The Trastra card, walked through the way a real reviewer would walk through it: eligibility, fees, top-up, daily use, and the complaints you should read before you apply

Updated October 2026

Licensed

Available in US

Fast payouts

18+ Only

If you are weighing up the Trastra card, you probably already know it is one of the smaller names in the crypto-card market, and that the parent group behind it has had a bumpy public year. The card itself is a euro prepaid Visa, sold through a partnership between Trastra and a wallet called Mover, with the actual piece of plastic issued by a Lithuanian e-money institution. That sentence is the whole shape of the product, and almost every question you have about it falls out of it. Who can get one, what it costs, how the crypto side connects to the card side, and what happens if the company that sits in the middle stumbles.

I went through the card’s own pages, the Mover knowledge base, the Trustpilot profile, and the public statements from the issuer, and what I have put below is the result. I have not applied for the card and I have not used one, so the everyday-use section is drawn from the official product pages and from how the fees are described, not from personal testing. Where a fact comes from somewhere other than the card’s own site, I have flagged it as unofficial and unconfirmed.

The conditions below are current as of October 28, 2026.

Verdict

My final score for the Trastra card is 4.1 out of 10. That number comes from weighing five things against each other: who can actually get the card, what it costs to run, how you fund it, what everyday use looks like, and the risk picture around the company behind it. The card does a few things right, namely it is a real Visa, it settles in euros, and it has a free crypto-to-euro exchange inside the Mover wallet. But the price you pay for those things, between the EUR 9.00 order fee, the EUR 15.00 yearly maintenance fee, the 3% non-euro conversion, and the EUR 2.25 ATM charge, is not competitive in 2026, and the operational signals from customers on Trustpilot are poor enough that I would not call it a safe default for someone who has only this one card.

The card fits a fairly narrow reader: someone who lives in the EEA, already has or is willing to use the Mover wallet, mostly pays in euros, and is comfortable with a prepaid model where the issuing company is the counterparty. If that is not you, the rest of this review explains which fee or rule will hurt you first, and which alternatives to look at instead.

Will they give you the card

Eligibility is the first practical question, and the answer is more limited than the marketing might suggest. The Trastra card page lists thirty-one countries where the card is currently available, including Germany, France and the United Kingdom, and adds that it “will be available for all residents of the European Economic Area (EEA)”. For everyone outside Europe, the same page says “Not at the moment.” That phrasing matters: the rule is residence-based, not citizenship-based, and the gating is set by the issuer, not by the card brand. Visa itself is accepted worldwide, but the Trastra programme behind it is not.

A practical consequence: if you are a US resident, an Australian resident, or a resident of most of the rest of the world, you cannot apply, regardless of what Visa you have used before. The card’s own pages do not explain the residency test, so the simple way to read it is: confirmed and shipping in thirty-one named countries, promised but not yet live in the rest of the EEA, closed for now outside Europe.

There is no age, document or address list on the public page, and that is itself a signal. Regulated card issuers in Europe are required to run customer due diligence under anti-money-laundering rules, and that normally means an identity document, a proof of address, a date of birth and a sanctions check. The card page does not tell you what it will ask for; the only security promises listed are Visa Identity Check, 3-D Secure, two-factor authentication on login, and email confirmation of new devices. You should expect a full KYC flow when you actually sign up, but the page keeps it deliberately quiet.

The card itself is described as a “prepaid debit card” that works at Visa merchants worldwide. The currency is the euro, the official pages say, and the card has its own personal EUR IBAN. The form factor is not specified. There is no mention of a virtual card, and the only “card” option discussed is the physical one, with free delivery. The card FAQ on Mover suggests early customers could choose a “limited card design”, which implies a single product line rather than tiers, and the fees and limits all line up with a single card tier.

How to get it

The application flow is not written out step by step on the public page, so the practical way to describe it is to follow the order in which the fees hit you.

You start by creating a Mover wallet account and triggering the payment account creation, which is free. At that point you order the card, and the order fee of EUR 9.00 is taken from your first top-up, not up front. This is a small but real detail: the fee is contingent on you actually funding the card, so cancelling before top-up avoids it, but if you top up and then change your mind, the fee has already been deducted. The Mover knowledge base notes that the EUR 9.00 can be covered by Smart Treasury bonuses, which is a referral-style credit inside the wallet.

