The Big Table
Every card and every number, on one page.
| 1 | Core | $131 | 83 | B | 95% | Live |  | Self-custody | 2.04%↗ | – | Free↗ | Free↗ | Free↗ | $50↗ | Shipping fee applies; amount shown in app↗ | Replacement cards may incur fees depending on tier and shipping location↗ | 0↗ | KYC; $10 initial top-up or virtual card fee before card verification↗ | 3%↗ | ETHFI↗ | – | Approved card purchases; trades and borrows also earn cashback↗ | ATM withdrawals and cash advancesP2P paymentsCurrency exchangeTax payments↗ | 7-day lock after the purchase clears, then claimable; minimum $5 claimable balance↗ | Membership points: 1,000 points per $1k card spend; 1.5 points per $1k staked per day; 10 points per $1k in Liquid per day; 5 points per 1k ETHFI staked per day. Points reset monthly.↗ | Visa Signature benefits (purchase protection $10,000, price protection $2,000, extended warranty $10,000, auto rental insurance)Visa ConciergeAirport lounge: not includedether.fi Travel: 5% plus up to 65% off hotels and flights↗ | 1.5%↗ | – | 0%↗ | Free, up to 10 withdrawals per month↗ | – | – | – | – | – | $5,000↗ | $10,000↗ | – | $25,000↗ | – | – | – | $28,300,000↗ | Bullish CapitalCoinFundOKX VenturesForesight Ventures↗ | Open | @ether_fi↗ | – | Third National↗ | – | – | – | Visa Signature↗ | – | credit↗ | virtualphysicalmetal↗ | Non-custodial Safe smart account owned by a Turnkey signer (keys in secure enclaves); ether.fi says it cannot move funds. Private-key export not yet available↗ | full↗ | Phone verificationGovernment ID (passport, national ID or driver's licence)Selfie liveness checkResidential address (proof of address in some cases)↗ | Most reviews within 48 hours↗ | – | USD↗ | USDEUR↗ |  USDC USDTUSDT0EURC↗ |  Ethereum OP Mainnet Arbitrum Base↗ | ACHFedwireSWIFTSEPA↗ | No ether.fi crypto deposit fee. Bank: ACH $0.50 + 0.10%, Fedwire $20 + 0.10% (latest provider route); SEPA EUR 0.90 for EURC or EUR 0.90 + 0.15% for USDC↗ | $10↗ | Direct Pay: vault USDC first, then liquidUSD. Borrow mode: borrows USDC against any eligible vault asset at variable Aave rate with interest from the first second↗ | ↗ | ↗ | – | ↗ | ↗ | ↗ | Weekly $1,000 per-card limit: MCC 6012, 6211, 6531-6537, 6611, 6760, 7273, 7322, 5932, 5937, 5972Weekly $3,000 per-card limit: MCC 6529, 7280, 5122, 7800-7802 (US lotteries/casinos), othersNo cashback: ATM, gambling MCC 7995, crypto purchases MCC 6211↗ | EEAUKUSLATAM↗ | 88↗ | ↗ | ↗ | ↗ | – | KPIRMM↗ | – | USD (ACH/Fedwire)EUR (SEPA)GBP (FPS)MXN (SPEI)↗ | ↗ | ↗ | – | ↗ | ↗ | Staking and Liquid vaultsTrading of tokenized stocks and gold (not US at launch)ether.fi Travel hotel and flight bookingVisa Airport Companion lounge passes↗ | ↗ | Passkey sign-in or email one-time code; 3DS one-time code on online payments↗ | ↗ | – | Cash Protection Program (not yet live): reimburses covered smart-contract exploits, $5M capacity, $3M ether.fi first-loss; not insurance or deposit insurance↗ | – | 4.9↗ | 414↗ | – | – | Open | – | EnglishPortuguese (Brazil)SpanishTraditional Chinese↗ | ↗ | In-app live chatEmail support@ether.fiDiscordHelp center↗ | – | 3.8↗ | 103↗ | Deposits or withdrawals delayed or missingAccount lockouts and disabled cards without explanationSlow or AI-only support'Free' physical card costs $100 and first virtual card $10↗ | Cashback rates up to 3%Clean, simple app and KYCReliable Apple Pay and Google PayGood exchange rates↗ | About 65,000 funded card accounts↗ | $1,033,000,000↗ | – | Affiliate Program (replaced the old referral program): USDC rewards, $10-$20 new member bonus, $15-$25 high-spender bonus, 0.1-0.3% cashback on referral spend, 20-25% physical card commission, 50% card fee commission↗ | ↗ | Open | Rewards paid monthly in USDC to your vault with no caps; tiers unlock by all-time and last-90-day qualifying referrals; 2nd-degree revshare 20% from Tier 2↗ | ||
| 2 | Ruby Steel | $23 | 73 | B | 89% | Live | | Custodial | – | – | €3.99↗ | €39.9↗ | Free↗ | €24.99↗ | 7-14 business days estimated delivery (EU and UK)↗ | €50↗ | 450 CRO, 365 days↗ | Level Up Plus: subscription OR CRO lockup/stake (only one needed)↗ | 1.5%↗ | CRO↗ | €750↗ | All purchases except excluded merchant categories/countries, local or overseas, no minimum spend↗ | Excluded MCCs include 4,829 (wire transfer), 4,900 (utilities), 5,734 (software), 5,947, 6,012, 6,051, 6,211, 6,300, 6,513, 6,532, 6,540, 7,372, 8,999, 9,222, 9,311, 9,399; Crypto.com may exclude others↗ | No vesting; rewards credited shortly after purchase↗ | None; rewards are paid directly in CRO↗ | CRO rebate on Spotify and Truth+ subscriptions for 3 months (cap USD 13.99 Spotify, USD 9.95 Truth+ per month)Up to 20% CRO rewards on Crypto.com TravelMetal card↗ | 0.2% within EU/UK; outside EU/UK 0% up to EUR 400 per calendar month, then 2.0%↗ | – | 1%↗ | €400↗ | 2%↗ | – | €6↗ | – | – | €25,000↗ | €25,000↗ | €250,000↗ | €2,000↗ | €10,000↗ |  Foris MT Limited (EEA card issuer, e-money institution, Malta)↗Foris DAX MT Limited (crypto-asset service provider, Malta)ForisGFS UK Limited (UK)Foris, Inc. (US program manager) | – | – | – | – | Open | – | – | EEA/LATAM: Foris MT Limited↗UK: ForisGFS UK Limited US: Community Federal Savings Bank (Member FDIC) | Foris, Inc. (US)↗Crypto.com group entities elsewhere | E-money / financial institution licence, Malta (MFSA) - Foris MT Limited, Visa Principal Member (Issuing)MiCA crypto-asset service provider authorisation, Malta (MFSA) - Foris DAX MT LimitedBank-issued in US under licence from Visa U.S.A. (Community Federal Savings Bank)↗ |  Malta Financial Services Authority (EEA)↗Issuing bank regulators in US | Visa Platinum (prepaid)↗ | – | prepaid↗ | virtualphysicalmetal↗ | Cardholders cannot load cryptocurrency onto the card; all crypto is converted to the market currency at top-up↗ | full↗ | – | – | – | EUR (EEA card); USD, GBP, CAD, AUD, SGD for other issuing regions↗ | EURGBPUSDCAD↗ | Over 100 cryptocurrencies including BTC and ETH, converted to card currency on top-up↗ | – | SEPA (EUR)FPS (GBP)Debit/credit cardCash Account↗ | Card top-up 1% (EEA/UK; debit 1% and credit 2.99% in US; PayPal 2.1% US)↗ | 20 (EUR/USD) for card top-ups↗ | Prepaid balance in card currency after conversion; funds cannot be moved back to the Cash Account once topped up↗ | Yes in US, Canada, EU, Australia, Singapore; not in UK or Bahrain/GCC↗ | Yes in all regions listed (US, CA, EU, UK, AU, SG, Bahrain)↗ | US only↗ | ↗ | – | ↗ | No blanket MCC block published here; 17+ MCCs (wire transfer, utilities, software, financial institutions, brokers, insurance, government) are excluded from rewards only. Purchases at merchants in 21 sanctioned/high-risk countries (EU card: AF, BI, MM, CF, CD, CU, ER, GW, IR, IQ, LB, LY, ML, KP, RU, SO, SS, SD, SY, VE, YE) are blocked↗ | USCanadaEEAUK↗ | – | ↗ | ↗ | ↗ | – | AFBIMMCF↗ | – | Cash Account with SEPA (EUR) and FPS (GBP) bank transfers↗ | Card-to-card transfers between Crypto.com cardholders (EEA 100-5,000 EUR daily by tier)↗ | – | 5%↗ | – | Single-currency card per region; other currencies at Visa rates↗ | Level Up bundle: zero trading fees (plans Plus+), CRO staking rewards est. up to 6%, stock-transfer bonus up to 3% (US)↗ | – | – | – | ↗ | USD 750 million crypto custody insurance programme (2021 release)↗ | ISO/IEC 27001:2022PCI DSS v4.0 Level 1SOC 2 Type IIISO 27,701↗ | 4.66↗ | 335,741↗ | 4.41↗ | 50M+↗ | Open | Open | 26 languages on iOS↗ | ↗ | In-app live chatchat.crypto.comCard phone hotlines per region (e.g. EU/UK +33 1 76 42 00 95, US +1 888-824-8817)↗ | – | 2↗ | 9,433↗ | Withdrawals delayed or deniedSlow scripted supportAccount freezes and closuresCard never arrived or hard to fund↗ | Easy, fast appSecurity measuresSupport eventually resolves some cases↗ | 100 million+ users (May 2024 company announcement)↗ | – | – | – | ↗ | Open | Up to 50% commission/revenue share across products, no earning cap stated; monthly payouts after validation↗ | |
| 3 | Base | $20 | 66 | C | 95% | Live | | Self-custody | 1.25%↗ | 1.5%↗ | Free↗ | Free↗ | – | Not available↗ | – | – | 0↗ | Verified identity (KYC) needed to order the card; no minimum portfolio↗ | 0.5%↗ | USD-valued Reward Points↗ | $25↗ | Eligible card purchases anywhere Visa is accepted↗ | ATM withdrawalsCash advancesCrypto purchasesGambling↗ | Credited once the transaction settles; redeemable up to the monthly redemption cap↗ | Reward Points valued in USD (cashback, referral bonuses, promos and Smart Perks rebates in one balance)↗ | Virtual Visa card0% FX fee (per Wirex)No subscription fee, no lock-upPasskey login, self-custody wallet↗ | 0%↗ | – | 0.08%↗ | $100↗ | 2%↗ | – | – | – | $30,000↗ | – | $30,000↗ | – | Free↗ | Free↗ |  Wirex Limited (England and Wales, no. 09334596, FCA-authorised EMI, FRN 902025) for card services↗UAB Wirex (Lithuania) for EEA card distribution and programme managementCrossmint Europe S.L. (Spain) for crypto services in EEA and UKNovatti Group Limited for cards in Australia and New Zealand | United Kingdom↗ | 2,014↗ | – | – | Open | @wirexapp↗ | – | Wirex Limited↗ | Wirex (UAB Wirex in the EEA)↗ | EMI, UK (FCA, FRN 902025), Wirex LimitedCrypto-asset service provider (CNMV) and payment institution (Bank of Spain), Spain, Crossmint Europe S.L., for crypto services in EEA and UK↗ | FCA (UK)CNMV and Bank of Spain (Crossmint Europe S.L.)↗ | Visa Signature (Metal card, Private and Bespoke tiers)↗ | 2026-09↗ | debit↗ | virtualphysicalmetal↗ | Wallet keys are generated and sharded by Privy (Shamir shares plus AWS Nitro enclave); sign-in by email and passkey, no seed phrase; the private key can be exported to MetaMask or Phantom. Settlement runs on Circle's Arc blockchain with a privacy layer↗ | tiered↗ | Government photo ID (passport, national ID card or driving licence) plus in-app selfie; residence permits are not accepted↗ | A few minutes to a few hours↗ | – | USD↗ | USDEURGBP↗ | USDCUSDTEURC BTC↗ | ArcEthereum Tron Solana↗ | SEPAFaster PaymentsACHVisa/Mastercard debit or credit card (cardholder must be the account holder)↗ | Bank transfers, stablecoin deposits and local card top-ups: no Wirex fee, except USDT deposits 0.08% (Base always; Premium above $10,000/mo; Elite above $50,000/mo; free on Private and Bespoke when verified). USD top-up by card incurs a conversion fee because it is processed in EUR↗ | $50↗ | Balance in the USD, EUR or GBP account (stablecoin-backed, in the user's self-custodial wallet) with FX at scheme rates↗ | ↗ | ↗ | – | – | Yes on physical and metal cards after one successful chip transaction; virtual cards via Apple Pay/Google Pay↗ | ↗ | – | Europe (EEA, UK, Switzerland and others)Asia-PacificMiddle East and Central AsiaAfrica↗ | 73↗ | ↗ | ↗ | ↗ | ADATBEBG↗ | – | ↗ | EUR IBAN (SEPA)USD account and routing number (ACH)GBP sort code and account number (Faster Payments)↗ | ↗ | ↗ | 9.75%↗ | ↗ | ↗ | Earn accounts (flexible and fixed)Crypto trading, fee-free allowance by tierTokenised equities and up to 5x perpetuals announced as comingSmart Perks subscription rebates↗ | ↗ | Passkey sign-in plus authenticator-app 2FA (TOTP)↗ | ↗ | – | – | Privy wallet infrastructure described by Wirex as independently audited; no audit report for Wirex One itself found↗ | 1.87↗ | 15↗ | 2.57↗ | 50K+↗ | Open | Open | en↗ | ↗ | In-app help centre and chat/ticket supportHelp centre at wirexone.freshdesk.comEmail supportescalations@wirexapp.com (for unmigrated legacy users)↗ | 24/7 (marketing claim)↗ | 2.3↗ | 17,652↗ | Frozen or restricted accounts and slow release of fundsBalances missing or delayed after migration from the old Wirex AppSlow, templated or bot-like supportRefund delays and unauthorised transactions↗ | Low or near-zero fees for stablecoin to fiatFast depositsConvenient everyday card spending↗ | 7M+ users across Wirex since 2014 (all products); Wirex One had 20,000+ closed-beta users before launch↗ | $151,600,000↗ | $47,560,000↗ | ↗ | ↗ | – | – | |
