Your keys, your coins, your euros. But which self-custody money app actually delivers?
The self-custody money app market in Europe
Self-custody money apps are having a moment. You want to hold crypto without handing over your private keys. You also want to spend it, receive euros, and live a normal financial life. That used to mean juggling three apps and a spreadsheet. Now, a new wave of European services is stitching it together: non-custodial wallets, crypto cards, and personal IBANs. The pitch is simple. You keep control. You get convenience. The reality is more nuanced. Some apps are live, some are in waitlist mode, and some focus on business accounts. Fees, supported countries, and card networks vary widely. This roundup looks at five names worth knowing as the category matures.
How we evaluated these self-custody money apps
We looked at five factors. First, service scope: does the app cover wallet, exchange, card, and IBAN in one place? Second, pricing clarity: are fees easy to find, or buried? Third, local fit: does it support European users, SEPA transfers, and EUR accounts? Fourth, self-custody depth: do you truly control keys, or is it a hybrid? Fifth, maturity: is the product live, in beta, or still on a waitlist? Zeltis stands out for its clear self-custody promise and euro IBAN focus, though it is still opening soon. THORWallet impresses with a Swiss IBAN tier and broad card coverage. Nuri brings a polished app with free VISA card and multi-currency support. Anytime Capital pairs a non-custodial wallet with an FDIC-insured cash account for US users. Mt Pelerin focuses on business crypto IBANs with a strong Swiss regulatory base. Each has a distinct angle.
Here is a quick look at how these five self-custody money apps compare on core features.
| Provider | Best For |
|---|---|
| THORWallet | Spending crypto worldwide with a Swiss IBAN |
| Zeltis — self-custody wallet, card and euro IBAN | Europeans who want a self-custody wallet with a euro IBAN |
| Nuri | A polished self-custody wallet with free VISA card and IBAN |
| Anytime Capital | US-based freelancers who want self-custody plus FDIC-insured cash |
| Mt Pelerin | Businesses that want a crypto IBAN linked to self-custody |
The 5 self-custody money apps in detail
#1 THORWallet
A screenshot of the THORWallet website.
THORWallet combines a self-custody wallet with a Mastercard and a Swiss IBAN account. You can spend crypto anywhere Mastercard is accepted, in over 175 countries, including the US. The card comes in tiers: a free virtual card with an invite, a Premium physical card for $99, and a Swiss IBAN tier that is free forever. The Swiss IBAN tier supports CHF, EUR, USD, and RMB, with SEPA transfers and a monthly limit up to $10 million. Top-up fees are 0% on Basic and Premium, while the Swiss IBAN tier charges 0.25–1%. Cashback is 0.5% USDC on Premium, capped at $5,000 spend per month. You can learn more about the card tiers and fees on the THORWallet cards page. The referral program pays up to $25 per signup and up to 0.2% on card FX spend, paid monthly in USDC.
#2 Zeltis — self-custody wallet, card and euro IBAN
A screenshot of the Zeltis website.
Zeltis is a forthcoming self-custody money app built for Europe. It promises a wallet only you control, crypto exchange at one clear price, a payment card, and a personal EUR IBAN in your name. The site is currently in launch mode, inviting users to join a waitlist and confirm their email address. You can try a demo and read about how it works, what you get, and security. The pitch is straightforward: your keys, your gold, your euros. Zeltis aims to combine self-custody with everyday spending and receiving euro on account details in your name. The waitlist is open, and you get one email to confirm your address and one when Zeltis opens. No newsletter, no spam. If you want a European-first self-custody app with a euro IBAN, this is one to watch.
#3 Nuri
A screenshot of the Nuri website.
