Easily spend your DOT anywhere, enjoy seamless transactions, and secure Polkadot payments.
Real benefits for a real life
Up to 15% APY & Simple Start
Earn up to 15% APY without prior crypto knowledge.
Seamless Spending
Off-ramp crypto and use your funds anywhere MasterCard is accepted.
Available in EU
Open a card in a minutes if you are EU resident. USA & LATAM coming soon
Free to open
Opening a card is completely free and the process is as straightforward as it can be.
Low Fees
Seamlessly connect all your existing apps.
Delivered by
Accepted Worldwide
Works with
Powered by
It’s That Simple
Check if you are eligible
Available now for EU residents
Spending Fees
Top-up Fee
10k €
Daily Transaction limit
No Surprises
Spending Fees
No Fees*
Annual Fees
No Fees*
Card Issuance
Free
Top-up Fee
0.95%
FX
1%
Daily Transaction limit
10,000 EUR
Monthly Transaction limit
40,000 EUR
Partnered with Mercuryo
Advanced encryption and fraud detection
24/7 customer support
GDPR compliance
FAQ
We’ve got the answers
Am I eligible for the Polkadot Debit Card?
Anyone above 18 years of age and who is a resident of one of the eligible countries can apply for the Nova x Mercuryo Debit Card, pending approval of their KYC verification.
How do I apply for the Polkadot Debit Card?
In the Nova Wallet app select “Manage Debit Card” from the assets screen, and then select “Issue card”. When creating a new card, you will be prompted to enter the amount of funds (in EUR) that you wish to fund your card with. It is recommended that you have at least 30 EUR of DOT in your Nova Wallet account before starting this process. You will then be prompted to complete the KYC process, which requires you to submit a valid identity document and pass a liveliness check. If you submitted a valid (and legible) identity document and passed the liveliness check, the whole KYC process should take around 5 minutes. After you complete the KYC process, Nova Wallet will prompt you to sign a transaction to fund your Debit Card with the correct amount of DOT tokens. You will need to wait ~5 minutes for your Debit Card to be issued.
How do I top-up my Polkadot Debit Card?
In the Nova Wallet app select “Manage Debit Card” from the assets screen, and then select “Top Up”. You will then be prompted to input the amount of funds (in EUR) that you wish to top your card up with. You need to ensure that you have the corresponding value in DOT tokens on your Nova Wallet account. Press “Continue” and then Nova Wallet will automatically prompt you to sign a transaction which sends the corresponding amount of DOT to top up your card - after a few minutes your card balance will have been topped up.
Where can I use the Polkadot Debit Card?
The Nova x Mercuryo Debit Card is accepted anywhere Mastercard® debit cards are accepted, at merchants worldwide.
Support
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© 2025 Novasama Technologies
Nova x Mercuryo debit card is a service provided by Moneysail through software integration technology solutions that enable Nova Wallet users (hereinafter also referred to as "Users") to open Spend Cards through regulated third-party service providers. These solutions facilitate the conversion of Users’ cryptocurrency funds into fiat currency, which is then credited to their Spend Cards, allowing for purchases at various merchants.
Moneysail d.o.o. (Croatia) is a licensed Virtual Assets Service Provider (VASP), authorized by the Croatian Financial Services Supervisory Agency (HANFA) under license number class: 1000-03123-07/27. The license permits Moneysail to provide the following regulated services: (i) custody and administration of virtual assets, and (ii) exchange of virtual assets for fiat currency (legal tender).
Nova Wallet is a self-custodial mobile application that enables users to interact with blockchain networks. Nova Wallet is owned and operated by Novasama Technologies PTE. LTD. (UEN: 202206382C), based in Singapore. Through an integration with Moneysail, Nova Wallet offers Spend Cards, allowing users to open and manage them directly within the app. These Spend Cards are issued and processed by a Qualifying Third-Party Provider selected by Moneysail.
By using Moneysail’s Spend Card services, users agree to the Third-Party Provider’s Terms of Service, which cover compliance, data protection, and liability provisions.