| 4 | Virtual | $10 | 64 | C | 84% | Live |  | Self-custody | 2.1%↗ | – | Free↗ | Free↗ | Free↗ | – | – | – | 0↗ | Proof of residency and KYC through Crypto Life; a MetaMask account↗ | 1%↗ | mUSD↗ | – | Eligible card transactions↗ | – | – | Blackbird dining earns 5X $FLY↗ | Hotel bookings via MetaMask Card Travel earn extra mUSD backBlackbird dining earns 5X $FLY↗ | 1%↗ | 0.88%↗ | 0%↗ | Free↗ | 2%↗ | – | Free↗ | – | $10,000↗ | $15,000↗ | – | – | $1,000↗ | – | Crypto Life (card program manager)↗ | – | – | – | – | Open | – | – |  Monovate↗ | Crypto Life↗ | – | – | – | 2024-04↗ | debit↗ | virtual↗ | You approve a spending limit per token from your wallet and funds stay in it until spent; the limit can be revoked at any time.↗ | full↗ | – | – | – | – | – | mUSDUSDCUSDTwETH↗ |  LineaSolanaBaseMonad↗ | Buy or swap in MetaMask Mobile 8.0+ (Add funds)↗ | No fee to delegate funds; network gas only↗ | Free↗ | Directly from the wallet or Money Account, converted at payment↗ | ↗ | ↗ | – | – | – | Card details work on any site that accepts Mastercard↗ | – | EEAUKSwitzerlandCanada↗ | 48↗ | ↗ | ↗ | ↗ | ADARATBH↗ | – | – | – | – | – | – | – | – | Optional MetaMask Money Account whose balance can be spent directly as mUSD↗ | – | – | – | – | – | – | – | – | – | – | – | – | – | MetaMask Portfolio card dashboard↗ | Email to Crypto Life↗ | – | – | – | KYC identity or address step failing repeatedly during card sign-up↗ | – | – | $88,350,000↗ | $3,383,000↗ | – | – | – | – | |
| 5 | Lite | $8 | 63 | C | 74% | Live | | Self-custody | 2.3%↗ | – | – | Free↗ | $10 deposit before activation (stays in balance, spendable); in some regions a $10 card fee instead↗ | – | – | – | 0↗ | Invite or referral code, or wait on the waitlist; KYC; $10 activation deposit in most regions↗ | 2%↗ | own token: XPL↗ | – | Eligible card purchases on any card of the account, calculated at settlement↗ | ATM withdrawalsP2P transferscurrency exchangetax payments↗ | Paid weekly (currently Thursdays) after a pending period of several days↗ | AI cashback not available; referral cashback 0.25% for 3 months↗ | Virtual cardUSD accountStandard support↗ | 1%↗ | 0.15% to 0.75% on crypto deposits (same on all tiers)↗ | USD ACH $1, USD wire $15, GBP/EUR $0.50, MXN $1.00, BRL $0.50, COP $1.00↗ | – | – | – | – | – | – | – | – | – | – | – |  Plasma, a Cayman Islands exempted company (affiliates Plasma Labs UK Ltd. and Plasma US, Inc.)↗ | Cayman Islands (place of incorporation)↗ | – | $24,000,000↗ | Framework VenturesBitfinexPeter ThielPaolo Ardoino↗ | Open | @plasma↗ | – |  Rain (Visa Principal Member)↗ | – | Visa Principal Member (Rain, Visa license)↗ | – | Visa Signature (Core)Visa Infinite (Platinum)↗ | 2026-04↗ | – | virtualphysical↗ | Non-custodial smart account; keys secured by Privy (a Stripe company); Earn deploys funds to third-party DeFi vaults via Veda/Aave↗ | full↗ | Passport, national ID or photo ID, video liveness check, proof of address in some countries (issued within 3 months)↗ | Up to 5 minutes (automated)↗ | 18↗ | USD↗ | USD↗ | USDTUSDCUSDGUSDe↗ | – | ACH (USD)Wire (USD)SEPA (EUR)Faster Payments (GBP)↗ | USDT free; USDC free up to $30,000 per deposit; USDG bridge fee; other crypto 0.15% to 0.75% plus network fees↗ | $10 to activate a Lite card in most regions↗ | USD cash balance in the Plasma One account↗ | ↗ | ↗ | – | – | – | ↗ | – | US (31 states)Global ex-excluded countries↗ | – | ↗ | ↗ | ↗ | – | CUIRKPRU↗ | – | USDEURGBPMXN↗ | ↗ | ↗ | 6%↗ | – | USD balance only; local currencies are converted on deposit and withdrawal↗ | Earn (DeFi vaults via Veda deployed into Aave); self-custodial wallet withdrawal to external wallets↗ | ↗ | Passkey (Face ID, Touch ID or passcode) for sign-in and moving money↗ | ↗ | – | ↗ | – | 4.36↗ | 203↗ | 3.73↗ | 100K+↗ | Open | Open | EN↗ | – | In-app messengerEmail support@plasma.org↗ | Mainly UK business hours; 24-hour coverage planned, not yet live↗ | 4.5↗ | 38↗ | Platinum benefits said to differ from what was advertisedTerms changed after locking XPL (reviewer claim, one account repeated across Trustpilot domains)No physical card at launchInvite-only access↗ | Simple polished appFast responsive supportCashback and Platinum/Core perks incl. lounge accessEasy stablecoin onboarding↗ | – | $98,670,000↗ | – | Yes: $10 each for first-spend bonus, $200 each for high-spend bonus, $20 for friend upgrading to Core, $300 for Platinum; referral cashback 0.25% (Lite, 3 mo), 1% (Core, 3 mo), 1% (Platinum, 6 mo), Platinum boost 3% for 90 days up to $300↗ | – | – | – | |
| 6 | Coinbase Card (US) | $0 | 60 | C | 84% | Live | | Custodial | – | 1.5%↗ | Free↗ | Free↗ | Free↗ | Free↗ | – | Free↗ | 0↗ | Coinbase account with identity verification; US residents except Hawaii↗ | Variable, set per asset in the app; up to 4% advertised by reviewers↗ | Reward asset chosen by the user (for example USDC, BTC, ETH)↗ | – | Card purchases, US cardholders only↗ | – | – | ↗ | Crypto rewards in a chosen assetSpend from Coinbase balance with no pre-load↗ | 0%↗ | Coinbase trading spread when non-stablecoin crypto is sold at purchase; amount not published↗ | Reloads from Coinbase balance; fee not published↗ | – | 0%↗ | Free↗ | – | – | – | $2,500↗ | – | – | $1,000↗ | – |  Coinbase Global, Inc.↗ | – | – | – | – | Open | – | – |  Pathward, N.A. (Member FDIC)↗ |  Marqeta↗ | National bank, United States (Pathward, N.A., Member FDIC)↗ | – | – | 2020↗ | prepaid↗ | virtualphysical↗ | Crypto is held by Coinbase; the dollars from a sale at purchase sit with Pathward↗ | full↗ | – | – | – | USD↗ | USD↗ | Any crypto supported on Coinbase; reviewers cite BTC, ETH, USDC, SOL↗ | – | Coinbase USD balance↗ | – | – | Coinbase balance in crypto or USD, sold at the point of sale↗ | ↗ | – | – | – | – | – | – | United States↗ | 1↗ | ↗ | – | – | US↗ | – | ↗ | – | – | – | – | – | – | – | – | – | – | – | – | – | 4.7↗ | 1.8M↗ | – | – | Open | – | EnglishCzechDutchFrench↗ | – | – | – | – | – | No fixed published reward rates; the rate changes by assetSpread on selling crypto at purchase is not stated as a numberSpend limit $2,500 a day↗ | No monthly or annual feeChoice of reward assetReports of €1,000 a day cash withdrawal without Coinbase fee on the European card↗ | – | – | – | – | – | – | – | |
| 7 | Phantom Cash | −$24 | 48 | C | 84% | Live | | Self-custody | – | 0.95%↗ | Free↗ | Free↗ | Free↗ | – | – | Free↗ | 0↗ | US resident outside New York, 18 or older, identity verification through Link (Stripe), and a funded Cash account↗ | 0%↗ | – | – | – | – | – | Cash Rewards: a variable rate shown in the app as APY, paid weekly into the Cash balance on any positive balance; not tied to card spend↗ | Works with Apple Pay and Google PayCash Rewards on the balance (variable APY, paid weekly)↗ | 1%↗ | 0%↗ | Stablecoin swap free; ACH direct deposit 0.30%; domestic wire 1.00%; debit card via Stripe 1.75%; credit card via Stripe 3.50%↗ | – | – | – | Free↗ | – | $2,000↗ | $2,000↗ | – | – | – | – | – | – | – | Sequoia Capital (Series C co-lead)Paradigm (Series C co-lead)a16z cryptoVariant↗ | Open | – | – |  Lead Bank (Bridge-programme cards, activated before Oct-5, 2026)↗ Stripe-programme replacement cards from Oct-5, 2026, issuing bank not named |  Bridge Ventures LLC (for Lead Bank cards)↗Stripe (Stripe Issuing, replacement cards) | Bank charter: Lead Bank, Missouri state-chartered bankBridge: FinCEN-registered money services business, NMLS #2450917 (issuer of the CASH stablecoin)↗ | – | Prepaid Visa (Lead Bank programme)↗ | 2025-12↗ | prepaid↗ | virtual↗ | Balance is CASH in a self-custodial smart-contract wallet on Solana. At payment the card partner draws CASH from the account and converts it to USD. CASH is a stablecoin issued by Bridge Building Inc., redeemable 1:1 for USD through Bridge; the balance is not FDIC insured↗ | tiered↗ | US: phone, date of birth, residential address, SSN, government ID and selfie (ITIN not accepted; no P.O. boxes)↗ | – | 18↗ | USD↗ | USD↗ | USDCUSDTPYUSDCASH↗ | Solana↗ | ACH direct deposit (US bank)Domestic wire (US bank)Debit card (Stripe)Credit card (Stripe)↗ | Stablecoin swap free; ACH 0.30%; wire 1.00%; debit card 1.75%; credit card 3.50%↗ | – | CASH balance in the user's own Cash account; the partner draws CASH and converts to USD at payment↗ | ↗ | ↗ | – | – | – | – | GamblingCrypto purchasesGift card reloadsCash advances↗ | United States (except New York)↗ | 1↗ | ↗ | ↗ | ↗ | US↗ | – | – | US routing and account number for ACH and wire deposits↗ | ↗ | ↗ | – | – | – | Trade spot and perps, use prediction markets and deposit CASH into Solana DeFi apps from the same account↗ | – | – | – | – | None: the card balance is not FDIC insured↗ | – | 4.8↗ | 64,000↗ | – | – | Open | – | – | ↗ | In-app and help centre via Phantom SupportPhone dispute line for Stripe-issued cards↗ | – | 1.9↗ | 16↗ | Slow or unresponsive support (wallet-wide reviews)One report of a bank transfer that repeatedly failedOne report of a swap destination changing to the Cash wallet without notice↗ | Low cost to turn crypto into spendable USD and Apple Pay support (review site, Jun-16, 2026)↗ | Tens of millions of Phantom wallet users; Cash card users not published↗ | $7,947,000↗ | $1,100,000↗ | ↗ | – | – | – | ||
