Start with the currency you spend in, not with the price list. A purchase in the card’s own currency is not converted at all, and a purchase in any other currency is recalculated at the Visa or Mastercard rate of that moment (where the cards work). That single fact separates the six Blomo cards faster than any fee does: three of them are issued in EUR, one in PLN, one in GBP and one in IDR, and matching the card to the money you actually spend removes a cost that no fee table can undo. Everything after that is four more questions you can answer about yourself without knowing anything about card issuing.
This page is the reasoning. The full card-by-card specification lives on the virtual cards page and every fee is on the fees page; the numbers quoted below come from those two pages and were current on 13 September 2026.
Question 1. What currency do you actually spend in?
Not the currency you think in — the currency that appears on the receipts you already pay. The Blomo range covers four:
- Euro. Three cards are issued in EUR: Netherlands, Spain and Estonia.
- Polish zloty. One card, Poland, on Mastercard.
- Pound sterling. One card, the United Kingdom, on Visa.
- Indonesian rupiah. One card, Indonesia, on Mastercard.
If most of your spending is in euros, a EUR card converts nothing on that spending, and the two non-euro cards convert every single euro purchase. The conversion itself is not a Blomo fee: Blomo has no rate of its own and takes no markup on the network’s rate (virtual cards). It is still a movement in the amount that leaves your balance, and it happens on every transaction rather than once.
If your spending is spread across currencies with no clear majority, this question does not settle anything, and you should let the next four decide instead.
A note on the payment network, because people ask: four cards are Visa (Netherlands, Spain, United Kingdom, Estonia) and two are Mastercard (Poland, Indonesia). Blomo makes no claim that one is accepted more widely than the other. It matters only if you already know a merchant you use takes one and not the other.
Question 2. Do you need cash out of a machine?
Five of the six cards withdraw cash. The Estonia card has no ATM access at all (fees). If you need a machine, that card is out of the running before any other consideration, and no top-up changes that.
If you do need cash, the ATM fee is 1% on the Netherlands, Spain and Poland cards and 2% on the United Kingdom and Indonesia cards. Monthly ceilings are 2,500 USDT on Netherlands and Spain, 1,500 on Poland and the United Kingdom, and 1,000 on Indonesia. What a withdrawal really costs, once the machine and the conversion have taken their share, is worked through in what an ATM withdrawal costs.
If you never take cash out, this question costs you nothing to skip — and skipping it is what makes the Estonia card interesting.
Question 3. Do you want to pay by holding your phone to a terminal?
The same five cards support Apple Pay and Google Pay: Netherlands, Spain, Poland, United Kingdom and Indonesia. The Estonia card supports neither, which makes it an online-only product (where the cards work).
This matters more than it sounds, because a virtual card has no plastic. Without a phone wallet there is nothing to present at a till: the card exists as a number, an expiry date and a CVV, and those are typed into checkouts, not handed to a shop assistant. A phone wallet is the only way a Blomo virtual card reaches a physical terminal. How that is set up, and the one button Blomo does not have, is in paying by phone with a Blomo card.
So questions 2 and 3 split the range in the same place, and it is the sharpest line in the catalogue: the Estonia card is the only online-only product, and it is also the cheapest to enter.
Question 4. How much will be on the balance the day you order?
Each product has an entry threshold — a minimum balance Blomo checks once, at the moment you order the card. The thresholds are 100 USDT for Estonia, 200 for Indonesia, 250 for the United Kingdom, 300 for Poland, 500 for Spain and 1,000 for the Netherlands (fees).
Three things about that number are worth having straight before you pick:
- It is not a deposit and it is not deducted. After the card is active the whole balance, including the amount that qualified you, is available to spend (virtual cards).
- Ordering a card holds your whole available balance until the card is activated — not only the threshold amount. The hold is released on activation, and also if an operator declines the request; you cannot cancel a request yourself.
- It is checked once. It is not a floor you have to stay above afterwards.
So the question is not “can I afford this card” but “will this amount be sitting on the balance on the day I order, and can it be untouchable for the short window while the card is issued”.
Question 5. Are you buying, or subscribing?
If your card is mainly for online subscriptions — streaming, hosting, an AI plan — then all six cards do the job, including the online-only one. Every Blomo card takes recurring online charges (where the cards work).
What a subscription adds is a preference for a card number that keeps working. A merchant stores a card by number and charges it on a schedule, so anything that changes the number breaks the renewal rather than delaying it. The behaviour of recurring charges on a Blomo balance, including the one Blomo action that stops a subscription dead, is in can a subscription run on a Blomo prepaid card.
If instead you are buying at shops and marketplaces, the transaction fee is doing real work on every purchase. It is 0.5% on the Netherlands card, 1% on Spain, Poland, Indonesia and Estonia, and 1.5% on the United Kingdom card (fees). On 1,000 units of spending a month that is a spread of 5 to 15 units — small in a week, visible in a year.
The five answers, side by side
| If you need this | Cards that qualify |
|---|---|
| Euros with no conversion | Netherlands, Spain, Estonia |
| Zloty with no conversion | Poland |
| Sterling with no conversion | United Kingdom |
| Rupiah with no conversion | Indonesia |
| Cash at an ATM | Netherlands, Spain, Poland, United Kingdom, Indonesia |
| Apple Pay or Google Pay | Netherlands, Spain, Poland, United Kingdom, Indonesia |
| An entry threshold under 250 USDT | Indonesia at 200 USDT, Estonia at 100 USDT |
| More than 50,000 USDT of spending in a month | Netherlands and Spain, at 100,000 USDT each |
| The lowest transaction fee in the range | Netherlands, at 0.5% |
Read down the rows that apply to you and the list of survivors is usually one or two cards. The complete specification of each — every fee, limit, ceiling and term — is on the virtual cards page, which is the place to check a number rather than this article.
