# Mercuryo Card

by Mercuryo · checked 30 Oct 2026 · updated 30 Oct 2026

Website: [mercuryo.io](https://mercuryo.io)

## Facts

- Mercuryo Card is a Mastercard debit card from Mercuryo.
- A virtual version costs 0.00 EUR.
- It works with Apple Pay, Google Pay.
- Mercuryo Card is available in European Economic Area.
- Supported assets: DOT.
- Top-up networks: Polkadot.
- Issuer / BIN sponsor: Quicko Sp. z o.o..
- Mercuryo does not publish the top-up fee.
- Mercuryo does not publish the crypto conversion fee.
- Mercuryo does not publish the foreign currency fee.

## Basics

| Attribute | Value | Applies to | Source |
| --- | --- | --- | --- |
| Card form | debit |  | mercuryo.io (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Card types | virtual |  | mercuryo.io (checked 30 Oct 2026 · verified 29 Oct 2026) |
| Card network | Mastercard |  | widget.docs.mercuryo.io (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Custody | unknown |  |  |
| Funding model | converted on spend |  | mercuryo.io (checked 30 Oct 2026 · verified 29 Oct 2026) |
| Card currencies | EUR |  | widget.docs.mercuryo.io (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Usage | personal |  | mercuryo.io (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Limits depend on | unknown |  |  |
| Cards per account | unknown |  |  |
| Mobile wallets | Apple Pay, Google Pay |  | mercuryo.io (checked 29 Oct 2026 · verified 29 Oct 2026) |
| ATM withdrawals | No |  | spend.docs.mercuryo.io (checked 30 Oct 2026 · verified 29 Oct 2026) |
| Contactless | Yes |  | mercuryo.io (checked 29 Oct 2026 · verified 29 Oct 2026) |

## Fees and cashback

| Attribute | Value | Applies to | Source |
| --- | --- | --- | --- |
| **Fees** |  |  |  |
| Virtual card issuance | 0.00 EUR |  | mercuryo.io (checked 30 Oct 2026 · verified 29 Oct 2026) |
| Physical card issuance | not applicable |  | mercuryo.io (checked 30 Oct 2026 · verified 29 Oct 2026) |
| Shipping | not applicable |  | mercuryo.io (checked 30 Oct 2026 · verified 29 Oct 2026) |
| Monthly fee | unknown |  |  |
| Annual fee | unknown |  |  |
| Top-up fee | not published |  | mercuryo.io (checked 30 Oct 2026 · verified 30 Oct 2026) |
| Crypto deposit fee | unknown |  |  |
| Crypto conversion fee | not published |  | mercuryo.io (checked 30 Oct 2026 · verified 30 Oct 2026) |
| Minimum conversion | unknown |  |  |
| Foreign currency fee | not published |  | mercuryo.io (checked 30 Oct 2026 · verified 30 Oct 2026) |
| Minimum FX fee | unknown |  |  |
| ATM fee | not applicable |  | spend.docs.mercuryo.io (checked 30 Oct 2026 · verified 29 Oct 2026) |
| Merchant-specific fee | unknown |  |  |
| Transaction fee | unknown |  |  |
| Cross-border fee | unknown |  |  |
| Withdrawal fee | unknown |  |  |
| Activation fee | unknown |  |  |
| Minimum top-up | unknown |  |  |
| Declined payment fee | unknown |  |  |
| Refund fee | unknown |  |  |
| Inactivity fee | 1.00 EUR |  | mercuryo.io (checked 30 Oct 2026 · verified 29 Oct 2026) |
| Minimum monthly spend | unknown |  |  |
| Inactivity rule | unknown |  |  |
| Card replacement | unknown |  |  |
| Plan waivers | unknown |  |  |
| **Cashback & rewards** |  |  |  |
| Cashback | unknown |  |  |

## KYC and limits

KYC: Full verification

### Full verification

- KYC complete at Mercuryo — Requires: E-mail, Phone number, Name and date of birth, ID document, Selfie / liveness, Source of funds; In some cases: Proof of address (conditional: Required documents depend on the end-user's country of citizenship.) — spend.docs.mercuryo.io (checked 30 Oct 2026 · verified 29 Oct 2026)

| Limits | Value |
| --- | --- |
| Spending per day | 10,000 EUR |
| Spending per month | 40,000 EUR |
| Single payment per transaction | 5,000 EUR |

### When is KYC needed?

- After a risk review at its own discretion, Mercuryo may request additional documents such as proof of source of funds. — mercuryo.io (checked 29 Oct 2026 · verified 29 Oct 2026)

## Availability

| Attribute | Value | Applies to | Source |
| --- | --- | --- | --- |
| Available in | Available in: European Economic Area |  | mercuryo.io (checked 29 Oct 2026 · verified 29 Oct 2026) |
| ↳ Standard | Available in: European Economic Area |  | mercuryo.io (checked 29 Oct 2026 · verified 29 Oct 2026) |
| ↳ by nationality | Available in: European Economic Area |  | widget.docs.mercuryo.io (checked 29 Oct 2026 · verified 29 Oct 2026) |
| ↳ by residence | Available in: European Union |  | widget.docs.mercuryo.io (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Residency requirement | EEA citizen or EU resident |  | widget.docs.mercuryo.io (checked 29 Oct 2026 · verified 29 Oct 2026) |

| Country | Available |
| --- | --- |
| Germany | available |
| Austria | available |
| Switzerland | not available |
| United States | not available |
| United Kingdom | not available |
| France | available |
| Spain | available |
| Italy | available |
| Netherlands | available |
| Türkiye | not available |
| Brazil | not available |
| Nigeria | not available |
| India | not available |
| United Arab Emirates | not available |
| Singapore | not available |

