;blackcat

;blackcat is your companion for effortless everyday payments! Experience an all-in-one app with a European IBAN, travel-ready cards*, integrated crypto wallets, and an enhanced rewards program. Access all your funds with just one click!
With ;blackcat, you can manage your money anytime, anywhere. Get started in minutes: download the blackcat.app, register with your personal details and documents, verify your ID with a selfie – and you’re ready to go! Instantly access your crypto, IBAN, and virtual payment card. Order a matching plastic card – it will be produced in just 24 hours and shipped to you, wherever you are in the world! And of course, you can also add your card to Apple Pay!
Why choose ;blackcat?
– Free plan**. Standard rate (accounts with 1 card) is € 0 / month — no hidden fees.
– Flexible money management. All your funds are available in one mobile interface. Create an unlimited number of additional wallets – both for euros and crypto. Each wallet and card is fully customizable with individual spending limits. You can also issue as many payment cards as you want.
– Powerful rewards. Choose a bonus program that fits you — 4% per annum reward as part of the loyalty program (not an interest-bearing product), 2% cashback on Amazon, or 0.5% cashback on all card purchases (excluding ATM withdrawals, transfers, and crypto purchases).
– Fast and convenient money transfers. SEPA payments, crypto wallet transfers, and transfers between blackcat accounts.
– Secure payments. Benefit from 3D Secure protection — every transaction is confirmed with in-app authentication.
– Dedicated support, 24/7. Our expert team is always here for you via chat or email. We don’t force you to talk to robots – you can always chat with a real person!
How to Open an Account
Download the blackcat.app from App Store.
Fill out your personal info and upload proof of address.
Take a selfie + scan your ID and/or residence permit — that’s it!
Black cat is your lucky sign!
We take care of the security and protection of your data. Blackcat is collecting, using, and processing your personal data in accordance with European General Data Protection Regulations. We use advanced measures to keep information secure.

Disclaimers:
*Travel-ready cards are ;blackcat’s payment cards. Those cards are accepted at car rentals, hotels, and other services, both online and offline.
**Standard service and transaction fees may apply according to the tariff schedule.
;blackcat is issued by Papaya, Ltd. Papaya Ltd. is an Electronic Money Institution authorised and regulated by the Malta Financial Services Authority.
Client funds are safeguarded in accordance with applicable legislation.
Funds held in e-money accounts are not covered by the Depositor Compensation Scheme.
The bonus payment is a part of the loyalty program provided by Baltic Technology Solutions OU. Detailed terms and conditions can be found here: https://baltictechsolutions.com/
An integrated crypto exchange and custodial crypto wallets are provided by MANERIO Sp. z o.o. You can find more information at maner.io