A crypto card lets you pay without a bank: keep funds in USDT and the card turns them into payments. Some services even give you an IBAN.
In short: a bank isn't required — a crypto card is enough. Non-custodial with IBAN — Simple Card; simple start — Trustee Plus.
What replaces a bank
A crypto card (payments and withdrawals), USDT (store of value), and sometimes a personal IBAN. Enough for everyday finance.
Cards we recommend
Our tested picks
Trustee Plus — simple, low conversion fee. Simple Card — non-custodial, with IBAN. Both top up in USDT.
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Related
Withdraw USDT to a card · Pay USDT in stores · Simple Card review
FAQ
Can I skip a bank entirely?
For everyday payments yes. For salary/taxes you may need an IBAN (Simple has one).
Do I need a bank for the card?
No, you top up with crypto.
Which service offers an IBAN?
Simple Card, for example.