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A crypto card in Lithuania allows you to spend cryptocurrency while merchants receive euros (EUR). At the moment of payment, your crypto is converted automatically into euros, making the experience almost identical to using a traditional debit card. Crypto cards are legal in Lithuania, 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 Lithuania, whether crypto is legal, how taxes apply, which crypto cards are considered the best options for Lithuanian residents, how fees and limits work, and where the Bleap Crypto Card can be used, including cashback eligibility.
The best crypto card in Lithuania is the Bleap Crypto Card because it is designed for European users and everyday euro spending. It combines a non-custodial wallet with a Mastercard debit card, supports EUR-native payments, applies transparent fees, and aligns with Lithuanian tax and regulatory requirements.
A crypto card in Lithuania lets you pay with Bitcoin, Ethereum, stablecoins, or other cryptocurrencies while merchants receive euros (EUR). Crypto cards are legal in Lithuania and work anywhere Visa or Mastercard is accepted, but the best options are EU-compliant, euro-focused, and designed to reduce 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 euros. The difference is not visible at checkout, but in how the card is funded.
When you make a payment, the card provider calculates the euro amount and converts the corresponding value of crypto into EUR in real time. The merchant receives euros through the traditional card network and never interacts with crypto directly. This is why crypto cards work almost everywhere in Lithuania without requiring special terminals or merchant acceptance.
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 Lithuania, and the country operates under a clear EU-level regulatory framework.
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.
Lithuania follows the EU’s Markets in Crypto-Assets Regulation (MiCA), which standardizes how crypto service providers operate across Europe. National supervision is handled by the Bank of Lithuania, while tax treatment and reporting obligations fall under the State Tax Inspectorate (VMI).
Because of this, crypto cards in Lithuania function as regulated payment products rather than experimental tools. Lithuania has positioned itself as one of the most crypto-friendly jurisdictions in the EU, offering legal clarity and predictable rules for both providers and users.
Taxes are one of the most important considerations when using a crypto card in Lithuania.
Under Lithuanian tax rules, spending cryptocurrency is generally treated as a disposal. This means that when you use crypto to pay for goods or services, you are effectively selling that crypto at its market value in euros at the time of payment.
For individuals, capital gains from cryptocurrency are subject to personal income tax. Gains up to the annual exemption threshold are tax-free, while gains above the threshold are taxed at progressive rates, typically 15% or 20%, depending on the total amount and classification of income.
Because of this, many Lithuanian users prefer to hold volatile assets like Bitcoin or Ethereum long term and use stablecoins for everyday spending. Stablecoins reduce price volatility and simplify transaction tracking, especially for frequent card usage.
Crypto cards simplify payments, but they do not remove tax or reporting obligations. Keeping accurate transaction records and understanding when disposals occur remains essential for Lithuanian residents.
Crypto cards available in Lithuania generally fall into two structural categories.
Exchange-based
These crypto cards are linked to centralized platforms. They are usually easy to set up and tightly integrated with trading accounts, but they are custodial by nature. This means the provider holds your crypto and controls access to funds, introducing counterparty risk and potential usage restrictions.
Wallet-first
These cards connect directly to a self-custody or non-custodial wallet, allowing users to retain ownership of their crypto until the moment of payment. This model aligns better with long-term holders and users who prioritize control, transparency, and on-chain verification.
Bleap
This is where Bleap stands out in the Lithuanian market. Bleap is structured to be fully fee-free at the transaction level, with no crypto-to-EUR conversion fees, no foreign transaction fees, and no monthly or inactivity fees.
Importantly, this is not based on marketing claims. Users can verify every transaction directly in the app, seeing the exact euro amount each time they pay, buy crypto, or transfer money. This level of transparency removes the uncertainty often associated with crypto cards that rely on hidden spreads or internal FX routing.
Fees are one of the most misunderstood aspects of crypto cards in Lithuania.
Many providers advertise zero fees, but costs are often hidden in conversion spreads, particularly when payments are routed internally through USD or stablecoins before being converted to EUR. For Lithuanian users who primarily spend in euros, this can quietly increase costs.
Relevant fees and limits typically include:
EUR-native cards tend to offer more predictable pricing and clearer limits for Lithuanian residents, making them more suitable for everyday payments.
Bleap removes uncertainty at the moment that matters: payment execution.
Every transaction is settled directly in EUR and displayed clearly in the app. Users can confirm the final amount immediately, without having to infer costs from balances, spreads, or delayed adjustments.