The difference Blomo will not put a number on
There is a sixth consideration, and it is the one that cannot be answered by looking at yourself, so it is deliberately last.
Blomo states that the higher a product’s entry threshold, the stronger the BIN behind it, and the less often it is refused at checkout (virtual cards, where the cards work). In this range that puts the Netherlands card at a 1,000 USDT threshold at the fewest refusals and the Estonia card at 100 USDT at the most. Blomo can say this because it is a statement about its own supply: which ranges its issuing partner puts behind each product, and what Blomo sees across them.
What Blomo states is the order, not the size of the gap. Nobody has measured how much less often the Netherlands card is refused, so no percentage exists to quote, and a percentage from anyone else would be invented. If you see one, it did not come from Blomo. The mechanism behind the order, and why a merchant can refuse a card before it ever looks at your balance, is in what a BIN is and why a shop declines your card.
Two practical consequences. First, if the merchants you use keep declining, the fix is a product with a higher threshold, not more money on the same card — the balance was never consulted. Second, a stronger BIN is also a more stable one, which matters for stored subscriptions, because a BIN change changes your card number.
Three answers worked through
Spending in euros, in shops, and refusals matter. Netherlands: EUR so euro purchases convert nothing, 0.5% per transaction — the lowest in the range — a 100,000 USDT monthly ceiling, ATM at 1%, wallet payments, 48 months, and the highest threshold at 1,000 USDT.
Spending in euros on a smaller balance. Spain: also EUR, also 100,000 USDT a month, also ATM at 1% and wallet payments, at half the threshold — 500 USDT — with the transaction fee at 1% instead of 0.5%. The Spain card buys the same ceiling as the Netherlands card for half the entry, and pays for it in fee and in BIN strength.
Online subscriptions only, and the balance is small. Estonia: 100 USDT to enter, the lowest in the range, 1% per transaction, EUR so euro subscriptions convert nothing. The price of that entry is stated plainly: no Apple Pay, no Google Pay, no ATM, a 5,000 USDT monthly ceiling instead of 100,000, and 36 months of validity instead of 48.
Choosing wrong is recoverable, and here is the cost
You are not locked in. The first virtual card on an account is free; every card after that costs 10 USDT, charged at the moment of issue (fees). So the price of changing your mind is 10 USDT plus meeting the new card’s entry threshold, plus the hold on your balance while the new card is issued.
Two things a second card also does. Limits are per card, so a second card raises your total monthly spending and ATM ceilings rather than sharing them. And the old card does not have to go anywhere: keeping the online-only card for subscriptions and a wallet-capable card for shops is a normal arrangement, not a workaround.
Two boundaries worth knowing before you plan around any of this. Blomo does not serve the United States, Russia, Ukraine, North Korea, countries in Africa or sanctioned jurisdictions (availability). And a physical card — the one thing that gets past desks which refuse virtual cards outright — is the one Blomo product that requires an identity check. Virtual cards require none, at any stage.
Questions people actually ask
Which Blomo card is the cheapest to get?
The Estonia card, at a 100 USDT entry threshold. It is online only: no Apple Pay, no Google Pay and no ATM access, with a 5,000 USDT monthly spending limit and 36 months of validity.
Which Blomo card is cheapest to spend with?
The Netherlands card. Its transaction fee is 0.5%, the lowest of the six, and it is issued in EUR, so euro purchases carry no conversion on top. It also has the highest entry threshold at 1,000 USDT.
Which Blomo card should I pick for euros?
Netherlands, Spain or Estonia — all three are issued in EUR, so euro purchases are not converted. Choose between them on threshold and features: Netherlands at 1,000 USDT and 0.5%, Spain at 500 USDT and 1%, Estonia at 100 USDT and 1% but online only.
Does the entry threshold stay frozen?
No. It is checked once, when you order the card, and it is not deducted. What is held is your whole available balance, from the moment you order until the card is activated; after activation the entire balance is yours to spend.
Can I hold more than one Blomo card?
Yes. The first virtual card on an account is free and each one after that costs 10 USDT. Limits are per card, so a second card raises your total monthly spending and ATM ceilings.
Does a higher entry threshold really mean fewer refusals?
That is what Blomo states about its own range: the higher the threshold, the stronger the BIN behind the product, and the less often it is refused — Netherlands at 1,000 USDT least often, Estonia at 100 USDT most often. Blomo states the order and not a size, so no percentage exists to quote.
Which card works in shops?
Netherlands, Spain, Poland, United Kingdom and Indonesia, through Apple Pay and Google Pay. The Estonia card does not support wallet payments and has no plastic, so it does not reach a terminal at all.
Can Blomo tell me which card a particular shop will accept?
No. Acceptance rules belong to the merchant, are not published, and change without notice. The only reliable check is a small payment at the merchant you care about.
Read on
- Virtual cards — All six products with the full specification of each, card by card.
- Fees, in full — The live source for every number in this article.
- Where a Blomo card works — Online, in shops, at ATMs, and the one card that is online only.
- What a BIN is and why a shop declines your card — Why a merchant can refuse before it ever looks at your balance.
- Can you pay by phone with a Blomo card? — Which cards go into a phone wallet, and how they get there.