Delivery is free, and the card ships to the same thirty-one listed EEA countries. Delivery time is not stated, and the cost of a replacement if you lose the card is also not stated, so the safest assumption is to budget for a fresh order if anything goes wrong. The yearly maintenance fee of EUR 15.00 is billed from the card balance, and the first charge happens within forty-five days of ordering, regardless of how much you have used the card in the meantime. Mover’s help text says this fee is “not charged by Mover”, which is technically about the wallet’s own role but is also a reminder that the cost is driven by the issuer, not by the wallet front-end.

What is missing from the public page matters here. The card does not list which documents you will be asked to upload, what counts as proof of address, or how long verification takes. Activation is described only in security terms (Visa verification, 3-D Secure, 2FA), not in operational steps. If you want this to be a quick process, plan for it not to be.

What it really costs: the Fees

The fee structure is where the Trastra card starts to lose ground against newer prepaid and credit-style crypto cards. The headline numbers are small, but they stack up, and the worst ones sit on the actions a cardholder takes most often: paying in a currency that is not the euro, and pulling cash out of an ATM.

Two or three everyday scenarios make the cost easier to feel.

If you are on holiday in the UK and pay GBP 100 with the card, the 3% non-euro fee applies on top of the network rate, so the card balance goes down by roughly EUR 115 at the prevailing FX. That is the price of a small dinner, just in fees, and it is also the price of using the card for its main purpose if you travel at all. The euro IBAN does not protect you from this fee: the charge is triggered by the merchant’s currency, not by where the card is used.

If you take EUR 200 out of a local ATM in Berlin, the charge is EUR 2.25, which is a typical European ATM fee, but it is on top of any fee the ATM operator charges. The Mover help text warns that “some ATM providers may add fees”, which is the polite way of saying that EUR 2.25 is a floor, not a ceiling. For non-euro withdrawals the floor is EUR 2.25 plus 3%, and if you are outside the EEA you get both.

If you simply hold the card and never use it, you still pay the EUR 15.00 yearly fee from month 6 to 7, because the first charge is within forty-five days. There is no waiver for low activity, no statement credit, and no obvious way to avoid it short of closing the account.

The free crypto-to-euro exchange is the one bright spot. Where a lot of cards charge a 1% to 2% spread on top of the market rate when you convert inside the wallet, Trastra and Mover publish the rate at the moment of the transaction and apply no further fee, so the only cost of moving from crypto to euro balance is the spread inside that rate. Whether that rate is competitive is a question of timing and the order book, not a fixed markup.

How to Top up the card

The funding model is the most distinctive thing about the Trastra card, and it is also the part with the least information on the public pages.

The card is “topped up using cryptocurrencies in your Mover wallet”, which means the path is: you hold crypto in the Mover wallet, you convert it to euros inside the wallet, and the resulting euro balance is what the card spends. There is no fiat top-up route on the card page: no bank transfer, no card-to-card transfer from another Visa, no Apple Pay or Google Pay top-up. If you do not already have crypto inside Mover, you cannot fund the card. The Mover help text confirms that the card order fee of EUR 9.00 is taken from the first top-up, which is a way of saying the funding path is mandatory.

What the card does not tell you is which coins and which networks are supported. The public card page is silent on this, and the Mover knowledge base only describes the flow in general terms. For a card whose entire purpose is to bridge crypto and a Visa rail, that is a meaningful gap, because the answer determines whether the user pays ERC-20 gas, TRC-20 bandwidth, or Solana fees, and whether a wrong-network transfer is recoverable at all. Stablecoin transfers on a network the issuer does not support can be lost, and the standard advice is to send a small test first. With Trastra, the public documentation does not give you the information you would need to do that confidently.

The exchange itself is free, in the sense that Mover does not add a separate fee line on top of the rate. The rate is set at the moment of the transaction, which means it is a market order, not a limit order, so the price you get is the price at execution. For large conversions that is a real consideration.

The top-up minimum is not stated, so the safest assumption is to send enough to cover the EUR 9.00 order fee and a buffer for the EUR 15.00 yearly fee, plus whatever you actually want to spend. There is no fiat ramp listed, so anyone funding the card has to have come from a crypto purchase or transfer first.

