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Comparing Tuyo Card and Binance Card on fees, cashback, custody, and where each card is available. All data is current for 2026.
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The short version:
Tuyo rates 4.5/5, slightly ahead of Binance at 4/5. Both are solid options, but Tuyo is the better pick for most people.
| Feature | ||
|---|---|---|
| Overview | ||
| Card type | Virtual | Virtual + Physical |
| Network | Visa Debit | Mastercard Prepaid |
| Custody | Self-custody | Custodial |
| Costs | ||
| Issuance fee | Free | Free |
| Annual fee | Free | Free |
| FX fee | 0% fee on USD transactions; up to 1% FX spread fee in other currencies (tuyo.com/card fee table, read 2026-08-27) | 0.9% crypto-to-fiat conversion + 1-2% FX on foreign currency |
| Rewards | ||
| Cashback | Crypto rewards | Up to 3% (Brazil) |
| Yield on spendable balance | Yes | 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 (Luxembourg via Bridge); USD/EUR/MXN virtual accounts; SEPA implied | No |
| Daily spend limit | $10,000/day, "increases with usage" (tuyo.com/card fee table, read 2026-08-27; the earlier $50,000+/day-by-verification claim is no longer published) | Varies by tier based on BNB holdings, up to €8700/day for highest tier |
| ATM withdrawal limit | Not available (virtual only; no PIN/ATM access) | €290/day; 0.9% fee |
| Top-up methods | USDC on Base network; automatic fiat-to-USDC conversion (USD/EUR/MXN) at no fee | BTC, BNB, USDT and 10+ major cryptos |
| Regions | US, Spain, select EU and Latin America countries | 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 | Third National (Nimbus LLC) — USA — Puerto Rico money transmitter (NMLS #2612780); a subsidiary of Signify Holdings, Inc. ("Rain") per Rain's privacy policyInferred, not stated by the issuer | 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 Tuyo Card | Get Binance Card | |
Tuyo 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. Tuyo also lets you earn yield on your deposits, something Binance doesn't offer. 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: Tuyo Card (4.5/5) is the stronger option for most people compared to Binance Card (4/5).
