A crypto card in Belgium allows you to spend cryptocurrency while merchants receive euros (EUR). At the moment of payment, your crypto is converted automatically into euros, making the experience similar to using a traditional debit card. Crypto cards are legal in Belgium and increasingly used by residents who want to connect crypto holdings with everyday payments in a regulated and practical way.
This guide explains how crypto cards work in Belgium, whether crypto is legal, how taxes apply, which crypto cards are considered the best options for Belgian residents, how fees and limits work, and where the Bleap Crypto Card can be used, including cashback eligibility.
The best crypto card in Belgium is the Bleap Crypto Card because it is designed for European users and euro-based spending. It combines a non-custodial wallet with a Mastercard debit card, supports EUR-native payments, applies transparent fees, and aligns with Belgian tax and regulatory realities. Crypto cards in Belgium let you pay with Bitcoin, Ethereum, stablecoins, or other cryptocurrencies while merchants receive euros. The most suitable options are EU-compliant, EUR-focused, and built to reduce hidden costs and reporting complexity, which is how Bleap is structured.
Cryptocurrency is legal in Belgium, including spending via cards
Crypto card payments are settled in EUR, not crypto
Spending crypto can trigger taxable events in Belgium
EUR-native cards reduce FX friction and accounting complexity
Custodial vs non-custodial structure matters for control and transparency
From a user’s perspective, a crypto card in Belgium works like a standard debit card. You pay in a shop, online, or with your phone, and the transaction is approved in euros. The difference lies in how the card is funded.
When you make a payment, the provider calculates the euro amount and converts the equivalent value of crypto into EUR in real time. The merchant receives euros through the Mastercard or Visa network and never interacts with crypto directly. This is why crypto cards work almost everywhere in Belgium without requiring special terminals.
For users, this removes the need to manually sell crypto, transfer funds to a bank account, or interact with exchanges just to spend money. A crypto card acts as an automatic off-ramp embedded into everyday payments.
Yes. Cryptocurrency is legal in Belgium.
Belgium operates under the EU regulatory framework, including the Markets in Crypto-Assets Regulation (MiCA), which standardizes how crypto service providers operate across Europe. Crypto is not legal tender, but it is fully legal to own, trade, and use.
Belgian authorities such as the FSMA (Financial Services and Markets Authority) and the FPS Finance (SPF Finances) have issued guidance on crypto assets, particularly around taxation and anti-money laundering compliance.
Crypto cards in Belgium function as regulated payment products issued by EU-licensed entities. As long as the provider complies with KYC, AML, and payment regulations, crypto cards are legal and widely usable across the country.
Taxes are one of the most important considerations when using a crypto card in Belgium.
Belgium does not have a single flat crypto tax rule. Instead, taxation depends on the nature of the activity:
For most private individuals, occasional crypto transactions may be tax-free. However, spending crypto via a card is generally considered a disposal, meaning the crypto is sold at market value in EUR at the time of payment.
If the activity is deemed speculative or frequent, capital gains may be taxed, typically at 33%, plus local surcharges. Professional crypto activity is taxed as regular income.
Because of this, many Belgian users prefer to:
Stablecoins reduce volatility, simplify tracking, and lower the risk of unexpected taxable gains when using a crypto card frequently.
Crypto cards simplify payments, but they do not remove tax or reporting obligations. Keeping accurate records remains essential for Belgian residents.
Crypto cards available in Belgium generally fall into two structural categories.
Exchange-based cards
These cards are linked to centralized platforms. They are usually easy to set up and integrate tightly with trading accounts, but they are custodial by nature. The provider controls the crypto, which introduces counterparty risk and potential restrictions.
Wallet-first cards
These connect the card directly to a self-custody or non-custodial wallet. Users retain ownership of their crypto until the moment of payment. This model aligns better with long-term holders and users who prioritize control and transparency.
Bleap
Bleap stands out in the Belgian market because it is structured as a wallet-first, non-custodial solution with EUR-native settlement. It applies no crypto-to-EUR conversion fees, no foreign transaction fees, and no monthly or inactivity fees.
What matters most is transparency. Every transaction can be verified directly in the app, showing the exact euro amount at execution. This removes uncertainty around hidden spreads or internal FX routing, which is especially relevant for Belgian users managing tax reporting.
