Best Crypto Cards in Greece (2026)

Greece regulates crypto under the EU's MiCA framework. The HCMC (Epitropi Kefalaiagoras, Hellenic Capital Market Commission) oversees capital markets and crypto service providers. The Bank of Greece (Trapeza tis Ellados) handles monetary policy and banking supervision.

Greece implemented 5AMLD/6AMLD through national legislation. Crypto service providers must register with the HCMC. The AADE (Aneksartiti Archi Dimosion Esodon, Independent Authority for Public Revenue) handles tax compliance and reporting.

Gnosis Pay, Plutus, and Wirex operate under EU licenses valid in Greece. The eurozone membership means EUR-denominated products have no FX friction.

Greece benefits from full MiCA protections and eurozone membership, eliminating FX costs for EUR-denominated crypto cards.

Greece applies a 15% capital gains tax on crypto disposals. Crypto income is covered under the general income tax framework administered by the AADE.

Example: You bought ETH at EUR 1,000 and spend EUR 3,000 through your card. Gain = EUR 2,000. Tax = EUR 300 (15%).

Each card transaction is a taxable disposal event. Annual reporting to AADE is required. Greece uses the calendar year as the tax year, with filing typically due by June 30.

Stablecoin strategy: Fund with USDC to avoid the 15% tax. EUR settlement in the eurozone means no FX conversion adds to your cost basis.

Greek crypto card applications require a taftotita (Greek national ID card) or diavatirio (passport) for citizens. EU/EEA citizens can use their national ID. Non-EU residents need a passport plus adeia diamonis (residence permit).

The AFM (Arithmos Forologikou Mitroou, tax registration number, 9 digits) is required for tax reporting. Proof of address via logariasmos DEKO (utility bill - DEI electricity, EYDAP water), ekstrato trapezis (bank statement from NBG, Piraeus, Alpha Bank), or misthotirio symvolaio (rental agreement).

EU-licensed issuers verify against EU databases automatically. Physical cards ship to Greek addresses (including islands) within 7-14 business days. Virtual cards are available immediately for Apple Pay and Google Pay use.

Eurozone Advantage: Zero FX Overhead

As a eurozone member, EUR-denominated crypto cards have zero FX conversion cost. This is a major advantage over non-eurozone EU countries where every transaction incurs FX fees.

Card Selection by Use Case

• Gnosis Pay (4% cashback, free): Best EEA self-custody card
• Plutus (3% + perks, free tier): Best for subscription rebates
• KAST (2%, free): Best no-fee starter
• Crypto.com (up to 5%): Best metal tier range

Spending Scenario: EUR 1,500/month

EUR 720/year covers 4 months of supermarket spending or dozens of meals at a taverna.

Tourism Island Infrastructure

Card acceptance is excellent in Athens, Thessaloniki, and tourist islands (Mykonos, Santorini, Crete, Rhodes). Major supermarkets (Sklavenitis, AB Vassilopoulos, Lidl), restaurants, and hotels accept contactless Visa/Mastercard. Apple Pay is widely supported. Cash is still common at smaller tavernas, kiosks (periptera), and some island businesses.

Seasonal Spending Boost

If you live or travel in Greece during tourist season, higher spending at restaurants, bars, and activities means more cashback. The 4% from Gnosis Pay on a EUR 3,000/month summer spend yields EUR 120/month tax-free (with USDC funding).

EU-licensed issuers: Gnosis Pay (4%, self-custody), Plutus (3% + perks), and Wirex (up to 8%) operate under EU licenses valid in Greece. Crypto.com (up to 5%) and Bybit (2%) also serve Greek users.

Local/regional: NBG (National Bank of Greece) and other traditional banks do not offer crypto services. Greek users primarily access crypto through EU-wide platforms and globally available exchanges.

ether.fi (3%, credit-based) offers a borrow-to-spend model. At Greece's 15% tax, keeping ETH in staking while spending borrowed funds defers the tax event.

Greece's eurozone membership means EUR-denominated crypto cards have zero FX friction, maximizing net cashback value.