A recent study highlights a significant shift in European spending habits, revealing that cryptocurrency-linked cards are increasingly being used for small, everyday transactions, even outperforming traditional bank cards in certain metrics. This trend indicates a growing acceptance of digital assets for routine purchases.
How Cryptocurrency Cards Are Used for Everyday Spending
Cryptocurrency card users in Europe are demonstrating patterns similar to traditional bank card users but with a stronger inclination toward online payments and smaller transaction sizes. Data shows that 45% of all crypto card transactions are for amounts under 10 euros (approximately $11.70), a segment traditionally dominated by cash.
Grocery shopping accounts for 59% of these purchases, closely aligning with the European Central Bank’s reported average of 54% for card payments. Additionally, spending at restaurants and bars makes up 19% of transactions, exceeding the typical average for food and beverage purchases.
The average transaction value for crypto card payments stands at 23.7 euros ($27.8), compared to 33.6 euros ($39) for conventional bank cards—highlighting their use for more frequent, lower-value spending.
Online Payments Lead the Way
Cryptocurrency cardholders are embracing online shopping at nearly twice the rate of the general eurozone population. While the European Central Bank reports that online transactions make up 21% of all card payments in the euro area, crypto card users complete 40% of their transactions online.
This suggests that users are not only comfortable using digital assets for in-person purchases but are also leading the shift toward e-commerce. The convenience, speed, and global accessibility of crypto payments appear to align well with online shopping behaviors.
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Growing Adoption Across Europe
Interest in cryptocurrency cards is on the rise. In 2025, new orders for crypto cards in Europe increased by 15%, reflecting broader curiosity and adoption. Last month alone, the average number of card payments rose by 24%, signaling accelerating usage.
Stablecoins support the majority of these transactions—around 73%—providing price stability for daily use. Other cryptocurrencies like Bitcoin (BTC), Ethereum (ETH), Litecoin (LTC), and Solana (SOL) are also frequently used for groceries, dining, and transportation.
Other card providers have reported similar trends, with strong user engagement across Europe, especially for everyday essential purchases.
Traditional Banks Remain Cautious
Despite growing consumer adoption, some traditional financial institutions remain hesitant. Barclays, for example, recently announced plans to block cryptocurrency purchases made with its credit cards. The bank cited concerns over market volatility and potential debt risks for customers, emphasizing the lack of regulatory protections and recourse mechanisms currently available for crypto asset purchases.
This contrast between user adoption and institutional caution underscores the ongoing tension between innovative payment technologies and existing financial regulations.
Frequently Asked Questions
What is a cryptocurrency card?
A cryptocurrency card functions like a traditional debit or credit card but is linked to a digital asset wallet. It allows users to spend their crypto holdings at merchants that accept card payments, often converting crypto to fiat currency in real-time during transactions.
Why are crypto cards popular for small purchases?
These cards are gaining popularity for small transactions due to their ease of use, speed, and increasing merchant acceptance. Users appreciate the ability to seamlessly use digital currencies for day-to-day expenses like groceries and public transport.
Are cryptocurrency transactions safe?
While transactions using major cryptocurrencies are generally secure through blockchain technology, users should be aware of market volatility and choose providers with strong security measures. It’s also important to use regulated platforms where possible.
Can I use a crypto card for online shopping?
Yes, many cryptocurrency cards are equipped for online payments and are accepted by a wide range of e-commerce platforms. In fact, crypto card users tend to make online purchases at nearly twice the average rate of traditional card users.
What cryptocurrencies are commonly used with these cards?
Stablecoins like USDT and USDC are most common due to their low volatility. Bitcoin, Ethereum, and other altcoins are also supported by most major crypto card programs.
How do crypto cards affect financial regulations?
As adoption grows, regulators in Europe and elsewhere are paying closer attention. While users enjoy greater flexibility, financial authorities are working to implement guidelines that protect consumers without stifling innovation.
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