Bleap Card: Fees, Cashback Rules and Who Can Get It

The Bleap card is a free Mastercard debit card that spends straight from a self-custodial Bleap Wallet, for residents of the EEA and Switzerland, per Bleap's cardholder terms. Bleap charges no issuance, monthly or FX fee on it, and pays cashback in USDC: 1% on everyday purchases, 3% on rides and delivery, and 20% on a list of subscriptions. The catch arrived on November 10, 2026: you now need €200 of everyday spending in the last 30 days to withdraw that cashback, or it starts to expire, per Bleap's cashback page. This guide covers the Bleap card fees, how the new rule works with real spending patterns, what existing users must do before December 17, and when a prepaid crypto debit card fits better.

Bleap is a wallet app with a card attached. The card is linked only to your Bleap Wallet, and Bleap's terms describe it as "non-custodial in design," per the cardholder terms. When you pay, the card draws from that wallet by direct debit for settlement, per the same terms.

The key facts from Bleap's own pages:

• Network: Mastercard debit, per the cardholder terms.
• Issuer: Unlimit EU Ltd, a Cyprus-regulated e-money institution. Bleap SIA in Latvia runs the programme and the app, per the same terms.
• Eligibility: 18 or older and resident in the EEA or Switzerland. Some nationalities are excluded regardless of where they live, per the same terms.
• Assets: Bleap says it "supports over 50,000 tokens across Arbitrum, Solana, and Base," per its Bleap vs KAST comparison.
• Mobile wallets: the virtual card works with Apple Pay and Google Pay, and a physical card can be ordered in the app, per Bleap's card page.

Self-custody changes what happens if the card stops. Your funds sit in your own wallet, not in a balance held by the card company. That matters in a year when the Gnosis Pay card shut down and the Solflare Card paused. If you're new to the difference between a card that spends from your wallet and one you top up, start with what a crypto debit card is.

Section 6.1 of Bleap's cardholder terms is short: "Cards are free. Bleap charges no issuance, monthly, usage or exchange fees for Card activity." Section 6.3 adds that "Bleap adds no FX markup or fee."

"No FX markup" doesn't mean every currency converts at the mid-market rate. You still get Mastercard's rate, and a terminal that offers to charge you in euros abroad adds its own markup. Our guide to crypto card foreign transaction fees explains how to decline that at the till.

Bleap's pages don't agree on free ATM withdrawals:

• The card page says you can use ATMs "at home or abroad without Bleap fees," with no limit stated.
• The compare page says "up to €200 per month without any fees" in one section and "free up to $400 per month" in its FAQ.
• The Bleap vs KAST comparison, updated November 9, 2026, says "free ATM withdrawals up to €400 per month."

The cardholder terms settle none of these figures. They say ATM withdrawals depend on availability in your territory and on "posted limits," and current limits appear only in the app. Treat €200 as the safe planning figure until the app shows you more, and expect the ATM owner to add its own fee. Our crypto card ATM withdrawal guide covers how those surcharges work.

Bleap pays cashback in USDC into a separate cashback balance, per its cashback terms, updated November 12, 2026. The caps apply to the payment amount, not to the cashback.

Source: Bleap cashback terms.

Turn the caps into euros and the "up to 20%" headline gets smaller. The most a Netflix payment can earn is €4.80 a month (20% of €24), ChatGPT €4.60, and Claude €4.40. Everyday spending earns at most €30 a month, at the €3,000 cap.

Some spending earns nothing. The terms exclude money transfers, gambling, tax payments and Curve cards by merchant category code. They also exclude cash-like purchases such as "gift cards, currency exchange or similar transactions." A listed merchant can still miss out if it bills under an excluded code. Bleap "may change cashback rates, limits, categories, merchants, promotions and these Terms at any time," per the same terms.

From November 10, 2026, Bleap's cashback has a spending goal, per its cashback page:

1. Cashback keeps accruing. You earn it on every eligible purchase, whatever you spend.
2. Withdrawing needs €200 of qualifying spend. That is €200 in a rolling 30-day window, not a calendar month. Purchases count once they settle and drop out after 30 days.
3. Only 1% purchases qualify. Rides, delivery, the 20% subscriptions, cash withdrawals, card-to-card transfers and refunds don't count toward the €200, per the same page. The cashback terms say promotional purchases don't count either.
4. Withdrawals are capped. Once you reach €200, all your cashback unlocks, and you can make up to five withdrawals in any 30 days, to your Bleap Wallet.
5. Unwithdrawn cashback expires. If you never reach €200, cashback expires 67 days after your first card payment: 30 days, a 7-day grace period, then a 30-day countdown. If you were withdrawing and fall below €200, you get 37 days. After that, cashback is removed each day as it turns 67 days old, and reaching €200 again lets you withdraw whatever is left.

Cashback you've already withdrawn is never affected, and Bleap sends reminders in the app before anything expires, per the cashback page.

The table uses the rates and caps above. "Qualifying" is the spending that counts toward €200.

