Best Crypto Cards in Spain 2026
Spain is in the EU/EEA, giving Spanish residents access to the full range of EU-licensed crypto cards as well as globally available options. Spain's AEAT tax authority requires full reporting of crypto disposals. All cards below are confirmed available in Spain — ranked by editorial score.
Using a Crypto Card in Spain: What You Need to Know
AEAT taxes all crypto disposals
Spain's Agencia Tributaria treats every crypto card transaction as a taxable disposal. Gains are taxed under savings income at 19%–28% depending on the amount. Stablecoins like USDC or USDT produce near-zero CGT since their value is pegged at $1. Keep records of every transaction for your annual declaración de la renta.
Modelo 721 for foreign crypto holdings
Since 2023, Spanish residents must file Modelo 721 annually if their foreign cryptocurrency holdings exceed €50,000. Crypto held on non-Spanish custodial card providers may qualify. The filing deadline is typically January–March. Consult a Spanish asesor fiscal who specialises in crypto for guidance on your specific holdings.
EU cards offer 0% FX on euro spending
Since Spain uses the euro, the best EU/EEA crypto cards — including Gnosis Pay and KAST — let you spend in euros with 0% FX fees. There is no currency conversion charge on domestic Spanish spending. For international travel, cards with 0% FX apply to all Visa/Mastercard transactions regardless of currency.