Holyheld
Holyheld
Holyheld is a non-custodial omnichain app with gasless execution, a Cyprus IBAN (Unlimit) and access to Morpho vaults: it never holds your crypto or your keys, funds stay in your own wallet. Its limits include ATM fees (€1 domestic, 2.5% + €2 international), a 2.5% + €1 FX fee on non-EUR payments and low cashback (0.5–1% in USDC depending on the card edition).
Data & conditions
| Account fee | Free |
|---|---|
| IBAN | dedicato |
| Multi-currency | No (single currency) |
| Outbound transfers to third-party IBANs | Yes |
| Utility direct billing | No |
| SEPA direct debit (SDD) | No |
| SEPA transfer | Free |
| Interest on balance | 0% |
| ATM withdrawal | not declared |
| Fund custody | Self-custody (funds in your control) |
| KYC | Full |
| Supported countries | EEA · 30+ countries |
| Regulator | FNTT (Lituania) · Unlimit EMI (Central Bank of Cyprus) |
| OAM Italy registration | No |
| Segment | B2C |
| MiCA / License status | VASP (FNTT Lituania)Card via Unlimit — EMI (Central Bank of Cyprus) VASP FNTT (Lituania) · card via Unlimit EMI (Cipro) |
Plans & pricing
Classic
- Price
- Free
- Annual price
- Free
- Issuance fee
- €29
- FX markup
- 0%
- Cashback
- 0.5%
- Cashback currency
- USDC
- Required staking
- Nessuno
- ATM fee
- 2.5%
- ATM limit
- €1 domestico; 2,5% + €2 internazionale
- Net annual cost
- Free
- Self-custody card (you hold the keys)
- 0.5% cashback in USDC
- One-off €29, no monthly fee
Limited Edition
- Price
- Free
- Annual price
- Free
- Issuance fee
- €99
- FX markup
- 0%
- Cashback
- 0.5%
- Cashback currency
- USDC
- Required staking
- Nessuno
- ATM fee
- 2.5%
- ATM limit
- €1 domestico; 2,5% + €2 internazionale
- Net annual cost
- Free
- Limited-edition design
- 0.5% cashback in USDC
- One-off €99, no monthly fee
Metal
- Price
- Free
- Annual price
- Free
- Issuance fee
- €199
- FX markup
- 0%
- Cashback
- 1%
- Cashback currency
- USDC
- Required staking
- Nessuno
- ATM fee
- 2.5%
- ATM limit
- €1 domestico; 2,5% + €2 internazionale
- Net annual cost
- Free
- Metal card
- 1% cashback in USDC
- One-off €199, no monthly fee
Strengths
- Non-custodial omnichain; gasless; Cyprus IBAN; Morpho vaults.
- Self-custody: funds stay in your wallet — the platform cannot touch them.
Weaknesses
- ATM fee 2,5%+€2 international; cashback 0,5-1%.
- Full KYC required: verified identity, zero pseudonymity.
- Subject to regulation (VASP FNTT (Lituania) · card via Unlimit EMI (Cipro)): reporting to authorities and freezes on order.
Verdict
The B tier mirrors a mix of strengths and real costs: gasless execution, a Cyprus IBAN and Morpho vault access on one side, but ATM fees (€1 domestic, 2.5% + €2 international), a 2.5% + €1 FX fee on non-EUR currencies and low 0.5–1% cashback on the other. It is a VASP authorised by Lithuania's FNTT with the card issued by Unlimit (a Cyprus EMI); it stays a non-custodial, full-KYC service that pays off mainly for euro spenders.
Through this lens it is one of the most consistent: it is non-custodial and omnichain, never holding your crypto or keys, with gasless execution and direct access to on-chain Morpho vaults. The limit is full KYC, but the DeFi-native design gives the user a degree of control that purely custodial neobanks do not offer.
Promp's editorial rating based on real fees and net annual cost. Promp reviews third-party products independently.
"Sovereignty" rating: score computed on privacy/anonymity (30%), fund control (20%), censorship resistance (20%), trustless/auditability (20%) and costs (10%). Same data, different weights.
FAQ
Is Holyheld a real bank?
Holyheld is a digital financial service. The deposit-protection scheme is not documented for this service; check the official terms.
Can I send transfers to third-party IBANs with Holyheld?
The ability to send transfers to third-party IBANs is not documented; check the official website.
Does Holyheld support direct debits and utility billing?
SEPA direct debit (SDD): not documented. Utility-bill domiciliation: not documented.
Which fiat currencies does Holyheld support?
The number of supported fiat currencies is not documented. Multi-currency accounts: not documented.
Can I withdraw crypto on-chain from Holyheld?
On-chain crypto withdrawal is not documented; check the official website.
Sources
- Official service page Plans & pricing · Regulatory framework · Card issuance fee · FX markup · +3 Data verified on Jul 10, 2026
- cryptocardcompare.io IBAN countries · Deposit guarantee · Cashback Data verified on Jul 10, 2026
- banklist.co Legal name · Registered office Data verified on Jun 14, 2026
- crunchbase.com Investors · Latest funding round Data verified on Jun 14, 2026
Show 6 more sources
- cryptocardhub.com Legal name · License type · License country Data verified on Jun 14, 2026
- neobanque.ch Cashback · Staking richiesto Data verified on Jun 14, 2026
- cryptocardslab.com Monthly fee · SEPA fee · SWIFT fee · On-chain crypto withdrawals · +1 Data verified on Jun 13, 2026
- degen0x.com Third-party audit Data verified on Jun 13, 2026
- podcasts.apple.com Founders Data verified on Jun 13, 2026
- trustpilot.com Trustpilot reviews Data verified on Jun 13, 2026
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~15 USDC (~€13) with an invite code after ordering the card
With an invite code (the referrer's $holytag) entered during onboarding, you get ~15 USDC (~€13) credited after you ORDER the card (one-off cost from €29). Note: this bonus is not in the official legal T&C (which only cover the recurring 0.5%/1% cashback), it is documented in the FAQ and third-party sources: worth it only if you actually use the card.