| 8 | USD Card | −$30 | 43 | C | 84% | Live | | Hybrid | 1%↗ | 0.32%↗ | Free↗ | Free↗ | Free↗ | – | – | – | 0↗ | Completed identity verification; card availability depends on verification country and document country↗ | 2%↗ | BTC↗ | $100↗ | All merchants worldwide, any category, personal cards↗ | Business and co-branded cards; accounts with suspicious or abusive activity can be limited↗ | None stated. Pending until the transaction clears, then paid daily; clearing takes about 1-3 days (USD) or up to 14 days (EUR)↗ | ↗ | Visa Platinum benefits, managed by Visa not KoloBitcoin cashback↗ | 1%↗ | 1%↗ | 0%↗ | – | 0.65%↗ | $1↗ | Free↗ | Free↗ | – | $9,000↗ | $9,000↗ | – | $500↗ | – | Hardline Holding Limited (AIFC, Kazakhstan)↗Earlier operators Cryppo UAB (Lithuania) and BURVIX Sp. z o.o. (Poland) | Kazakhstan↗ | 2022↗ | – | – | Open | @KoloHub↗ | https://t.me/koloann↗ |  Banco Popular de Puerto Rico (USD card, BIN 454,905)↗WIREX, LTD, UK (EUR card, BIN 442,601) | – | – | Visa Platinum↗ | 2025-02↗ | debit↗ | virtual↗ | Wallet secured by MPC: the user holds a key share needed to authorise every transaction; Kolo holds its own share, which alone cannot sign↗ | full↗ | Valid original ID document plus selfie liveness check; proof of address when requested (e.g. EUR card); source-of-funds documents for limit increases↗ | Usually a few minutes; manual review up to 1 hour↗ | – | USD (USD card); EUR (EUR card)↗ | USDEUR↗ | BTCETH LTCUSDT↗ |  Stellar PolygonSolana BNB Chain↗ | card-to-card (EUR card only)↗ | 0% on crypto deposits; sender network fees apply↗ | Each asset and network has its own minimum shown in the app; first activation deposit is the equivalent of $10 (USD card) or EUR 10 (EUR card)↗ | Crypto balance converted at the moment of payment; several assets can be combined in one payment↗ | ↗ | ↗ | ↗ | ↗ | ↗ | ↗ | USD card: weapons, wire transfers, quasi-cash, securities brokers, money transfer, gambling and lotteries, dating and escort services, adult content (most), political and religious organisations, among others; EUR card: 5,122, 5,169, 5,960, 5,962, 5,966, 7,273, 7,297, 7,801. Named blocked merchants include Wise, MoonPay, eToro, Skrill, Neteller↗ | EEAUKLATAMAPAC↗ | – | ↗ | ↗ | ↗ | – | SYIRCUKP↗ | ↗ | – | ↗ | EUR IBAN (SEPA) withdrawal for 1 EUR per transfer↗ | – | – | ↗ | In-app swap between supported assets; up to 100 wallets per account, 3 active cards at once↗ | ↗ | ↗ | – | – | – | – | – | – | – | – | Open | Open | EnglishGermanKazakhPortuguese↗ | https://my.kolo.in↗ | Help centreTelegram botEmail↗ | – | – | 47↗ | Payments in euros reported to go through a double conversion on early testsRefunds land on the fiat card balance rather than cryptoApp bugs reported by some usersPer-transaction cashback cap of $1 after the first month limits larger purchases↗ | Stable, low extra cost on USD-card payments in third currencies per some usersBTC cashbackSupport replies quickly (Cryptonoshi test)Wide range of identity documents accepted↗ | – | $137,100,000↗ | $20,500,000↗ | Referrer earns up to 40% of Kolo's fee on referrals' fee-based transactions↗ | – | – | – | ||
| 9 | Standard | −$36 | 42 | C | 79% | Live | | Self-custody | 1.5%↗ | 0.5%↗ | Free↗ | Free↗ | Free↗ | – | – | – | 0↗ | Completed KYC and a deposit↗ | 0%↗ | – | – | – | – | – | – | Visa Signature benefits (lounge access, travel assistance, car rental savings)Pay later in up to 9 installments, one every 28 days, at a fixed interest rate↗ | 1.5%↗ | – | Crypto: none published. Bank deposits via Bridge: USD ACH 0.4%, USD wire 1.0%, EUR SEPA 0.7%, GBP 1.0%, MXN 1.0%↗ | – | 0.65%↗ | $1↗ | – | – | – | – | – | – | 4 withdrawals a day↗ | – | Uruguay↗ | – | – | – | Open | @Exa_App↗ | – | Third National↗ | – | – | Visa Signature↗ | 2024-07↗ | secured credit↗ | virtual↗ | Passkey-secured smart account; deposits are placed in Exactly Protocol markets as collateral and can be liquidated if a loan becomes undercollateralised↗ | full↗ | – | About 3 minutes↗ | – | USD↗ | USD↗ | USDCETHwstETHWBTC↗ | OptimismEthereumBaseArbitrum↗ | ACHwireSEPAGBP bank transfer↗ | See top-up fee↗ | EUR 1, GBP 2, MXN 50 per bank deposit (after fee)↗ | Your deposited balance (Pay now) or a loan against it (Installments)↗ | ↗ | ↗ | – | – | ↗ | – | Cash-like transactions such as crypto, wire transfers and gambling may be restricted↗ | Latin AmericaEuropeAsia-PacificAfrica↗ | 160↗ | ↗ | – | – | – | – | Virtual accounts for USD (ACH/wire) and EUR (SEPA) via Bridge↗ | USDEUR↗ | – | USD ACH 0.4%, USD wire 1.0%, EUR SEPA 0.7% offramp↗ | – | ↗ | – | – | – | Passkeys↗ | ↗ | – | – | Exactly protocol and Exa App contracts audited by ABDK, Chainsafe, Coinspect, Hashlock, OpenZeppelin, Sherlock and Quantstamp; Quantstamp audited the Exa App plugin in Jul-2024, Mar-2025 and Oct-2025↗ | 5↗ | 4↗ | – | – | Open | – | EnglishPortugueseSpanish↗ | – | In-app chatEmail↗ | – | – | – | No cashbackNo physical card10,000 USD weekly purchase limit unless documents are provided↗ | Self-custody with passkeysPay later in installmentsFast chat support replies↗ | – | $24,100,000↗ | $1,714,000↗ | Experimental referral programme exists↗ | – | – | – | |||
| 10 | Pro Annual | −$62 | 31 | C | 100% | Live | | Custodial | 2.25%↗ | 0.5%↗ | – | $129↗ | – | Free↗ | Standard Mail: free (usually 5-30 days). DHL Express: fee varies by country, calculated at checkout (usually 3-10 days).↗ | Virtual card: $5 first replacement, $10 each after (min. 31 days between replacements)↗ | – | Paid annual subscription; benefits non-transferable↗ | 3%↗ | USDs (RedotPay card-spend credit)↗ | $18↗ | Apple Pay and Google Pay transactions only↗ | Refunded, disputed or ineligible transactions are clawed back↗ | Credited once the transaction clears; USDs expire 30 days after issue↗ | Same points program as Standard↗ | Free physical card (one-time $100 waiver)3% cashback on Apple Pay and Google Pay (cap $18/month)$1,000/month ATM fee waiver+1% APY on RedotPay Earn (first $1M; Earn regions only)↗ | 1.2%↗ | 1%↗ | 0%↗ | $1,000↗ | 2%↗ | – | Free↗ | $0.5↗ | $100,000↗ | $1,000,000↗ | – | – | $3,750↗ | $50,000↗ | Red Dot Technology Limited (Hong Kong)↗Group also includes Red F. Technology Limited, Red Dot Trust Limited, RedotX Global (Panama) S.A., Red Dot Payment Inc. (US) and RedotX (Tango) Limited Argentine Branch | Hong Kong↗ | 2,023↗ | $40,000,000↗ | LightspeedHSG (HongShan)Galaxy VenturesDST Global Partners↗ | Open | @RedotPay↗ | t.me/RedotPay↗ |  Xfers Pte Ltd (StraitsX), Singapore↗ | – | MSB registration, United States (Red Dot Payment Inc., no. 31000307035339)VASP registration no. 144, CNV Argentina (RedotX Argentina)Money Lender's Licence 1715/2025, Hong Kong (RedotPay Credit)↗ | – | – | 2023↗ | – | virtualphysical↗ | Crypto is deposited to RedotPay-controlled addresses and converted to USD when you pay; RedotPay says it is a fintech provider, not a bank, and Earn is not covered by deposit insurance.↗ | full↗ | Original physical government ID (valid 3+ months), face scan, residential address, short questionnaire; personal statement or source of funds on request↗ | Usually 1-3 business days when additional documents are requested↗ | 18↗ | USD↗ | USDHKD (legacy cards)↗ | BTCETHBNBSOL↗ | TRON (TRC20)EthereumSolana↗ | Card purchase of crypto (Buy Coins)SEPA (EUR funding account)FPS (GBP funding account)USD bank transfer (account number and SWIFT/BIC)↗ | 0↗ | – | USD balance after conversion; crypto is converted at the moment of payment (1% conversion fee). Optional Credit mode spends against crypto collateral.↗ | ↗ | ↗ | – | – | ↗ | ↗ | Some game credit and gaming platforms decline the card (e.g. PUBG Mobile, Free Fire, Brawl Stars, eFootball)1.5% fee (min $0.50) at listed merchants: Facebook Ads, Discord, Gulf Health Counsel and several games; first 3 per month freeSanctioned countries and individuals not usable↗ | Global (claimed 100+ countries)↗ | 100↗ | ↗ | ↗ | ↗ | – | AFALBYBA↗ | ↗ | USD (account number, SWIFT/BIC)EUR (IBAN)GBP (account number, sort code)↗ | ↗ | ↗ | – | ↗ | ↗ | RedotPay Credit (spend against crypto collateral, simple daily interest), RedotPay Earn, Crypto Loans, Points and prize draws, referral and partner program, scan-to-pay, RedotPay Trade (beta)↗ | ↗ | Google AuthenticatorPasskeyEmailPhone↗ | Face scan during KYC; app biometric login not documented↗ | – | – | – | 4.75↗ | 4,380↗ | 4.3↗ | 5M+↗ | Open | Open | EnglishArabicFrenchHindi↗ | – | In-app supportHelp center (Intercom)↗ | 24/7 (claimed)↗ | 3.4↗ | 1,120↗ | Withdrawals or transfers delayed or not arrivingFunds held or frozen after account closure or compliance reviewUnexplained deductions or negative balancesHard to reach a human; repeated chatbot answers↗ | Easy-to-use appFast virtual card setupSmooth crypto card paymentsGood international transfers↗ | 9,000,000↗ | $7,065,000,000↗ | $423,500,000↗ | Invite via link or code; invitee must register with it and complete KYC. Earn USDT commission on invitee card orders (paid instantly) and on their card payments (settled every 30 days), plus 10% of your invitee's own referral commission; higher referral levels pay higher rates.↗ | ↗ | – | Higher commission rates than standard referral; exact percentages not published↗ | |
