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Comparing Holyheld Card and Binance 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:
Holyheld rates 4.6/5, slightly ahead of Binance at 4/5. Both are solid options, but Holyheld is the better pick for most people.
| Feature | ||
|---|---|---|
| Overview | ||
| Card type | Virtual + Physical | Virtual + Physical |
| Network | Mastercard Debit | Mastercard Prepaid |
| Custody | Self-custody | Custodial |
| Costs | ||
| Issuance fee | Classic €29; Limited €99; Metal €199 | Free |
| Annual fee | Free (€1/mo inactivity fee after 4 months no card use) | Free |
| FX fee | 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 | 0.9% crypto-to-fiat conversion + 1-2% FX on foreign currency |
| Rewards | ||
| Cashback | Up to 1% | Up to 3% (Brazil) |
| Yield on spendable balance | NoThe issuer pays yield, but in a separate product | NoThe issuer pays yield, but in a separate product |
| Access | ||
| Apple / Google Pay | Yes (Apple Pay; Google Pay) | No |
| Bank account in your name | IBAN yes (Cyprus-based personal IBAN), SEPA yes, SWIFT not disclosed | No |
| Daily spend limit | €10000/day | Varies by tier based on BNB holdings, up to €8700/day for highest tier |
| ATM withdrawal limit | €1000/day; €5000/month; €60000/year | €290/day; 0.9% fee |
| Top-up methods | 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 | BTC, BNB, USDT and 10+ major cryptos |
| Regions | 30 EEA countries only | Binance names Brazil, Argentina, Peru and Armenia in its own words on…Binance names Brazil, Argentina, Peru and Armenia in its own words on binance.com/en/cards, whose region selector carries eight options: Brasil, LATAM, CIS, MEA, Australia, New Zealand, APAC and Argentina. The MEA, APAC, AU and NZ tabs name no country at all, and the CIS tab says only some CIS countries and Armenia, so no consolidated list of supported countries exists anywhere. A separate Binance Card Global Program runs through Immersve Limited, a New Zealand entity licensed as a card issuer by Mastercard. Excludes EEA, UK and United States - read from absence, since no European or American tab exists and binance.com/en-GB/cards 404s, not from any Binance statement |
| Behind the card | ||
| Card issuer | Unlimit EU Ltd — Cyprus (Central Bank of Cyprus EMI, company number HE 328641)Named in the card terms | Pomelo S.A. — Argentina (BaaS, multi-LatAm)Inferred, not stated by the issuer |
| Our read | ||
| Strengths |
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| Trade-offs | Nothing flagged by these checks |
|
| Get Holyheld Card | Get Binance Card | |
Holyheld Card is the better card here. With self-custody, your crypto stays in your wallet until you actually spend it, unlike Binance where the issuer holds your funds. It works with Apple Pay and Google Pay, which is useful if you pay by phone. However, Binance may be better if you need broader regional coverage.
In short: Holyheld Card (4.6/5) is the stronger option for most people compared to Binance Card (4/5).