Paying with the card every day

For daily spending, the Trastra card behaves like a fairly ordinary euro prepaid Visa, with the same strengths and weaknesses as that product class.

It is accepted at any merchant that takes Visa, which is effectively the global acceptance floor for a payment card. The card is a prepaid model, so it spends only what is on the balance: it cannot go overdrawn, and there is no credit line. That is the same model as most gift cards and travel cards, and it is also the same model as the bulk of the crypto-card market, where a crypto balance is converted to fiat and loaded before the card spends. The EUR IBAN is a real plus for direct debits, salary receipt and SEPA transfers within the EEA, and it makes the card feel more like a bank account than a single-purpose prepaid product.

Mobile wallet support is the part where the official story and the unofficial story diverge. The card’s own product page does not mention Google Pay or Apple Pay, so the official answer is that this is not a documented feature. Trastra’s own self-description on its Trustpilot company page, which is a third-party site and not the card’s own page, says the card can be used with Google Pay and Apple Pay. I have treated this as unofficial and unconfirmed. If mobile wallet support matters to you, treat it as something to verify in the app after you have signed up, not as a feature you can rely on from the marketing.

A virtual card option is not mentioned anywhere on the official pages, which is unusual for a 2026 crypto card. Most competitors offer an instant virtual card for online use while the physical card is in the post, and the absence of one here is a small but real friction: until the physical card arrives, the only way to spend the balance is to move it to a SEPA recipient via the IBAN.

Rewards are not advertised, and the card has no cashback programme listed on its own page. The card page makes no promise of crypto cashback, so you should not expect to earn anything back on spending. A few cards in this category do offer small Bitcoin or stablecoin rewards, which is something to keep in mind when comparing this card to the alternatives below.

App support is in place: there are mobile apps for Android and iOS, plus a web app at app.viamover.com. Store ratings were not read for this review, so the day-to-day reliability of the app is not something I can vouch for. Disputes and chargebacks are also not described on the public page, and the prepaid card class has weaker chargeback rights than credit cards in several jurisdictions, so a purchase that goes wrong is not automatically recoverable.

What can go wrong

This is the section that drops the score the most, and it is worth taking slowly.

The card is issued by UAB “Finansinės paslaugos ”Contis“”, an electronic money institution that holds EMI licence number 53 from the Bank of Lithuania. That licence is real and verifiable on the Bank of Lithuania’s public register, and it means the issuer is regulated, audited and required to safeguard customer funds in segregated accounts. The same EMI licence framework also means customer funds are not deposits and are not covered by the Lithuanian Deposit Insurance System. If the issuer fails, your balance is a creditor claim, not a guaranteed payout.

The wallet and brand side is less tidy. Mover is described as a partner of Trastra, and Holyheld Labs is described as an authorised partner of Trastra Inc., so the Trastra name sits in the middle of a small group. The Trustpilot profile for the Trastra service sits at 2.0 out of 5 from 747 reviews at the time of writing, with 65% five-star reviews and 23% one-star reviews, and only 7 reviews in the last 12 months. The five-star cluster is large in absolute terms, but the one-star cluster contains the operational complaints that matter most.

The pattern of complaints, drawn from Trustpilot user reports dated roughly January to June 2025, falls into four buckets. The first is blocked or frozen funds and denied withdrawals, with users describing balances they could not move out and support tickets that went nowhere. The second is unresponsive support, with users getting the same copy-paste reply over weeks. The third is a maintenance window during which balances were inaccessible, sometimes for weeks at a time. The fourth is insolvency or closure worries, triggered by a March 2025 email reported by users about “Initiation of Insolvency Proceedings” against a related entity, and May 2025 claims that the company is closing with police information about bankruptcy proceedings. These are user reports, not findings by a court, and they concern the wider Trastra service rather than the Mover card specifically, so the question of whether the Mover programme is the same legal entity as the one in the insolvency notice is something I could not resolve from public sources. I am flagging it because a reader making a decision with several hundred euros on the line should know it exists.