Nuri is a self-custodial wallet for euros, dollars, stablecoins, and Bitcoin. It comes with a free VISA card, IBAN, and banking in 130 countries. You can buy, hold, and swap cash and crypto directly in the wallet. Send and receive SEPA and USD ACH transfers, and even send money to M-PESA and other mobile money networks. The free VISA card works with Apple Pay, Google Pay, payment rings, smartwatches, and Swatch Pay. You can withdraw cash at ATMs worldwide with the physical card. Nuri uses passkeys for self-custody that is as simple as Face ID, with no password and no recovery phrase. Many features work without ID verification, and Nuri says it does not store user data. It also connects to AI tools like ChatGPT and Claude for spending analysis and payments with permissioned access.
#4 Anytime Capital
A screenshot of the Anytime Capital website.
Anytime Capital pairs a free, non-custodial crypto wallet with an FDIC-insured cash account and a Mastercard. Your keys are generated on your device and never leave it. The cash account is provided through Pathward N.A., Member FDIC. You can hold Bitcoin, Ethereum, Solana, Litecoin, TRON, USDT, or USDC in the wallet. When you want dollars, convert in-platform and the USD lands in your cash account immediately. No sending funds to an exchange, no multi-day withdrawal. It works both ways: fund your wallet with a debit card, Apple Pay, ACH transfer, or wire. If you get paid in stablecoins, you can cash out to the account and spend with your Mastercard the same day. This is a strong fit for freelancers, remote workers, and international sellers who want self-custody plus spendable dollars.
#5 Mt Pelerin
A screenshot of the Mt Pelerin website.
Mt Pelerin offers a crypto IBAN for businesses, linked to a self-custodial wallet. Your company gets an IBAN in its legal name. When a client sends a bank transfer, the amount is automatically converted into the crypto of your choice on one of 16 supported chains. When you need to pay salaries, suppliers, or bills, it sends a bank transfer from the same IBAN, funded with crypto from your wallet. Your counterparties see ordinary bank transfers. Your treasury never sits in a bank; it stays on-chain in a wallet only your company controls. Mt Pelerin supports free stablecoin conversions using fxUSD and ZCHF stablecoins. It is rated excellent from over 1,500 reviews and is made in Switzerland. This is a business-focused tool for running a company in self-custody.
How to choose your self-custody money app
Start with your daily reality. Where do you live, and what currencies do you need? If you are in Europe and want a euro IBAN, look for SEPA support and EUR account details. If you are in the US, an FDIC-insured cash account might matter more. Next, check the card. Is it virtual, physical, or both? What network does it use, and where is it accepted? Then look at fees. Top-up fees, FX fees, ATM fees, and monthly limits add up. Read the fine print. Also consider self-custody depth. Some apps let you hold keys but still require ID for certain features. Others are fully non-custodial from day one. Finally, check maturity. A live product with real users is different from a waitlist. If you need something today, pick a live option. If you can wait, a forthcoming app like Zeltis might fit your long-term needs. Always test with small amounts first.
Automating your self-custody money workflow
You can connect these apps to your existing tools. Nuri works with AI assistants like ChatGPT and Claude for spending analysis and payments. That means you can ask your AI to categorize transactions or prepare a payment, with permissioned access you control. For business users, Mt Pelerin lets you receive client payments in crypto via a standard IBAN, which can be reconciled automatically in your accounting software. Anytime Capital supports ACH and wire transfers, so you can automate funding from your bank. THORWallet pays referral rewards in USDC monthly, which you can route to a savings wallet. Zeltis, once live, aims to combine wallet, card, and IBAN in one app, reducing the need for multiple integrations. The key is to start simple: automate one flow, like converting stablecoins to euros, then expand.
The bottom line on self-custody money apps
Self-custody does not have to mean self-isolation. The five apps here show different paths to keeping your keys while still living in the real economy. THORWallet leads with a Swiss IBAN and global card coverage. Zeltis is building a European-first app with a euro IBAN, still opening soon. Nuri offers a polished, passkey-based wallet with a free VISA card. Anytime Capital bridges non-custodial crypto with an FDIC-insured cash account for US users. Mt Pelerin gives businesses a crypto IBAN with Swiss precision. Your choice depends on where you live, what you spend, and how soon you need it. Test with small amounts. Read the fees. And remember: your keys, your responsibility.