Holyheld Card review
Updated September 28, 2026 · VaultCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Holyheld Card suits freelancers and small businesses that need several currencies and local payment details without a monthly charge. The card charges CHF 0 a month and sits at 1 of 500 on that measure, so the real cost is how often you convert and move money.
Key facts
- Best for
- A business account with local payment details, no monthly charge and simple currency handling.
- Monthly fee
- CHF 0↗
- Currency conversion fee
- 1%↗
- Local account details
- IBAN, Us-ACH↗
- Transfer fee
- Individuals: wires USD 20, same-day ACH USD 1, outgoing SEPA EUR 1; on-ramp 1%, off-ramp 1%↗
- Legal entity
- Holyheld Labs AG↗
- Headquarters
- Switzerland↗
- Support channels
- Email, Chat, Help-centre↗
- Audience
- Business
- Pricing model
- No monthly fee
- Official website
- holyheld.com
Facts checked September 26, 2026, 2 sources
Apps and profiles
- Elsewhere
- Xgithub.com
Pros and cons
Pros
- Charges CHF 0 a month, a model shared by much of the field
- Built for business users, the audience most of the multi-currency ranking serves
- Local details cover iban and us ach, so customers can pay the local way
- Support offers email, chat and help centre, so questions can be raised in writing or live
Cons
- Currency conversion costs 1%, which puts the card at 172 of 312 on that measure
- Transfer charges add up: wires cost more than same-day ACH, and on-ramp and off-ramp each take a cut
- Support runs on email, chat and help centre only, with no phone line in the list
Who it suits
- Freelancers who bill in several currencies and pay suppliers abroad
- Small businesses that want local payment details in the markets they sell to
- Anyone whose main worry is the monthly charge rather than the conversion rate
Who should look elsewhere
- Skrill, if you want a different fee structure against a flat conversion rate
- Plazo ES, if you prefer a euro account to a multi-currency setup
- PayPal Colombia, if you need payments through that network rather than local details
Fees and currency costs
The card charges CHF 0 a month, which matches the model most of the field runs on. Moving money costs more than holding it: wires are the most expensive route, same-day ACH is cheaper, and outgoing SEPA sits between them, while adding money to the card and taking it off each take a cut on the amount moved. Converting currency costs 1%.
Where it sits among rivals
On monthly fee the card sits at 1 of 500, in a group where most brands charge nothing. On currency conversion fee it sits at 172 of 312, well away from the cheaper end and close to the median for multi-currency cards. The trade-off is simple: nothing to pay to hold the account, a real cost to change currency.
How Holyheld Card compares
9.3 vs 8.7
9.3 vs 8.6
9.3 vs 8.0
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9.3 vs 9.0No monthly charge either, at €0, which leaves conversion and transfer costs as the comparison.
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Where Holyheld Card is available
- Available
- Switzerland
- Licence in Switzerland
- Financial Services Standards Association (VQF) - Self-Regulatory Organisation (SRO), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
Is there a monthly fee on the Holyheld Card?+
No. The monthly fee is CHF 0 and the card runs on a no monthly fee model, the same approach most brands in the multi-currency ranking take. A monthly charge is therefore not the reason to pick or avoid it. What you pay for is moving and converting money.
What does it cost to send or receive money?+
Wires are the most expensive route, same-day ACH is cheaper, and outgoing SEPA sits between them. Adding money to the card and taking money off each take a cut on the amount moved, so frequent top-ups and payouts are where transfer costs bite. Against that, holding the account costs CHF 0 a month.
What does it cost to convert currency?+
The currency conversion fee is 1%. That places the card at 172 of 312 on this measure, and above the median for multi-currency cards across the site. If you bill in a single currency and pay suppliers in another regularly, this is the figure that matters most.
Who runs the card, and what covers the balance?+
The account is run by Holyheld Labs AG, based in Switzerland, and its listed authority is the Financial Services Standards Association, a self-regulatory organisation rather than a bank. No deposit protection scheme is named for the balance, so no guarantee is stated if the provider stops trading.
Who is the Holyheld Card built for?+
The card is aimed at business users, the audience most represented in the multi-currency ranking. That makes it a natural fit for freelancers and small companies receiving payments from several markets. It charges CHF 0 a month, so the monthly cost is not the obstacle.
How do payments and money move on the account?+
The account issues local payment details, iban and us ach, so customers in those markets can pay the way they normally do. Money moves out by bank transfer, with the wire, same-day ACH and outgoing SEPA charges, plus a cut when you add money to the card or take it off.
How do I get help?+
Support runs on email, chat and help centre, so you can write by email, open a live chat or search the help centre. Phone support is not among the listed channels, which matters if you would rather talk a problem through. Email and chat cover the same account questions.
Sources
- holyheld.com/faq checked September 26, 2026
Backs: Audience, Currency conversion fee, Monthly fee, Support channels, Transfer fee
“Holyheld is a Swiss fintech for companies and individuals making global payments.”
- holyheld.com/legal/terms-and-conditions checked September 26, 2026
Backs: Headquarters, Legal entity, Local account details, Licences
“registered in Switzerland CHE-207.939.735 with it's office at 20 Bahnhofstrasse, Zug, CH-6300, Switzerland”
- holyheld.com/pricing/individual checked September 26, 2026
Backs: Pricing model
“Annual Membership ... For people making and receiving payments globally ... Membership CHF 0/YR”
Compiled from 3 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Licence type, Deposit protection, Currencies.
Related by the facts
Guides
Holyheld Card
A business account with local payment details, no monthly charge and simple currency handling.