Best Crypto Cards in Lithuania (2026)

Lithuania is one of the EU's leading fintech licensing jurisdictions. The Lietuvos bankas (Bank of Lithuania) has issued more EMI (Electronic Money Institution) and payment institution licenses than any other EU member state. Many crypto card issuers and exchanges hold Lithuanian licenses.

Under MiCA, Lithuania follows the EU-wide framework. The FNTT (Finansiniu nusikaltimu tyrimo tarnyba, Financial Crime Investigation Service) handles AML compliance. Crypto service providers must be registered and comply with Lithuanian AML/KYC requirements.

Gnosis Pay, Plutus, and Wirex operate under EU licenses valid in Lithuania. Several crypto companies actually hold Lithuanian-issued licenses specifically.

Lithuania's position as the EU's top fintech licensing hub means deep regulatory expertise and strong crypto card infrastructure.

Lithuania applies a 15% personal income tax on crypto gains. Crypto gains exceeding EUR 2,500/year are taxable. Capital gains below EUR 2,500 from securities and crypto may be exempt.

Example: You bought BTC at EUR 2,000 and spend EUR 6,000 through your card. Gain = EUR 4,000. Tax = EUR 600 (15%).

Report to the VMI (Valstybes mokesciu inspekcija, State Tax Inspectorate). Annual declaration is required using form GPM311. The tax year is the calendar year with filing deadline by May 1.

Small gains exemption: If your total crypto/securities gains stay below EUR 2,500/year, they may be exempt. For larger amounts, USDC funding minimizes tax.

Lithuanian crypto card applications require an asmens tapatybes kortele (Lithuanian ID card) or pasas (passport) for citizens. EU/EEA citizens can use their national ID. Non-EU residents need a passport plus leidimas gyventi (residence permit).

The asmens kodas (personal code, 11 digits) is the primary identifier. Proof of address via komunaliniu paslaugu saskaita (utility bill), banko israsas (bank statement from Swedbank, SEB, Luminor), or nuomos sutartis (rental agreement).

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

EUR 2,500 Exemption Threshold

Lithuania's potential exemption for gains under EUR 2,500 means smaller spenders may pay zero tax. Plan your annual crypto card spending to stay within this threshold if possible.

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
• Wirex (up to 8%): Best for power users

Spending Scenario: EUR 1,000/month

EUR 480/year covers months of groceries from Maxima or Rimi, or dozens of meals in Vilnius Old Town.

Fintech Hub Advantage

Lithuania's fintech ecosystem means strong local awareness of crypto card products. Customer support from Lithuania-licensed issuers may be more responsive for Baltic users.

Local Payment Infrastructure

Card acceptance is excellent: shopping centers (Akropolis, Ozas), supermarkets (Maxima, Rimi, Lidl, Norfa), restaurants, cafes in Vilnius, Kaunas, and Klaipeda accept contactless Visa/Mastercard. Apple Pay is widely supported. Cash usage is declining rapidly, especially in urban areas.

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

Local/regional: Several crypto exchanges hold Lithuanian licenses. The Bank of Lithuania's sandbox program has fostered fintech innovation. Local platforms serve the Baltic market but card products come from EU-wide issuers.

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

Lithuania's fintech licensing leadership makes it a natural regulatory home for many crypto card issuers serving the EU.