Trastra card, in plain terms
Available in US
The Trastra card is a euro prepaid card that draws on a balance you fund by converting crypto held in the Mover wallet. That much the product page states clearly. What it does not say is where the card sits in the wider crypto-card market, what you actually pay when you use it abroad, and what the steady trickle of bad reviews about frozen balances means for you as a cardholder. I read through the product page, the official fee schedule, the relevant licensing information and a sizeable body of user reports to answer those questions, and the answer is a little more cautious than the marketing suggests.
The conditions described below are current as of October 28, 2026. Pricing, supported countries and available top-up methods are taken from the card’s own pages and from the published fee list; user-experience notes come from third-party review platforms and are flagged as such.
Verdict
Trastra ends up at 4.1 out of 10 in my scoring. The card is a real, regulated product: the issuer is UAB “Finansinės paslaugos ”Contis“” under an electronic money institution (EMI) licence from the Bank of Lithuania (licence No. 53), the network is Visa, and the balance is held in a segregated account. That is the right starting point for a card that turns crypto into something a shop can accept. The trouble is that the value-for-money, the breadth of top-up options, and the everyday experience do not rise to the level of the cleaner crypto cards on the market. The card issuance fee, the annual fee, the foreign-currency fee, and the ATM fee are all present at the same time, and several competitors with similar or stronger licences have dropped at least some of them. Then there is the user feedback: 2.0 out of 5 on Trustpilot from 747 reviews, with the most common complaint being funds that became inaccessible, often for weeks, and support replies that look automated.
If you live in the European Economic Area, hold most of your spend in euros, and you already use Mover for something else, the card can be a reasonable way to convert and spend. If you live outside Europe, want a wide choice of supported coins, need a strong mobile-wallet experience, or you are simply price-sensitive about card fees, you will probably do better elsewhere.
Score breakdown
| Criterion | Mark | Why it sits there |
|---|---|---|
| Who can get it | 5 / 10 | Available in 31 listed countries and rolled out across the rest of the EEA, but not outside Europe at the moment. |
| Cost | 3 / 10 | Card order EUR 9.00, EUR 15.00 annual fee, 3% on non-euro spending and EUR 2.25 per euro-area ATM withdrawal, with no clear monthly fee waiver. |
| Top-up options | 4 / 10 | Funded by converting crypto in the Mover wallet, but the specific coins and networks are not named on the card page. |
| Reliability and complaints | 3 / 10 | The card sits under a properly licensed EMI, but Trustpilot reviews describe frozen balances, denied withdrawals and unresponsive support. |
| Everyday use | 6 / 10 | Accepted wherever Visa is taken, with an IBAN and access to ATMs across Europe, but a virtual card and mobile-wallet support are not stated officially. |
| Total | 4.1 / 10 | A regulated euro card with a clear use case for Mover users in the EEA, weighed down by fees and user reports. |
The card is, in other words, a reasonable fit for EEA residents funding a euro card from the Mover wallet. Outside that small overlap of conditions, something else will suit you better.
Will they give you the card
Trastra’s product page states that the card is available in 31 listed countries (Germany, France and the UK among them) and that the intention is for the card “to be available for all residents of the European Economic Area”. As for non-European residents, the page is direct: “Not at the moment.” That last line matters: it rules out the rest of the world, including the US, the UK once it leaves the EEA perimeter, Latin America, Africa, most of Asia and the Middle East. The card is not running a waitlist or a beta for those regions; it simply does not serve them yet.
The eligibility rule is residence-based, not citizenship-based: the text refers to “residents” of the listed countries and the EEA, which is the language of where you live and are officially domiciled, rather than where you were born or what passport you hold. The page does not go into what documents you need to prove that, but the issuer is an EU EMI so you can reasonably expect the standard onboarding package: identity, address, date of birth, nationality, sanctions screening, and a check for politically exposed persons. The card’s own description highlights Visa Identity Check, 3-D Secure, two-factor authentication on the wallet login, and a separate email approval for new devices and browsers, but the page does not spell out the actual identity-check documents, the address-proof rules, or the minimum age. The official pages do not state those requirements in detail.
