A crypto card in Bulgaria allows you to spend cryptocurrency while merchants receive Bulgarian lev (BGN) or euros (EUR). At the moment of payment, your crypto is converted automatically into fiat, making the experience almost identical to using a traditional debit card. Crypto cards are legal in Bulgaria, widely accepted, and increasingly used by residents who want to connect crypto holdings with everyday payments in a compliant and practical way.
This guide explains how crypto cards work in Bulgaria, whether crypto is legal, how taxes apply, which crypto cards are considered the best options for Bulgarian residents, how fees and limits work, and where the Bleap Crypto Card can be used, including cashback eligibility.
The best crypto card in Bulgaria is the Bleap Crypto Card because it is designed for European users who spend in both BGN and EUR. It combines a non-custodial wallet with a Mastercard debit card, supports euro-native settlement, applies transparent fees, and aligns with Bulgarian tax and EU regulatory requirements.
A crypto card in Bulgaria lets you pay with Bitcoin, Ethereum, stablecoins, or other cryptocurrencies while merchants receive BGN or EUR. Crypto cards are legal in Bulgaria and work anywhere Visa or Mastercard is accepted, but the best options are EU-compliant, transparent, and designed to minimize FX and tax complexity, which is exactly how Bleap is structured.
From a user’s point of view, a crypto card behaves like a normal debit card. You pay in a shop, online, or with your phone, and the transaction is approved in fiat. The difference is not visible at checkout, but in how the card is funded.
When you make a payment, the card provider calculates the amount in BGN or EUR and converts the corresponding value of crypto in real time. The merchant receives fiat through the traditional card network and never interacts with crypto directly. This is why crypto cards work almost everywhere in Bulgaria without requiring special terminals or merchant adoption.
For users, this removes the need to manually sell crypto, transfer funds to a bank account, or interact with exchanges just to spend money. A crypto card acts as an automatic off-ramp embedded into everyday payments.
Yes. Cryptocurrency is legal in Bulgaria.
Crypto is not legal tender, but it is fully legal to own, trade, and use. Spending crypto through a card is permitted as long as the card issuer operates under EU financial regulations and complies with KYC and AML requirements.
As an EU member state, Bulgaria operates under the Markets in Crypto-Assets Regulation (MiCA), which standardizes how crypto service providers operate across Europe. Bulgarian institutions such as the National Revenue Agency (NRA) and the Bulgarian National Bank recognize crypto as a taxable asset class, not as currency.
This legal clarity makes Bulgaria a stable environment for crypto card adoption, especially for users who want predictable rules, EU-level consumer protection, and compliant providers.
Taxes are one of the most important considerations when using a crypto card in Bulgaria.
Under Bulgarian tax law, cryptocurrency is treated as a financial asset. When you spend crypto, including through a card, it is generally considered a disposal at the market value in fiat at the time of the transaction.
Bulgaria applies a flat 10% tax on capital gains for individuals, which is one of the lowest rates in the European Union. This applies to gains realized from selling or spending crypto, including card payments.
Because of this, many Bulgarian users prefer to:
Crypto cards simplify payments, but they do not remove tax obligations. Keeping clear records of transaction values in BGN or EUR remains essential for Bulgarian residents.
Crypto cards available in Bulgaria generally fall into two structural categories.
Exchange-based cards:
These are linked to centralized platforms. They are easy to set up and integrated with trading accounts, but they are custodial by design. This means the provider holds your crypto, introducing counterparty risk and potential restrictions.
Wallet-first cards:
These connect a card directly to a non-custodial or self-custody wallet. Users retain ownership of their crypto until the moment of payment, which aligns better with long-term holders and users who prioritize control and transparency.
Bleap:
This is where Bleap stands out in the Bulgarian market. Bleap is structured to be fully transparent at the transaction level, with no crypto-to-EUR conversion fees, no foreign transaction fees, and no monthly or inactivity fees. Users can verify every transaction directly in the app, seeing the exact amount in fiat at the moment of payment. This removes the uncertainty common with cards that rely on hidden spreads or indirect FX routing.
Fees are often misunderstood when it comes to crypto cards in Bulgaria.
