To provide a method for providing an automatic virtual currency settlement service considering the exchange rate between the virtual currency and the nominal money.SOLUTION: The method includes the steps of: receiving the registration of at least one type of holding virtual currency from a user terminal; receiving the registration of one or at least one combination of a transaction passbook for payment settlement, a card company, and an automatic transfer list from the user terminal; extracting the card company and at least one payment settlement date included in the automatic transfer list, and mapping it with the user terminal for storing; collecting card amounts of the user terminal from the card company, and collecting transfer amounts included in the automatic transfer list; extracting the holding virtual currency by which the total settlement sum including the card amounts and the transfer amounts is settled based on the exchange rate between the nominal money and the virtual currency out of at least one holding virtual currency; and performing money exchange for the extracted holding virtual currency by the total settlement sum and depositing it to the transaction passbook.SELECTED DRAWING: Figure 5
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