The first row is the one the new rule targets. Someone who used Bleap only for subscriptions would have earned €9.40 a month in cashback. Under the new rule, they can't withdraw any of it, and each month's cashback expires once it is 67 days old. The fourth row is the trap: a heavy Uber and Deliveroo user earns well but still fails the €200 test.

The practical reading: Bleap's cashback now pays only if the card is your everyday card for at least €200 a month of ordinary purchases. If it isn't, count the card as fee-free with no cashback.

Existing users get a transition, per Bleap's cashback page:

• December 10, 2026: the rules start to apply. If you've spent €200 in the 30 days before, withdrawals carry on as normal.
• December 16, 2026: the last day of a 7-day grace period to withdraw if you're under €200.
• December 17, 2026: withdrawals stop until you reach €200.
• January 16, 2027: if you still haven't reached €200, cashback starts to expire.

If you have a cashback balance and don't expect to spend €200 a month on the card, withdraw it to your Bleap Wallet by December 16.

Bleap's cardholder terms limit the card to residents of a supported territory, "currently the EEA or Switzerland," aged 18 or over. Section 5.3 of the terms excludes certain nationalities even for residents. Bleap doesn't list them on its marketing pages.

That rules out the UK, the US and everywhere outside Europe for now. Bleap says it is "actively expanding across Latin America," per its Bleap vs KAST comparison. The terms are what counts, though, and they don't name any Latin American country yet. Spending limits work the same way. Bleap "may apply and change" per-transaction, daily, monthly and lifetime limits, and the current figures appear only in the app, per section 5.5.

The two cards are built differently. Bleap spends from a wallet you hold the keys to. SolCard is a prepaid Visa / Mastercard card: you top up a card balance with USDT, USDC or SOL on Solana, Ethereum, Base, Polygon and more, and the crypto is converted to fiat.

If you live in the EEA or Switzerland and spend in euros, Bleap's published fees are lower. Bleap charges nothing for the card and adds no FX markup. SolCard charges $10 per card and $0.30 per transaction, per its help-centre fee breakdown. On top of that, SolCard adds an FX spread of 0-1.5% on Platinum or 1-2% on Virtual. SolCard doesn't offer cashback, so even Bleap's 1% beats it for someone who clears the €200 test.

If you live outside the EEA and Switzerland, Bleap isn't an option and SolCard may be. SolCard is available in most countries; check the supported-countries list before you sign up. Platinum has a 0% top-up fee, a physical card, Apple Pay and Google Pay. The Virtual tier has a 5% top-up fee, and needs no ID verification up to its $10,000 monthly limit. The fees page and the virtual cards page have the full numbers.

SolCard has real limits of its own. US residents can only get the Virtual card, not Platinum. Russia, Ukraine, Belarus and Nigeria are among the countries on its restricted list. As a prepaid card, it often can't cover hotel and car-rental deposit holds. And unlike Bleap, your spendable money sits on the card balance rather than in your own wallet.

For an EEA or Swiss resident who wants a self-custodial card, the Bleap card is the cheaper choice on paper: no card fees, no FX markup from Bleap, and 1% back on everyday purchases. Since November 10, the cashback only pays out if you put at least €200 a month of ordinary spending on the card. If you mainly use it for subscriptions, rides or delivery, assume you'll earn nothing you can withdraw. Existing users under €200 should withdraw their balance by December 16.

If you live elsewhere, or would rather top up a prepaid card with USDT, USDC or SOL on Solana, Ethereum, Base, Polygon and more, SolCard is one alternative, with the trade-offs above. Our KAST card guide covers a stablecoin card with tiers instead of a spending goal, and the best crypto debit cards roundup has more.

Yes. Bleap's cardholder terms say "Cards are free," with no issuance, monthly, usage or exchange fees from Bleap. Mastercard scheme fees, merchant surcharges, ATM operator fees and taxes can still apply.

Only on listed subscriptions, and only up to a monthly cap on each one. For Netflix, for example, 20% applies to the first €24 a month, so the most it can earn is €4.80. Everyday purchases earn 1%, and rides and delivery earn 3%, per Bleap's cashback terms.

Since November 10, 2026, you need €200 of everyday card spending in the last 30 days to withdraw. Subscriptions, rides, delivery, ATM withdrawals, Curve payments, pending purchases and refunds don't count, per Bleap's cashback page. People who joined before November 10 are covered from December 10.

Yes, if you don't reach the €200 goal. Cashback you never withdraw expires 67 days after your first card payment, or 37 days after you drop below €200, per Bleap's cashback page. Cashback you've already withdrawn doesn't expire.

The EEA and Switzerland, for residents aged 18 or over, with some nationalities excluded, per Bleap's cardholder terms. It isn't available in the UK or the US.

Mastercard. Unlimit EU Ltd issues it, and Bleap SIA runs the programme, per the cardholder terms.

Bleap's terms describe the card as "non-custodial in design." It is linked only to your Bleap Wallet and draws from it by direct debit when a payment settles, per the cardholder terms.