In practical terms, then, the question “will they give me the card?” has a three-part answer. If you live in one of the 31 listed countries or anywhere else in the EEA, you can apply now. If you live outside the EEA, the door is closed for the moment. And if you are in the EEA but you do not hold a regular residence status, the application is likely to be decided case by case on the strength of the documents you can supply.
How to get it
The card is described as a “prepaid debit card” accepted at Visa merchants worldwide. The currency, by context and by the way the fees are written, is the euro. The product page does not say whether a virtual card is offered, but the references to ATM use and a physical card design strongly suggest the standard product is a physical card; some early customers could order a “limited card design” on top of that.
Ordering the card is meant to be done from inside the Mover app, since the card sits on top of the Mover wallet and is funded from the crypto balance held there. The card order costs EUR 9.00 and is debited from your first top-up, which is the moment the order moves from “preliminary” to “active”. Card delivery is described as free, but the delivery time and the cost of a replacement card are not stated on the official page, so you should not assume either way. There is also a card management fee of EUR 15.00 per year, which the documentation describes as “not charged by Mover” and which is first applied within 45 days of ordering. In other words, the card is free at the point of delivery but not free in the first year: the EUR 9.00 order fee and the EUR 15.00 annual fee together make EUR 24.00 before you have spent a cent.
Activation is not described in detail on the product page, but the standard flow for a Visa prepaid card of this kind is to verify receipt, set a PIN, and complete a first top-up. The card’s own description of security controls (Visa Identity Check, 3-D Secure, 2FA on the wallet and email approval for new devices) suggests the activation path follows the same checks.
A word on the unknowns. The card’s public page does not state the documents you need for verification, the address-proof rules, the minimum age, the time it takes to verify an account, the time it takes to deliver a card, what happens if a card is lost in transit, or the cost of a replacement. The product pages are sparse on those points, and the gaps are worth taking into account if you need certainty before you apply.
Fees and what a payment actually costs you
The official fee list (the “unoff” lines, with “o” for “official fee list”) is the most concrete piece of information in the whole package, and the picture it paints is mixed. There is a clear upfront charge for the card, an annual fee, a foreign-currency fee on every non-euro transaction, an ATM fee for every cash withdrawal, and a fee for looking at your balance at an ATM and for changing your PIN. There is no monthly maintenance fee on the account, and crypto-to-euro exchange inside Mover is free. The following table pulls the figures together.
| Fee or limit | Amount |
|---|---|
| Payment account creation | Free |
| Card order | EUR 9.00 (from first top-up) |
| Card delivery | Free |
| Card management fee | EUR 15.00 per year (first charge within 45 days of ordering) |
| Non-EUR card purchase (online or offline) | 3% |
| Crypto to EUR exchange | Free |
| Internal card-to-card transfer | EUR 0.20 |
| Euro ATM withdrawal | EUR 2.25 |
| Non-euro or outside-EEA ATM withdrawal | EUR 2.25 + 3% |
| Balance inquiry at an ATM | EUR 0.35 |
| PIN change | EUR 0.40 |
| Max card balance | EUR 8,000 |
| Daily card spend | EUR 7,700 |
| Daily ATM withdrawal | EUR 300 |
| Overall daily spend (purchases + ATM) | EUR 8,000 |
| Weekly, monthly, annual limits | None stated |
A few of those numbers are worth pulling out because they decide whether the card is cheap or expensive in everyday use.
- A coffee in Berlin paid in euros from your euro balance: no per-transaction fee, but every coffee brings the EUR 15.00 annual fee a little closer to being amortised, and your crypto had to be exchanged to euros first. Crypto-to-euro conversion is stated as free, so the cost there is the spread Mover applies to the rate, which is not described in the fee list.
- A subscription to a US streaming service billed in US dollars: 3% on top of whatever the merchant charges. That 3% is the same as a typical bank’s “non-euro transaction fee” and is, importantly, applied by the card, not by your bank.
- A EUR 200 cash withdrawal in Spain: EUR 2.25, with no stated monthly allowance. The fee is fixed, not a percentage, so it is a heavier percentage on small withdrawals than on large ones. The ATM operator may also add its own fee on top, and the documentation flags that.