For Lithuanian users, this means no guesswork and no reconciliation later. Pricing is visible at the time of payment, and records remain clean and consistent, which is particularly valuable for daily use and tax tracking.
The Bleap Crypto Card can be used in Lithuania anywhere Mastercard is accepted. From a merchant’s perspective, a Bleap payment is simply a standard Mastercard transaction settled in euros.
This means the card works across physical stores, online platforms, and mobile payments via Apple Pay and Google Pay. It integrates seamlessly into everyday life without requiring merchants to support crypto payments directly.
In practice, the Bleap Crypto Card fits naturally into everyday life in Lithuania because it works anywhere Mastercard is accepted. 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
→ Amazon, Netflix, Spotify, Apple services, Google services, SaaS subscriptions
Supermarkets and grocery stores
→ Maxima, Iki, Rimi, Lidl, Norfa, local neighborhood stores
Restaurants, cafés, and bars
→ Cafés, restaurants, bars, food delivery apps
Retail and online shopping
→ Clothing and electronics stores, Lithuanian and EU e-commerce platforms
Transport and mobility
→ Fuel stations such as Circle K, Orlen, Viada
→ Ride-hailing apps, car rentals, EV charging networks
→ Public transport and intercity travel services
Travel and accommodation
→ Hotels, flights, booking platforms, business and leisure travel
Entertainment and leisure
→ Cinemas, events, cultural venues, online games, platforms like PlayStation, Xbox, or Steam
From the user’s perspective, the experience is identical to using a traditional debit card. You pay in EUR, the merchant receives EUR, and cashback is applied automatically.
Cashback does not apply to transactions that behave like cash or financial services. This includes money transfers, wallet funding, gambling, tax or government payments, utilities, insurance, gift cards, and other cash-equivalent or regulated transactions. These exclusions are standard across card reward programs and ensure cashback rewards real consumer spending.
The Bleap Crypto Card can be used at Lithuanian ATMs that support Mastercard withdrawals. Cash withdrawals work in the same way as with a traditional debit card and are subject to ATM operator fees and the card’s monthly withdrawal limits.
At the moment, Bleap allows up to €400 per month in ATM withdrawals, with an increase to this limit currently in progress. While Lithuania is highly card-oriented, ATM access remains useful in certain situations.
The best crypto card in Lithuania is not simply the one with the highest advertised rewards.
It is the card that aligns with Lithuanian regulation, local tax rules, euro-based spending, and personal risk preferences.
For users who value self-custody, EUR-native payments, transparent fees, and real cashback on everyday spending, Bleap represents one of the strongest and most future-proof crypto card options currently available in Lithuania.
The best crypto cards in Lithuania are EU-compliant cards that support EUR payments, provide transparent fees, and work reliably across Lithuanian stores and ATMs. These cards generally fall into exchange-based (custodial) and wallet-first (non-custodial) models. Bleap is the best option for Lithuanian residents because it combines non-custody, EUR-native payments, and a structure designed for everyday use.
Crypto cards in Lithuania commonly include conversion spreads, FX fees, ATM withdrawal fees, and spending limits. Some providers also apply monthly or inactivity fees. Bleap applies no crypto-to-EUR conversion fees, no foreign transaction fees, and no monthly or inactivity fees, with clearly defined limits for everyday spending.
Most crypto cards can be used in EUR, but not all are truly EUR-native. Some cards route conversions through USD internally, creating hidden FX costs. Bleap supports EUR-native payments and settles directly in euros, making it better suited for daily spending in Lithuania.
Availability depends on EEA coverage, KYC approval, and issuer rules. Most EU-issued crypto cards ship to Lithuania. Bleap ships to Lithuania as part of its European coverage.
Yes. You can use a crypto prepaid or debit card in Lithuania anywhere Visa or Mastercard is accepted. Merchants receive EUR, and the payment behaves like a standard card transaction.
Yes, but you should verify whether the card is truly EUR-native. Bleap applies no foreign transaction fees and settles payments directly in EUR, reducing hidden FX costs.
Several crypto cards offer rewards, usually on everyday consumer purchases. Rewards typically exclude cash-like transactions. Bleap offers up to 2% cashback on eligible spending, credited automatically.
Yes. Crypto cards issued on Visa or Mastercard networks can be used at Lithuanian ATMs that support those networks, subject to limits and ATM operator fees.
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