Deblock Premium
A plan byDeblock · Visa
Deblock presents itself as Europe's first on-chain bank, offering a French IBAN, SEPA Instant and a 4% yield on the Premium plan, under ACPR and AMF regulation. Its main limitation is that cashback is reserved for the Premium plan, which costs €14.99 per month.
Worth it if you want a French IBAN with SEPA Instant and self-custodied crypto in the same account.
Avoid it if you’re after the cashback or the 4% yield: both are tied to the €14.99/month Premium plan.
Premium
- Price
- €15
- Issuance fee
- Free
- FX markup
- 0%
- Cashback
- 1%
- Cashback currency
- EUR
- Required staking
- Nessuno
- ATM fee
- 1%
- ATM limit
- €30.000/mese (€1.000/mese o 5 prelievi senza commissioni)
- Net annual cost
- €120
What's included
- €10/month billed yearly (3 months included)
- 4% annual account yield
- Up to 1% cashback
- Up to 10 virtual cards
- Custom TAG & IBAN
- ATM €1,000/month or 5 withdrawals fee-free, then 1%
- Reduced crypto & FX fees
The clause
That 1% on the banner isn't what you pocket.
After FX markup, fees and withdrawals, on an average profile of €1,000/mo (20% abroad).
Data & conditions
| Network | Visa |
|---|---|
| Fund custody | Self-custody (funds in your control) |
| Issuance fee | Free |
| Annual fee | €180/year |
| Free ATM limit | €30.000/mese (€1.000/mese o 5 prelievi senza commissioni) |
| ATM withdrawal | 1% |
| FX markup | 0% |
| Cashback | 1% in EUR · Nessuno |
| Chains | Ethereum, Bitcoin, Solana |
| On-chain settlement | Yes |
| Contactless | Yes |
| Virtual card | Yes |
| KYC | Full |
| Privacy | 7/10 |
| Supported countries | EEA · 30+ countries |
| Estimated net annual cost | €0/year |
| Regulator | ACPR (Banque de France); AMF |
| Segment | B2C |
| MiCA / License status | EMI (ACPR); MiCA/CASP (AMF) EMI France |
Strengths
- Europe's first on-chain bank; French IBAN; SEPA Instant; 4% Premium yield.
- Self-custody: funds stay in your wallet — the platform cannot touch them.
Weaknesses
- Cashback only on piano Premium (€14,99/month).
- Full KYC required: verified identity, zero pseudonymity.
- Subject to regulation (EMI France): reporting to authorities and freezes on order.
Verdict
The strong rating reflects a regulatory perimeter that is solid by sector standards: a French IBAN under ACPR and AMF supervision, SEPA Instant and full KYC, with availability in Italy and zero FX markup. The main drawback, from a protection standpoint, is that cashback is confined to the 14.99-euro-per-month Premium plan, and the self-custody design shifts key-management responsibility onto the user, without a traditional bank's safety net.
Here Deblock scores high: it is non-custodial, settlement happens on-chain across Ethereum, Bitcoin and Solana, and funds stay in your wallet until payment, a level of control rare for a card with a European IBAN. The sovereignty limit is the full KYC, which remains mandatory and reduces anonymity compared with no-KYC alternatives.
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.
Reputation
What happened to people who used Deblock, and what users say. External signals: they do not feed the promp.it rating.
Incidents & regulatory actions
No known incidentSearch across public sources: no known hack, withdrawal freeze or regulatory action as of the verification date.
verified on
Public reviews
-
Google Play ↗
4.7/5
27,737 reviews
Taken from the listing's structured data (ratingValue 4.708, ratingCount 27,737): it counts all ratings, including those without written text. Trustpilot is not included: the page blocks automated reading.
-
App Store ↗
4.8/5
23,073 reviews
Exact figure from the iTunes Lookup API, French storefront (app id 6479202981), the service's main market.
Weighted average across 2 public review platforms (50,810 reviews in total), weighted by volume. This is not our rating: it is those platforms’ average.
FAQ
Is Deblock a safe card?
Deblock is a self-custody card on the Visa network. As a payment card, loaded funds are e-money and are not covered by a bank deposit-guarantee scheme. Fund custody is self-custody.
How much does Deblock cost?
The card has no annual fee. Issuance is free. The FX markup is 0% (no surcharge). See the tier table for full conditions.
Does Deblock offer cashback?
Yes: cashback goes up to 1%, depending on the tier.
Is Deblock available in Italy?
Yes, Deblock is available in Italy.
Is Deblock custodial or self-custody?
Deblock uses a self-custody model. Funds stay in your wallet and you keep control of your private keys; the card debits at the moment of spending.
Sources
- Official service page Plans & pricing · Regulatory framework · ATM · FX Data verified on Jul 10, 2026
- opencryptocards.com Data verified on Jul 10, 2026
- cafedelabourse.com Cashback.valuta reward · Cashback.staking richiesto · Legal name · Company type Data verified on Jun 14, 2026
- fintechnews.ch Investors Data verified on Jun 14, 2026
Show 5 more sources
- tech.eu Latest funding round · Stock ticker · Stock listing · IPO date Data verified on Jun 14, 2026
- coincodecap.com Blockchain Data verified on Jun 13, 2026
- commerzventures.com Founders Data verified on Jun 13, 2026
- dfns.co On-chain settlement Data verified on Jun 13, 2026
- trustpilot.com Trustpilot reviews Data verified on Jun 13, 2026
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