The euro prepaid card from a Mover crypto wallet: useful in the EEA, thin on disclosure and worried by reviews

Updated October 2026

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Trastra is a prepaid debit card in euro that you fund with cryptocurrency held in a Mover wallet. On paper it does one narrow job: hold euros, spend them at any Visa merchant, and hand you euros through ATMs across Europe. That job it does at a middling-to-poor standard of value — a EUR 9.00 fee to order the card, EUR 15.00 a year to keep it, a 3% penalty on anything bought in a currency other than the euro, and a card that arrives from an issuer most people will not recognise. In exchange you get a genuine EUR IBAN and a euro balance that does not depend on which blockchain you happen to be holding. For someone inside the European Economic Area who is already living on crypto and wants a plain euro card out of it, that is a real service and there is not an enormous number of them. For anyone who wants a low-fee everyday card, a card with cashback, or a card with clear published limits, it is a poor fit.

I went through Trastra’s public pages with a specific question in mind: could I live with this card? That meant checking who is eligible, what each fee is, how the money gets in, what happens when something goes wrong, and — since a card’s public pages are usually the most optimistic document its company will ever produce — what independent readers say. I found a real product with a real licence and several real gaps, plus a rating history that deserves a paragraph of its own.

The conditions described here are current as of October 28, 2026.

Verdict: 4.1 out of 10

My total for Trastra is 4.1 out of 10. That is not a rounding of a good score; it is a card that does the basic job without adding enough value to justify its costs and its thin disclosure. Here is the breakdown, criterion by criterion.

The audience note matters more than the number, so I will say it plainly: this card is built for residents of the EEA who want to fund a euro card from a Mover wallet. If that sentence describes you, keep reading, because the card may earn its place. If you are anywhere else, or you want the card to do more than convert crypto to euros and spend them, the sections below will tell you why I stopped recommending it to friends.

Will they give you the card?

You can get Trastra if you live in the 31 countries the company lists — Germany, France and the UK are among them — and it says it “will be available for all residents of the European Economic Area (EEA)”. Residents outside Europe: “Not at the moment.”

That is the whole eligibility story, and it is worth reading carefully rather than quickly. The rule appears to be based on residence, not citizenship: the phrasing is about residents of the EEA, and the page does not tie availability to nationality. Where that leaves someone living in the EEA on a non-EU passport is not spelled out on the page, and it is exactly the kind of question I would want answered before I sent documents to a company I had never used. Note also the asymmetry between the two sentences: full EEA availability is something that “will be” true, while non-European residents get a flat “Not at the moment.” Only the 31 listed countries are something you can rely on today.

The card itself is described as a “Prepaid debit card” accepted at Visa merchants worldwide. Whether a virtual card is issued is not specified, though the ATM function implies a physical card in your hand; I will come back to that in the everyday-use section. The currency is the euro.

One thing the page does not say is the single most important thing for anyone applying: the identity-check requirements are not stated. The page does not list documents, does not ask for proof of address, and does not give an age requirement. That is not the same as “no KYC” — this is a licensed e-money product in the EU, so checks are required by law as much as by company policy, and the app’s Visa identity check, 3-D Secure, 2FA and device authorisation all point to a real onboarding flow. It means that when you start signing up, you should expect to be asked for identity documents, and you should not expect the card page to have told you in advance what to have ready. Budget for a possible wait.

Fees: what it really costs to use the card

This is the section where Trastra is clearest and, consequently, where the card loses the most ground. The fees are published, specific and mostly unavoidable. Here they are in one place.

Two of those rows deserve a second look, because they will decide whether the card is worth anything to you.

The 3% currency conversion fee is charged on any card purchase made in a currency other than the euro, online or offline. If you travel outside the euro area and buy a coffee, you pay 3% on top of whatever the network rate turns out to be. For a card whose entire purpose is being a euro card, that is the cost you are most likely to meet and least likely to have thought about.

