CryptoCardsPerks
OWNR Card
4.5/10
Ranked #73 of 76
Overview
The Embily Card is a custodial crypto card aimed primarily at users in Europe. It runs on the Visa network, so it's accepted anywhere Visa is, and supports Apple Pay and Google Pay for tap-to-spend. In our ranking it currently sits at #73 of 76 cards, with an overall score of 4.5 out of 10.
★ Embily Card referral code
EMBILY7651
Using a referral code at sign-up may unlock a welcome perk where Embily Card offers one. Availability and amounts are set by the provider and vary by region.
Rating breakdown
How the Embily Card scores across the categories we weigh into its overall 4.5/10.
Fees & value4.6
Rewards4.0
Ease of use4.7
Security & custody4.2
Availability4.0
Cashback & rewards
The Embily Card does not currently offer cashback or a rewards program. It's built around simple, low-cost spending rather than earning points, which can be the better trade if you value low fees and simplicity over rewards.
Fees & limits
A snapshot of the typical fee structure. Always verify the live figures before applying, as providers adjust these often.
| Fee | Typical amount |
|---|---|
| Monthly fee | $2.50 |
| Card issuance | Free |
| Card spend (USD)Fee on purchases made in US dollars | 0% |
| FX fee (non-USD transactions)Charged when you spend in a currency other than USD | 1% |
| ATM withdrawals | 2% after free limit |
How to get the Embily Card
- Download the Embily Card app or open the provider's website.
- Create an account and complete KYC with a photo ID and selfie.
- Enter referral code EMBILY7651 during sign-up to claim any welcome perk.
- Top up your account with crypto or fiat, then order your physical card or start using the virtual card.
- Add the card to Apple Pay or Google Pay to tap and spend.
Pros & cons
Pros
- Physical card available for in-store and ATM use
- Works with Apple Pay and Google Pay
- Clean mobile app with real-time transaction alerts
Cons
- No cashback or rewards on spending
- Custodial — funds are held by the provider
- Requires full KYC (government ID + selfie)
- Availability limited mainly to Europe
Who it's for
Embily Card suits people based in Europe who want a straightforward way to spend crypto without managing wallets directly. Be ready to complete standard identity verification during signup.
Frequently asked questions
Does the Embily Card offer cashback?
No. The Embily Card does not currently offer cashback. It focuses on simple, low-cost spending instead of rewards.
Is the Embily Card available in my country?
The Embily Card is primarily available in Europe. Check the provider's site for the current list of supported countries.
Does the Embily Card require KYC?
Yes. The Embily Card requires standard KYC — typically a government ID and a selfie — during sign-up.
Is the Embily Card custodial or non-custodial?
The Embily Card is custodial, meaning the provider holds your funds on your behalf.
What network does the Embily Card run on?
The Embily Card runs on the Visa network, so it's accepted wherever Visa is supported, and it works with Apple Pay and Google Pay.