Как да харчиш изгодно Биткойн? Най-добрите криптокарти за българи през 2025 година

02/08/2025 | 20:30

Introduction: Can you pay with Bitcoin the same way you pay with regular money?

Until just a few years ago Bitcoin was seen mainly as an investment tool – something you buy and hold long-term. Today, however, more and more people want to use the cryptocurrency in everyday life – to pay in a shop, book a flight, stream Netflix, or grab lunch at a restaurant.

How is that possible?

You don’t have to sell Bitcoin on an exchange and wait for a bank transfer each time. Modern crypto cards let you pay just like with an ordinary debit card – the conversion from BTC to euro (or lev) happens automatically in the background.

In this article we’ll cover:

- how these cards work,

- what to check before you pick one,

- which options really work in Bulgaria and are practical in 2025.

You’ll find both full-fledged crypto wallets with a card and popular apps that let you spend crypto day-to-day.

How do crypto cards work?

A crypto card is a convenient way to spend your crypto assets. It functions like a standard Visa or Mastercard, with the difference that the money comes from your crypto wallet, not your bank account.

What happens at checkout?

- The amount is automatically deducted from your BTC balance (or another coin),

- converted to euro (or another currency),

- and the transaction goes through like any card payment.

Everything takes milliseconds – just tap your phone or card on the terminal.

And if you pay in leva? – It still works.

Most cards are denominated in euro, but auto FX lets you pay in BGN with no fuss – the system calculates the rate and debits the exact sum.

Does it work everywhere?

Yes – as long as the card is valid in the EU. Some even offer an IBAN for SEPA transfers and ATM cash-outs.

What to check before ordering a crypto card?

Cards aren’t identical – they differ by currency, fees, limits, and true BTC support. Consider:

- Does it support direct BTC conversion?
Some cards require manual exchange before loading them. Automatic conversion (like Trustee Plus) is easier.

- What are the conversion fees?
Look for transparent terms – e.g. a fixed 0.5 % fee.

- Can it handle BGN payments?
If you pay in leva, the card should process that automatically without a bad rate.

- What’s the onboarding process?
Are extra documents needed? Is there a Bulgarian interface?

- Can it be added to Google/Apple Pay?
For many people this is now standard – don’t skip the check.

Ranking the most convenient crypto cards

1. Trustee Plus + Quicko Digital

Full control: wallet, card and IBAN – all in one place

Trustee Plus is the strongest solution for users in Bulgaria. It combines a mobile crypto wallet, SEPA transfers, exchange, and a physical/virtual card – all in one app.

- Supported assets: BTC, ETH, USDC, XRP, TRX, SOL
- 24/7 swap: crypto → euro in seconds, 0.5 % fee
- Personal IBAN: receive and send SEPA payments
- Quicko Digital card: euro card that also handles BGN, Apple/Google Pay ready
- Limit: up to €50 000 per month
- No monthly or hidden fees

Trustee Plus is perfect for anyone who wants to use crypto easily, without exchanges or complex setups, and with full mobility. Incrypted rated it the best crypto wallet in Eastern Europe.

IBAN – a euro account always at hand

A unique advantage of Trustee Plus is the ability to create your own SEPA-zone IBAN. That lets you:

- send euro transfers for rent, tuition, services, or online shopping;
- receive payments – e.g. invoices or transfers from friends.

The IBAN is integrated with your EUR balance – swap crypto in Trustee, then wire it straight to a landlord, colleague, or your personal bank.

Quicko Digital crypto card – pay like you always do

If you want to pay in the supermarket, café, online store, or via mobile wallet – the Quicko Digital crypto card is an excellent pick. Issued in partnership with Trustee Plus, activation is free (promotion) and transferring funds from Trustee has no fee.

Auto FX means you can comfortably pay in BGN – the system handles everything. Compatible with Apple Pay and Google Pay; you only need your phone or smartwatch.

No monthly fees, no hidden conditions. A €50 000 monthly limit makes it practical for daily spending and larger purchases alike.

Who is this for?

Trustee Plus suits anyone who:

- wants secure, convenient crypto management and exchange;
- needs fast, efficient crypto-to-fiat conversion (for purchases or transfers);
- wants a debit card that works in Bulgaria without staking, tokens, or hoops;
- values easy-to-use apps with full functionality.

Swap BTC to euro, wire via IBAN, or tap-pay in the shop – all from one app, no hassles, no intermediaries.

Trustee Plus + Quicko Digital is currently the most functional, user-oriented choice for people in Bulgaria (and the whole EU) who want crypto that works in real life.

The Eastern European crypto-news platform Incrypted named Trustee Plus the best crypto wallet in its annual ranking.

2. Bybit Card

An exchange-branded card – for active traders
Works in euro, linked to your Bybit account. Supports BTC, ETH, USDC, etc.; mobile-wallet compatible.

+ Pros: handy if you already use the exchange
– Cons: needs KYC, no Bulgarian UI, not a standalone app

3. ZenGo

Modern non-custodial wallet with a virtual card
ZenGo uses biometrics instead of seed phrases. Supports dozens of coins and a virtual Visa.

+ Pros: innovative and simple
– Cons: no IBAN, no BGN support, English-only UI

4. BitPay

Minimalist, reliable card for everyday use
BitPay offers physical and virtual cards that work with BTC, ETH, USDC, and more. You preload the card, then spend like any Visa.

+ Pros: easy to use, strong reputation
– Cons: no BG UI, no auto crypto conversion on the fly

5. Revolut Crypto

A banking app with crypto features, but not a full wallet
Lets you buy/sell BTC and pay with the card, but you don’t control the keys and can’t withdraw to another wallet.

+ Pros: convenient for simple buy & spend
– Cons: limited functionality for true crypto users