- Looking at your balance at an ATM, for instance to confirm a withdrawal before you walk away: EUR 0.35. The card does not list a fee-free way to check the balance from the ATM, so if you do this often, it adds up.
The limits, taken together, set a hard ceiling on the card. The largest balance you can hold on the card is EUR 8,000, your daily card spend is capped at EUR 7,700, and your daily ATM withdrawal is capped at EUR 300. With both the card spend and the ATM withdrawal, the total daily outflow is capped at EUR 8,000. There are no stated weekly, monthly or annual limits. For a card designed to be a daily spending tool, that is a useful shape, but the ATM cap in particular is low if you occasionally need larger amounts of cash.
The fee list also has gaps. There is no per-transaction fee stated for declined authorisations, no stated charge for a card replacement, no stated fee for closing the card, and no stated fee for moving the balance back into crypto (the official fee schedule uses “withdrawal” to mean card-to-bank transfers and ATM cash withdrawals, not reverse crypto conversion). If any of those are important to you, you will need to ask the support team.
Three everyday payments, fee by fee
A few worked examples help to put the table in perspective. They use the figures as stated; they are not a forecast of your costs.
- Paying EUR 35 in a shop in Paris from your euro balance: no per-transaction fee. The crypto you converted to euros to fund the card was exchanged at whatever rate Mover applied; the fee list calls that exchange “Free”, but the rate itself is the cost.
- A EUR 60 hotel booking on a US website, billed in US dollars: 3% foreign-currency fee, which is EUR 1.80 on a EUR 60 charge, before the hotel’s own currency conversion and any card-network fees.
- Withdrawing EUR 100 from an ATM in Lisbon: EUR 2.25 ATM fee. The operator at the ATM may add its own charge; the fee list says “some ATM providers may add fees”.
Top up
The product page is short on this. The wording is that the card is “topped up using cryptocurrencies in your Mover wallet”, and the fee list confirms the EUR 9.00 card order is paid from the first top-up. Beyond that, the page does not list which coins are supported, which networks are accepted, or what the minimum top-up is. The user-facing flow is to deposit crypto into the Mover wallet, exchange it into euros inside the wallet, and let that euro balance fund the card. The fee list calls the crypto-to-euro exchange “Free”, with the rate set at the transaction.
A few practical consequences follow from that shape.
- If you only hold non-euro stablecoins, every card top-up involves a conversion step inside the wallet. The fee for that step is listed as zero, but you are still exposed to the spread Mover applies to the rate. The rate is not stated in the public fee list.
- If you only hold euros in the wallet, the “exchange” step is a no-op and the card is funded directly.
- The page does not mention fiat top-up by bank transfer or card, and the Mover help pages do not provide a figure for the minimum top-up, so you should treat the entry point as “deposit crypto, exchange to EUR, spend”.
Card order and Smart Treasury are connected in the documentation: the EUR 9.00 card order fee “can be covered by Smart Treasury bonuses”, which is Mover’s rewards or yield product. If you use Smart Treasury, the EUR 9.00 may not come out of your first top-up, but you should treat that as a feature of Smart Treasury rather than of the card.
The card also has a personal EUR IBAN. That is what allows the card to be useful as a euro payment account, because it gives you a destination for an inbound bank transfer (for example, a salary refund or a one-off payment from a friend) and an outbound path to a local bank. The IBAN is described as a personal euro IBAN, and the product page lists the card as usable for “transferring money to local banks”, but the fee for moving money from the card back to a bank is not stated in the fee list, and neither is the fee for closing the card.
Paying with it every day
The card is accepted anywhere Visa is taken, which is the headline point: shops, restaurants, online services, transport ticketing, and a wide range of subscription merchants. There is an IBAN, so the card is also useful for euro bank transfers, and there is ATM access across Europe, subject to the limits and fees above.
