Simple is a European fintech service created to turn cryptocurrency into a full-fledged payment tool. The company operates through the legal entity Simple Europe UAB (Lithuania), which has official registration and licenses for virtual asset activities. Its focus includes buying, selling, storing crypto assets and issuing digital financial products.
One of these products is the Simple Card — a cryptocurrency debit card based on Mastercard that allows you to pay with crypto without any extra steps. The Simple team presents the card as a tool that makes Web3 “invisible” to the user: “Spend crypto like cash — that’s what financial freedom should feel like,” they say at Simple. This means that the card automatically converts digital assets into fiat at the moment of payment, hiding all complex processes “under the hood.”
Features of Simple Card
Simple Card is designed for those who want to spend cryptocurrency just as easily as the money on a regular bank card. The main idea is to minimize the distance between crypto and real-world spending. Here’s what the card offers:
Automatic conversion of cryptocurrency to fiat at the moment of payment. You choose a crypto asset in the app and the system converts it to euros for each transaction.
Support of 20+ cryptocurrencies, including BTC, ETH, USDT, USDC and other popular assets.
An IBAN account in euros, which is opened together with the card. You can top up the balance via SEPA transfer or spend euros directly.
Support of Apple Pay and Google Pay — the physical card is optional.
Offline payments, online payments and cash withdrawals at ATMs.
High transaction limits — up to €15,000 per payment and up to €30,000 per month.
The users want to use stablecoins like familiar money—spending with a Simple card at Sephora or Nando’s, sending to family without copying addresses like “34xp4vRoCGJym3xR7yCVPFHoCNxv4Twseo,” but using their phone book or usernames instead.
Alex Emelian
CEO and Co-founder of Simple.app
…We are not only providing incredible value, but also encouraging users to take full control of their assets. This is the perfect opportunity to see how simple and secure digital finance can be — says Alex Emelian.
How to get the Simple Card
The process takes just a few minutes:
Download the Simple App.
Create an account and complete KYC verification.
Order a virtual or physical card.
Add the card to Apple Pay or Google Pay.
Top up the balance with cryptocurrency or euros.
After activation, you can start making your first purchases right away.
Fees and limits
Simple’s fee structure is quite transparent — most key features are available without additional charges.
Fees:
Card issuance — €0
Monthly maintenance — €0
Payments within the EEA — 0%
International payments outside the EEA — 2.5%
ATM withdrawals — first 3 operations per month free, then 2%
Withdrawals outside the EEA — €1.75 + 2.5%
Limits:
One transaction — up to €15,000
Monthly spending — up to €30,000
Cash withdrawals — up to €1,000 per day and €4,000 per month
All limits are sufficient for most everyday needs and significantly exceed the average capabilities of typical crypto cards.
Disadvantages of the Simple Card
No financial card can be perfect for everyone — and Simple Card is no exception. Despite its convenience and straightforward logic, there are a few nuances worth noting that may influence the user experience.
Availability only for EEA residents. Not everyone can get the card — the service is mainly focused on countries within the European Economic Area. Users from other regions may face restrictions.
Fees for international operations outside the EU. Within the EEA, the card is highly cost-effective, but payments or cash withdrawals outside Europe have noticeably higher fees.
A small spread during crypto conversion. Simple does not always show the conversion rate in detail, so the actual value may slightly differ from the market rate.
A physical card is optional, but it is currently under development. The virtual card works immediately, but a physical card is required for cash withdrawals, and it has not yet been prepared for release.
A limited selection of currencies for the IBAN account. Currently, only a euro account is available, which may not be convenient for users who work with other fiat currencies.
Despite these disadvantages, for most European users, the Simple card remains a convenient and universal tool for everyday cryptocurrency spending.
Simple Card — a modern crypto card without complicated conditions or unpleasant fees. It is designed for those who want to combine Web3 and everyday finances without unnecessary bureaucracy and technical barriers.
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Content manager at bestcryptocards.info. He analyzes the cryptocurrency cards market and writes detailed reviews and comparisons so that you can get only verified information.
Content manager at bestcryptocards.info. He analyzes the cryptocurrency cards market and writes detailed reviews and comparisons so that you can get only verified information.
Before applying for the Simple Card, it’s helpful to understand a few key points about how it works.
Can I top up the card with regular euros instead of cryptocurrency?
Yes. The card has its own euro IBAN account, so you can fund it via SEPA transfer. You can use the IBAN as a separate bank account for incoming payments or storing fiat.
Can I use the Simple Card outside the EU?
Yes, the card works anywhere Mastercard is accepted. However, keep in mind that payments and cash withdrawals outside the EEA come with additional fees — typically around 2.5%.
