wavecard
Issuer Wave
Wave Card form factors
Subscription fee €0 / 月
Last verified 2026/07/206 traceable sources
- Rating
- 4.3
- Cashback
- Not disclosed
- Application / card fee
- Not disclosed
- Subscription fee
- €0 / 月
- FX fee
- fiat FX 0%；BTC conversion 1% plus approximately 0.5% liquidity spread
- Card type
- Visa Debit card；Virtual card / Physical card form factors
- Supported国家
- Austria / Belgium / Bulgaria / Croatia / Cyprus / Czechia / Denmark / Estonia / Finland / France / Germany / Greece / Hungary / Ireland / Italy / Latvia / Lithuania / Luxembourg / Malta / Netherlands / Poland / Portugal / Romania / Slovakia / Slovenia / Spain / Sweden / Liechtenstein / Norway / Iceland
- KYC
- KYC required；18+ 欧洲经济区居民；完整证件清单Not disclosed
Dimension · same Visa Debit and fee model；different card form and acquisition cost
Wave Card form factors comparison
Compare requirements, fees, cashback limits and mobile wallet support.
| Tier / plan | Requirement | Application fee | Subscription fee | Cashback | Cashback cap | Apple Pay | Google Pay | Features |
|---|---|---|---|---|---|---|---|---|
| VirtualCurrent | Not disclosed | Not disclosed | €0 / 月 | Not disclosed | Not disclosed | Not stated by issuer | Supported | Not disclosed |
| Physical | Not disclosed | Not disclosed | €0 / 月 | Not disclosed | Not disclosed | Not stated by issuer | Supported | Not disclosed |
Product capabilities
Card networks, custody and limits at a glance.
- 支持国家
- Austria / Belgium / Bulgaria / Croatia / Cyprus / Czechia / Denmark / Estonia / Finland / France / Germany / Greece / Hungary / Ireland / Italy / Latvia / Lithuania / Luxembourg / Malta / Netherlands / Poland / Portugal / Romania / Slovakia / Slovenia / Spain / Sweden / Liechtenstein / Norway / Iceland
- Cashback conditions
- Wave 官方卡页未核验到Cashback。不得沿用旧 TODEY 的 3%。
- Network
- Visa
- Supported networks
- Bitcoin Lightning via NWC
- Custody
- 自托管 Lightning wallet
- ATM limit
- daily €350；monthly €3,000
- Daily / monthly limit
- daily spend €10,000；monthly spend €10,000, 等级 2 KYC Up to €15,000
申请资格按欧洲经济区居民与 30 国清单记录；旧聚合数据中的 Switzerland 未沿用。
Fees
Only disclosed or verified fees are shown. Unlisted items have not been published by the issuer.
BTC conversion 1% 与约 0.5% liquidity spread 分列，不能简单合并成固定 1.5% FX；fiat FX 为 0%。
KYC and eligibility
申请人需年满 18 岁、为公布国家的 EEA 居民并完成 KYC。完整证件、地址证明与审核服务商未在当前证据中公开；Tier 2 KYC 可将月消费上限从 €10,000 提升至 €15,000。
- Accepted documents
- Not disclosed
- Mainland China users
- Wave Card 仅面向 18+ EEA 居民，中国大陆不在公开申请范围
- Overseas address
- Required
- Overseas phone number
- Not disclosed
Payment support
Apple PayNot stated by issuerWave 官方卡页说明 Apple Pay 目前需通过 Curve workaround；direct Apple Pay coming soon，不能标为直接 supported。 · Verified 2026-07-20
Google PaySupportedWave 官方卡页明确 Google Pay 可直接使用。 · Verified 2026-07-20
WeChat PayNot disclosed
AlipayNot disclosed
Not disclosed does not mean unsupported. Support is marked only when explicitly confirmed by the issuer or wallet provider.