The yearly management fee is EUR 15.00, charged within 45 days of ordering. The card notes that Mover does not charge this fee — meaning the charge sits with the card entity rather than with the crypto brand — but the charge lands on your card either way. If you top up EUR 100 and spend EUR 60, you have paid EUR 9.00 to receive it and will owe EUR 15.00 at the end of the year regardless of how much of it you still hold.

Now three everyday payments, and which fees actually bite:

• A EUR 40 grocery shop in Berlin. No conversion, because the purchase is in the card’s own currency. The only fee that could touch you is none of them — this is the payment the card is cheapest for, and it is the only kind the card really wants you to make.
• A EUR 25 subscription billed in USD. Here the 3% applies, increasing the cost of the subscription. If you have several foreign-currency subscriptions, this fee is the single largest line in your monthly statement.
• EUR 100 in cash from an ATM in Paris. EUR 2.25 to withdraw, within the EUR 300 daily ATM limit. In a non-euro currency or outside the EEA, the same EUR 100 costs EUR 2.25 plus 3%, and some ATM providers add fees of their own on top — a cost the card cannot control and does not display to you in advance.

The ATM section deserves one further note because it is a common disappointment: the page confirms cash withdrawals are supported and that ATMs “across Europe” accept the card, but the fee and the allowance are also stated separately as EUR 2.25 for euros and EUR 2.25 plus 3% otherwise. There is no single free-cash allowance advertised, and no mention of how many free withdrawals, if any, come with the EUR 15.00 a year.

A last small thing about tiers: there is one card, no tiers, no options to compare. Early customers could order a “limited card design”, which tells you the card’s visual variants are limited edition rather than a product line. If you were hoping for a metal card or a tier that rewards you for spending more, that does not exist here.

Top up: how money gets onto the card

The card is “topped up using cryptocurrencies in your Mover wallet”. That sentence is the entire funding story, and it is where the biggest practical risk of using Trastra lives.

You hold crypto in Mover. When you top up, that crypto is exchanged into euros and the euros land on the card. The exchange itself is free, with the rate set at the transaction — you pay nothing to Mover for the conversion. What you are not told is which coins and which networks the card accepts, and that omission is not a detail. A stablecoin sent on the wrong network, or to an address the provider does not support, is a transfer that cannot simply be reversed: blockchain transfers are one-way, and the network has no mechanism for undoing one. Before you send anything, find out which coins are supported and on which networks, because a mistake here is a support ticket and possibly a loss.

Three further practical points:

• The EUR 9.00 card order fee is charged from your first top-up, so your first transfer comes in lighter than the amount you sent. It can be covered by Smart Treasury bonuses, which is a promotional credit rather than a discount on the fee.
• The top-up minimum is not stated, and neither are any fiat top-up options. If you wanted to load euros from a bank account rather than from crypto, the page does not say whether that exists. Everything on this card appears to run through crypto.
• Moving money back out is possible in two directions: the card can be used for “transferring money to local banks”, and it works at ATMs. But the fees for converting the balance back into crypto, and for closing the account and handling the balance, are not stated. If your plan involves taking your money out again, that exit cost is an unknown, and you should treat it as one when you decide whether to leave anything sitting on the card.

The card also has a dedicated personal EUR IBAN, so money can arrive by bank transfer as well as by crypto conversion. That is a genuine convenience — but since the card-order fee is taken from the first top-up and appears tied to funding, check what happens if you fund by bank transfer instead.

Paying with it every day

For a euro card in the euro area, daily use is unremarkable and largely fine. You pay at Visa merchants worldwide. You take euros out of ATMs across Europe. You have a real EUR IBAN, which means rent, salaries and direct debits can be pointed at it in the normal way. That is the whole promise and it is a promise the card keeps.

The everyday-use section is where I found the one soft spot in the reliability score. Google Pay and Apple Pay are reported to work with the card — but I need to be careful about where that comes from. That detail is unofficial: it comes from Trastra’s own self-description on its Trustpilot company page, not from the card page itself, and I have not confirmed it independently. Apple Pay works by replacing the card number with a device-specific number and a one-time code per payment, which is generally the safer way to pay by card; if it works on Trastra, it is worth using in preference to handing over the physical card.

