Report: European Crypto Cards Surpass Traditional Banks in Small Payments

According to ChainCatcher, citing a report shared by Cointelegraph, CEX.IO revealed that 45% of crypto card transactions in Europe are under 10 euros (approximately $11.7), surpassing traditional banks in the small payment sector that has traditionally been dominated by cash.

The report notes that the number of newly issued CEX.IO crypto cards in Europe grew by 15% in 2025, indicating rising user interest as more Europeans turn to digital assets for everyday payments. Online transactions account for 40% of crypto card usage, nearly double the eurozone average of 21% reported by the European Central Bank.

Spending patterns among crypto cardholders show that they are using their cards for daily expenses, with groceries making up 59% of purchases and dining and bar spending accounting for 19%. Notably, the average transaction amount for crypto cards is 23.7 euros ($27.8), lower than the 33.6 euros ($39) for bank cards. The data also shows that stablecoins support 73% of transactions, while major cryptocurrencies such as Bitcoin, Ether, Litecoin, and Solana are also used for groceries, dining, and transportation payments.