Holyheld
Holyheld is a crypto card issued on Mastercard, rated 6.3/10 in our latest review. Below: what it costs and what it demands, the tiers the issuer publishes, and how the card cleared our live checkouts.
Holyheld is the strongest fit for app store / play and crypto funded, and asks for ID + proof at signup — we carry it at low-medium risk. Treat the fee rows as the deciding factor: a card that clears reliably but charges on every top-up costs more than its rating suggests.
Profile
| Issuer / category | Holyheld · Crypto Card |
| Official site | https://holyheld.com |
| Best for | App Store / Play · Crypto funded |
| Network | Mastercard |
| Rating | 6.3/10 (3.0★, 167 data points) |
| Data quality | partial |
Costs and fees
| Card creation fee | EUR 29 Classic / EUR 99 Limited / EUR 199 Metal (one-time) |
| Monthly / annual fee | Free (EUR 1/mo inactivity after 4-5mo) |
| Top-up (deposit) fee | 0% (gas sponsored) |
| FX / conversion fee | 0% EEA / 2.5%+EUR 1 intl (+3% issuer over MC rate) |
Verification and risk
| KYC required | Yes (standard/full KYC) |
| Risk level | Low-Medium |
| AVS check | No |
| 3-D Secure | Yes |
Funding and limits
| Crypto top-up | 1200+ tokens, 20+ chains (ETH, BTC, USDC, USDT) |
| Bank transfer | Yes |
| Alipay / WeChat Pay | No |
| Cards per account | 1 card |
Billing
| Billing address | EU General |
| Billing country | EEA (30 countries; availability page archived July 2026) |
Platform compatibility
| ChatGPT | No |
| Claude | No |
| Midjourney | No |
| Netflix / Spotify | No |
| App Store / Google Play | Yes |
| Meta / Google Ads | No |
What the issuer states on its own site
- Pay and get paid in 180+ countries, in local currencies or stablecoins, from one account.
- NM Northwind Media platinum LLC Balance Apr 05, 2026 $612,430.00.
- NL Northwind Labs platinum LLC Balance Apr 05, 2026 $418,205.60.
- HC Harbor Construction platinum LLC Balance Apr 05, 2026 $894,112.94.
Source: https://holyheld.com.
How it performed in our tests
| BIN range | Network | Issuing country | Type | Charges | Cleared | Clear rate |
|---|---|---|---|---|---|---|
| 555229 | Mastercard | EEA (Europe) | Debit | 292 | 213 | 72.9% |
We logged 213 cleared charges out of 292 attempts on 1 documented range for this brand. Counts include renewals, not just first charges.
Where to go next
Checkout guides built around this card
Category guides
Issuing country
Other Mastercard virtual cards
Frequently asked
What does Holyheld cost to run?
The cost lines stack like this: issuing it costs EUR 29 Classic / EUR 99 Limited / EUR 199 Metal (one-time); there is no monthly fee on the entry tier; top-ups cost 0% (gas sponsored); conversion is priced at 0% EEA / 2.5%+EUR 1 intl (+3% issuer over MC rate). Cash-out costs are what compound here, so weigh the recurring lines above the one-off fee.
Do I need to verify my identity for Holyheld?
Holyheld asks for ID + proof at signup. The check runs once when the account opens, not on each charge, and the issuer's own wording is: Yes (standard/full KYC)
How can I fund Holyheld?
You can fund it with crypto (1200+ tokens, 20+ chains (ETH, BTC, USDC, USDT)), bank transfer. Pick the one you can top up cheaply and repeatedly, because the load fee is charged every time.
Which billing address does Holyheld need?
Setting it up: the billing address type is EU General; cards are issued against EEA (30 countries; availability page archived July 2026); an AVS check is not applied. Copy the address the issuer generates rather than retyping it. A transposed digit is the most common reason a working range starts failing.
Does Holyheld work for subscriptions and AI tools?
We recorded successful charges for the App Store and Google Play. Where a card passes on one merchant and fails on another, the difference is usually the processor and the 3-D Secure setting rather than the card itself.
Will Holyheld trigger 3-D Secure?
Yes. Holyheld supports 3-D Secure, so expect a step-up prompt on larger or first-time charges. An OTP you can complete is fine; a challenge that never arrives is what kills the order, so keep the issuer app open at checkout.
How many cards can I open with Holyheld?
The issuer allows 1 card. Multiple numbers under one account is the practical pattern here: one per merchant, so a single block does not take the rest of your billing down with it.
How VCCFinder tests
VCCFinder buys cards at retail and charges them on live checkouts, then publishes the clear rate and decline reasons next to each range. Where a card declined, the reason sits on its BIN page rather than in a footnote here.