with you, the comparison set is not empty. Two of the alternatives below are built for the same crypto-to-card job; one is a different model entirely. None of them states its eligibility detail on the card page, so treat the country question as still open for each.

• Gemini, 4.9 / 10. A Mastercard World Elite credit card rather than a prepaid one: no annual fee, no foreign transaction fees, and you pay it off in fiat rather than topping up crypto. The trade is rewards for flexibility — up to 4% on gas, EV and transit (on the first $300 a month), 3% dining, 2% groceries, 1% other, paid instantly in Bitcoin or in 50+ cryptos. It suits people who want credit and rewards and already have a bank account to settle from; it does not suit someone whose problem is that they have no ordinary bank card.
• Lava, 7.1 / 10. Marketed as fee-free: no annual fees, no FX fees and no FX spread, no exchange fee or spread on buying or selling bitcoin, and up to 5% back in bitcoin on purchases. You can deposit in local currency or in stablecoins. The higher score here is mostly about cost clarity; the catch is that it is a rewards-led proposition and the details of network and card form are not stated.
• GoMining Card, 6.6 / 10. A different idea again: currently virtual with a physical card “coming soon”, funded with BTC, USDT, GOMINING and other coins, and paying cashback in mining power that rises with VIP level (up to 5%). Opening a card grants a free 1 TH miner. It is aimed at people already inside the GoMining ecosystem, and its availability is explicitly subject to eligibility and regional restrictions.

The pattern across all three: the crypto-to-card market rewards clear, published fees and low complaint volume. Trastra’s distinguishing feature is that it is euro-denominated with an IBAN and EEA residency, which the alternatives do not foreground — and that it charges meaningfully more at the margins than Lava claims to.

Who I would recommend it to

I would recommend Trastra, with eyes open, to an EEA resident who holds crypto, cannot easily get an ordinary euro bank card, and wants a straightforward prepaid Visa funded from a Mover wallet at a known cost. Concretely, that means you are spending mostly in euros, you will not push the EUR 300 daily ATM cap or the EUR 8,000 balance ceiling, and you are comfortable treating the balance as safeguarded e-money rather than a guaranteed bank deposit.

I would steer you elsewhere if any of these are true: you travel and pay in other currencies (the 3% adds up fast); you need a credit line or real rewards; you want a virtual card; you are outside the EEA; or you are the kind of person who needs to be certain about support response times before you put money in. The 2.0 Trustpilot and the insolvency chatter are not disqualifying on their own, but they are exactly the signals that should make a cautious person pause, and I would not argue otherwise.

Frequently asked questions

What is the Trastra card?

Trastra is a prepaid Visa debit card that spends a euro balance you load from crypto held in the Mover wallet. It is issued by an electronic money institution in Lithuania, UAB “Finansinės paslaugos ‘Contis’” (Bank of Lithuania licence No. 53). Because it draws on a stored balance rather than a bank account, it cannot overdraw. You also get a personal EUR IBAN, so direct debits can be paid from it too.

How does the Trastra card work?

You top up using cryptocurrencies in your Mover wallet, the crypto is exchanged to euros (the exchange is listed as free, at that day’s rate), and the card spends that euro balance wherever Visa is accepted. Payments in euros carry no purchase fee; a purchase priced in another currency costs 3%. The card is prepaid, so it only ever spends what you have loaded.

Is Trastra a bank?

No. Trastra is not a bank; the card is an electronic money product. The issuer is a licensed electronic money institution, and the balance is safeguarded e-money, not a bank deposit. The card is explicitly not covered by the Deposit Insurance System of the Republic of Lithuania, so your funds are protected by segregation rules rather than by a deposit guarantee.

Who owns the Trastra card?

Several brand names sit behind it. Mover partners with Trastra, and Holyheld Labs is described as an authorised partner of Trastra Inc. The actual card issuer and programme holder is UAB “Finansinės paslaugos ‘Contis’”, the Lithuanian EMI with Bank of Lithuania licence No. 53. Knowing this chain matters if you ever need support or a dispute.

Who can get the Trastra card?

It is available in 31 listed countries, including Germany, France and the UK, and the company says it will be available for all EEA residents. For residents outside Europe the page says “Not at the moment.” The rule appears residence-based. You must also be an adult, and expect identity-document checks as part of KYC — the specific document list is not stated on the page.

How do I get and activate the Trastra card?

Create a payment account (free), fund it with crypto from your Mover wallet, and order the card — the EUR 9.00 order fee comes out of your first top-up. Delivery is free to the listed EEA countries. Activation detail and delivery time are not stated; the card’s security does include 3-D Secure on transactions and a two-factor code on login.

How do I top up the Trastra card?

You top up with cryptocurrencies held in your Mover wallet, and the euro conversion is listed as free at the transaction rate. The important gap: the page does not name which coins or networks it accepts. Because transfers on the wrong network can be lost, confirm the exact asset and network in the app before your first deposit.

What are the Trastra card’s fees and limits?

Card order EUR 9.00, card management EUR 15.00 a year, a non-euro purchase 3%, a euro ATM withdrawal EUR 2.25 (or EUR 2.25 plus 3% outside the EEA), balance inquiry EUR 0.35, PIN change EUR 0.40. Limits: EUR 8,000 max balance, EUR 7,700 daily spend, EUR 300 daily ATM, EUR 8,000 total daily. No weekly, monthly or annual limits.

Is the Trastra card safe, and can I add it to Apple Wallet?

Every transaction is verified by Visa and 3-D Secure, login uses a wallet password plus two-factor code, new devices need email approval, and funds sit in a segregated account. On the reliability side, Trustpilot shows 2.0 out of 5 across 747 reviews, with user reports of frozen funds and denied withdrawals in 2025 and unverified insolvency chatter in March–May 2025. Apple Pay and Google Pay support is stated only by Trastra on its Trustpilot page — unofficial, not on the main product pages.

Is the Trastra card worth it?

It is worth it for an EEA resident who holds crypto, struggles to get an ordinary euro card, and spends mostly in euros — the fees are known and the IBAN is useful. It is not worth it if you pay often in other currencies (3% each time), need rewards or a credit line, or want a virtual card. Weigh it against the 2.0 Trustpilot score and the unverified closure reports before you load anything substantial.

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