No virtual card is named. If you are the kind of person who wants a card number for one-off online subscriptions, so that a leak does not expose your main card, that is not something this page promises. And no Apple Pay or Google Pay details, and no list of blocked merchant categories, appear on the card page — so you do not know in advance whether a given merchant will accept it. That matters more than it sounds: merchants can look up the issuer behind a card number and apply extra scrutiny when the issuer’s country differs from your billing address, and some decline prepaid or foreign-issued cards outright. It is the general shape of how prepaid cards behave everywhere, but here you have no published blocked list to consult first.

There is one more small thing: no rewards are described. Some crypto card batches promise cashback; this one does not mention any. You are paying EUR 15.00 a year and getting no stated rebate for it.

You will manage the card through mobile apps for Android and iOS, plus a web app at app.viamover.com. I did not read store ratings, so I cannot tell you what other users think of the software itself — only that these are the channels the company names. Where you get support if something goes wrong, I will cover below.

What can go wrong

Several things, and I want to separate what is a general feature of crypto cards from what is specific to this one.

Where the money sits. The card’s funds are held in a segregated account, which is the correct arrangement — but the page also states plainly that this e-money product is “not covered by the Deposit Insurance System of the Republic of Lithuania”. That is a specific, meaningful statement and you should read it as written. Bank deposits are insured; this is not a bank deposit. You are trusting an e-money institution, not a deposit guarantee scheme.

The issuer and the brand are not the same company. The card’s issuer is UAB “Finansinės paslaugos ”Contis“”, which holds e-money institution licence No. 53 from the Bank of Lithuania. Mover partnered with Trastra; Holyheld Labs is described as an authorised partner of Trastra Inc. That layered structure is normal in this category — the crypto brand is usually a front end and programme manager, while a licensed institution holds the card programme — but it means the entity whose name is on your statement is not the entity whose app you use, and if something goes wrong you may end up dealing with a support address that has never heard of your crypto wallet.

The reviews are the serious problem. Trustpilot reads 2.0 out of 5 across 747 reviews, with 5-star reviews at 65% and 1-star at 23%, and only seven reviews in the last 12 months. The pattern in the negative ones is consistent enough to matter:

• Blocked or frozen funds and denied withdrawals, reported across January to December 2025.
• Support that does not answer, with copy-paste replies, reported January to May 2025.
• A maintenance window during which the balance was inaccessible, reported March to June 2025.
• Worries about insolvency or closure, reported March to June 2025.

Two things I want to be careful about here. First, these reviews concern the Trastra service, not necessarily the Mover card — if you are an existing Mover user, they are alarming but not precisely about your product. Second, I found no dated official news confirming any of the worst of it: a search of official sources for complaints returned nothing relevant, and I could not verify the two most dramatic claims, an email about “Initiation of Insolvency Proceedings” against a related entity in March 2025 and a claim in May 2025 that the company is closing and police had opened bankruptcy proceedings. Those are third-party user reports and unverified. But they are unverified *and* they are the reason I have not put more than a small deposit on this card, and I think that is a fair way for a reader to weigh them too.

What could not go wrong, in the design. Three things a user can do if a payment looks wrong. A declined authorisation can leave a hold on funds for several days, typically up to seven. Every transaction is verified by Visa and 3-D Secure; login is by wallet password plus a one-time 2FA code; and new devices or browsers have to be approved by email. Freezing the card instantly from the app is not stated, so do not assume it is there.

The rules can move. Regulatory frameworks around crypto in Europe were still settling when this page was written. Providers that were already operating under national law could continue only until 1 July 2026 or until they received or were refused an authorisation, whichever came first; there is an interim public register of authorised providers and of entities flagged as non-compliant that you can check. A card like this depends on two licences — one for the crypto side and one for the payment card side — so a change on either side can affect the other.

The general risks, which are not this card’s fault. Crypto transfers are irreversible, so a deposit on an unsupported network can be lost or need manual recovery with no guarantee. Custodial platforms have a real history of failure — Mt. Gox, Coincheck and the Ronin Network between them account for reported losses well over a billion dollars — so holding crypto with a provider carries counterparty and hack risk. And if you fund a card with crypto you have held for a year or less, each payment that disposes of crypto is generally a taxable disposal measured in local currency at the value of the day. I am not giving tax advice; I am telling you the rule exists so you can ask someone qualified.