| 11 | Standard | −$180 | 26 | C | 79% | Live | | Custodial | – | 1.5%↗ | Free↗ | Free↗ | Free↗ | €6.99↗ | 6.99 standard, 19.99 express, 29.99 lightning↗ | – | 0↗ | – | – | – | – | – | – | – | – | Disposable virtual cardsRoundup of card purchases into crypto (spare change)↗ | 1%↗ | 0%↗ | 0%↗ | €200↗ | 2%↗ | – | Free↗ | – | €100,000↗ | – | – | – | €3,000↗ | – |  Revolut Digital Assets Europe Ltd (crypto services, Cyprus)↗Revolut Bank UAB (payment account and card, Lithuania)Revolut Ltd (UK) | United Kingdom↗ | 2015↗ | – | – | Open | @RevolutApp↗ | – | Revolut Bank UAB (Lithuania) in the EEA↗Revolut Ltd / Revolut Bank UK in the UK | Revolut↗ | Specialised bank licence, Bank of Lithuania (Revolut Bank UAB)Crypto-asset service provider under MiCA, CySEC Cyprus (Revolut Digital Assets Europe Ltd)Full UK banking licence, PRA, Mar-11, 2026 (Revolut Bank UK Ltd)↗ |  Bank of Lithuania (bank)↗CySEC (crypto services) PRA and FCA (UK) | – | – | debit↗ | virtualphysicalmetal↗ | Revolut Digital Assets Europe holds your crypto as nominee, on trust for you; crypto is not covered by the European deposit guarantee or the Cyprus investor compensation fund↗ | full↗ | – | – | 18↗ | Base currency of your Revolut account (EUR, GBP, PLN and others)↗ | EURGBPPLNCZK↗ | BTCETHUSDCUSDT↗ | EthereumTronPolygonBitcoin↗ | bank transfer (SEPA, local rails)SWIFTdebit or credit cardApple Pay↗ | 0↗ | – | Crypto balance in the Revolut app, converted to fiat at the time of the payment↗ | ↗ | – | – | – | – | – | – | EEAUK↗ | – | ↗ | ↗ | ↗ | – | HUCHPT↗ | ↗ | – | ↗ | – | – | – | ↗ | Crypto staking, recurring crypto buys and a spare-change round-up that turns card purchases into crypto↗ | ↗ | ↗ | – | – | Crypto is not covered by the European deposit guarantee scheme↗ | – | 4.7↗ | 75,000↗ | – | – | Open | – | EnglishBulgarianCroatianCzech↗ | – | in-app chatemailX↗ | – | 4.7↗ | 485,586↗ | Outages that briefly block access to moneyTransfer delaysHard cash deposits and identity checksCrypto card costs higher than competitors per a review↗ | Fast support replies reported by a reviewWide choice of supported assets↗ | – | – | – | – | – | – | – | |
| 12 | Standard | $432 | 85 | D | 79% | Live | | Self-custody | – | – | Free↗ | Free↗ | Free↗ | – | – | Free↗ | 0↗ | Non-U.S. persons only; 18+; identity check by Sumsub; card charges are secured by collateral in your linked wallet↗ | 4%↗ | AVAX (Avalanche network)↗ | – | Settled card purchases of $1 or more↗ | cash advancesATM withdrawalscrypto, stablecoin, NFT and securities purchasesgambling↗ | None stated; calculated after settlement (usually 1 to 3 business days), paid once daily↗ | – | ↗ | 1%↗ | – | 0%↗ | – | 0.65%↗ | $1↗ | Free↗ | – | – | – | – | – | – | – | Malta↗ | – | – | – | Open | – | – | Third National (Puerto Rico chartered bank)↗ | Signify Holdings, Inc. (Rain)↗ | Card issued by Third National under licence from Visa↗ | – | – | 2026-09↗ | secured credit↗ | virtual↗ | Terms say Ethena Pay holds no customer funds or digital assets; custody is with third-party institutions or users' own self-custodial wallets. Sign-in uses passkeys↗ | full↗ | Government ID, proof of address, source-of-funds and tax information and liveness checks, as required↗ | – | 18↗ | USD↗ | USD↗ | USDe AVAX↗ | EthereumPolygonOptimismArbitrum↗ | bank transfer via funding partners MoonPay and Iron↗ | No Ethena Pay fee to fund in digital dollars; fiat deposits free; funding-partner, gas and issuer mint or redeem fees may add↗ | No minimum balance requirement↗ | Stablecoin collateral in your linked wallet secures charges; it is not a prefunded balance↗ | ↗ | ↗ | – | – | – | – | gamblingcrypto, stablecoin, NFT and securities purchasesgift cardsgovernment payments↗ | Latin AmericaCaribbeanAsia and Middle EastAfrica↗ | 47↗ | ↗ | – | ↗ | – | – | – | – | ↗ | ↗ | 5%↗ | – | – | Earn+ vault (third-party, Upshift and Steakhouse) with up to 12% APY on USD, Standard limit $20,000↗ | – | Passkeys↗ | Face ID or fingerprint↗ | – | ↗ | – | – | – | – | – | – | – | – | – | email support@ethenapay.cophone 1-844-ETHA-PAYin-app help and contact pagecomplaints@ethenapay.co↗ | – | – | – | – | – | About 1,400 active users from a waitlist of over 10,000, per the issuer on Oct-28, 2026↗ | – | – | $30 equivalent paid in AVAX for a qualifying new user, credited within about 30 days; caps may apply↗ | – | – | – | ||
| 13 | Core | $324 | 81 | D | 79% | Live | | Self-custody | – | – | Free↗ | Free↗ | Free↗ | – | – | – | 0↗ | None; all members start here↗ | 3%↗ | USDC↗ | $50↗ | Eligible purchases; list not published on the fee pages↗ | – | – | ↗ | Apple Pay and Google Pay at 0% feeCross-border fees covered by Solid↗ | 1.5%↗ | – | 0%↗ | – | – | – | – | – | $750,000↗ | – | – | – | – | – | Fuse Network Ltd (card terms)↗ | – | – | – | – | Open | @SolidYield↗ | SolidYield↗ | Rain or Wirex, assigned by country of residence↗Card terms name Third National | Rain (card infrastructure partner)↗Wirex in some countries | Visa licence (card programme)↗ | – | – | 2026-09↗ | secured credit↗ | virtual↗ | Solid states it is fully self-custodial with keys held by the user and passkeys; card terms say Solid and the issuer do not hold custody of collateral, which sits in a wallet on a supported blockchain↗ | full↗ | – | Minutes to order after ID check↗ | – | USD↗ | USDEUR (Wirex cards)↗ | USDCUSDTETHFUSE↗ | FuseEthereumBNB Smart ChainPolygon↗ | ACHWireSEPA (cash deposit via TransFi)↗ | Crypto: Fuse free, Ethereum 0.1%, other networks 0.03%; EURC on Base free; bank deposit 0.5% Core, 0.25% Prime, free Ultra; cash deposit 0.5% plus TransFi fee↗ | $10↗ | Card balance funded from the Solid balance; Wirex cards can spend a EUR balance or soUSD in Credit mode↗ | ↗ | ↗ | – | – | – | ↗ | High-risk merchants, gambling (depending on jurisdiction), unregulated financial services; gas stations limited to 2 transactions per 3 days with about $175 minimum balance↗ | Latin AmericaCaribbeanAfricaAsia↗ | – | ↗ | – | – | – | – | – | USD virtual account (account and routing numbers)↗ | – | Bank withdrawals free↗ | 4.5%↗ | ↗ | ↗ | – | ↗ | Passkeys; app store says two-factor protection↗ | – | – | Deposits at SSB may be FDIC-insured up to $250,000 per depositor; yield and borrowing via the Solid DeFi protocol are not↗ | Card page cites audited key infrastructure and audited vault strategies; no report named↗ | 3↗ | 6↗ | – | – | Open | Open | English↗ | ↗ | Help centrehello@solid.xyzTelegram↗ | – | – | – | Card not issued for some countries, e.g. a Spain-resident user with a Russian passport was refused (user report)Deposits under $10 do not reach the card; two wallets confuse users (Finek)↗ | – | – | $1,094,000↗ | $689,700↗ | ↗ | – | – | – | |
| 14 | Premium | $242 | 81 | D | 84% | Live | | Self-custody | 1.5%↗ | 0.4%↗ | Free↗ | $250↗ | Free↗ | Free↗ | – | – | 0↗ | KYC with ID and selfie; supported country of residence; age 18+↗ | 6%↗ | USDT on Arbitrum (USDC or USDT are eligible per the terms); claimed in the app↗ | – | All eligible card purchases; the monthly threshold is per user across all cards, at the highest tier held↗ | ATM and cash withdrawalsGaming and gamblingCash-like transactions (money orders, traveller's cheques, foreign currency, wire transfers, crypto purchases)Person-to-person transfers and account funding↗ | Paid in batches no later than 12 months after each month ends; the help centre says quarterly, around 3 months after the token launch↗ | Tria Points: 1 per $1 on Virtual, 1.5 per $1 on Signature and Premium; no fixed cash value↗ | Metal card plus a Lite virtual cardAirport lounge access via Visa (fee per visit)Price protection up to $2,000Purchase protection up to $10,000↗ | 0%↗ | 0%↗ | 0%↗ | Free↗ | 1%↗ | $1↗ | Free↗ | $2↗ | – | $100,000↗ | – | – | $750↗ | – | – | – | – | – | Open | – | – | Nimbus, LLC (international cardholders)↗Third National, LLC (US cardholders) | Rain↗ | – | – | Visa Platinum (Virtual); Visa Signature (Signature, Premium)↗ | 2025-09↗ | secured credit↗ | virtualphysicalmetal↗ | Terms say collateral stays in your linked wallet and can be liquidated by the issuer; the help centre top-up guide describes a card balance funded by converting your crypto↗ | full↗ | Personal details, valid ID document and a selfie↗ | About 20 minutes of onboarding↗ | 18↗ | USD↗ | USD↗ | USDCUSDTBTC↗ | BitcoinEthereumPolygonBase↗ | – | No Tria fee; a provider fee varies by token and route↗ | $50 for BTC; $10 for all other supported tokens↗ | Card balance credited after converting the deposit↗ | ↗ | ↗ | – | – | – | – | Gambling and gamingCash-like transactionsPerson-to-person transfers↗ | Global (150+ countries)↗ | 150↗ | ↗ | – | – | – | – | – | – | – | – | – | – | – | Self-custody wallet with trading, futures and Tria Earn (up to 6% Virtual, 10% Signature, 15% Premium boost)↗ | ↗ | – | ↗ | – | – | – | 3.5↗ | 40↗ | 4.2↗ | 100K+↗ | Open | Open | EnglishJapaneseKoreanSpanish↗ | https://app.tria.so↗ | In-app support↗ | – | – | – | Cashback is paid late; the terms allow up to 12 months and users report waiting 3 months or moreFunds cannot be taken back out of the card once topped upPhysical card delivery rolled out slowly (Japan only as of Jan-22, 2026)Help articles and terms disagree on prices, caps and fees↗ | High cashback at the Signature and Premium tiersSupport rated well by a reviewer↗ | 600,000+ users↗ | $183,600,000↗ | $15,790,000↗ | ↗ | – | – | – | ||
| 15 | Standard | $136 | 77 | D | 95% | Live | | Hybrid | 1.84%↗ | – | Free↗ | Free↗ | 2 free cards (virtual or physical) included; extra Standard virtual card $2↗ | $0 card fee + $40 delivery fee↗ | $40↗ | – | 0↗ | Verified KAST account (KYC level 2: government ID and liveness check)↗ | 1.5%↗ | USD cashback (credited to rewards balance, redeemed into card balance)↗ | $30↗ | All eligible Visa purchases up to $2,000 per month↗ | ATM withdrawalscash advancesmoney transfers and transfer-like transactionsquasi-cash↗ | Locked for a 14-day timelock, then manually redeemed in the app; clawed back if the purchase is refunded or charged back↗ | none↗ | Visa Platinum card (premium plastic)24/7 in-app supportCard designs: K Card, Solana Card, Bitcoin Card, Pengu Card↗ | 0.5-1.75↗ | 0%↗ | 0%↗ | – | 2%↗ | $3↗ | $1↗ | $0.5↗ | No fixed limit↗ | No fixed limit↗ | No fixed limit↗ | No fixed limit↗ | $1,500↗ | – | Singapore↗ | 2024-07↗ | $80,000,000↗ | QED Investors (co-lead)Left Lane Capital (co-lead)Peak XV PartnersHSG↗ | Open | @KASTxyz↗ | https://t.me/KASTCommunity↗ | – | – | – | Visa Platinum (Standard); Visa Infinite (Premium, Private)↗ | 2024-06↗ | secured credit↗ | virtualphysicalmetal↗ | Terms say transferred assets are sold to KAST and held by a custodian on behalf of KAST; Self-Custody Mode (KAST Personal accounts where enabled) keeps the balance in a segregated Solana wallet, KAST pays gas↗ | tiered↗ | Government photo ID (passport, national ID or driver's licence)Selfie / liveness checkProof of address (for level 3)Source of funds documents if requested↗ | Usually within minutes, up to 24 hours in some cases↗ | 18↗ | USD↗ | USD↗ | USDTUSDCPYUSDRLUSD↗ | SolanaEthereumTronPolygon↗ | ACHFedwireSWIFTSEPA↗ | Stablecoins 0% (plus network fee); ACH $2; Fedwire $15; SWIFT $30; SEPA 