# Blackcatcard vs. Tap Card: fees, limits & KYC

- Blackcatcard has the lowest foreign currency fee (0.35 %).
- Fewest documents: Tap Card (ID document).
- Tap Card has the best score (7.5).

Entry variant: Tap Card: Essential Plan.

## Basics

|  | Blackcatcard | Tap Card |
| --- | --- | --- |
| Card form | unknown | debit |
| Card types | virtual, physical | virtual, physical |
| Card network | Mastercard | Mastercard |
| Custody | custodial | custodial |
| Funding model | fiat balance | fiat balance |
| Card currencies | EUR | unknown |
| **Usage** | personal, business | personal |
| **Issuer / BIN sponsor** | Papaya Ltd | Transact Payments Limited |
| Limits depend on | user setting | unknown |
| Cards per account | not applicable | unknown |

## Availability

|  | Blackcatcard | Tap Card |
| --- | --- | --- |
| Available in | unknown | unknown |

## Crypto

|  | Blackcatcard | Tap Card |
| --- | --- | --- |
| Supported assets | BTC, ETH, USDC | unknown |
| Number of supported assets | unknown | unknown |
| Top-up networks | Bitcoin, Ethereum, Tron | unknown |
| Fiat top-up | Yes | Yes |

## Payments

|  | Blackcatcard | Tap Card |
| --- | --- | --- |
| Mobile wallets | Apple Pay, Google Pay | unknown |
| ATM withdrawals | Yes | Yes |
| Contactless | Yes | unknown |

## Fees

|  | Blackcatcard | Tap Card |
| --- | --- | --- |
| Virtual card issuance | 0.00 EUR | 0.00 GBP |
| **Physical card issuance** | 0.00 EUR | 12.99 GBP |
| Free cards | unknown | unknown |
| Shipping | 0.00 EUR – 50.00 EUR | unknown |
| Monthly fee | 0.00 EUR | unknown |
| Annual fee | not applicable | unknown |
| Top-up fee | unknown | unknown |
| Crypto deposit fee | unknown | not published |
| Crypto conversion fee | not published | unknown |
| **Foreign currency fee** | 0.35 % | 1.5 % |
| FX free allowance | unknown | not published |
| Minimum FX fee | unknown | not published |
| ATM fee | unknown | 500.00 EUR free per calendar month, then 2 % (min. 2.00 EUR) |
| **Transaction fee** | free | not published |
| Cross-border fee | unknown | not published |
| Withdrawal fee | unknown | unknown |
| Activation fee | unknown | not published |
| **Account closure fee** | not published | 10.00 GBP |
| **Dispute fee** | 10.00 EUR (Charged only when the card transaction claim has no grounds) | 25.00 GBP (May be waived at Tap's discretion if the chargeback is proven genuine and satisfactory proof of fraud is provided.) |
| Minimum top-up | unknown | unknown |
| Declined payment fee | unknown | not published |
| Refund fee | unknown | unknown |
| **Inactivity fee** | 15.00 EUR | 3.00 GBP |
| Minimum monthly spend | unknown | unknown |
| **Inactivity rule** | A dormancy fee applies starting from the 7th month of inactivity. | A monthly inactivity fee is charged if there has been no load onto the Tap Card and no card transaction for 12 months. |
| **Card replacement** | 7.00 EUR (0 EUR when the card has expired) | 4.99 GBP |

## Rewards

|  | Blackcatcard | Tap Card |
| --- | --- | --- |
| **Cashback** | 0.5–5 % | 0.5 % (holding from 0); 1.5 % (holding from 300); 3 % (holding from 2,500); 4 % (holding from 5,000); 6 % (holding from 15,000); 8 % (holding from 25,000) · in XTP |
| Referral bonus (invited friend) | unknown | not published |
| Referral bonus (you) | unknown | not published |
| Welcome bonus | unknown | unknown |

## Limits (entry level)

|  | Blackcatcard | Tap Card |
| --- | --- | --- |
| Limits (entry level) | ATM per day 5,000 EUR · ATM per month 10,000 EUR | Spending per day 2,500 EUR · Spending per month 15,000 EUR · Spending per year 50,000 EUR |

- [Blackcatcard](https://cryptocardss.com/en/blackcatcard.md)
- [Tap Card](https://cryptocardss.com/en/tap-card.md)

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- **Canonical URL:** https://cryptocardss.com/en/compare/blackcatcard-vs-tap-card/
- **As of:** 31 Oct 2026
- **Data licence:** CC BY 4.0 (https://creativecommons.org/licenses/by/4.0/)

Please cite: Source: cryptocardss.com (cryptovss), as of 31 Oct 2026, https://cryptocardss.com/en/compare/blackcatcard-vs-tap-card/