Best Crypto Cards in Czech Republic (2026)

The CNB (Ceska narodni banka, Czech National Bank) regulates crypto under the EU's MiCA framework. The Czech Republic requires VASP registration and AML/CTF compliance. The CNB has been moderate in its approach, neither restrictive nor exceptionally permissive.

The Ministry of Finance (Ministerstvo financi) oversees tax policy for digital assets. The Czech Republic's 2024 tax reform introduced the 3-year holding exemption, making it one of the EU's most crypto-friendly tax jurisdictions.

Bybit, Bitget, OKX, Crypto.com, and Coinbase all serve Czech residents under EEA licenses. Prague's active crypto community means strong local awareness of card products.

The 3-year holding exemption (effective 2025) makes the Czech Republic one of Europe's most attractive jurisdictions for long-term crypto card spending.

The Czech Republic taxes crypto gains at 15% (or 23% on annual income above CZK 1,935,552). However, a 3-year holding exemption means: if you hold crypto for 3+ years AND your total annual crypto income from sales is under CZK 100,000 (~EUR 4,000), gains are completely tax-free.

Example (taxable): You bought 0.01 BTC last month at CZK 50,000 and spend it when it is worth CZK 100,000. The CZK 50,000 gain is taxed at 15% = CZK 7,500.

Example (exempt): You bought 0.01 BTC 4 years ago at CZK 10,000 and spend it when it is worth CZK 100,000. Annual crypto income under CZK 100,000. The CZK 90,000 gain is completely tax-free.

The 3-year exemption is the Czech Republic's biggest advantage. For long-term holders, spend freely through your card with zero tax. For recent purchases, stablecoin funding minimizes the 15% tax.

Czech crypto card applications require an obcansky prukaz (citizen's identity card) for Czech citizens, or passport plus residence permit for foreign residents. The rodne cislo (birth number, 9 or 10 digits) is the primary personal identifier. Some issuers accept a ridicsky prukaz (driver's license) as supplementary ID.

Proof of Czech address via utility bill (ucet za elektrinu/plyn), bank statement (vypis z uctu), or registration from the Ministerstvo vnitra (Ministry of Interior). EEA-licensed issuers have smooth onboarding for Czech residents.

Physical cards ship to Czech addresses within 5-10 business days. Virtual cards are available immediately for Apple Pay and Google Pay use.

3-Year Holding = Tax-Free Spending

The Czech Republic's 3-year holding exemption is its biggest advantage. If you bought crypto 3+ years ago and your annual crypto income is under CZK 100,000, spend it through your card completely tax-free. No stablecoin strategy needed for long-held crypto. This makes the Czech Republic one of the best countries in the EU for crypto card spending.

Card Selection by Use Case

• Bitget (8% cashback, free): Best all-around card, zero FX fee critical for CZK users
• Bybit (up to 10% VIP): Best for high-volume Bybit traders
• Crypto.com (up to 5%): Best for lounge access at PRG (Vaclav Havel Airport)
• KAST (2% cashback, free): Best no-fee starter card

Spending Scenario: CZK 30,000/month (~EUR 1,200)

For long-term holders, the exemption makes BTC spending equivalent to stablecoin spending: both yield CZK 28,800/year tax-free. CZK 28,800 covers 3+ months of groceries at Albert or Lidl.

FX Is Critical for CZK Users

The Czech Republic uses CZK, not EUR. Every transaction through a EUR or USD-settled card involves FX conversion. Cards with 0% FX fees save 1-2% per transaction versus Ceska sporitelna or CSOB debit cards. On CZK 30,000/month, that is CZK 3,600-7,200/year in FX savings.

Local Payment Infrastructure

Card acceptance is strong in Prague, Brno, and Ostrava. Contactless Visa/Mastercard works at Albert, Kaufland, Lidl, Billa, and most retailers and restaurants. Cash usage is declining but still more common than in Scandinavia, especially at traditional hospoda (pubs) and smaller shops outside major cities. Apple Pay and Google Pay are widely supported in cities.

EEA exchange cards: Bybit (up to 10%), Bitget (8%), OKX (5%), Crypto.com (up to 5%), and Coinbase (4%) all serve Czech residents under EEA licenses.

Czech presence: Coinmate (Prague-based, Czech-founded) is the most established domestic exchange. Anycoin Direct (Czech/Dutch) also serves the Czech market. Neither offers a Visa/Mastercard spending card in our comparison. Prague's SatoshiLabs (maker of Trezor hardware wallets) is a notable Czech crypto company.

Self-custody options: Gnosis Pay (free), Bleap (2%), and Tria (up to 6%) offer self-custody spending. Czech users familiar with Trezor hardware wallets may appreciate the self-custody approach.

Bitpanda (1%, Austrian-based) has strong Central European presence and serves Czech residents under its EEA license.