0.5%; non-stablecoin tokens vary by token↗ | – | USD balance after 1:1 stablecoin conversion (or USDC in a dedicated Solana wallet in Self-Custody Mode); redeemed cashback is used first↗ | ↗ | ↗ | ↗ | – | ↗ | ↗ | – | Global (supported-country list shown in app during sign-up)LATAMMiddle EastAPAC↗ | – | ↗ | ↗ | ↗ | – | – | – | USD virtual account (ACH, Fedwire, SWIFT)EUR virtual account (SEPA)↗ | KAST Tag transfers: free, instant, $10,000 daily max, 5 transfers per day↗ | ↗ | 8%↗ | – | ↗ | KAST Pay and payment linksKAST TagSolana staking with KAST validatorSelf-Custody Mode↗ | ↗ | ↗ | ↗ | – | – | – | 3.98↗ | 282↗ | 3.8↗ | 500K+↗ | Open | Open | EnglishSpanishChineseTurkish↗ | – | In-app Concierge chatEmailHelp Center (concierge.kast.xyz)↗ | 24/7 (Standard, Premium); VIP concierge for Private↗ | 2.6↗ | 253↗ | Deposits held under review (SEPA, ACH, PayPal)Accounts restricted or closed without clear reasonRepeated KYC/source-of-funds requestsSlow generic support↗ | Easy for first-time crypto usersFast transfers and depositsCashbackQuick support in some cases↗ | 1,000,000+ (Mar-2026); homepage says 'trusted by millions'↗ | $969,800,000↗ | $121,000,000↗ | Referrer earns up to $50 at $600 cumulative referred spend and up to $100 total at $1,600, plus $100 for a referred Premium and $1,000 for a referred Private subscription; referred friend gets 10% off first membership↗ | ↗ | Open | Per referral: spend milestones up to $100-200 ($600/$1,600 spend), one-time subscription commission $100-200 (Premium) or $1,000-2,000 (Private), ongoing 0.20-0.50% of the referral's card spend; referral gets 20% off first membership↗ | |||
| 16 | Brazil Card | $90 | 71 | D | 84% | Live | | Custodial | – | – | Free↗ | Free↗ | Free↗ | Free↗ | Free; delivery up to 14 days↗ | – | 0↗ | Full KYC with a Brazilian-issued ID or resident permit; Brazil residents↗ | 3%↗ | BRL↗ | $500↗ | Purchases paid with crypto; the BRL fiat part of a payment earns nothing↗ | ATM withdrawals and cash-like transactionsPayments to financial institutions, brokers and investment platformsGovernment payments (taxes, fines, court costs)Gambling↗ | None; paid out on the 10th of the following month↗ | – | Apple Pay and Google PayFlexible Rate Loan against crypto via the Borrow optionSpending can draw on Flexible Earn balancesCard can be bound to Mercado Pago and 99Pay↗ | 1.5%↗ | 0.9%↗ | 0%↗ | 2 withdrawals↗ | 0%↗ | $1.5↗ | – | – | – | $25,000↗ | $50,000↗ | $200,000↗ | $3,000↗ | $25,000↗ | – | – | – | – | – | Open | – | – |  Pomelo Instituição de Pagamento Ltda. (Brazil card)↗ |  Binance↗ | Payment institution authorised by the Central Bank of Brazil↗ | Central Bank of Brazil↗ | – | 2025-10↗ | debit↗ | virtualphysical↗ | Funds stay in the Binance exchange account until the moment of payment; spend order follows the user's payment priority list of 3 to 12 assets↗ | full↗ | National ID (RG/RNE), driver's licence (CNH), passport or resident's permit↗ | – | – | BRL↗ | BRLUSD↗ | USDTUSDCFDUSDBNB↗ | – | – | 0↗ | None to spend; 10 USDT equivalent in total to order a physical card↗ | Binance Funding and Spot accounts (and Flexible Earn) by payment priority, converted in real time↗ | ↗ | ↗ | – | – | ↗ | – | Gambling (no cashback)↗ | BrazilGlobal Program: selected countries (Colombia, Peru)↗ | – | ↗ | ↗ | ↗ | BR↗ | – | – | – | – | – | – | ↗ | – | – | ↗ | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | |
| 17 | Starter | $74 | 69 | D | 100% | Live | | Self-custody | 1.9%↗ | 0.6%↗ | Free↗ | Free↗ | Free↗ | $5↗ | – | – | 0↗ | KYC↗ | 1%↗ | Stablecoin (USDC/EURC) credited to a USD or EUR balance↗ | $15↗ | Card purchases, except excluded categories↗ | Cash and ATM withdrawalsCrypto purchasesGambling and bettingGovernment and judicial payments (taxes, fines)↗ | 14-day pending period, then claimable (one claim per 24 h, minimum $1); claimable rewards expire 12 months after pending ends↗ | – | No subscription rebatesUp to 50% off hotels via COCA Travel (per App Store listing)↗ | 0%↗ | 0%↗ | – | $250↗ | 2%↗ | – | – | – | $30,000↗ | $30,000↗ | $30,000↗ | – | $850↗ | $5,000↗ | CCA Labs - FZCO, Dubai Digital Oasis, UAE (reg. DSO-FZCO-31557)↗App Store seller CCA LABS - FZCO | United Arab Emirates↗ | – | – | – | Open | – | – | Wirex↗ | – | – | Visa Platinum↗ | 2024-01↗ | debit↗ | virtualphysical↗ | Privy-based wallet; deposits are held as wrapped USD/EUR tokens on Base and unwrapped at payment↗ | full↗ | – | – | 18↗ | USD or EUR↗ | USDEUR↗ | USDTUSDCEURC↗ | ArbitrumAvalancheBaseEthereum↗ | SEPAdebit or credit card from another bank↗ | COCA charges no additional fees apart from network fees; SEPA reported free↗ | – | USD or EUR balance (stablecoin deposits are converted 1:1 into the balance)↗ | ↗ | ↗ | – | ↗ | – | ↗ | – | UKEEAAsiaSouth America↗ | 76↗ | ↗ | ↗ | ↗ | – | AFKPCDER↗ | ↗ | EUR (SEPA)↗ | ↗ | – | 5%↗ | – | ↗ | Crypto account with swaps and ETH staking; COCA Travel hotel discounts↗ | ↗ | – | – | – | – | Privy: Cure53, Zellic, Doyensec reviews; SOC 2 Type I and IIMorpho: OpenZeppelin, Spearbit reviews↗ | 4↗ | 40↗ | – | – | Open | Open | EnglishFrenchGermanItalian↗ | – | Support tickets (in app and web form)EmailDiscord↗ | – | 2.9↗ | 30↗ | Funds or card inaccessible after an app update, slow support resolutionAccount closures with funds not returnedDeposits or transfers held pending compliance checksCashback claim limit introduced in Sep-2026 cut payouts (Finek)↗ | High cashbackGood conversion rates on card spending (user report)Self-custody model and salary IBAN↗ | – | – | $7,800,000↗ | Referrer gets $20, new user gets $10 after ordering a card and spending $100 on at least 3 merchants within 30 days↗ | – | – | – | ||
| 18 | Standard | $43 | 67 | D | 100% | Live | | Self-custody | – | 0.1%↗ | Free↗ | Free↗ | Free↗ | $49↗ | – | – | 0↗ | Identity verification in the Bitget Wallet app; at least $10 of wallet assets to apply (Asia-Pacific launch page)↗ | 2%↗ | Chosen asset: USDC, BTC, gold, or tokenised US stocks (NVIDIA, Google, Tesla, S&P 500)↗ | – | All purchases except restricted MCCs and refunded, reversed or cancelled transactions↗ | Restricted merchant category codes; refunded, reversed or cancelled transactions↗ | – | ↗ | Choice of cashback assetSpend at Visa and Mastercard merchants worldwide↗ | 1.7%↗ | 0.05% to 0.2%↗ | 0%↗ | – | 1%↗ | $5↗ | Free↗ | – | – | $50,000↗ | – | $990,000↗ | $10,000↗ | $100,000↗ | BitKeep Global Inc.↗ | – | – | – | – | Open | – | – |  UR, Immersve and DCS, depending on region↗ | – | – | – | 2024-10↗ | prepaid↗ | virtualphysical↗ | Wallet keys stay with the user. Topped-up card balance sits with the card programme and cannot be moved back to the wallet; if wallet control is lost the card still spends but cannot be topped up or recovered↗ | full↗ | ID or passport valid for at least 3 months (Asia-Pacific); proof of address in some regions↗ | From about one minute to about 10 minutes↗ | – | USD↗ | USD↗ | USDTUSDCETHSOL↗ | EthereumSolanaBaseArbitrum↗ | – | 0% on top-up at the Asia-Pacific launch; on-chain gas paid by the user↗ | – | Card balance in USD after you top up↗ | ↗ | ↗ | – | – | – | Spend anywhere Visa or Mastercard is accepted↗ | Restricted MCCs exist (they also earn no cashback); list not published on the card page↗ | EEAUKLATAMAPAC↗ | 50↗ | ↗ | ↗ | ↗ | – | – | – | – | – | – | – | Coming soon↗ | – | Bitget Wallet also offers Stablecoin Earn, swaps and a Protection fund↗ | – | – | – | – | Protection fund mentioned on the wallet site; terms not read↗ | – | 4.7↗ | 5,700↗ | – | – | Open | – | EnglishGermanJapaneseKorean↗ | ↗ | – | – | 3.1↗ | 74↗ | Frozen or blocked withdrawals on the walletSlow or automated support1.7% FX fee and 1% top-up fee cited in the one card reviewCard can be blocked after an AML trigger while the wallet stays usable (Finek chat, user report, Aug-02, 2026)↗ | Simple interfaceApple Pay supportMulti-chain support↗ | 100 million wallet users (wallet, not card)↗ | $47,680,000↗ | $1,782,000↗ | Referral codes give new users a bonus↗ | – | – | – | ||
| 19 | EU Card (Bybit EU, EEA and Switzerland) | $0 | 53 | D | 89% | Live | | Custodial | – | 0.25%↗ | Free↗ | Free↗ | Free↗ | Free↗ | – | €5↗ | 0↗ | None for the base rate; cashback tiers above 1% need Bybit VIP status↗ | 1%↗ | USDT-equivalent value via Auto Cashback; EUR value of points is 0.002 per point↗ | – | Card purchases; the EU page does not restrict to crypto-funded spend↗ | FeesRefunded or reversed transactionsATM withdrawalsPrepaid card and account top-ups (MCC 6540, 6012, 6011, 6555)↗ | Points pending 4 calendar days, then available; no point expiry↗ | Rewards Points, 500 points = 1 EUR↗ | 100% rebate in points on selected subscriptions (TradingView monthly, ChatGPT and others) for VIP users at Tier 2 and above↗ | 0.5%↗ | 0.9%↗ | 0%↗ | €100↗ | 2%↗ | – | Free↗ | – | €5,000↗ | €5,000↗ | €10,000↗ | €60,000↗ | €2,000↗ | €2,000↗ |  Bybit EU GmbH (crypto services, MiCAR) and Bybit Payments GmbH (e-money licence), both Austria, for the EU programme↗Bybit Fintech Limited publishes the global app | Austria (EU programme)↗ | – | – | – | Open | – | – |  EEA and Switzerland: Moorwand Ltd (UK) and Harmoniie SAS, per third parties↗Other regions vary | Bybit↗ | Bybit EU GmbH: MiCAR crypto-asset service provider, Austria, since May 2025Bybit Payments GmbH: Electronic Money Institution, Austria (FMA), granted Aug-04, 2026↗ | Financial Market Authority (FMA), Austria↗ | – | 2023-08↗ | debit↗ | virtualphysical↗ | Funds stay on the Bybit exchange account; crypto is sold to the card currency at payment↗ | full↗ | – | – | – | EUR (EU card); USD, ARS, BRL, MXN or PEN by region (global card)↗ | EURUSDARSBRL↗ | USDTUSDCBTCETH↗ | – | Buy Crypto (fiat purchase on Bybit)↗ | No top-up fee; funds come from the Funding Account↗ | – | Funding Account and Flexible Easy Earn balance, fiat first when switched on, then crypto by priority↗ | Yes in Argentina, AIFC, Georgia, Kazakhstan, Australia, Brazil, Peru; no in Asia Pacific and Mexico↗ | Yes in all global regions listed↗ | Australia only, via the Samsung Pay app↗ | – | – | Works for selected subscriptions with a points rebate; some merchants reject virtual or prepaid cards↗ | Cashback excluded on prepaid top-ups, money transfer, securities brokers, betting and casino↗ | EEASwitzerlandAsia PacificAustralia↗ | – | ↗ | – | ↗ | – | – | ↗ | – | – | – | – | – | – | Pay Later instalments on card purchases↗ | ↗ | – | – | – | – | – | 4.7↗ | 46,925↗ | – | – | Open | – | – | ↗ | Live chatEmailWeb form↗ | – | – | – | Cards blocked and questionnaires sent about subscription paymentsSlow and inconsistent customer supportCashback cut for ordinary users (base rate 1% in the EU, 2% capped at $5 abroad)↗ | Low 0.5% FX fee on the EU cardLarge ATM allowanceWorks with Apple Pay in many regions↗ | – | – | – | – | – | – | – | |
