BlackCatCard BlackCatCard Premium
A plan byBlackCatCard
A free custodial account with a Maltese IBAN, 2.2% APY on balance and cashback of 2% on Amazon and 5% on Google Play. Funds are not covered by deposit insurance but only by safeguarding, alongside reports of spam marketing and crypto access available only via third parties.
BlackCatCard Premium
- Price
- €15
- Cashback currency
- Nessuno
- Cashback cap
- Free
- Required staking
- Nessuno
What's included
- Higher limits
- Premium support
- Black metal card
Data & conditions
| Account fee | Free |
|---|---|
| IBAN | dedicato · MT |
| 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 | 4% |
| ATM withdrawal | Free |
| Fund custody | Custodial (platform holds funds) |
| KYC | Light |
| Supported countries | EEA, UK · 40+ countries |
| Regulator | MFSA |
| OAM Italy registration | No |
| Segment | B2C |
| MiCA / License status | EMI Malta MFSA |
Strengths
- Account free with IBAN maltese; 2,2% APY balance; cashback Amazon 2% and Google Play 5%.
- Light KYC: minimal identity verification.
Weaknesses
- No deposit insurance (only safeguarding); segnalazioni spam; crypto via third parties.
- Custodial: the platform holds your funds and can freeze or lose them.
- Subject to regulation (Malta MFSA): reporting to authorities and freezes on order.
Verdict
A free custodial account with a Maltese IBAN, 2.2% APY on balance and cashback of 2% on Amazon and 5% on Google Play. Funds are not covered by deposit insurance but only by safeguarding, alongside reports of spam marketing and crypto access available only via third parties.
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 BlackCatCard a real bank?
BlackCatCard operates under a EMI licence (MT). It is regulated by MFSA. Fund protection: Safeguarding — nessuna garanzia depositi.
Can I send transfers to third-party IBANs with BlackCatCard?
The ability to send transfers to third-party IBANs is not documented; check the official website.
Does BlackCatCard support direct debits and utility billing?
SEPA direct debit (SDD): not documented. Utility-bill domiciliation: not documented.
Which fiat currencies does BlackCatCard support?
The number of supported fiat currencies is not documented. Multi-currency accounts: not documented.
Can I withdraw crypto on-chain from BlackCatCard?
On-chain crypto withdrawal is not documented; check the official website.
Sources
- Official service page Plans & pricing · Regulatory framework · OAM Italy registry · Monthly fee · +3 Data verified on Jun 14, 2026
- blackcat.app Trust & safety Data verified on Jun 14, 2026
- cryptocardhub.com Plans & pricing Data verified on Jun 14, 2026
- listings.ratex42.com Founders Data verified on Jun 13, 2026
Show 2 more sources
- timesofmalta.com Past incidents Data verified on Jun 13, 2026
- trustpilot.com Trustpilot reviews · Savings interest Data verified on Jun 13, 2026