Deblock Standard

The Deblock Standard Card is the free debit-card option attached to Deblock's Standard personal account. Deblock combines a euro electronic-money account with crypto services and a separate non-custodial wallet inside the same app.

Standard currently includes one physical debit card per year, one virtual debit card and up to three single-use virtual cards. The plan itself has no monthly or annual subscription fee, although physical-card delivery fees can apply.

The card uses systematic authorisation and spends from the available electronic-money account balance. It is therefore a debit card rather than a revolving credit card, even though the wider Deblock app also lets users buy, sell, swap and hold crypto.

Yes. Deblock's current fee schedule lists the Standard plan at €0, with no account-management subscription fee.

The plan includes one physical debit card per year and one virtual debit card without an additional card-provision fee. Delivery costs may still apply when a physical card is shipped.

Free does not mean every service costs zero. Standard users currently pay 1.99% to buy, sell or swap crypto, can pay fees after exceeding monthly ATM or foreign-currency allowances, and pay 0.5% on card top-ups above €2,000 per calendar month. Users should therefore compare the free subscription with their expected usage.

No. Deblock's current July 2026 fee schedule lists card-payment cashback as not included on the Standard plan.

Cashback is currently reserved for Premium and Native, where Deblock publishes rewards of up to 1% on eligible card payments. This is one of the clearest differences between the free Standard tier and the paid Premium plan.

Standard users can still use the debit card normally and access Deblock's payment and crypto features, but they should not value the card as a recurring cashback product. Any separate promotion should be treated as temporary unless Deblock updates the core fee schedule.

Deblock Standard currently includes one physical debit card per year and one virtual debit card. The physical card itself is provided without an additional card-provision fee, although delivery charges can apply.

Standard also includes up to three single-use debit cards. These disposable card credentials are designed for situations where you do not want to reuse your permanent card number for an online purchase.

Premium and Native provide larger allowances, including up to three physical cards per year, ten virtual cards and unlimited single-use cards. Users who frequently create separate cards may therefore outgrow Standard more quickly than ordinary single-card users.

Deblock Standard currently includes one qualifying euro ATM withdrawal or €100 of withdrawals per rolling month without a Deblock withdrawal fee, whichever threshold is reached first.

After that allowance, Deblock charges 1% of the withdrawal amount with a minimum fee of €1 per withdrawal. The published free allowance applies to euro withdrawals in the euro zone at another bank's ATM using the international payment card.

ATM operators can impose their own surcharge independently of Deblock. Premium and Native have a substantially larger free allowance of up to three withdrawals or €1,000 per rolling month.

Deblock Standard currently includes up to €1,000 per calendar month of card payments in non-euro currencies without the standard non-EUR markup.

After that allowance, Deblock charges 0.5% on weekdays and 1% on weekends, using Europe/Paris time to determine the applicable rate. Ordinary euro merchant payments are free under the published schedule.

A separate 0.5% fee can apply to transactions processed under selected financial, money-transfer, stored-value, crypto, gambling, precious-metals and quasi-cash merchant categories. That special-category fee can apply independently of the normal foreign-currency allowance.

Yes. Deblock's current fee schedule includes Apple Pay and Google Pay for Standard users at no additional Deblock fee.

This allows eligible users to add the Deblock card to a compatible phone or wearable and make contactless payments without presenting the physical card. The virtual card can also be useful for online spending.

Using Apple Pay or Google Pay does not change the Standard plan's fees, lack of cashback or account balance. Wallet availability can still depend on the country and device, so users should follow the current Deblock setup instructions if card enrolment is unavailable.

The debit-card balance itself is not self-custodial crypto. Card payments spend from Deblock's regulated electronic-money account rather than directly from a wallet where only the user controls the private keys.

Deblock does, however, integrate a separate non-custodial crypto wallet in the same application. That wallet and the euro payment account should be treated as distinct components even though they appear in one interface.

This hybrid setup lets users manage bank-like payments alongside self-custodial crypto tools. Before moving funds, check which side of the app you are using, because custody, protections and transaction fees differ between the payment account and the crypto wallet.

Deblock's current fee schedule charges Standard users 1.99% to buy crypto-assets, 1.99% to sell crypto-assets and 1.99% to swap supported crypto-assets, including swaps on the same chain or across supported chains.

Premium reduces the published rate to 0.49%, while Native lists those crypto actions as free under the current fee schedule. Blockchain network costs can still exist separately where an on-chain transaction is required.

For users who trade frequently, this difference can outweigh the subscription savings from staying on Standard. Someone using Deblock mainly for euro payments and occasional crypto activity may still prefer the free plan.

Deblock Standard currently allows card top-ups without a Deblock fee up to €2,000 per calendar month. A 0.5% fee applies to amounts above that monthly threshold.

Eligible PayPal top-ups use the same published €2,000 monthly free threshold before the 0.5% fee applies. Other funding routes, such as SEPA transfers, have their own pricing and can be free.

Using the Deblock card to fund another financial account is different from topping up Deblock itself. Account Funding Transactions can have separate fixed and percentage charges, so users should check how the merchant categorises the transaction.

No. Deblock's current fee schedule lists NFT card customisation as not included on the Standard plan.

The feature is included at no additional Deblock fee for Premium and Native users. Standard users can still receive the normal physical debit card, subject to any applicable delivery charge, but do not receive the NFT-personalisation option as part of the free plan.

If card design is important, compare the total Premium subscription cost with how much you value the customisation and the other Premium benefits. Upgrading only for card artwork may not justify the annual cost for most users.

Deblock Standard provides a debit card with systematic authorisation. Purchases are authorised against the available balance in the electronic-money account rather than an unsecured revolving credit line.

That means users generally need sufficient money in the payment account before a card transaction can be approved. There is no normal credit-card statement where unpaid card purchases are carried forward with interest.

Deblock's crypto wallet does not change the classification of the card. Crypto can be managed separately in the app, but ordinary debit-card payments use the payment-account infrastructure.

Deblock Standard is available to eligible personal-account users in markets where Deblock currently provides its regulated payment services. Account opening requires identity, age, residency and compliance checks.

Deblock has officially operated or promoted onboarding in markets including France, Germany, Spain, Portugal and Belgium, while availability can expand or change over time. The options shown in the live app are the best guide to current eligibility.

The Standard plan being free does not remove KYC. Users need an approved Deblock account before the debit card and related payment features can be used.

Open a Deblock personal account through the official app and complete the required identity and residency verification. Standard is the free plan, so no paid Premium subscription is needed.

The current fee schedule includes one physical debit card per year and one virtual debit card for Standard. Physical delivery fees can apply and should be reviewed in the card-order screen before confirming.

Once active, the card can be managed from the Deblock app and used with Apple Pay or Google Pay where supported. Users can later upgrade to Premium if they need more cards, cashback, a larger ATM allowance or lower crypto trading fees.

Deblock Standard is strongest for users who want a free euro account and debit card with integrated crypto access but do not need premium rewards or frequent trading.

The plan includes one physical card, one virtual card, three single-use cards, Apple Pay and Google Pay, free euro card payments and a small free ATM and non-euro spending allowance. The main limitations are no cashback, only €100 of qualifying fee-free monthly ATM withdrawals and a 1.99% crypto trading fee.

Users with heavier crypto activity, frequent ATM use or high card spending should compare Premium. Light users can avoid a subscription entirely with Standard.