| 20 | Standard | −$10 | 51 | D | 79% | Live | | Self-custody | 0.38%↗ | 0%↗ | Free↗ | Free↗ | Free↗ | – | – | – | 0↗ | Identity verification (KYC) for the card; a separate bank-account KYC↗ | – | TUYO points (no cash value yet)↗ | – | – | – | – | TUYO points earned from card spend, trading, Earn balances and referrals; points have no stated cash value↗ | Visa card benefits (not confirmed by the issuer)Apple Pay and Google PayPersonal USD and EUR bank accounts via BridgeEarn: up to 4.0% APY on USD balance↗ | 1%↗ | 0%↗ | – | – | – | – | – | – | – | $50,000↗ | – | – | – | – | – | – | – | – | – | Open | – | – | Nimbus (Rain program)↗ | Rain↗ | Money transmitter licence, Puerto Rico (per Finek, held by issuer)↗ | – | Visa Platinum↗ | 2025-02↗ | debit↗ | virtual↗ | Funds stay in the user's control until the moment of spending; Earn strategy balances can also be spent. Account bans have not blocked withdrawals in at least one reported case↗ | full↗ | – | – | – | USD↗ | USD↗ | USDC↗ | BaseEthereumArbitrumOptimism↗ | Apple PayDebit or credit cardLinked US bank accountUSD bank transfer↗ | – | – | USDC balance on Base (Earn balance can be used if enabled)↗ | ↗ | ↗ | – | – | ↗ | – | – | Worldwide except restricted countriesUS↗ | – | ↗ | ↗ | ↗ | – | – | Personal USD account (ACH, Fedwire) and EUR account with IBAN via Bridge↗ | USDEUR↗ | – | – | 4%↗ | – | USDEUR↗ | Invest in BTC, ETH and curated DeFi strategies; AI integrations in early access↗ | – | – | – | – | – | – | 4.5↗ | – | – | – | – | – | English↗ | – | In-app chatEmail↗ | – | – | – | Account closed after a risk review in a reported case, with referral points lost (resolved as Tuyo error but not restored)Some users report ID verification rejected for certain residence permits or documentsRewards changed more than once: cashback promotions and Buy Now, Pay Maybe ended↗ | Good exchange rates between USD and EUR per FinekSelf-custody means funds could be withdrawn after account closure↗ | 100K+↗ | $22,670,000↗ | $2,113,000↗ | Referral link with a $10 bonus after 5 card payments of $5+ on separate days (Aug-2026); referrers earn a share of referees' points↗ | – | – | – | |
| 21 | Standard | −$15 | 49 | D | 84% | Live | | Self-custody | 1.57%↗ | – | Free↗ | Free↗ | Free↗ | – | – | – | 0↗ | Identity verification; not a US citizen (card terms); live in a supported country↗ | 0.2%↗ | WHYPE (wrapped HYPE), calculated in USD↗ | – | All card spend, net of refunds; credit and cash mode earn the same↗ | ATM withdrawals, wire transfers and financial-instrument purchases↗ | None stated; paid within 48 hours of clearing↗ | – | Visa Signature benefits (help centre article)Visa Airport Companion app access (help centre article)Agent cards with controlled limits for automated spending (review)↗ | 1%↗ | – | Fiat: ACH 0.12% + $0.25; Fedwire 0.12% + $18; SWIFT 0.12% + $35; SEPA 0.2% + EUR 1. Crypto: network cost only↗ | – | 0.65%↗ | $1↗ | – | $0.6↗ | – | – | $100,000↗ | – | – | – | Zoeion Ltd Corporation (app developer listed as Beater FND)↗ | Panama↗ | – | – | – | Open | @hyperbeat↗ | – | Third National↗ | – | – | Visa Signature↗ | 2026-01↗ | secured credit↗ | virtual↗ | Wallet is created at sign-up, keys handled through Turnkey with email recovery and key export; Hyperbeat says it cannot freeze or move the wallet. Spending is settled by an operator within an on-chain allowance↗ | full↗ | Passport (preferred), national ID or driving licence; selfie liveness check; proof of address in some regions↗ | About 2 minutes if documents are correct↗ | Adult of legal age in the country of residence↗ | USD↗ | USD↗ | USDCUSDTBTCETH↗ |  HyperEVMBitcoinEthereumSolana↗ | ACHFedwireSWIFTSEPA↗ | ACH 0.12% + $0.25; Fedwire 0.12% + $18; SWIFT 0.12% + $35; SEPA 0.2% + EUR 1↗ | – | Cash Mode: USD balance in your Liquid Bank account; Credit Mode: stablecoins borrowed against your collateral↗ | ↗ | ↗ | – | – | – | – | Cash-like transactions (foreign currency, wire transfers, crypto, lottery, casino chips, betting, P2P transfers) may be limited; internet gambling can be denied. Cash advances and balance transfers are not available↗ | LATAMAPACMEACaribbean↗ | – | – | – | – | – | CA-ON↗ | – | USD (ACH, Fedwire)EUR (SEPA)↗ | – | – | 8%↗ | ↗ | – | Savings vault USD+; trade integration with Hyperliquid↗ | ↗ | Passkey sign-in with email verification↗ | – | – | – | Independent audits of the account contracts, reports on GitHub (0xhyperbeat/Audits); reviews name Zellic and Nethermind↗ | 2.8↗ | 5↗ | – | – | Open | – | EnglishSimplified ChineseSpanishFrench↗ | ↗ | In-app chat (Beater Support)support@hyperbeat.orgHelp centre (help.hyperbeat.org)↗ | – | – | – | – | – | – | $3,713,000↗ | – | ↗ | ↗ | – | – | ||
| 22 | Standard | −$24 | 42 | D | 63% | Live | | Hybrid | – | – | Free↗ | Free↗ | Free↗ | – | – | – | 0↗ | Fiat24 KYC; citizen and resident of a supported region; minimum 10 USD/EUR/CHF balance to activate the card↗ | – | – | – | – | – | – | Account points raise the account tier (reassessed monthly from 3 months of points); Silver tier gets a 0.1% top-up rebate↗ | Apple Pay, Google Pay and Samsung PaySwiss IBAN account (EUR, CHF, USD, CNY)↗ | 1%↗ | 0%↗ | 0%↗ | – | – | – | – | – | – | $10,000↗ | $20,000↗ | – | – | – | – | – | – | – | – | Open | – | – | SR Saphirstein AG↗ |  SafePal with Fiat24↗ | – | – | – | 2023-11↗ | debit↗ | virtual↗ | Crypto is deposited into a Fiat24 Swiss IBAN account (balances held as EUR24, USD24, CHF24 tokens); the card spends from that account↗ | full↗ | – | – | – | USD↗ | EURUSDCHFCNY↗ | USDC↗ | Arbitrum↗ | Bank transfer to the Swiss IBANThird-party on-ramps in the app↗ | 0% standard; as low as 0.4% (best tier) per other page; gas and swap spread apply↗ | – | Fiat24 account balance after top-up↗ | ↗ | ↗ | ↗ | – | ↗ | – | Payments to OFAC-sanctioned countries or entities are rejected; some transport, utility and in-flight payments limited in certain countries↗ | – | – | – | – | – | – | – | Personal Swiss IBAN↗ | EURCHFUSDCNY↗ | Transfers between accounts within Fiat24 are free↗ | ↗ | – | ↗ | ↗ | Refunds cost 1 USD/EUR/CHF (7 CNH) each, deducted from the refund (from May-15, 2026)↗ | – | – | – | – | – | – | – | – | – | – | – | – | – | – | Zendesk help centre and request form↗ | – | – | – | – | – | – | $38,800,000↗ | $34,200↗ | Referral commissions up to 40% of referred accounts' top-up fees, by tier↗ | – | – | – | |
| 23 | U.S. | −$48 | 35 | D | 79% | Live | | Self-custody | – | – | Free↗ | Free↗ | Free↗ | Free↗ | Free↗ | – | 0↗ | Collateral of at least the amount you want to spend↗ | – | Avax Points (ERC-20 loyalty points, $0.01 face value)↗ | – | Purchases; fees, interest, cash advances, balance transfers, chargebacks and refunds excluded↗ | Fees and interestCash advances and cash equivalentsBalance transfersChargebacks and disputed transactions↗ | Points go Pending, Ready, then Minted; only Minted points can be redeemed↗ | Avax Points: statement credit at 70% of face value ($0.007 per point) or travel portal at full face value ($0.01)↗ | Up to 3 virtual cards and 1 physical card per accountApple Pay and Google Pay↗ | 2%↗ | 0%↗ | 0%↗ | – | – | – | – | – | – | – | – | – | – | – | Rain Liquidity LLC (app publisher)↗Card issued by Third National (Nimbus LLC) | – | – | – | – | Open | @TheAvaxCard↗ | – | Third National (Nimbus LLC, d/b/a Third National)↗ | Rain Liquidity↗ | – | – | – | 2025-02↗ | secured credit↗ | virtualphysical↗ | Collateral is held in smart contracts on supported blockchains and can be liquidated at any time without notice to repay charges; withdrawing needs 3 business days notice under the U.S. agreement↗ | full↗ | Full name, email, date of birth, SSN or national ID number, government ID and selfie↗ | Usually seconds, up to 72 hours for manual review↗ | 18↗ | USD↗ | USD↗ | USDCUSDTAVAXWAVAX↗ | Avalanche↗ | – | None charged by the issuer; user pays network gas↗ | – | Collateral posted from your own wallet; spending limit equals collateral value for stable assets↗ | ↗ | ↗ | – | – | – | – | – | US (many states)Latin AmericaCaribbean↗ | – | ↗ | – | – | – | BYCUINIR↗ | – | – | – | – | – | – | – | Spending is a collateralised credit line: purchases are repaid by liquidating collateral↗ | ↗ | – | – | – | – | – | 3.2↗ | 30↗ | – | – | Open | Open | EnglishSpanish↗ | – | Email: support@avalanchecard.comPhone: 1-202-899-8909In-app support↗ | – | – | – | Forced re-logins and app bugsVerification problemsSlow support↗ | Clean, functional appFavorable currency conversion↗ | – | $33,060,000↗ | $2,849,000↗ | – | – | – | – | |
| 24 | Platinum | −$46 | 35 | D | 84% | Live | | Self-custody | 1.59%↗ | 0.2%↗ | Free↗ | Free↗ | $15↗ | $50↗ | Free untracked delivery in 3-4 weeks; tracked priority delivery in 1-2 weeks costs $15 (US) or $50 (international)↗ | Same fees as a new card↗ | 0↗ | Deposit USDC into the user's Loan Escrow contract to create card balance; identity verification through Sumsub↗ | 0%↗ | – | – | – | – | – | None for card spending↗ | ↗ | 0%↗ | 0%↗ | 0%↗ | – | 0.65%↗ | $1↗ | – | $0.6↗ | – | – | – | – | $3,000↗ | – | United States↗ | – | – | – | Open | – | – | Third National↗ | Rain↗ | Card programme issued under licence from Visa↗ | – | Visa Platinum; Visa Signature↗ | 2024-12↗ | secured credit↗ | virtualphysical↗ | USDC sits in an escrow smart contract owned by the user's wallet; the terms say Avici and the issuer do not hold custody of the collateral. Top-ups sent from Solana are bridged to the EVM card contract↗ | full↗ | Personal information, ID documents and liveness check↗ | A few minutes↗ | – | USD↗ | USD↗ | USDC↗ | – | – | 0↗ | $1↗ | USDC balance in the user's Loan Escrow contract, shown as USD card balance↗ | ↗ | ↗ | – | ↗ | – | ↗ | GamblingCash and quasi-cashMoney transferFinancial and securities↗ | AmericasAsia-PacificMiddle East and Africa↗ | 48↗ | ↗ | – | – | – | BYCNCUIN↗ | – | – | – | – | – | – | – | Self-custodial wallet with swaps, stablecoin and asset yields, US stocks and a credit line section in the docs↗ | ↗ | – | – | – | Signature includes Visa travel insurance; no deposit insurance↗ | – | 4.4↗ | 51↗ | – | – | Open | – | English↗ | – | In-app support↗ | – | 3.3↗ | 10↗ | No cashbackDaily ATM limitSlow account activation and support going quiet on a frozen payment (single Trustpilot report)Aug-2026 contract exploit↗ | Convenient appZero fee on foreign purchases from AviciCompliance process described as light by Finek↗ | – | $41,130,000↗ | $3,681,000↗ | New user gets an $8 bonus with a referral (standard $5); referrer earns 2% of the friend's eligible card spending for the first 90 days↗ | – | – | – | ||
