Crypto Cards Surge 15% in Europe Driving 45% of Small Purchases

Crypto cards are increasingly becoming the preferred choice for small purchases in Europe, with 45% of transactions made using these cards being under 10 euros. This trend indicates a shift away from traditional banking methods, where cash has historically dominated micro-spending. The data from CEX.IO reveals that crypto card users are adopting digital payments at a faster rate than traditional bank card users, with 40% of their transactions being conducted online, nearly double the average of 21% for all card payments across the euro area.

The report highlights a 15% rise in newly ordered CEX.IO crypto cards across Europe in 2025, reflecting a growing interest in digital assets for everyday payments. This trend is further supported by the spending patterns of crypto cardholders, who are using their cards for everyday expenses such as groceries, dining, and transportation. Groceries make up 59% of purchases, while dining and bars account for 19%, both of which are above the average for in-person food and drink spending. The average crypto card transaction is 23.7 euros, compared to 33.6 euros for bank cards, indicating a preference for smaller, more frequent transactions.

Stablecoins are the primary cryptocurrency used for these transactions, powering 73% of all crypto card purchases. Other major cryptocurrencies like Bitcoin, Ether, Litecoin, and Solana are also being used for everyday spending. This trend is consistent across other crypto card providers, with reports of strong spending on essentials and high volumes in online shopping transactions. The convenience and efficiency of crypto cards for micro-spending are driving this shift, as traditional banking systems often struggle with higher fees and slower processing times for small transactions.

Despite the surge in crypto card adoption, some traditional banks are taking a cautious approach. Barclays, for instance, has announced plans to ban crypto transactions on its Barclaycard credit cards, citing concerns over market volatility and the lack of investor protections in the sector. This move highlights the ongoing debate between traditional financial institutions and the emerging crypto industry, with some banks wary of the risks associated with digital currencies.

The growing popularity of crypto cards in Europe is a clear indication of the evolving landscape of digital payments. As consumers and businesses seek more efficient and cost-effective ways to handle transactions, cryptocurrencies and the technology that supports them are becoming increasingly important. The rise of crypto cards in micro-spending is just one example of how digital currencies are transforming the way we pay for goods and services, and it is likely that we will see further innovations in this space in the coming years. The trend towards digital payments is expected to continue, with crypto cards playing a significant role in shaping the future of micro-spending in Europe.