Veritas Mastercard review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Veritas Mastercard suits adults who want a prepaid card with a virtual card option and crypto features, and the monthly fee is €0. Currency conversion costs 1.99%, well above the 1% typical of debit cards, which limits its appeal for regular spending abroad.
Key facts
- Best for
- A prepaid Mastercard for crypto and virtual card use, held with no monthly charge.
- Monthly fee
- €0↗
- Currency conversion fee
- 1.99%↗
- Card type
- Prepaid↗
- Card network
- Mastercard↗
- Features
- Virtual card, Crypto
- Official website
- cardveritas.com
Facts checked September 26, 2026, 2 sources
Pros and cons
Pros
- The monthly fee is €0, so holding the card costs nothing each month.
- A virtual card and crypto features come with the card (virtual card and crypto), useful for online and crypto spending.
- It ranks 1 of 422 brands on monthly fee, so the account cost sits at the cheapest end of the field.
Cons
- Currency conversion costs 1.99%, above the 1% charged across debit cards.
- On currency conversion fee it ranks 164 of 258 brands, well down the field.
Who it suits
- Adults who want a prepaid card for crypto spending and a virtual card alongside it.
- People who spend mostly in the currency they hold and want a card with no monthly charge.
- Readers who want a mastercard network card without paying a recurring account fee.
Who should look elsewhere
- Not Wise, where the monthly fee is £0, for anyone who wants a multi currency account rather than a prepaid card.
- Not bunq, whose conversion fees run 0.5% to 3%, for readers who spend abroad often and want a lower conversion cost.
- Not the Varo Believe Secured Credit Card, whose monthly fee is $0, for anyone building credit rather than loading a prepaid balance.
How Veritas Mastercard compares
Frequently asked questions
What does the Veritas Mastercard cost to keep each month?+
The monthly fee is €0, so there is no recurring charge for holding the card. The cost to watch sits elsewhere: currency conversion costs 1.99% whenever the balance is spent in another currency, which is why the card suits people who keep spending in a single currency.
How much is the currency conversion fee on the Veritas Mastercard?+
Currency conversion costs 1.99% on the card. That places it at 164 of 258 brands on this measure, and above the 1% charged across debit cards. bunq's conversion fees run 0.5% to 3%, so frequent travellers may find more there.
Is the Veritas Mastercard a credit card or a debit card?+
It is a prepaid card, so spending draws on money held on the account rather than a credit line. There is no borrowing element in the cost picture: the only recurring charge is the monthly fee of €0, and the other cost is the 1.99% conversion charge.
Which network does the Veritas Mastercard run on?+
The card runs on the mastercard network, so it is accepted wherever Mastercard cards are taken. The prepaid format means the balance is loaded before spending, and the virtual card and crypto list covers a virtual card alongside crypto.
Does the Veritas Mastercard include a virtual card and crypto features?+
Yes. The feature list is virtual card and crypto, which pairs a virtual card with crypto. With a monthly fee of €0, the virtual card is a low cost way to add online spending alongside the physical prepaid card.
How does the Veritas Mastercard compare with bunq and Wise on price?+
Veritas Mastercard charges €0 a month and 1.99% on currency conversion. bunq's conversion fees run 0.5% to 3%, while Wise's monthly fee is £0. The trade is a free monthly charge paired with a higher conversion cost.
How does the Veritas Mastercard score on cost?+
The cost score is 5.1, with an overall score of 5.1. The free monthly fee pulls one way and the 1.99% conversion charge the other, which is why the card sits mid table on cost rather than at either end.
Sources
- veritasbanking.com/pdf/Terms_Conditions_Veritas_Moorwand.pdf checked September 26, 2026
Backs: Currency conversion fee
“FX Charge on spend for International ATM Use 1.99%”
- cardveritas.com/en/prepaid-card checked September 26, 2026
Backs: Card type, Features, Monthly fee, Card network
“Veritas Mastercard prepaid card - for everyone”
Compiled from 2 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Free ATM withdrawals, Protection.
Veritas Mastercard
A prepaid Mastercard for crypto and virtual card use, held with no monthly charge.