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Comparing Ether.fi Cash Card and Holyheld Card on fees, cashback, custody, and where each card is available. All data is current for 2026.
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 rates 4.9/5, slightly ahead of Holyheld at 4.6/5. Both are solid options, but Ether.fi Cash is the better pick for most people.
| Feature | ||
|---|---|---|
| Overview | ||
| Card type | Virtual + Physical | Virtual + Physical |
| Network | Visa Signature | Mastercard Debit |
| Custody | Self-custody | Self-custody |
| Costs | ||
| Issuance fee | Free | Classic €29; Limited €99; Metal €199 |
| Annual fee | Free | Free (€1/mo inactivity fee after 4 months no card use) |
| FX fee | 0% FX markup on USD and EUR purchases0% FX markup on USD and EUR purchases; other currencies pay roughly 1% base FX plus a membership-tier margin of up to 0.5% (Core 0-0.5%, Luxe 0-0.25%, none on Pinnacle and VIP — help.ether.fi articles 304414 and 303623, so a Core holder pays about 1-1.5%, not a flat 1%). EUR 0% is documented from 24 Jun 2026 ("ether.fi now applies zero FX markup") and ether.fi still labels the feature beta; the card account is USD-based with native EUR support promised soon, though EURC can be held as the spending token. FX still applies if the merchant charges a third currency or the terminal runs dynamic currency conversion (checked 2026-07-29) | 0% in EUR inside the EEA0% in EUR inside the EEA; 2.5% + €1 outside it; on top of that the issuer applies a separate 3% mark-up over the Mastercard rate to any transaction not in EUR, published only in the Unlimit fee schedule while Holyheld's own pages say 0% FX — a foreign-currency purchase abroad pays both |
| Rewards | ||
| Cashback | Up to 3% (Tiers) | Up to 1% |
| Yield on spendable balance | Yes | NoThe issuer pays yield, but in a separate product |
| Access | ||
| Apple / Google Pay | Yes (Apple Pay; Google Pay) | Yes (Apple Pay; Google Pay) |
| Bank account in your name | SEPA: YesSEPA: Yes — live EUR deposit/withdrawal via SEPA to the user's own named EU bank account (ether.fi Help Center, confirmed: 'The bank account must be in your name'; can settle in under 15 minutes); not available in Estonia, Finland, Hungary, Netherlands (per ether.fi's own restricted-jurisdictions list); IBAN: Not a dedicated ether.fi-issued IBAN — routes to/from the user's existing personal bank IBAN; a separate virtual US account + IBAN feature is on ether.fi's roadmap for Club members (not yet live); SWIFT: Not disclosed | IBAN yes (Cyprus-based personal IBAN), SEPA yes, SWIFT not disclosed |
| Daily spend limit | Self-set: the cardholder chooses the spending ceiling in-appSelf-set: the cardholder chooses the spending ceiling in-app. Tier headroom is Core $30K/day, Luxe $50K/day, Pinnacle $100K/day, well above what most holders set (not to be confused with the fiat-crypto transfer caps of $10K/$50K/$200K per month) | €10000/day |
| ATM withdrawal limit | $250/day, 2% fee, 3 attempts per 24h | €1000/day; €5000/month; €60000/year |
| Top-up methods | USDC, USDT, EURC, frxUSD, eUSD, wETH, weETH, eBTC, ETHFI, sETHFI, wHYPE, SCR, LiquidETH…USDC, USDT, EURC, frxUSD, eUSD, wETH, weETH, eBTC, ETHFI, sETHFI, wHYPE, SCR, LiquidETH, LiquidBTC, LiquidUSD, LiquidReserve via Ethereum, Base, Arbitrum, Scroll, Solana, Tron (Direct Pay: USDC, LiquidUSD only; Solana USDC and Tron USDT: no-fee 1:1 transfer) | 1,200+ tokens across 20+ networks; connect your own wallet, convert to EUR and move it to the account balance; gasless approvals on external-wallet top-up; SEPA in via personal IBAN |
| Regions | 65 countries we list individually: most of Europe excluding Netherlands, Finland and Estonia; UK; Americas excluding 20 US states; UAE, Saudi Arabia, Hong Kong, select Asia-Pacific | 30 EEA countries only |
| Behind the card | ||
| Card issuer | Third 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 terms | Unlimit EU Ltd — Cyprus (Central Bank of Cyprus EMI, company number HE 328641)Named in the card terms |
| Our read | ||
| Strengths |
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| Trade-offs | Nothing flagged by these checks | Nothing flagged by these checks |
| Get Ether.fi Cash Card | Get Holyheld Card | |
Ether.fi Cash Card is the better card here. Ether.fi Cash also lets you earn yield on your deposits, something Holyheld doesn't offer. Zero fixed costs give Ether.fi Cash a cost advantage from day one. It works with Apple Pay and Google Pay, which is useful if you pay by phone. However, Holyheld may be better if you prefer self-custody need something it does better.
In short: Ether.fi Cash Card (4.9/5) is the stronger option for most people compared to Holyheld Card (4.6/5).
