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Ether.fi Cash Card vs Holyheld Card: 2026 Comparison

Comparing Ether.fi Cash Card and Holyheld Card on fees, cashback, custody, and where each card is available.

Some cards on this page link to affiliate partners, and we may earn a commission if you sign up. The comparison verdict comes from our public scoring formula either way. Read our editorial disclosure.

The short version:

Ether.fi Cash scores 4.9/5 on the Sweepbase formula and Holyheld scores 3.6/5, a gap of 1.3 points. The Strengths row in the table lists what each card is credited for. What moves the score for Ether.fi Cash: self-custody, no issuance or annual fee, up to 3% cashback.

Ether.fi Cash:
Holyheld:

Side by side

Side-by-side comparison of Ether.fi Cash Card, Holyheld Card. Scroll horizontally to see all columns.
Feature

Ether.fi Cash Card 4.9 out of 5, Sweepbase rating

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Holyheld Card 3.6 out of 5, Sweepbase rating

Get card Holyheld Card
Overview
Card typeVirtual + PhysicalDebit card; the current pages do not say whether it is virtual, physical or both, and publish no card tiers
NetworkVisa SignatureDebit, card network not named on Holyheld's current pages
Custody Strength: Self-custodyHybrid: the Terms say Holyheld provides no custodial services and you connect your own wallet, but the card spends from…
The fine print
  • … an electronic money account opened with Holyheld's partners under their own terms
Costs
Issuance fee Strength: First virtual card free (Core 1, Luxe 4, Pinnacle 10, VIP 50), except that Core members in Argentina, Angola…
The fine print
  • … Bangladesh, Bolivia, Colombia, Ecuador, Indonesia, Malaysia, Mexico, Nigeria, Peru, Philippines, South Africa and Thailand pay $10 for the first virtual card under regional pricing
  • Additional virtual $10 (VIP none)
  • Physical: none free on Core, 1 metal free on Luxe, 2 on Pinnacle and VIP
  • An additional physical card costs $50 on Core and $100 on Luxe and Pinnacle
  • Delivery "within 15+ business days", Pinnacle 1 to 3 business days
  • Cancellation only within 24 hours
  • Card fees are deducted from the account balance
Not published: the personal pricing page lists only the membership and transfer fees
Annual fee Strength: Free; Luxe and Pinnacle can be bought outright at $199/year and $999/year instead of earning them with pointsCHF 0 a year for the personal membership, by invitation; no card fee is published
FX fee0% on USD purchases
The fine print
  • Every other currency pays a 1% base foreign transaction fee plus a tier margin of up to 0.5% on Core and up to 0.25% on Luxe, per the international cardholder agreement last modified 8 Sep 2026, so a Core holder pays about 1-1.5% over the Visa rate
  • The help centre (3 Nov 2026) prints only the tier margin (Core 0.5%, Luxe 0.25%, none on Pinnacle and VIP) and leaves out the 1%
  • EUR at 0% rests on a help article of 24 Jun 2026 that calls the feature beta
  • The agreement has no EUR exception
  • FX still applies if the merchant charges a third currency or the terminal runs dynamic currency conversion
Not published: the Terms list no card FX fee and say fees are notified in the account, and the pricing page lists only…
The fine print
  • … membership and transfer fees, including 1% to on-ramp or off-ramp
Rewards
Cashback Strength: Up to 3% (Tiers) Strength: Not published
Yield on spendable balance Strength: YesNo
Access
Apple / Google Pay Strength: Yes (Apple Pay; Google Pay) Strength: Not published: Holyheld's current personal page, pricing page and Terms do not mention Apple Pay or Google Pay
Bank account in your name Strength: SEPA: Yes, EUR in and out via ether.fi's banking provider: receive as EURC €0.90, receive as USDC €0.90 plus 0.15%…
The fine print
  • … outgoing SEPA €0.90 plus any FX conversion, SEPA Instant deposits where the sending bank supports it
  • No universal ether.fi minimum and no tier-based transfer limits, provider limits shown before confirmation
  • IBAN: the SEPA article shows deposit details for an account "created for you with our third party provider" but does not call it a personal IBAN
  • SWIFT: Yes for non-US residents, "generate your personal virtual bank account" with an account number and SWIFT code, $20 plus 0.1% per transfer
  • US ACH $0.50 plus 0.1% and FedWire $20 plus 0.1% via virtual USD account details
  • UK Faster Payments: unique sort code and account number, deposits only, £0.90 plus 0.20%
  • Every inbound fiat transfer lands as a stablecoin
 Strength: IBAN yes, a personal IBAN through Holyheld's partners
The fine print
  • SEPA yes, free incoming and €1 outgoing
  • SWIFT not named, international wires cost $20 for individuals
  • The membership also lists ACH ($1 outgoing same-day, free incoming) and free Faster Payments
Daily spend limitSelf-set in-app
The fine print
  • Defaults: daily card limit $5,000, daily vault limit $10,000, monthly vault limit $10,000, all adjustable by the cardholder
  • Weekly caps by merchant category: $500 (crypto, gambling, cash-like), $1,000 (securities, dating), $3,000 (wallets, pharmacies, government)
Not published on Holyheld's current pages
ATM withdrawal limitUp to $5,000 per withdrawal, 5 withdrawal attempts and $25,000 per rolling 24 hours, the same on every tier and both…
The fine print
  • … card types
  • Declined attempts count toward the 5
  • Ether.fi fee: free up to 10 withdrawals a month on Core and Luxe, free and unlimited on Pinnacle and VIP
  • The fee from the 11th withdrawal on Core and Luxe is not published, and ATM operator fees are separate
  • The virtual card works at contactless ATMs through Apple Pay or Google Pay, the physical card at any Visa ATM, both with a PIN
  • Was $1,000 per withdrawal and 5 per 24 hours on 24 September 2026, and $500 and 3 withdrawals until August 2026
Not published on Holyheld's current pages
Top-up methodsUSDC, USDT, EURC, frxUSD, eUSD, wETH, weETH, eBTC, ETHFI, sETHFI, wHYPE, SCR, LiquidETH, LiquidBTC, LiquidUSD…
The fine print
  • … LiquidReserve via Ethereum, Base, Arbitrum, Scroll, Solana, Tron (Direct Pay: USDC, LiquidUSD only; Solana USDC and Tron USDT: no-fee 1:1 transfer)
Connect your own wallet and exchange crypto-assets into the fiat account (off-ramp, 1%)
The fine print
  • Incoming SEPA, ACH and Faster Payments transfers to your account are free
Regions91 countries and territories: 88 with virtual and physical cards, Belgium and Ireland with virtual cards only, and the…
The fine print
  • … United States
  • Most of Europe including Hungary, Norway, Liechtenstein and Monaco, except the Netherlands, Finland and Estonia
  • The UK, Guernsey, Jersey and the Isle of Man
  • The Americas and much of the Caribbean
  • UAE, Saudi Arabia, Bahrain, Oman, Hong Kong, Japan, South Korea, Taiwan, Singapore and selected Asia-Pacific
  • South Africa, Angola and Nigeria
  • United States: thirty states plus the District of Columbia
  • Not available in Arizona, Delaware, Georgia, Idaho, Louisiana, Maryland, Mississippi, Missouri, Montana, Nevada, New Mexico, North Dakota, Ohio, Oregon, Rhode Island, South Dakota, Tennessee, Vermont, Washington or Wisconsin
  • Not available in India, Israel, Turkey, Ukraine, Vietnam, China, Russia or any other jurisdiction the list omits
Not published by country. Personal membership is by invitation, and the current Terms govern users who are residents of, or located in, Switzerland
Behind the card
Card issuerThird National (Nimbus LLC), USA; Puerto Rico money transmitter (NMLS #2612780), a subsidiary of Signify Holdings, Inc. ("Rain") per Rain's privacy policyNamed in the card termsUnlimit EU Ltd, Cyprus (Central Bank of Cyprus EMI, company number HE 328641)Inferred, not stated by the issuer
Our read
Strengths
  • You hold the keys
  • No issuance or annual fee
  • Cashback: Up to 3% (Tiers)
  • Spendable balance earns
  • Apple Pay and Google Pay
  • Bank account in your name
  • Premium Visa Signature tier
  • Virtual and physical
  • Cashback: Not published
  • Apple Pay and Google Pay
  • Bank account in your name
  • Virtual and physical
Trade-offsNothing flagged by these checks
  • Issuer holds your funds

