Blackcatcard Review: Is It Worth It?

Blackcatcard Review

In this Blackcatcard review, we will be examining whether or not Blackcatcard is a good fintech banking option.

Blackcatcard Review

Background And History

Blackcatcard is a mobile bank that offers an instantly ready EU bank account and a Mastercard, accepted worldwide.

The Blackcatcard is issued by Papaya Ltd. Papaya Ltd is Licensed by the Malta Financial Services Authority as an Electronic Money Institution (EMI) Registration number C55146.

Subscription Plans

There are two different Blackcatcard Accounts:

- Blackcatcard Personal
- Blackcatcard Business
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SEPA payments to another bank (account to account)

  • Free of charge up to 5 SEPA payments per month.
  • Starting from the 6th payment - EUR 0,20
  • Internal Payment (account to account) - 0 EUR
  • Internal Payment (card to card)- 0 EUR

Account maintenance fee

  • 0.00 EUR monthly, 5 free Interbank SEPA payments included
    (1 IBAN account + 1 card)
  • 2.00 EUR monthly, 5 free Interbank SEPA payments included
    (1 IBAN account + 1 card + additional cards)0.00 EUR Commission for using mobile bank per month

Commissions and limits on card transactions
  • Cash withdrawal at ATMs in the EU (Residents of EU): Free of charge up to 200 EUR/month (Then 1% of the withdrawal amount)
  • Cash withdrawal at ATMs in the EU (Non-residents of EU): 2% of the withdrawal amount
  • Cash withdrawal at ATMs outside the EU (Residents of EU): 1% of the withdrawal amount, minimum 1.50 EUR
  • Cash withdrawal at ATMs outside the EU (Non-residents of EU): 2% of the withdrawal amount, minimum 1.50 EUR
  • Daily cash withdrawal limit: 5 000 EUR
  • Monthly cash withdrawal limit: 10 000 EUR
  • Card Top Up: 3,5%
  • Dormancy fee: 15 EUR
    (Monthly fee after no transactions for more than 6 months)

Account closure
  • 2 euro if less than 2 months have passed since the opening of the account
Account closure
  • 7,00 EUR
Extra fee if the name on the additional card is different from the main card
  • 5,00 EUR
Reissue of the card at the request of the client
  • 7,00 EUR
Account statement in paper format
  • 5,00 EUR
Card express delivery
  • The price depends on the client’s address and it's shown on the App before placing an order.


Accrual of bonuses for operation on the account and card operations

  • 2.2% per annum under the following conditions:
    (The minimum average monthly balance for bonus accrual is 300 EUR, the minimum card turnover per month is 200 EUR. The limit on the accrual of bonuses - on the amount of the average monthly balance over 100,000 EUR bonuses are not accrued. Bonuses are accrued monthly, based on the average monthly balance).

Cashback for card purchases (excluding ATM withdrawals and transfers)

  • 0.1% (min payout 0,05 EUR per month)

Blackcatcard Pros & Cons

Blackcatcard: Pros

  • No signup fees
  • 2.2% per annum interest or 0.1% cashback on card purchases
  • 24/7 fast and effective customer support
  • In-app crypto trading
  • In-app crypto wallet
  • €45 Bonus for new customers

Blackcatcard: Cons

  • Unable to hold other currencies apart from Euros and crypto
  • High fee for card top-up
  • Some customers report delays with incoming transfers
  • Users have reported issues when using their crypto services
  • Many negative online reviews

Blackcatcard Review: Verdict

The Blackcatcard is a very good fintech banking option, it has very helpful and responsive customer support.

It has some outstanding advantages over its competitors, it has no sign up fees, you can choose to either earn a 2.2% annual interest or a 0.1% cashback on your card purchases, on top of that, you can also trade and hold cryptocurrencies in your app, it would be great if the Blackcatcard allowed its users to hold more currencies such as US Dollars.

The sign up process has some AI issues, if you encounter these problems while trying to sign up, just be patient and keep trying, eventually, it will work.

When topping up your card, we suggest you do it by bank transfer, by doing so, you will save on the 3.5% card top-up fee.

