Ranking
Best e-money & FinTech cards
Fiat-first FinTech and e-money cards (and crypto-enabled platforms) ranked by fees, FX, ATM costs and features.
Currently ranked first: Wise Card with 8.0/10 (e-money weighting). 6 cards qualify. Rankings update automatically when verified data changes — last rendered 23 October 2026.
- Base cashback
- No data yet
- Base fee
- Free*
- FX fee
- 0.43%*
- Custody
- No data yet
- + No annual or monthly fee on the base tier
- + Low FX fee (0.43%)
- + Free ATM withdrawals up to €250/month
- Base cashback
- No data yet
- Base fee
- Free*
- FX fee
- No data yet
- Custody
- No data yet
- + No annual or monthly fee on the base tier
- − ATM fee €2
- Base cashback
- No data yet
- Base fee
- Free*
- FX fee
- 0.5%*
- Custody
- No data yet
- + No annual or monthly fee on the base tier
- + Low FX fee (0.5%)
- − Physical card costs €99
- Base cashback
- No data yet
- Base fee
- Free*
- FX fee
- No data yet
- Custody
- No data yet
- + No annual or monthly fee on the base tier
- + Free ATM withdrawals up to €200/month
- 56.2Provisional
- Base cashback
- No data yet
- Base fee
- $1,000/year*
- FX fee
- 0%*
- Custody
- No data yet
- + No FX markup from the issuer
- + Free ATM withdrawals up to $100/month
- − Annual cost $1,000 (Xapo Bank membership, card included)
- − Top rate of 1% only with conditions — Up to, on qualifying purchases
- 65.6Provisional
- Base cashback
- 0%*
- Base fee
- Free*
- FX fee
- 2.99%*
- Custody
- No data yet
- + No annual or monthly fee on the base tier
- − FX fee up to 2.99%
- − Top rate of 1% only with conditions — Paid plans: on non-European/non-UK currency spend (X) or selected retailers (Pro/Pro+, capped £25/£50 per month)
- − ATM fee 2% (min. £2)