What the product page does not say is interesting in itself. There is no mention of Apple Pay or Google Pay in the official card documentation, which is unusual for a card of this kind. The card’s own self-description on its Trustpilot company page says the card can be used with Google Pay and Apple Pay, but that is a third-party posting and is not stated on the card’s own pages, so I would treat it as unofficial and worth confirming in the Mover app before relying on it. There is also no merchant-category-code (MCC) blocklist stated on the card’s own pages, so there is no official statement on whether the card can be used at gambling merchants, crypto exchanges, or any other category that other issuers often block. If those categories matter to you, ask support before you load the card.
The mobile app is available for Android and iOS, and there is a web app at app.viamover.com. Store ratings for the Mover app have not been read in this review; you can check the current ratings on the App Store and Google Play before you commit. In-app card freeze, a common safety feature on modern cards, is not stated on the product page.
A few practical points worth knowing.
- The card’s BIN is a Visa BIN, so a merchant doing a BIN lookup will see an EEA-issued Visa card. That is what you want, but some merchants decline prepaid cards or foreign-issuer cards outright, regardless of the brand.
- Address Verification Service (AVS) is mostly a US, Canada and UK system, and it generally does not work for foreign-issued cards. If a US merchant relies on AVS to check your billing address, the transaction can be declined even when the card itself is fine.
- Online card payments are protected by 3-D Secure (Visa Secure), so you should expect a one-time-code or biometric step on the first few online purchases or on higher-risk transactions.
- A declined authorisation can place a hold on the funds for up to several days (commonly up to 7). The fee list does not state a fee for declined authorisations, so the cost of a decline is the temporary unavailability of that amount, not a charge.
What can go wrong
The two main risks for a Trastra cardholder are regulatory and operational, and they show up in the same place: in the published complaints.
On the regulatory side, the card is properly set up. The issuer is UAB “Finansinės paslaugos ”Contis“”, an electronic money institution authorised in Lithuania under licence No. 53, granted by the Bank of Lithuania. That is the right kind of licence for a card programme of this scale: an EMI in the EU can issue e-money, payment cards and e-wallets across the EU/EEA from a single authorisation, but it cannot lend. The product documentation states that customer funds are held in a segregated account, and that the EMI product is “not covered by the Deposit Insurance System of the Republic of Lithuania”, which is a normal caveat for an e-money product: the funds are safeguarded, but they are not deposit-insured. Mover is described as the wallet operator and Trastra’s partner; Holyheld Labs is described as an authorised partner of Trastra Inc. The crypto side of the business is the part that is most exposed to the EU’s Markets in Crypto-Assets Regulation (MiCA), which is the framework I describe in the background section below.
On the operational side, the picture is less reassuring. The Trastra Trustpilot page, read on 2026-10-20, shows 2.0 out of 5 from 747 reviews, with 65% five-star and 23% one-star. The five-star reviews talk about a smooth first-time experience; the one-star reviews talk about funds that became inaccessible for weeks, support replies that look copied, withdrawal requests that were denied, and a feeling that the company is winding down. Some of those reviews overlap with third-party reports: a March 2025 email referenced the “Initiation of Insolvency Proceedings” against a related entity, and May 2025 claims described the company as closing, with public notices about bankruptcy proceedings. The card’s own news page did not contain dated official statements to confirm or deny those reports at the time of writing. The most recent year has only 7 reviews on Trustpilot, so the sample is small, but the existing reviews are the strongest signal of risk for an applicant.
A third category of risk is the standard crypto-card risk. Crypto transfers are irreversible, so a deposit sent on a network the wallet does not support, or to an address belonging to a different network, can be lost or stuck in manual support. Stablecoin issuers can freeze funds tied to sanctioned addresses, which means a stablecoin balance is not a private balance. The card’s own page flags 3-D Secure, 2FA and email approval of new devices, but does not state an in-app card freeze, which is a small but useful safety feature that the card does not appear to advertise.
The support channels are an email address ([email protected]) and a knowledge centre at faq.viamover.com. The page does not state the languages supported or the response hours, and several user reviews describe slow or copy-paste replies. For a regulated EMI, that is a soft warning sign; for a crypto product, it is a stronger one.
What to take instead
Three alternatives cover the main use cases. None of them is a perfect substitute, because Trastra’s specific selling point is euro funding from the Mover wallet, but each is a stronger fit in its own area.