| 25 | Send Card | −$60 | 31 | D | 68% | Live | | Hybrid | – | – | Free↗ | Free↗ | Free↗ | – | – | – | 0↗ | Send account, identity verification by the card issuer, and a registration country from the supported list↗ | – | – | – | – | – | – | – | Add to Apple Pay and Google WalletInstant lock and unlockOwn spending limit you can set in the appReissue with a new number keeping the balance↗ | USD 0%; EUR 1%; GBP 1%; most other currencies 2-3%↗ | – | – | – | – | – | – | – | – | – | – | – | – | – | United States↗ | – | – | – | Open | – | – | WIREX Limited (England and Wales, company no. 09334596)↗ | Wirex↗ | – | – | – | 2026-08↗ | debit↗ | virtual↗ | The Send balance is held in the user's Send wallet (Send states it does not hold users' funds). Money loaded onto the card becomes a separate USD balance under the Wirex card program, which governs what happens to it on termination.↗ | full↗ | Full legal nameDate of birthAddressPhone number↗ | Approval is described as usually quick; verification must be done in one session↗ | – | USD↗ | USD↗ | USDC↗ | Base↗ | Debit card (up to $500 per week)Apple Pay (debit cards only)↗ | Send charges $0.00 for debit card deposits↗ | $10 per debit card deposit↗ | A separate prefunded USD card balance, loaded from the Send balance↗ | ↗ | ↗ | – | ↗ | ↗ | ↗ | GamblingDating servicesPharmaceutical and chemical wholesalers↗ | EuropeAmericasAsia-PacificMiddle East and Central Asia↗ | 80↗ | ↗ | ↗ | ↗ | ADATBEBG↗ | RUBYIRKP↗ | – | – | ↗ | – | – | – | ↗ | Send Savings, swaps and investing in a small list of assets exist in the app, outside the card↗ | ↗ | Passkey confirms loading the card; SMS code for wallet provisioning↗ | ↗ | – | – | – | 5↗ | 27↗ | – | – | Open | Open | English↗ | ↗ | In-app support and help centre at support.send.app↗ | – | – | – | – | – | – | $147,800↗ | $32,170↗ | – | – | – | – | ||
| 26 | Classic | −$88 | 27 | D | 95% | Live | | Custodial | – | – | Free↗ | Free↗ | Free↗ | Free↗ | – | $25↗ | 0↗ | Level 2 KYC; starting cashback tier set by Gate VIP level at application↗ | 1%↗ | points (100 points = 1 USDT, redeemable for USDT or GT)↗ | $5↗ | Card purchases↗ | Fiat payments; fees, deposits and withdrawals; cancelled or refunded orders; financial services, stored value cards, currency exchange, money orders, traveler's cheques↗ | None; points do not expire↗ | Gate Card points: 100 points = 1 USDT; manual redemption from 50 points; per-transaction earning caps from 200 points (T0) to 15,000 (T5)↗ | Up to 50% subsidy on AI subscriptions (promotion)Referral: 5 USDT for referrer, 2 USDT for friend↗ | 0.4%↗ | 0.9%↗ | 0.9%↗ | – | 2%↗ | – | Free↗ | – | $10,000↗ | $10,000↗ | $50,000↗ | $50,000↗ | $5,000↗ | $15,000↗ |  Gate Technology Ltd (Malta, reg. C89337) for the EEA↗Gate US, Inc. for the US | – | – | – | – | Open | – | – | Stanhope Financial UAB (EEA)↗Lead Bank via Bridge (US prepaid) | Bridge (US prepaid card)↗ | Gate Technology Ltd: MFSA Crypto-Asset Service Provider (GTEC-25238)Gate Technology Ltd: MFSA Financial Institution (GTEC-25926)↗ | MFSA, Malta (exchange entity, EEA)↗ | Visa Platinum (Classic)↗ | 2026-03↗ | debit↗ | virtualphysical↗ | Card is linked to a Gate Pay account; assets stay in their original form until a purchase, when they are converted and settled. Spend can draw on Gate Pay, Spot and Simple Earn balances↗ | full↗ | Level 2 verification; proof of address for some cards↗ | Virtual card review usually 3-5 minutes↗ | – | USD↗ | – | USDTBTCETHGT↗ | – | – | 0.9% top-up (Gate US prepaid card); Classic converts at 0.9% when spending↗ | – | Gate Pay, Spot or Simple Earn balance, converted at purchase↗ | ↗ | ↗ | – | – | ↗ | ↗ | Financial services, stored value cards, currency exchange, money orders and traveler's cheques earn no cashback↗ | Non-restricted countries (list not published)EEA (Midnight variant)US (prepaid variant)↗ | – | ↗ | – | ↗ | – | – | – | – | – | – | – | – | – | – | – | – | – | ↗ | FDIC coverage only for funds at Lead Bank for the US prepaid card issuance; not for crypto balances↗ | – | 4.3↗ | 5,200↗ | – | – | – | – | – | – | support@gate.com↗ | – | 1.5↗ | 1,400↗ | – | – | – | $11,190,000↗ | $3,790,000↗ | 5 USDT for the referrer and 2 USDT for the friend, plus up to 0.2% commission on the friend's card spend for 12 months↗ | – | – | – | |
| 27 | Basic | −$161 | 21 | F | 74% | Live | | Custodial | – | – | Free↗ | – | $10↗ | – | – | – | 0↗ | First top-up of at least $10 to unfreeze the card; one DCS card per person↗ | 0%↗ | – | – | – | – | – | – | Up to 2 active cards↗ | 1.5%↗ | – | 1%↗ | – | 1%↗ | $2↗ | Charged after 90 days without logging in to the app; amount not stated↗ | $0.50 per declined cross-border payment; $0.20 at Singapore merchants↗ | – | No daily limit currently↗ | – | – | – | – | Pooltech Limited (app publisher)↗ STRATUSPAY FINTECH LIMITED (Canada, FINTRAC MSB C100000785) named on the site | – | – | – | – | Open | – | Official community with a 'DogPay Support Assistant' (link not published on the page read)↗ | DCS Card Centre Pte. Ltd.↗ | – | – | – | 2025-01↗ | prepaid↗ | virtual↗ | Prepayments become DCS's property on receipt and are not held on trust; a balance left after termination is kept in a separate bank account and refunded only on written request within 30 days↗ | full↗ | Passport or residence permit with face check, proof of address from a listed country, and a DCS application form (employment, source of funds)↗ | 1 to 3 business days↗ | 18↗ | USD↗ | USD↗ | USDT↗ | – | – | – | $10↗ | Card balance in USD after converting deposited USDT in the app↗ | ↗ | ↗ | – | – | – | ↗ | – | – | 180+ countries and regions in the payment network (App Store text)↗ | – | – | – | – | AFALBYBA↗ | – | Business-oriented virtual bank accounts (US, HK, SG) on the pricing page; not confirmed for personal users↗ | – | – | 6%↗ | – | – | – | ↗ | – | – | – | – | – | 5↗ | 4↗ | – | – | Open | – | English↗ | https://mp.dogpay.com↗ | Telegram support assistantEmail↗ | – | – | – | – | – | – | $21,820,000↗ | $3,432,000↗ | – | – | – | – | ||
| 28 | Standard | −$176 | 21 | D | 63% | Live | | Self-custody | – | – | – | $20↗ | Free↗ | Free↗ | US Express $24.99 (2-5 business days); international Express $59.99 (5-11 business days)↗ | – | 0↗ | KYC, age 18+, supported region↗ | 0%↗ | points↗ | – | – | – | – | Every transaction earns Solayer Card Points; 10% of referrals' points go to the referrer. Points value and redemption are not published↗ | Solayer Card PointsReferral points (10%)Optional yield on sUSD balance (about 4-5%, not a card feature)↗ | 1.5%↗ | – | 1%↗ | – | – | – | No fee; card is deactivated after six months without use and a new card must be requested↗ | – | $250↗ | – | – | – | – | – | – | – | – | – | Open | – | – | – | – | – | – | 2025-03↗ | – | virtualphysical↗ | – | full↗ | – | 3-5 business days↗ | 18↗ | USD↗ | USD↗ | USDC↗ | Solana↗ | – | 1% (fee page); 0.5% (FAQ); $0.10 (tutorial)↗ | – | USDC balance deposited into the card↗ | ↗ | ↗ | – | – | – | – | – | – | – | ↗ | ↗ | – | – | CAGBINCN↗ | – | – | ↗ | – | 4.5%↗ | – | – | – | ↗ | – | – | – | – | – | – | – | – | – | – | – | – | https://app.solayer.org/card↗ | In-app supportsupport@solayer.orgDiscord↗ | – | – | – | Highest all-in cost of five compared cards on a small EUR purchase, due to deposit and per-transaction fees (user report)↗ | – | – | $29,810,000↗ | – | Referrers earn 10% of their referrals' Solayer Card Points↗ | – | – | – | |||
| 29 | Personal | −$206 | 18 | D | 79% | Live | | Custodial | – | – | Free↗ | Free↗ | $5↗ | $99↗ | – | $15↗ | 0↗ | KYC verification; unavailable to citizens/residents of unsupported countries↗ | 0%↗ | – | – | – | – | – | Referral rewards in karats (1 karat = 0.01 USDT), earned from friends' spending↗ | Referral rewards in karats↗ | 1%↗ | 1.5%↗ | Stablecoins free (Tron TRC-20 5.90 USDT); ACH 0.30% + 2.50 USDT; SWIFT 0.30% + 37.50 USDT; US wire 0.30% + 30 USDT; SEPA 1.00% + 2.00 USDT; PIX 1.00% + 0.50 USDT; COP 1.00% + 0.50 USDT; SPEI 1.00%↗ | Free↗ | 2.5%↗ | $1↗ | Free↗ | ATM declines cost 1 USDT; no fee published for other declines↗ | $25,000↗ | – | – | – | – | – | United States↗ | – | – | – | Open | @Karta_Personal↗ | https://t.me/karta↗ | Third National Bank↗ | – | – | Visa Signature↗ | 2024-12↗ | – | virtualphysicalmetal↗ | – | full↗ | – | Up to about 5 minutes↗ | – | USD↗ | USD↗ | USDTUSDC↗ | EthereumSolanaPolygonBase↗ | ACHSWIFTUS domestic wireSEPA↗ | Stablecoins free (Tron 5.90 USDT); bank transfers 0.30% to 1.00% plus fixed fee↗ | 1 USDT per network; 15 USDT on Tron↗ | Personal account balance (USDT)↗ | ↗ | ↗ | – | ↗ | – | – | – | Worldwide except sanctioned countries↗ | 200+ countries and territories where Visa is accepted↗ | ↗ | – | – | – | SYIRCUKP↗ | – | Virtual accounts for USD, EUR, BRL, COP, MXN top-ups↗ | – | ↗ | – | ↗ | – | Withdrawal to external crypto wallets: network fee 0.9 to 4.9 USDT plus 0.1% service fee↗ | – | – | – | – | Not FDIC insured↗ | – | – | – | – | – | – | – | – | Telegram mini app: https://t.me/Karta/app↗ | In-app support and help centre↗ | – | – | – | – | – | Over 20,000 monthly users↗ | $155,100,000↗ | $18,050,000↗ | Earn karats from friends' spending (1 karat = 0.01 USDT)↗ | – | – | – | |||