If you ever encounter issues or delays with incoming transfers, make sure to get in touch with the Blackcatcard 24/7 customer support, they are extremely responsive and very helpful!

If you'd like to get a Blackcatcard account with a free card, free delivery, and earn €45 sign up bonus, simply follow the link below!


Blackcatcard Review 4
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  1. Linda on August 11, 2022 at 3:20 pm

    When did they get the dormancy fee?


    • Dalton Rush on August 11, 2022 at 11:18 pm

      We’re not sure, I believe they got it shortly after launch.

  2. EMMANUEL OMIOJIEAHIO on March 13, 2022 at 1:45 pm

    What is the maximum amount bank transfer

    • Dalton Rush on March 13, 2022 at 2:19 pm

      I believe there is no limit for bank transfers, do contact them in order to make sure.

  3. L1805 on November 25, 2021 at 11:45 am

    My XRP withdrawal from BlackCatCard was stuck for 3+ days. Support cannot resolve this issue. Has anyone encountered such a problem and what to do?

  4. Igor on November 4, 2021 at 6:09 am

    I have the same problem for 800 euros
    btc from the wallet went to exchange
    and disappeared
    4 days have passed, no btc or euro
    support is just playing for time and promises that money will come soon

    • RushRadar on November 4, 2021 at 2:19 pm

      Hi Igor,
      Have you tried contacting them via the live chat? They are usually very fast? Can you give us some more details about what explanation they gave you? Hope they sort it out.

      • Igor on November 7, 2021 at 12:40 pm

        Of course I chat with them
        They say they have a problem with a partner.
        6 days have passed – no change
        Apparently this is 100% scam

        They only write:

        We apologize for any inconvenience this may cause. We will expedite the processing and let you know via chat when the problem has been resolved.

        • RushRadar on November 7, 2021 at 2:49 pm

          Let us know when you have some news, from what users have been reporting it seems there’ve been some problems with crypto-related issues, have you tried using Binance and KuCoin for crypto?

  5. András on September 2, 2021 at 2:04 am

    Im unable to even open an account. They cant handle hungarian letters in my name lol. I wont trust them, so unprofessional.

    • RushRadar on September 2, 2021 at 2:23 am

      Thank you for sharing your experience with them, we’ll keep it in mind for an updated review.

  6. Roy on June 30, 2021 at 7:58 am

    DO NOT use them , they scam company! They working with crypto but big problem starting when you trying to sell crypto, they processing transactions non limited time , when you trying to get answers from support they answering like robots ” as soon as possible ” ” we will try to speed it” but in the end you cant get your money, they frozen them without reason and always trying to find reason why you have to wait , as crypto wallet they have to complete very fast transactions because of rate , but they do not care about all those terms ,also they will try to explain about limits but in one answer you will have answer we have 1btc limit daily but in second answer from other support agent you will receive answer about different limits like 2000k euro , so how company with so not professional people can protect our money?! Answer they cant even if they have malta license it not mean nothing just because they will scam you and you will receive million storys about how papaya working and why your money protected but dont believe it fake answers! Just dont try to use them if you care about your money

    • RushRadar on June 30, 2021 at 7:16 pm

      Hey Roy!
      Keep us updated and let us know if Papaya is able to solve your issue, hopefully, they’ll sort it out.

  7. Rob on May 27, 2021 at 7:45 pm

    I got a blackcat card , topped up 6 euros and was charged 21 cents then 5.79 partial transaction fee leaving 0.00 which left me concerned that if I topped up more would the same thing happen?

    • RushRadar on May 27, 2021 at 8:24 pm

      Hi Rob,
      Topping up with a card has a 3.5% fee, if you want to avoid this fee you should choose to top up via bank transfer.

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I'm a filmmaker with extensive training in multiple sectors of content creation whose films have been shown all over the world. I have also served as a speaker and jury member in multiple events. Nonetheless, in recent years, I became extremely disappointed with the course of the art world in general, and as consequence, I've developed an interest in topics I believed would become crucial for the future, namely, cybersecurity, self-education, web design, and investing in various assets, such as cryptocurrencies. All those events have driven me to launch RushRadar.