Gemini
Gemini offers a Mastercard World Elite credit card issued in the US, with no annual fee and no foreign transaction fees. The card is paid off in fiat and rewards are paid in Bitcoin or 50+ other cryptocurrencies on Gemini, changeable at any time. The headline reward structure is gas, EV and transit at 4% on the first US$300 per month, dining at 3%, groceries at 2%, and 1% on other spending, with up to 10% Vault Rewards at selected merchants (subject to caps that vary). The card carries a referral bonus of US$50 in crypto for each friend, up to US$250 per five referrals, with an annual cap of 50 referrals. If your main reason to look at Trastra is to spend crypto at a shop, Gemini is a cleaner answer in the US: the rewards are richer, the foreign-currency treatment is friendlier, and the licence and brand are well known. The card is credit, not prepaid, and is only available in the US, so it is not a substitute for an EEA prepaid card.
Lava
Lava offers the “Lava Card”, accepted at 150 million merchants in 150+ countries, with no annual fees, no foreign exchange fees and no FX spread, and no exchange fees or spread on Bitcoin buy and sell. The card can be funded by deposits in local currency or stablecoins, and the headline reward is “up to 5% back in bitcoin on every purchase with the Lava Card”, subject to conditions that are not stated on the public page. If you want a card with no FX drag, no annual fee and bitcoin rewards at the till, Lava is a stronger fit than Trastra, particularly if you live outside the EEA and you can fund it with stablecoins.
Based Visa Card
Based is a Visa debit card with three tiers: Based Orange (virtual only, not yet available at the time of writing), HYPE (physical plastic) and Based Gold (20g metal). The card currency is USD, with FX markups of 2.5% on Orange, 1.5% on HYPE and 0% on Gold for non-USD spending, and stablecoin deposits carry no added fees. Funding is in USDT, USDC, XSGD, SOL, HYPE or BASED, on the Solana, Arbitrum, Polygon and Hyperliquid networks, with conversion to fiat at the point of sale. The cashback is paid in $BASED at the start of each month: HYPE 2% (capped at US$20 per month), Based Gold 4% (capped at US$100 per month), AI subscription rebates up to US$10 (HYPE) or US$100 (Gold) per month, and entertainment rebates up to US$20 per month on Gold; the rewards are promotional and may change, and the benefits end when the user begins unstaking. Based is not available in a long list of countries including the Russian Federation, Belarus, the United States, Canada, Australia, China, India, Singapore, Ukraine, Iran, Turkey and others (about 74 countries as of 1 August 2026). The Based Gold tier is the closest peer to Trastra for someone who wants a metal card with low FX, stablecoin funding and crypto cashback; the published exclusions rule it out for many readers.
| Alternative | Score | Card type | Funding | Foreign-currency fee | Headline reward | Main limitation |
|---|---|---|---|---|---|---|
| Trastra | 4.1 / 10 | Visa prepaid, EUR | Crypto in Mover wallet, exchanged to EUR | 3% on non-EUR spend | None stated | EUR 9.00 order, EUR 15.00 annual, 3% FX |
| Gemini | 4.9 / 10 | Mastercard World Elite credit, USD | Fiat (paid off), rewards in crypto | None | Up to 4% in crypto on first US$300/month | US only; credit, not prepaid |
| Lava | 7.1 / 10 | Card, 150+ countries | Local currency or stablecoins | None stated | Up to 5% in BTC on every purchase | Reward conditions not stated |
| Based Visa | 6.9 / 10 | Visa debit, USD (Orange, HYPE, Gold) | USDT, USDC, XSGD, SOL, HYPE, BASED | 0%–2.5% by tier | 2%–4% in $BASED per month | Excluded in ~74 countries including US, RU, CN, IN |
If your goal is a euro card funded from a regulated crypto wallet and you live in the EEA, Trastra is a real option. If your goal is a low-fee card for travel, a richer rewards package, or a stablecoin-funded debit card, one of the three alternatives will fit better.