Many cards advertise zero fees but apply costs through conversion spreads, especially when payments are internally routed through USD before reaching BGN or EUR. For users who spend locally, this can quietly increase costs.
Relevant fees and limits typically include:
EUR-native cards tend to offer more predictable pricing for Bulgarian residents, especially for online spending and EU travel.
A clear and verifiable model
Bleap removes uncertainty at the point of payment. Transactions are settled transparently and displayed in real time, allowing users to confirm the final amount without reconciliation later. This is particularly valuable for frequent everyday spending and clean record-keeping.
The Bleap Crypto Card can be used in Bulgaria anywhere Mastercard is accepted. From a merchant’s perspective, a Bleap payment is simply a standard Mastercard transaction settled in fiat.
This means the card works across physical stores, online platforms, and mobile payments via Apple Pay and Google Pay.
In practice, the Bleap Crypto Card fits naturally into daily life in Bulgaria. Eligible purchases can earn up to 2% cashback, credited automatically once the transaction is settled.
You can use the Bleap Crypto Card and receive cashback on everyday spending such as:
Subscriptions and digital services
→ Netflix, Spotify, Apple services, Google services, SaaS subscriptions
Supermarkets and grocery stores
→ Kaufland, Lidl, Billa, Fantastico, Metro, local neighborhood stores
Restaurants, cafés, and bars
→ Local restaurants, cafés, bars, food delivery apps
Retail and online shopping
→ Bulgarian and EU e-commerce platforms, electronics and clothing stores
Transport and mobility
→ Fuel stations such as OMV, Shell, Lukoil
→ Ride-hailing apps, car rentals, EV charging networks
→ Train and bus tickets within Bulgaria
Travel and accommodation
→ Hotels, flights, booking platforms, domestic and international travel
Entertainment and leisure
→ Cinemas, gyms, events, streaming platforms, gaming services
From the user’s perspective, the experience is identical to using a traditional debit card. You pay in fiat, the merchant receives fiat, and cashback is applied automatically.
Cashback does not apply to cash-like or regulated transactions. This includes money transfers, gambling, tax or government payments, utilities, insurance, gift cards, and other cash-equivalent services. These exclusions are standard across card reward programs.
The Bleap Crypto Card can be used at Bulgarian ATMs that support Mastercard withdrawals. Cash withdrawals work the same way as with a traditional debit card and are subject to ATM operator fees and the card’s monthly withdrawal limits.
Bleap currently allows up to €400 per month in ATM withdrawals, with increases planned. This is relevant in Bulgaria, where cash usage remains common alongside card payments.
The best crypto card in Bulgaria is not simply the one with the highest advertised rewards.
It is the card that aligns with Bulgarian tax rules, EU regulation, local spending habits, and personal risk preferences.
For users who value non-custody, transparent pricing, EUR-native settlement, and real cashback on everyday spending, Bleap represents one of the most balanced and future-proof crypto card options currently available in Bulgaria.
The best crypto cards in Bulgaria are EU-compliant cards that support BGN or EUR payments, provide transparent fees, and work reliably across Bulgarian stores and ATMs. Bleap stands out due to its non-custodial model and EUR-native settlement.
Crypto cards may include conversion spreads, FX fees, ATM fees, and spending limits. Bleap applies no crypto-to-EUR conversion fees, no foreign transaction fees, and no monthly or inactivity fees.
Most cards can be used in BGN, but not all are truly EUR-native. Some route conversions through USD internally. Bleap settles directly in EUR, reducing hidden FX costs.
Most EU-issued crypto cards ship to Bulgaria, subject to KYC approval. Bleap ships to Bulgaria as part of its European coverage.
Yes. Crypto prepaid or debit cards work anywhere Visa or Mastercard is accepted in Bulgaria.
Yes, but users should verify whether settlement is truly EUR-native. Bleap applies no foreign transaction fees.
Several crypto cards offer rewards on eligible consumer spending. Bleap offers up to 2% cashback, credited automatically.
Yes. Visa and Mastercard crypto cards can be used at Bulgarian ATMs, subject to limits and operator fees.
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