## Crypto

| Attribute | Value | Applies to | Source |
| --- | --- | --- | --- |
| Supported assets | DOT |  | mercuryo.io (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Number of supported assets | unknown |  |  |
| Top-up networks | Polkadot |  | mercuryo.io (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Spending order | unknown |  |  |
| Fiat top-up | unknown |  |  |

## Trust

| Attribute | Value | Applies to | Source |
| --- | --- | --- | --- |
| Issuer / BIN sponsor | Quicko Sp. z o.o. |  | mercuryo.io (checked 30 Oct 2026 · verified 29 Oct 2026) |
| Program manager | unknown |  |  |
| Headquarters | unknown |  |  |
| Support channels | unknown |  |  |

## Company and trust

- Brand on record since 04/2019

### Issuer

- Quicko Sp. z o.o
- Issues 1 card programme in our catalogue

### Transparency

- Transparency 30 %
- 3 of 17 key values not published
- Imprint / company details: no
- Public fee schedule: no
- Cardholder agreement: no
- Terms and conditions: no
- Terms with version or date: unknown
- Sources last checked 2026-10-30

## How the score is made up

31.59 of 100 · very weak. Weighted sum of the criteria, each 0 to 100 from proven values. A criterion without data is not scored and counts neutral, not as 0.

| Criterion | Weight | Part (0–100) | Points |
| --- | --- | --- | --- |
| Costs | 25 % | 25 | 6.3 |
| KYC and privacy | 20 % | 0 | 0.0 |
| Features | 15 % | 46 | 6.9 |
| Availability | 10 % | 23 | 2.3 |
| Rewards | 10 % | not scored | counts neutral (5.0) |
| Trust | 10 % | 62 | 6.2 |
| Community | 10 % | not scored | counts with the median (5.0) |

## News

Recent news about Mercuryo from the press and the provider's own channels, rated automatically.

- 28 Oct 2026: [Mercuryo Launches Swaps With 1,400 Crypto Conversion Routes](https://www.cointrust.com/market-news/mercuryo-launches-swaps-with-1400-crypto-conversion-routes) (CoinTrust) — Positive. Mercuryo launches Swaps with about 1,400 conversion routes; a product feature, not a card change.
- 28 Oct 2026: [Mercuryo launches Swaps for token conversions](https://thepaypers.com/crypto-web3-and-cbdc/news/mercuryo-launches-swaps-for-conversions-between-digital-tokens) (The Paypers) — Neutral. Mercuryo launches a Swaps product for token conversions; excludes US, UK and EEA users; not a card change.
- 23 Oct 2026: [TRON Adds Mercuryo Support for Cross-Chain Swaps Across 21 Networks](https://www.cointrust.com/market-news/tron-adds-mercuryo-support-for-cross-chain-swaps-across-21-networks) (CoinTrust) — Neutral. TRON adds Mercuryo cross-chain swap support; this is an integration, with no card terms affected.
- 22 Oct 2026: [Mercuryo Launches Swaps for Seamless Movement Between Digital Tokens](https://www.prnewswire.co.uk/news-releases/mercuryo-launches-swaps-for-seamless-movement-between-digital-tokens-302916738.html) (PR Newswire) — Positive. Mercuryo launches in-app token swaps with reported 1,400 routes; this is an app feature, not a card term change.

Headlines link to the original article. Sentiment and severity are an automated assessment of headline and summary, not a statement of fact; we do not store the articles.

## Changelog

- 30 Oct 2026: Score changed from 33.7 to 31.59.
- 30 Oct 2026: Score changed from 37.89 to 33.7.
- 30 Oct 2026: Score changed from 50.42 to 37.89.
- 30 Oct 2026: Discontinued on: July 11, 2026.
- 29 Oct 2026: Changes to limits.
- 29 Oct 2026: Score changed from 41.75 to 50.42.
- 29 Oct 2026: Changes to limits.
- 29 Oct 2026: Changes to KYC levels and requirements.
- 29 Oct 2026: Score changed from 53.13 to 41.75.
- 29 Oct 2026: Changes to KYC levels and requirements.
- 29 Oct 2026: Score changed from 59.83 to 53.13.
- 29 Oct 2026: New card image.
- 29 Oct 2026: New logo.
- 29 Oct 2026: Changes to licences.

Found an error or a missing value? Report it with a source: https://cryptocardss.com/en/mercuryo-card/report-an-error/

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- **Canonical URL:** https://cryptocardss.com/en/mercuryo-card/
- **As of:** 30 Oct 2026
- **Data licence:** CC BY 4.0 (https://creativecommons.org/licenses/by/4.0/)

Please cite: Source: cryptocardss.com (cryptovss), as of 30 Oct 2026, https://cryptocardss.com/en/mercuryo-card/