# Blackcat > Where money's at Blackcat is a fintech company operating as a licensed electronic money institution. It provides individuals and businesses with euro IBAN accounts, credit-grade Mastercards, and access to digital assets, alongside cashback and balance rewards. Blackcat is a European fintech company and licensed electronic money institution that has operated since 2019, previously known as Blackcatcard before a 2025 rebrand. It offers a mobile app for managing money across multiple euro IBAN wallets, physical and virtual Mastercard payment cards, and access to digital assets. The service targets individuals and businesses across Europe and beyond seeking combined fiat and crypto account management in a single app. Users can open several euro-denominated IBAN wallets within one account and issue credit-grade Mastercards, including virtual, additional, and family cards, with an option to display a chosen name rather than a legal one. The underlying accounts are provided by a licensed and regulated electronic money institution, and card spending earns cashback along with a per annum reward on balances, administered through a separate loyalty partner. Digital asset access is delivered through a partnership with a provider outside the European Union. The offering centers on the Blackcat app together with its card program and loyalty rewards, spanning virtual cards for online purchases, additional and family cards for shared spending, and balance-based rewards. It serves individuals managing everyday spending and savings as well as businesses needing multi-currency account tools. Blackcat is used by customers across the European Economic Area and beyond who combine traditional banking features with cryptocurrency access. - Type: Company - Sector: Finance - Status: Active - Founded: 2019-01-01 - Profile: https://thegrid.id/profiles/blackcat ## Products - [Blackcat](https://thegrid.id/profiles/blackcat): Blackcat is a European neobank offering euro IBAN accounts, Mastercard payment cards, and custodial crypto wallets through a single mobile and web application. Users hold multiple independent euro and crypto wallets, each with its own IBAN or blockchain address, and convert between fiat and crypto through an external exchange partner. Cards are issued as credit-grade Mastercards accepted globally, supporting True Name printing, alongside a balance-based rewards program offering annual interest and merchant cashback. (Neobank, Live, Main Product) - [Blackcat for Business](https://thegrid.id/profiles/blackcat): Blackcat for Business is a European B2B neobank providing corporate euro IBAN accounts, team payment card issuance with configurable spending controls, and SEPA and SWIFT payment management. Blackcat Pay enables account-to-account payment acceptance that bypasses card scheme networks, reducing chargeback exposure, while automated split payments distribute incoming funds across multiple sub-accounts without manual steps. Businesses can also offer cards and financial tools under their own brand through a white-label program built on the platform's EU electronic money institution license. Crypto conversion services are delivered through an external non-EU partner rather than in-house infrastructure. (Neobank, Live) ## Links - [Main](https://blackcat.app) - [Blog](https://blackcat.app/community) - [Terms of Service](https://blackcat.app/terms-conditions) - [Privacy policy](https://blackcat.app/data-protection-policy) - [Twitter / X](https://x.com/Blackcatcard) - [LinkedIn](https://linkedin.com/company/blackcat-official) - [Instagram](https://instagram.com/blackcat__app) ## Legal This data is provided under two licensing models. Model 1 - open data. The open data core is licensed under the Open Database License (ODbL) — a copyleft/share-alike license allowing free use, modification, and sharing for any purpose. Attribution is required: include "Powered by The Grid" linking to https://thegrid.id wherever the data is used. Derivative databases must be shared under ODbL terms. Trademarks, logos, and brand names (marked "Special TPIP") are not covered by the ODbL. 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