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Crypto cards are beating traditional banks in Europe in terms of small purchases, with 45% crypto-connected card transactions below 10 euros ($ 11.7)-category where it historically dominated cash.
According to CEX.IO report shared with Caintelegraph, KRYPTO card holders They show patterns of expenditure that reflect traditional bank card users while accepting online payments at a faster pace.
In 2025, the report recorded a 15% increase in newly arranged CEX.IO cards throughout Europe, which signals growing interest, as more Europeans turn to digital assets for everyday payments.
Moreover, while the European Central Bank data It shows 21% of all card payments in the entire euro area area that is online, CEX.IO reveals that crypt card users already make 40% of their transactions on the Internet – almost double the average.
Related: Kraken connects MasterCard to launch crypto debit cards in Europe in the UK
Crypto cards used for everyday expenses
Expenditure formulas show that crypt card holders use their cards for everyday expenses. According to CEX.IO, food is 59% of purchases near 54% of the ECB benchmark, while dining and bars represent 19%, above the average for personal and drink expenses.
Especially the average crypto card transaction is at 23.7 eur ($ 27.8) compared to EUR 33.6 ($ 39) per bank cards based on Q1 2025 MasterCard data.
“In Europe, we can see that crypt card users not only experiment with a new technique – they show us what everyday spending could look like in a truly cashless future,” said Alexander Kerya, CEX.IO.
“Since the average payment volume of card has grown by 24%in the last month, this shift clearly gains strength,” he added.
Data also shows that Stablecoins will trigger 73% of transactions, with other major cryptocurrencies such as bitcoins (BTC), Ether (Eth), Litecoin (LTC) and Solana (Sol) It is also used for food, dining and transport.
The trend is consistent with other providers. For example, Oobit reported Strong spending on everyday requirements among European users while crypto.com note Similarly large volumes in online shopping transactions.
Related: Floki, MasterCard starts a 13-Crypto Debit Card in Europe
Barclays to block purchases of crypt on credit cards
In spite of the increase in the adoption of crypt cards, Barclays has announced plans to ban crypt transactions on his Barclaycard credit cards. The bank quoted concerns that customers are falling into the unmanageable debt as a result of the pollities of the market crypto and emphasized the lack of investors’ protection in this industry.
Barclays explained that purchases of crypto assets are not provided through the Financial Ombudsman Service or the scheme of financial service compensation if something goes wrong, so consumers will be exposed.
Magazine: Genius Act again opens the door for meta stablecoin, but will it work?
