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Mercuryo Spend Card

Name: Mercuryo Spend Card
Brand: Mercuryo Spend Card

A virtual Mastercard for spending crypto from Ledger Live in supported EEA countries.

Mercuryo Spend Card is a partner-distributed digital Mastercard available through Ledger Live for supported EEA users. Crypto is converted to a fiat card balance during funding, identity verification is required, and Apple Pay or Google Pay supports in-person use. Current public materials do not provide a complete consumer fee, ATM or physical-card schedule.

fintech EEA

How to evaluate this card

Best for

Mercuryo Spend Card is most relevant for users comparing a card on Mastercard with hybrid custody account mechanics, KYC-required onboarding and availability around EEA.

Watch out

Check live provider terms for FX costs (unclear FX fees), rewards (unclear rewards), ATM limits and country eligibility before applying, especially if rewards or delivery depend on a tier or rollout status.

Compare before applying

Compare the funding path (Crypto through Ledger Live), card format or delivery terms (Virtual only), supported currencies and wallet model against similar cards before moving funds or completing onboarding.

Fees and live terms to verify

FX fee

Not available

Check whether provider conversion, network or settlement rules add extra cost.

Monthly fee

Free with regular activity; fair-usage fee may apply, amount not published on the current page

Some cards are free to hold, while others move costs into tiers or issuing fees.

ATM and cash access

Not available

If ATM use matters, verify cash withdrawal availability, fees and limits before relying on the card.

Funding

Crypto through Ledger Live

Confirm supported funding assets, networks and settlement timing in the live provider flow.

Provider card terms can change. Always verify the live fees, limits and eligibility before applying or moving funds.

Feature Overview

Mercuryo Spend Card feature overview
Cashback	Not available
KYC	Required
Supported regions	EEA
FX fee	Not available
Currency	EUR
Card tiers	Not available
Delivery	Virtual only
Monthly fee	Free with regular activity; fair-usage fee may apply, amount not published on the current page
Top-up methods	Crypto through Ledger Live
Supported networks	Not available
Withdrawal options	Not available
ATM withdrawal fee	Not available

Key Features

The current Ledger flow issues a digital Mastercard after identity verification and funding.

Apple Pay and Google Pay enable in-person spending without a physical card.

Ledger publishes EUR 5,000 per-transaction, EUR 10,000 daily and EUR 40,000 monthly spending limits.

Regional Availability

Available

EEA

Restricted

None listed

Not specified

None listed

Pros

Good: Mastercard network
Good: Ledger Live integration
Good: Digital card can be opened through the Ledger Live partner flow

Cons

Watch: Partner-wallet flow may confuse users
Watch: Current consumer fee details are incomplete
Watch: Public ATM and physical-card terms are not specified for the Ledger flow

General Questions

How does Mercuryo Spend work with Ledger?

Ledger's current product page says eligible EEA users can create and fund a digital Mastercard through the Card section in Ledger Live.

Does Mercuryo Spend have a monthly fee?

Ledger describes issuance as free with regular activity and notes that a fair-usage fee can apply. The current public page does not state the fee amount, so verify it in the live flow.