| 30 | Virtual card | −$252 | 11 | F | 68% | Live | | Custodial | 2.97%↗ | – | – | – | $1↗ | – | – | – | 0↗ | Full KYC through the Telegram mini app before the card works↗ | 0%↗ | – | – | – | – | – | – | eSIM purchases with cashbackAirport lounge booking discounts↗ | 1.5%↗ | – | – | – | 0%↗ | – | – | – | – | – | – | – | – | – | BF TECHNOLOGIES CORP. (British Columbia, Canada, reg. no. BC1551114)↗ | Canada↗ | – | – | – | Open | @bfinancepay↗ | https://t.me/bfinancepay↗ | – | BF TECHNOLOGIES CORP.↗ | FINTRAC registration No. C10001733 (Canada)↗ | FINTRAC (Canada)↗ | – | 2024-09↗ | – | virtual↗ | – | full↗ | Identity verification run by Sumsub↗ | A couple of minutes after KYC the card is ready↗ | 18↗ | USD↗ | – | USDTUSDC↗ | EthereumBNB Smart ChainSolanaArbitrum One↗ | SEPAACHFedwireFaster Payments↗ | Incoming bank payments 0.5%↗ | – | Balance held in the BFinance account↗ | ↗ | ↗ | – | – | ↗ | ↗ | – | EEAUKUSLATAM↗ | 77↗ | ↗ | ↗ | ↗ | ADATBEBG↗ | – | – | USD (ACH, Fedwire)EUR (SEPA)GBP (Faster Payments)BRL (PIX)↗ | – | – | – | ↗ | ↗ | Bank account costs $5 a month per Paymentscan↗ | – | – | – | – | – | – | – | – | – | – | – | – | – | Telegram mini app (t.me/bfinancebot/app); a business dashboard exists separately↗ | Telegram support botsupport@bfinance.app↗ | – | 3.7↗ | 11↗ | Withdrawals or transfers delayed or stuck under reviewSlow or unresponsive supportPayments blocked until full KYC, not explained upfrontTelegram bot interface felt limiting↗ | Simple to top up and spend cryptoCard works with Apple Pay↗ | – | $49,730,000↗ | $1,139,000↗ | – | – | – | – | |
| 31 | Standard | −$11 | 15 | D | 89% | Closing | | Self-custody | 0.47%↗ | – | Free↗ | – | Free↗ | Free↗ | Free↗ | €4.99↗ | 0↗ | – | 0%↗ | GNO (programme ended)↗ | – | – | – | – | – | – | 0%↗ | 0%↗ | – | €200↗ | 2%↗ | – | – | – | €5,000↗ | €8,000↗ | – | – | €500↗ | – |  Gnosis Pay Co Ltd (UK company no. 14919639)↗ | United Kingdom↗ | – | – | – | Open | – | – | Monavate Limited↗ | Gnosis Pay Co Ltd↗ | Electronic Money Institution, UK FCA (FRN 901097), Monavate Limited↗ |  UK Financial Conduct Authority (for Monavate Limited)↗ | – | 2024-01↗ | debit↗ | virtualphysical↗ | Funds sit in the user's own Safe smart-contract wallet on Gnosis Chain; the Safe is authorised to spend the configured token. After closure the Safe stays yours and can be used with any Safe-compatible interface↗ | full↗ | – | – | – | EUR↗ | EUReGBPeUSDC.e↗ | EUReGBPeUSDC.eUSDC↗ | Gnosis ChainCelo↗ | SEPA↗ | – | – | Stablecoin balance in the user's own Safe, 1:1↗ | ↗ | ↗ | – | – | ↗ | Recurring payments work until Dec-20, 2026 and then fail; they cannot be moved to another card↗ | – | EEAUKSwitzerland↗ | – | ↗ | ↗ | ↗ | – | – | Personal EUR IBAN via Monerium, linked to the wallet; keeps working after the card closes↗ | – | – | – | – | ↗ | EURe, GBPe, USDC.e↗ | – | ↗ | – | – | Not applicable: funds stay in the user's own Safe↗ | – | – | – | – | – | – | – | – | – | app.gnosispay.com (closes Dec-20, 2026; the withdrawal page stays open)↗ | Help centre; general cardholder support ends Jun-18, 2027, disputes and chargebacks support ends Jun-12, 2028↗ | – | – | – | Cashback needed a GNO balance↗ | Self-custody with a personal IBANNear-zero FX on EUR and GBP↗ | – | $215,900,000↗ | – | – | – | – | – | |
| 32 | Standard | −$144 | 12 | F | 84% | Paused | | Self-custody | – | – | Free↗ | Free↗ | Free↗ | – | – | – | 0↗ | KYC in the Solflare app (name, address, government ID); resident of a supported country, approved case by case↗ | 0%↗ | – | – | – | – | – | Raffle-style rewards via 'The Benefits' platform↗ | – | 1%↗ | – | 0%↗ | – | 0%↗ | – | – | – | $5,000↗ | $10,000↗ | $30,000↗ | – | $500↗ | $2,500↗ | Solrise Research LTD (app publisher)↗ | – | – | – | – | Open | – | – | Monavate (BIN sponsor, community report)↗ Programme run by Kulipa, now wound down | Kulipa (wound down Jul-2026)↗ | – | – | – | 2025-09↗ | debit↗ | virtualphysical↗ | USDC stays in the user's own Solflare wallet and is charged at purchase; Kulipa held no customer balances↗ | full↗ | Name, address, government ID, driving licence or passport↗ | 1 to 2 minutes typically↗ | 18↗ | USDC↗ | – | USDC↗ | Solana↗ | – | – | – | Directly from the self-custodial Solflare wallet, USDC on Solana↗ | ↗ | ↗ | – | ↗ | – | – | – | EEAUK↗ | – | – | ↗ | ↗ | – | – | – | – | – | – | – | ↗ | – | – | ↗ | – | ↗ | – | – | – | 4.8↗ | 10,000↗ | – | – | Open | – | EnglishFrenchGermanPolish↗ | – | support@solflare.com↗ | 24/7↗ | – | – | Card-to-card top-ups worked for some users, then stopped on Monavate cards in Mar-2026Kulipa programme dropped several countries in 2026Cards stopped working without notice when the partner failed on Jul-28, 2026↗ | Self-custody: no top-up step and funds stay in the walletCard-to-card transfers from some banks worked in late 2025↗ | – | $6,698,000↗ | Free↗ | – | – | – | – | |
| 33 | Standard | – | 11 | F | 32% | Closed | | Self-custody | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | Open | – | – |  Reap (Hong Kong)↗ | – | – | – | – | 2023-11↗ | – | virtualphysical↗ | – | full↗ | – | – | – | USD↗ | – | – | EthereumSolanaNobleBase↗ | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | Physical card purchase price was not refunded at shutdown↗ | – | – | – | $25,200↗ | – | – | – | – | |
| 34 | Metal | $60 | 11 | F | 100% | Closed | | Self-custody | – | – | – | $120↗ | Free↗ | Free↗ | Free↗ | – | 0↗ | – | 3%↗ | Ready Rewards points (STRK before May-01, 2026)↗ | – | – | – | Points redeemed to refund card purchases↗ | Ready Rewards, from May-01, 2026; points refund card transactions↗ | 16g metal Mastercard in gold or silverReady Travel hotel rates↗ | 0%↗ | 0%↗ | 0%↗ | $800↗ | 2%↗ | – | Free↗ | – | $5,000↗ | $10,000↗ | $30,000↗ | – | $500↗ | $2,500↗ | Argent Labs Limited↗ | United Kingdom↗ | 2017↗ | – | – | Open | – | – | Kulipa↗ | Kulipa described as a regulated e-money institution (one report) or as an agent of an EMI (another report)↗ | – | Mastercard Debit Standard↗ | 2024-11↗ | debit↗ | virtualphysicalmetal↗ | USDC stayed in the user's Starknet smart-contract wallet and the card drew on it at purchase; the wallet uses a Ready co-signer, but Ready says it cannot move funds alone↗ | full↗ | – | – | – | USD↗ | USD↗ | USDC↗ | Starknet↗ | bank deposit (auto-converted)RampBanxa↗ | 0%↗ | – | USDC balance in the user's own wallet, checked at purchase↗ | Not supported; listed as coming soon↗ | Supported↗ | – | Approved in the app↗ | ↗ | – | – | EEAUK↗ | – | ↗ | ↗ | ↗ | – | – | – | USD account in the user's name↗ | – | – | – | ↗ | – | – | Instant in-app freeze↗ | – | Face ID approval↗ | – | – | – | 4.5↗ | 2,300↗ | – | – | Open | – | EnglishPortugueseSpanish↗ | – | in-app chatemail↗ | – | 2.3↗ | 10↗ | Card frozen or funds stuck after a regulation noticeMetal card not deliveredCashback cut from 3% to about 1% and moved to pointsNo Apple Pay↗ | Low conversion feesFast support replies in a test↗ | – | $61,680,000↗ | Free↗ | Referral bonus exists; boosts points on Metal for two referred friends↗ | – | – | – | ||
| 35 | Standard | $108 | 10 | F | 68% | Closing | | Hybrid | – | – | Free↗ | Free↗ | Free↗ | – | – | – | 0↗ | None; default tier (0 to 9,999 points)↗ | 1%↗ | USDC↗ | $50↗ | Settled purchases made with the VaultLeap Visa Debit Card↗ | Refunds and reversalsDisputed or charged-back purchasesDeclined or unsettled authorizationsATM withdrawals and cash advances↗ | None stated; paid on the 1st of the month after the purchase↗ | Tier Points: 10 points per $1 of card spend on a rolling 30-day window, 5,000 activation bonus; points have no cash value and expire on a rolling 30-day basis. Points set the transfer-fee tier↗ | Visa debit cardUSD, EUR and MXN account detailsUnlimited transfersEmail support↗ | 0.5%↗ | 0%↗ | 0%↗ | – | – | – | Free↗ | – | – | – | – | – | – | – | United States↗ | – | – | – | Open | – | – | Lead Bank↗ | Bridge Ventures LLC (a Stripe company)↗ | – | – | – | 2026-06↗ | debit↗ | virtualphysical↗ | Homepage and closing notice say only you hold the keys and funds left after Dec-01, 2026 stay in the wallet, reachable with your private key. The card help page says Lead Bank and regulated partners hold and settle funds, and the Terms say VaultLeap does not hold customer funds↗ | full↗ | Government ID and selfie↗ | – | 18↗ | USD↗ | USD↗ | USDC↗ | – | ACHWireSEPASPEI↗ | Platform fee on bank transfers by rewards tier: Standard 0.75%, Pro 0.45%, Zero 0% up to $40,000 a month then 0.55%; on-chain transfers free↗ | – | USDC moved from the account balance to the card wallet (Dashboard, Card, Add Funds)↗ | – | – | – | – | – | ↗ | – | United StatesLatin AmericaAfrica (Ghana)↗ | 17↗ | ↗ | – | – | USARCOMX↗ | – | – | USD (ACH, wire)EUR (SEPA)MXN (SPEI)↗ | – | ↗ | – | ↗ | USDEURMXN↗ | Referral programme gives 1,000 Tier Points to both sides↗ | ↗ | – | – | – | Not FDIC insured↗ | – | 5↗ | 3↗ | – | – | Open | Open | EnglishSpanish↗ | – | Email: support@vaultleap.comSupport tab in app (tickets)↗ | – | 3.6↗ | – | Some users had to redo identity verification through an emailed retry link↗ | – | – | $106,400↗ | $34,160↗ | 1,000 Tier Points to both sides for a qualified referral, plus 1 point per $1 of the referee's eligible card spend, capped at 100,000 points per rolling 30 days↗ | – | – | – | ||
| 36 | Classic | −$76 | 9 | F | 89% | Closed | | Hybrid | – | 0.5%↗ | Free↗ | – | €29↗ | €29↗ | – | – | 0↗ | – | 0.5%↗ | USDC↗ | – | Card purchases↗ | ATM withdrawals, fees, SEPA transfers, account-to-account transfers, declined or returned transactions, currency conversions↗ | 30 days before claimable; no expiry while account is active↗ | – | ↗ | 2.5% + EUR 1 per transaction↗ | 0.5%↗ | – | – | 2.5% international↗ | EUR 1 in EEA; EUR 2 international↗ | EUR 1/month after 4 months of card inactivity↗ | First 10 per month free, then EUR 0.25↗ | €5,000↗ | €10,000↗ | €25,000↗ | €250,000↗ | €1,000↗ | €5,000↗ | Switzerland↗ | – | – | – | Open | – | – |  Unlimit (Cyprus EMI)↗ | EMI licence, Cyprus (as stated by a review)↗ | – | 2023-04↗ | debit↗ | virtualphysicalmetal↗ | Holyheld terms say it does not hold users' crypto; the euro balance and card sit with the e-money partner↗ | full↗ | – | – | – | EUR↗ | EUR↗ | USDCUSDT↗ | EthereumArbitrumOptimismPolygon↗ | SEPA↗ | – | – | EUR balance after manual pre-load (sell crypto first)↗ | ↗ | ↗ | – | – | – | – | – | EEA↗ | 30↗ | ↗ | – | ↗ | ATBEBGHR↗ | AFALCUIR↗ | Personal EUR IBAN (SEPA)↗ | – | – | – | – | ↗ | – | Holyheld's current individual account is invite-only, CHF 0 per year, with USD/EUR/GBP rails and no card↗ | – | Multi-factor authentication↗ | – | – | – | PCI DSS Level 1↗ | – | – | – | – | – | – | – | https://app.holyheld.com↗ | In-app chat↗ | – | – | – | Funds locked by the euro-balance partner after AML review (one case of about EUR 10,000 escalated to the regulator, per a review aggregator)High FX fee on non-EEA spend↗ | Fast, competent support repliesLow crypto-to-EUR conversion cost↗ | – | – | – | – | – | – | – |