On the security side, the card uses Visa Identity Check and 3-D Secure on every transaction, two-factor authentication at login, email approval for new devices and segregated funds at the issuer. There is no mention of an in-app freeze toggle, no spend-cap control beyond the limits in the table above, and no real-time push notification policy. The card is also a Visa, which means the network’s own rules apply: an issuer can wind down a programme, block merchant categories such as gambling, and decline authorisations for any reason, and the user has very limited room to negotiate.

The honest reading of the risks is this. The regulated layer is sound: the issuer has a real Lithuanian EMI licence and segregates funds. The brand layer is shaky: the public reputation is poor, the legal structure of the wider Trastra group is not clearly explained, and the existence of an insolvency notice against a related entity is the kind of fact you want to read before you put significant funds on a card. A user who treats the card as a small, refillable spending balance rather than a primary account is taking on a much smaller version of the same risk than a user who parks a salary on it.

What to take instead

For most readers the more useful question is not “is the Trastra card good” but “is there a better card for my situation”, and the three alternatives below cover the most common cases. The scores and notes are drawn from the same kind of public-page review I have just done for Trastra, so they should be read as comparable but not as definitive.

The Gemini card is a Mastercard World Elite credit card, so it is a different product class: you pay the balance in fiat, and the rewards are paid in crypto on Gemini’s platform, with the rate set at Gemini’s discretion. There is no foreign transaction fee and no annual fee, which makes it stronger than Trastra on travel spending if you can use it. Eligibility and exact form factor are not stated on the public card page, so the score is held back by uncertainty, not by the product itself.

The Lava card is closer in spirit to Trastra: it spends at 150 million merchants in 150+ countries, has no annual fees and no FX spread on the public page, and offers up to 5% back in bitcoin on every purchase. Its score is the highest of the three, and it is the natural alternative for a European user who wants the cheapest bridge from stablecoins to a Visa card and is comfortable with the Lava brand.

The Based Visa is the broadest in geography. It is available worldwide except a published list of about 74 countries that takes effect on 1 August 2026 and includes Russia, Belarus, the United States, Canada, Australia, China, India, Singapore, Ukraine, Iran and Turkey. The reward structure is more elaborate than Trastra’s: 2% to 4% cashback in $BASED, AI subscription rebates, and entertainment rebates, all paid monthly and conditional on continuing to stake the platform’s token. The trade-off is the published block list and the requirement to hold $BASED to keep the rewards.

None of these is a perfect substitute, and the right answer depends on where you live, what currency you want to spend in, and whether you want a credit card or a prepaid card. The Trastra card’s specific advantage is the euro IBAN and the free crypto-to-euro exchange inside Mover. Its specific disadvantage is the combination of order fee, yearly fee, 3% non-euro charge and the operational risk around the parent group.

Who I would recommend it to

The card earns its place for a narrow reader, and only for that reader.

If you live in one of the thirty-one listed EEA countries, hold crypto in the Mover wallet, and want a euro-denominated Visa with a real IBAN for direct debits and SEPA transfers, the Trastra card does the job, and the free crypto-to-euro exchange is a genuine cost advantage over cards that charge a 1% to 2% spread. The yearly fee of EUR 15.00 is roughly comparable to other prepaid euro cards, and the EUR 9.00 order fee is on the low end if you plan to use the card for more than a year.

If you travel outside the eurozone often, the 3% non-euro fee is the dealbreaker. Pay a hotel in Swiss francs and the fee is roughly the cost of a coffee. Pull cash out of an ATM in Prague and you pay EUR 2.25, which is acceptable, but the moment you do the same in a non-euro country the floor becomes EUR 2.25 plus 3%. For a traveller, a card with no foreign transaction fee and a reasonable ATM charge is the better fit.

If you want a card to be your primary account, the Trastra card is not the right choice. The Trustpilot pattern, the operational complaints and the existence of an insolvency notice against a related entity are too much background radiation for a primary balance. A reader who needs a primary account should look at a regulated bank or at one of the alternatives above, and treat the Trastra card as a small secondary balance if at all.

If you are deciding between the Trastra card and the Lava card, the honest comparison is on price: Lava has no annual fee, no FX spread and a 5% bitcoin reward, and it works in 150+ countries. Trastra has a yearly fee, a 3% FX charge and no reward programme. For most readers, Lava wins on cost. Trastra’s edge is the EUR IBAN and the Mover ecosystem, and that is what justifies a preference for it.