If you need support, there is an email at [email protected] and a knowledge centre at faq.viamover.com. The languages they answer in and their hours are not stated.

What to take instead

Trastra is not the only way to hold crypto and pay with it. The three below are the ones worth putting next to it, because each solves a different version of the same problem. I have kept their own published terms, and where a detail is not stated I have said so.

Lava — scored 7.1 out of 10. It attacks the fees that hurt most on Trastra. The Lava Card advertises “no annual fees”, and no FX fees and no FX spread, and no exchange fees or spread on Bitcoin buys and sells. You can spend at 150 million merchants in more than 150 countries. You can fund it with deposits in local currency or stablecoins, and it pays “up to 5% back in bitcoin on every purchase” — though the conditions on that are not stated. Its network and whether it issues a virtual or physical card are also not stated. If your main complaint about a crypto card is that fees eat it alive, this is the one to look at.

Based Visa Card — scored 6.9 out of 10. This one is honest about its costs too: no signup or annual fees, and a currency markup on non-USD spend that falls as you move up the tiers — 2.5% on Based Orange, 1.5% on HYPE, and 0% on Based Gold. You can deposit USDT, USDC, XSGD, SOL, HYPE or BASED, and the docs list the networks. It pays cashback in $BASED at the start of each month, and it offers a virtual card instantly after approval. Against that, its availability is wide but not universal: it is worldwide except a published list that includes the United States, Canada, Australia, the United Kingdom’s neighbours in Europe, and about 74 countries in total. And its rewards are promotional and can change — all benefits end when you begin unstaking.

Gemini — scored 4.9 out of 10, structurally different from the other two. It is a Mastercard World Elite credit card, not a prepaid one, so you pay it off in fiat rather than funding it from crypto. No annual fee and no foreign transaction fees. Rewards are the point: 4% on gas, electric vehicles and transit up to $300 a month, 3% on dining, 2% on groceries, 1% elsewhere, paid in crypto instantly, plus referral bonuses of $50 in crypto per referral. But who can get one is not stated on the card page, and its availability is famously narrower than the crypto cards’ — which puts it, for many readers, in the same “does not apply to me” box as Trastra does for non-European residents.

The pattern across all four is the same, and it is the lesson worth taking from this comparison: the card that converts crypto for you and gives you a euro balance is convenient, and convenience is what you pay for. Every one of these cards either removes fees or removes a licensing requirement, and you should know which one you are buying.

Who I would recommend it to

I would recommend Trastra to exactly one kind of person, and that is the audience the card was built for: someone who lives in one of the 31 listed European countries, already keeps their money in crypto inside a Mover wallet, and wants that money to become euros they can spend at a shop or take from an ATM without thinking about it. If you are that person, the card does its job. The euro IBAN, the free crypto-to-euro exchange and ATMs across Europe are a genuine convenience, and EUR 15.00 a year is not ruinous for a card you will actually use.

I would not recommend it to someone who plans to travel and spend in other currencies — a flat 3% on every non-euro purchase is too blunt a tool for that. I would not recommend it to anyone who wants cashback, a virtual card for online subscriptions, or published blocked-merchant list; none exist here. And I would not recommend it to someone whose main worry is whether their money will still be there next year, because an e-money product outside any deposit guarantee combined with a 2.0-out-of-5 review history with frozen-funds reports is not a combination I would want on anyone’s behalf.

My own approach, if I were using it, would be to treat the card as a small everyday pocket rather than as a home for money: keep a modest balance on it, use it inside the euro area, move larger sums out by bank transfer, and read the withdrawal-back-to-crypto costs once they are published, because they are not on the page now. If you are anywhere near the boundary of the 31 countries — an EEA resident in a country not yet listed, or living in Europe on a passport from elsewhere — write to [email protected] and ask, before you commit anything. And if you are outside Europe entirely, the answer is in the company’s own words: not at the moment.