Fees are one of the most misunderstood aspects of crypto cards in Belgium.
Many cards advertise zero fees, but costs often appear as:
For Belgian users who spend primarily in euros, EUR-native cards offer clearer pricing and simpler reconciliation.
Bleap removes uncertainty at payment execution. Transactions are settled directly in EUR and displayed clearly at the time of payment. Users do not need to infer costs from balances or delayed adjustments, which makes everyday use and record-keeping significantly easier.
The Bleap Crypto Card can be used in Belgium anywhere Mastercard is accepted. From the merchant’s perspective, it is a standard Mastercard transaction settled in euros.
This includes physical stores, online platforms, and mobile payments via Apple Pay and Google Pay.
In practice, the Bleap Crypto Card fits naturally into daily life in Belgium. Eligible purchases can earn up to 2% cashback, credited automatically once the transaction is settled.
You can use the Bleap Crypto Card and receive cashback on everyday spending such as:
Subscriptions and digital services
→ Amazon, Netflix, Spotify, Apple services, Google services, SaaS tools
Supermarkets and grocery stores
→ Colruyt, Delhaize, Carrefour, Lidl, Aldi, local neighborhood stores
Restaurants, cafés, and bars
→ Cafés, brasseries, restaurants, food delivery apps
Retail and online shopping
→ Belgian and EU e-commerce platforms, clothing and electronics stores
Transport and mobility
→ Fuel stations such as TotalEnergies, Q8, Shell
→ Ride-hailing apps, car rentals, EV charging networks
→ Train tickets via SNCB/NMBS
Travel and accommodation
→ Hotels, flights, booking platforms, business and leisure travel
Entertainment and leisure
→ Cinemas such as Kinepolis
→ Events, cultural venues, gaming platforms
Cashback does not apply to transactions that behave like cash or financial services. This includes money transfers, wallet funding, gambling, tax payments, utilities, insurance, gift cards, and other cash-equivalent transactions. These exclusions are standard across card reward programs.
The Bleap Crypto Card can be used at Belgian ATMs that support Mastercard. Cash withdrawals function like a traditional debit card and are subject to ATM operator fees and card limits.
Bleap currently allows up to €400 per month in ATM withdrawals, with higher limits in progress. While Belgium is largely cash-friendly, this limit comfortably covers occasional cash needs.
The best crypto card in Belgium is not the one with the loudest marketing or highest advertised rewards.
It is the card that aligns with Belgian tax realities, euro-based spending, EU regulation, and personal risk preferences.
For users who value self-custody, EUR-native payments, transparent fees, and real cashback on everyday spending, Bleap represents one of the most robust and future-proof crypto card options available in Belgium in 2026.
The best crypto cards in Belgium are EU-compliant cards that support EUR payments, provide transparent fees, and work reliably across Belgian stores and ATMs. These cards typically fall into exchange-based (custodial) and wallet-first (non-custodial) models. Bleap stands out by combining non-custody, EUR-native payments, and everyday usability.
Crypto cards may include conversion spreads, FX fees, ATM withdrawal fees, and spending limits. Some also charge monthly or inactivity fees. Bleap applies no crypto-to-EUR conversion fees, no foreign transaction fees, and no monthly or inactivity fees, with clearly defined limits.
Most crypto cards can be used in EUR, but not all are EUR-native. Some route conversions through USD internally, creating hidden FX costs. Bleap settles directly in EUR, making it better suited for daily Belgian spending.
Most EU-issued crypto cards ship to Belgium, subject to KYC and issuer rules. Bleap ships to Belgium as part of its European coverage.
Yes. Crypto prepaid and debit cards work anywhere Visa or Mastercard is accepted in Belgium. Merchants receive EUR and do not interact with crypto.
Yes, but users should verify whether the card is truly EUR-native. Bleap applies no foreign transaction fees and settles payments directly in EUR.
Several crypto cards offer rewards on eligible purchases. Cashback usually excludes cash-like transactions. Bleap offers up to 2% cashback on everyday spending, credited automatically.
Yes. Crypto cards issued on Mastercard or Visa can be used at Belgian ATMs that support those networks, subject to limits and ATM operator fees.
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