Which scores higher

Nothing in the formula favours Holyheld over Ether.fi Cash. What the formula cannot see is where you live and what you spend on: if Holyheld is sold in your country and Ether.fi Cash is not, that settles it, and the Regions row above is where to check.

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Ether.fi Cash vs Holyheld: FAQ

Ether.fi Cash Card scores higher on the Sweepbase formula, at 4.9/5. What moves the score: self-custody, no issuance or annual fee, up to 3% cashback. The formula does not know where you live or how you spend, so check availability and fees for your own case.

Ether.fi Cash Card: issuance First virtual card free…, annual Free, FX 0% on USD purchases. Holyheld Card: issuance Not published: the personal pricing page lists only the…, annual CHF 0 a year for the personal membership, by invitation, Not published: the Terms list no card FX fee and say fees… You can compare total annual cost using our fee calculator.

Ether.fi Cash Card: Up to 3% cashback. Holyheld Card: Not published cashback. Rates can depend on tier, staking or caps, so check each card's page for the conditions.

Ether.fi Cash Card: Self-custody. Holyheld Card: Hybrid custody. Ether.fi Cash Card keeps your crypto in your own wallet until you spend it, so the issuer never controls your funds.

Ether.fi Cash Card supports Apple Pay and Google Pay. Holyheld Card supports Apple Pay and Google Pay.

Ether.fi Cash Card: 91 countries. Holyheld Card: no published availability list. Check each card's detail page for the full country list.

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