Who I would recommend it to
After working through the costs, the limits, the eligibility, and the user feedback, the group I would recommend the Trastra card to is narrower than the marketing suggests. It is, in order of how well the fit works:
- EEA residents who already use the Mover wallet to hold crypto and want a euro card linked to that wallet, with the EUR 9.00 order fee understood and the EUR 15.00 annual fee accepted.
- People whose spending is in euros, who travel inside the EEA, and who can avoid the 3% non-euro transaction fee by paying in euros when given the choice.
- People who are comfortable with a prepaid card and the daily limits (EUR 7,700 card spend, EUR 300 ATM, EUR 8,000 max balance) and who do not need a higher ATM cap.
- People who do not rely on Apple Pay or Google Pay, since the official documentation does not confirm mobile-wallet support and the only source for that is unofficial.
I would not recommend it to:
- Anyone outside the EEA, including the US, the UK, Latin America, Africa, most of Asia and the Middle East. The card does not currently serve those regions.
- Frequent travellers who spend a lot in non-euro currencies, because the 3% FX fee applies on every non-euro transaction.
- Heavy cash users, because the EUR 2.25 ATM fee has no monthly allowance and the EUR 300 daily ATM cap is low.
- Anyone who needs a strong public track record on user support, given the Trustpilot pattern of frozen balances and slow replies, and the third-party reports about related entities in 2025.
- Anyone who needs a virtual card or a confirmed mobile-wallet experience, because neither is stated in the official card documentation.
If you fall into the “yes” group, the card is a reasonable tool for the use case described. If you fall into the “no” group, the alternatives above will suit you better, and you should look there first.
Frequently asked questions
What is the Trastra card?
The Trastra card is a Visa prepaid debit card in euros that draws on a balance you fund by converting crypto held in the Mover wallet. It is accepted at Visa merchants worldwide and comes with a personal EUR IBAN for bank transfers.
How does the Trastra card work?
You hold crypto in your Mover wallet, exchange it to euros inside the wallet, and the euro balance becomes the card’s balance. When you pay, the card draws on that euro balance, and the merchant sees a Visa transaction in euros.
Is Trastra a bank?
No. Trastra is a programme manager on top of an electronic money institution. The card is issued by UAB “Finansinės paslaugos ”Contis“”, an EMI authorised by the Bank of Lithuania under licence No. 53. The product is not covered by a deposit guarantee scheme.
Who owns Trastra?
The card programme involves several parties. Mover is the wallet partner, Holyheld Labs is described as an authorised partner of Trastra Inc., and the card is issued by UAB “Finansinės paslaugos ”Contis“”. The public documentation does not give a single ownership structure for the whole product.
Is the Trastra card available in my country?
The card is available in 31 listed countries including Germany, France and the UK, and the stated intention is to roll it out to all EEA residents. The product page says it is “not at the moment” available to non-European residents. If your country is not in the EEA, you cannot get the card today.
How do I get a Trastra card?
You apply through the Mover app, complete the standard KYC checks for an EU EMI, order the card (EUR 9.00, charged from your first top-up), wait for delivery (described as free, time not stated) and complete activation.
Does the Trastra card require KYC?
The official pages do not detail the documents required, but the issuer is an EU EMI, so you can expect standard KYC: identity, address, date of birth, nationality, sanctions screening and a politically-exposed-person check.
How do I top up the Trastra card?
You top up by depositing crypto into the Mover wallet and exchanging it to euros inside the wallet. The card order fee of EUR 9.00 is paid from the first top-up, and the crypto-to-euro exchange is listed as free; the rate is set at the transaction.
Is the Trastra card safe?
The card sits under an EU EMI licence, holds customer funds in a segregated account, and uses 3-D Secure, Visa Identity Check, two-factor authentication and email approval for new devices. User reviews on Trustpilot report frozen balances and slow support, and third-party reports describe insolvency proceedings at a related entity in 2025, so the regulatory setup is sound but the operational track record is mixed.
Is the Trastra card worth it?
For EEA residents who already use Mover and spend in euros, the card is a reasonable way to convert and pay, and the EUR 9.00 order fee can be covered by Smart Treasury bonuses. For everyone else, the FX fee, the ATM fee, the annual fee and the user feedback suggest a stronger alternative will fit better.
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