Frequently asked questions

What is the Trastra card?

Trastra is a prepaid debit card in euro that you fund by converting cryptocurrency held in your Mover wallet. You spend the euro balance at Visa merchants worldwide, take euros from ATMs across Europe, and receive payments through a dedicated personal EUR IBAN. It is issued by UAB “Finansinės paslaugos ”Contis“”, which holds e-money licence No. 53 from the Bank of Lithuania. It is not a bank account.

How does the Trastra card work?

You hold crypto in Mover, and when you top up, that crypto is exchanged into euros and loaded onto the card. The exchange is free, with the rate set at the transaction. From then on the card behaves like an ordinary prepaid debit card: it spends only the balance you loaded, so it cannot overdraw. Payments online are checked by Visa and 3-D Secure, and logging in needs a password, a 2FA one-time code, and email approval of new devices.

Who owns Trastra?

Several names appear and they are not interchangeable. The card issuer is UAB “Finansinės paslaugos ”Contis“”, a licensed Lithuanian e-money institution. Mover is a partner of Trastra, and Holyheld Labs is described as an authorised partner of Trastra Inc. In practice the crypto brand runs the app you use while a licensed institution holds the card programme — a normal arrangement in this category, but worth knowing when something goes wrong.

Is Trastra a bank?

No. It is an e-money product, and the page is explicit that it is “not covered by the Deposit Insurance System of the Republic of Lithuania”. Your balance is held in a segregated account, which is the correct safeguard, but that is not the same as a bank deposit and it does not carry deposit-guarantee cover. If the presence or absence of deposit insurance matters to you, treat that as a reason to keep the balance small.

Does Trastra require KYC?

The card page does not say. It lists no documents, no proof of address and no age requirement — but it is a licensed EU e-money product, so identity checks are required by law regardless. What the page does confirm is that there is a Visa identity check, 3-D Secure, two-factor authentication and device authorisation. Expect to be asked for identity documents when you sign up, and expect the possibility of a wait.

Which countries can I get the Trastra card in?

Thirty-one listed countries, including Germany, France and the United Kingdom, and it says it “will be available for all residents of the European Economic Area (EEA)”. Residents outside Europe: “Not at the moment.” The rule appears to be based on residence rather than citizenship, and the EEA-wide availability is a stated intention rather than something live today. If you are near that boundary, ask before you apply.

How much does the Trastra card cost?

Ordering costs EUR 9.00, charged from your first top-up, and delivery is free. The card management fee is EUR 15.00 per year, first charged within 45 days of ordering. A purchase in a non-euro currency costs 3%, an internal card-to-card transfer EUR 0.20, a euro ATM withdrawal EUR 2.25 and a non-euro or outside-EEA withdrawal EUR 2.25 plus 3%. The crypto-to-euro exchange itself is free.

How do I top up the Trastra card?

You top up with cryptocurrency from your Mover wallet, and the crypto is exchanged to euros for free. The coins and networks accepted are not named on the page, which is the detail to sort out first — a transfer on an unsupported network is irreversible and can mean a support ticket or a loss. The top-up minimum is not stated, and neither are fiat top-up options. The card order fee comes out of your first top-up.

Can I use the Trastra card with Apple Pay or Google Pay?

Unofficially, yes — Trastra’s own description on its Trustpilot company page says the card works with both, though the card page itself does not confirm it, so treat it as unverified. No virtual card is named, so if you want a throwaway card number for online subscriptions, this is not the product for that. For everyday safety in any case, paying through a phone wallet is preferable to handing over the physical card.

Is the Trastra card safe?

It has the standard safeguards: 3-D Secure on every transaction, 2FA, email approval of new devices, and funds held in a segregated account — though not covered by Lithuania’s deposit insurance. What I cannot reassure you about is the service’s track record. Trustpilot reads 2.0 out of 5 from 747 reviews, with reports of frozen funds, refused withdrawals and unresponsive support through 2025, plus unverified third-party claims about insolvency proceedings. Treat it accordingly: small balance, and ask before you rely on it.

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