In terms of small purchases, crypto cards are beating traditional banks in Europe, with 45% of cryptocurrency cards trading volumes below €10 ($11.7), a category that dominates cash history.
According to reports shared by Cex.io with Cointelegraph, Crypto Card Holder The spending model of traditional bank card users is being shown while embracing online payments at a faster pace.
The report notes that in Europe, newly ordered CEX.IO Crypto cards grew by 15% in 2025, indicating that interest is growing as more Europeans turn to digital assets for daily payments.
In addition, the European Central Bank data Showing that 21% of all card payments throughout the euro zone are online, Cex.io data shows that crypto card users have already made 40% of transactions on the internet, almost twice the average.
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Encrypted card for daily expenses
Spending mode shows that the encrypted cardholder is using the card to make daily spending. According to CEX.IO data, groceries account for 59% of purchases near the ECB’s 54% benchmark, while restaurants and bars account for 19%, higher than the average spending on in-person food and beverages.
It is worth noting that based on Q1 2025 MasterCard, the average crypto card transaction is 23.7 euros ($27.8), while the average average for bank cards is 33.6 euros ($39) data.
“What we’re seeing in Europe is that crypto card users are not only trying new technologies, but also showing us what daily spending looks like in a truly cashless future,” said Alexandr Kerya, vice president of product management at Cex.io.
“This shift is clearly growing as average card payments grew by 24% last month,” he added.
The data further suggests that stablecoins are powered by 73% of transactions, other major cryptocurrencies (such as Bitcoin) (BTC), ether (ethereth), litecoin(LTC) and solana (sol) is also used in groceries, catering and transportation.
Trends from other providers are consistent. For example, oobit Report European users spend on daily necessities, while crypto.com Famous Similarly, it is also high in online shopping transactions.
Related: Floki, Mastercard
Barclays to stop cryptocurrency from buying credit cards
Despite the crypto card, Barclays still Announcement of plans to ban crypto trading On its Barclaycard credit card. The bank cited concerns about customers falling into uncontrollable debt due to volatility in the cryptocurrency market and stressed the industry’s lack of investor protections.
Barclays explained that if problems arise, purchases of crypto assets are not carried through the Financial Ombudsman Service or Financial Services Compensation Program.
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