My own recommendation, were I advising a friend, would be: use the Trastra card only if you already use Mover, only if you spend in euros most of the time, and only with a balance you are comfortable having frozen for a few weeks if the support queue gets long. The card is functional, the issuer is regulated, and the fee structure is no worse than average for the prepaid euro card class. It is not, however, a card to put your emergency fund on, and the public complaint record makes that a clear-eyed conclusion rather than a cautious one.

Frequently asked questions

What is the Trastra card?

The Trastra card is a euro-denominated prepaid Visa debit card, sold through a partnership between the Trastra brand and a wallet called Mover. The physical card is issued by a Lithuanian e-money institution called UAB “Finansinės paslaugos ”Contis“”, and the cardholder holds a euro balance that is funded by converting crypto held inside the Mover wallet.

How does the Trastra card work?

You hold crypto inside Mover, convert it to euros inside the wallet at the prevailing rate, and the resulting euro balance is what the card spends at Visa merchants worldwide. The card cannot go overdrawn, because it is a prepaid product, and the euro balance sits behind a personal EUR IBAN that can be used for SEPA transfers in and out.

Is Trastra a bank?

No. Trastra is a card programme brand, and the card itself is issued by an electronic money institution, not a bank. That matters for two reasons: EMI funds are safeguarded but are not covered by a national deposit guarantee scheme, and the issuer cannot lend, so there is no credit line or overdraft on the card.

Who owns Trastra?

The Trastra name sits inside a small group that includes Mover and Holyheld Labs, with Mover described as a partner and Holyheld Labs as an authorised partner of Trastra Inc. The card programme is operated by the issuer, UAB “Finansinės paslaugos ”Contis“”, which holds an electronic money institution licence from the Bank of Lithuania. The wider group structure is not fully laid out on the public pages, which is itself a reason to read the small print before funding the card.

Where is the Trastra card available?

The card’s public page lists thirty-one countries where it is currently available, including Germany, France and the United Kingdom, and says it “will be available for all residents of the European Economic Area (EEA)”. For non-European residents, the same page says “Not at the moment”, so the practical answer is: confirmed and shipping in the named EEA list, promised for the rest of the EEA, closed for now outside Europe.

How do I apply for the Trastra card?

The public page does not describe the application step by step. The practical path is to create a Mover wallet, complete the verification that the app asks for, order the card, and top it up with crypto from inside the wallet. The EUR 9.00 order fee is taken from that first top-up, and delivery is free to the same thirty-one EEA countries.

Does the Trastra card require KYC?

The card’s own page does not list the documents it asks for, but because the issuer is a regulated e-money institution in the EU, customer due diligence under anti-money-laundering rules is required in practice. Expect to provide an identity document, a proof of address and a date of birth, and to be screened against sanctions lists. Verification times are not stated on the public page.

How do I top up the Trastra card?

The card is funded by converting crypto held inside the Mover wallet to euros, with the exchange rate set at the moment of the transaction and no additional fee charged by the wallet. There is no fiat top-up route listed on the card’s public page, so the card has to be funded from crypto, and the supported coins and networks are not named on the public documentation.

How do I add the Trastra card to Apple Wallet or Google Pay?

The card’s own product page does not mention mobile wallet support, so on the official record this is not a documented feature. Unofficial reporting on Trastra’s Trustpilot company page suggests the card can be used with Google Pay and Apple Pay, but I have not confirmed this myself and it should be treated as unofficial. The safest approach is to verify in the Mover app after sign-up, not to assume it from the marketing.

Is the Trastra card safe?

The card is issued by a regulated Lithuanian e-money institution that holds customer funds in segregated accounts, and every transaction is verified by Visa and 3-D Secure, with two-factor authentication on login. On the brand side, however, the public reputation is poor: a 2.0-out-of-5 Trustpilot score, reports of frozen funds and denied withdrawals, and a third-party insolvency notice against a related entity. The regulated layer is sound; the brand layer is shaky, and the card is best treated as a small spending balance rather than a primary account.

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