Binance Card
Binance · VISA debit
⚠️ NOT MiCA-AUTHORIZED — Binance UAB (Lithuania) operates an EU-client Visa card with up to 8% cashback in BNB, but unlike Coinbase, OKX, Bybit, Crypto.com — Binance still does NOT have a full MiCA CASP licence in the EU. Bank of Lithuania issued a 2026 warning to Binance UAB about unauthorized derivatives. Binance EU status under review in 2026.
NorriWire does not maintain an affiliate agreement with this issuer.
Cashback
8.0%
BNB
Monthly fee
Free
FX markup
0.00%
over ECB
Fees
| Issuance | Free |
| Monthly fee | Free |
| FX markup | 0.00% |
| Free ATM per month | — |
| ATM fee thereafter | 1.90% |
| Card replacement | €8.00 |
Features
- ✓Physical card
- ✓Virtual card
- ✓Contactless payments
- ✓Apple Pay
- ✓Google Pay
- ✓Support for 600+ crypto balances
Supported fiat currencies: EUR, USD, GBP
Pros
- ✓Up to 8% cashback in BNB token (highest in market)
- ✓Largest global crypto exchange (~$20T volume)
- ✓Broad crypto-asset funding (600+)
- ✓0% FX markup
- ✓Free — no issuance, monthly, or SEPA fees
- ✓Multi-fiat (EUR/USD/GBP)
- ✓Apple Pay and Google Pay
Cons
- ✗🚨 NO full MiCA CASP licence (unlike Coinbase, OKX, Bybit)
- ✗🚨 Bank of Lithuania 2026 warning against Binance UAB for unauthorized derivatives
- ✗2024 EU BaFin case + DOJ settlement US ($4.3B)
- ✗8% cashback requires €600+ BNB staking — high BNB risk
- ✗BNB cashback value can drop
- ✗Non-MiCA platform with regulatory uncertainty
- ✗UI no LV/LT/EE/FI/SE/NO/DK localization
Full review
Binance Card — Binance UAB
⚠️ MiCA NOAUTHORIZED — Binance UAB (Lithuania) operates an EU-client Visa card with up to 8% cashback in BNB, however — unlike Coinbase, OKX, Bybit, and Crypto.com — Binance STILL does not hold a full MiCA CASP licence in the EU market. Lietuvos Bankas issued a warning to Binance in 2026 regarding unauthorised derivatives services. Binance's EU regulatory status is under review as of 2026.
Licensing
Lietuvos Bankas (warning issued — derivatives) — Binance UAB (registered in LT). MiCA compliance: partial or in transitional phase.
Fees
| Service | Cost |
|---|---|
| Issuance | €0 |
| Monthly fee | €0 |
| FX markup | 0% |
| Free ATM withdrawals | €0/month |
| ATM over limit | 1.9% |
| Card replacement | €8 |
Cashback
- Standard: 8% BNB
- Staking required: yes, €600+
Functionality
- Physical card: ✓
- Virtual card: ✓
- Apple Pay: ✓
- Google Pay: ✓
- Supported fiat currencies: EUR, USD, GBP
- Crypto asset funding: 600+
Pros
- Up to 8% cashback in BNB token (highest on the market)
- Largest global crypto exchange (~$20T trading volume)
- Broad crypto asset funding support (600+)
- 0% FX markup
- Free to use — no issuance, monthly, or SEPA fees
- Multi-fiat (EUR/USD/GBP)
- Apple Pay and Google Pay
Cons
- 🚨 No full MiCA CASP licence (unlike Coinbase, OKX, Bybit)
- 🚨 Lietuvos Bankas issued a 2026 warning against Binance UAB for unauthorised derivatives services
- 2024 EU BaFin case + DOJ settlement in the US ($4.3B)
- 8% cashback requires €600+ BNB staking — significant BNB exposure
- BNB cashback value subject to decline
- Non-MiCA platform with ongoing regulatory uncertainty
- UI is not localised for LV/LT/EE/FI/SE/NO/DK
Summary
The headline 8% BNB cashback rate is nominally impressive, BUT MiCA regulatory compliance is the more critical consideration in 2026. Norriwire does not expect Binance to obtain a MiCA licence before the end of 2026. We retain it in our catalogue with a STRONG regulatory caution — Baltic/EU clients would be better served by Coinbase Card (CSSF MiCA), Crypto.com Visa (MFSA MiCA), or Wirex Visa.