BingCard vs Zoomex Card
Crypto native
Crypto native
Verdict
- BingCard scores higher overall (5.3 vs 5.2 out of 10).
- BingCard is clearly stronger on: FX & international, Product features.
- Zoomex Card is clearly stronger on: Fees.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
BingCard is a good fit for
- No specific audience can be derived from the published data yet.
Stronger on: FX & international, Product features
Zoomex Card is a good fit for
- Stablecoin holders
Stronger on: Fees
★ Our pickEditorial choice · score unchanged · Affiliate link
Neither card is our pick. The card we recommend instead:
Crypto native · ether.fi
Why we recommend it
- 3% cashback in ETHFI on up to $2,000 of spend a monthConditions apply
- 5.35% variable interest on your balanceConditions apply
- No annual or monthly fee on the base tierConditions apply
- Extras on the base tier: airport lounge access, travel / rental car insurance, purchase protectionConditions apply
- Self-custody: funds stay in your own walletConditions apply
Conditions apply; the review lists them with sources.
Score by criterion
| Criterion | BingCard | Zoomex Card |
|---|---|---|
| Fees | 66 | 88 |
| Cashback & rewards | – | 21 |
| Availability | 10 | – |
| FX & international | 60 | 20 |
| Product features | 70 | 56 |
| Custody & security | – | 60 |
| Credit & financing | – | 30 |
| Limits & ATM | – | – |
| Transparency | 100 | 100 |
| Best for Cashback | n/a | 4.3 |
| Best for Travel | 5.6 | 4.5 |
| Best for DeFi Users | n/a | 5.1 |
| Best for Stablecoins | n/a | 5.5 |
| Best for High Spenders | n/a | 4.0 |
| Best for Low Fees | 6.7 | 6.7 |
| Best for Beginners | 6.2 | 6.7 |
Conditions apply, e.g. only for the base tier, up to a monthly cap or in some countries. Tap a value with * (or hover over it) to see them.
Product
Product status
ActiveShow source
ActiveShow source
Card type
Debit cardConditions apply: tap or hover for detailsShow source
Page says 'similar to other debit cards'
Prepaid cardConditions apply: tap or hover for detailsShow source
Spends the UR account balance funded with USDC
Custody model
CustodialConditions apply: tap or hover for detailsShow source
Fiat held by UR (SR Saphirstein AG)
Launch date
2021-12-01Conditions apply: tap or hover for detailsShow source
month only stated
Card issuer / program manager
BingCard, legal entity incorporated in CanadaConditions apply: tap or hover for detailsShow source
operator of the service
UR — SR Saphirstein AG, Swiss fintech licence (Art. 1b Banking Act), FINMA-supervisedShow source
Tiers / plans
Premium · non-Premium · PlatinumConditions apply: tap or hover for detailsShow source
Platinum (physical) on waitlist
Fees
Annual fee
FreeShow source
Monthly fee
FreeConditions apply: tap or hover for detailsShow source
all tiers
Physical card fee
$168Conditions apply: tap or hover for detailsShow source
Platinum physical card, waitlist
Virtual card fee
$25Conditions apply: tap or hover for detailsShow source
Exclusive; Star 40-69 USD
FreeShow source
FX fee
1%Conditions apply: tap or hover for detailsShow source
cross-border handling fee 0%-1% depending on card BIN, for non-U.S. regions; plus transaction fee 0-1%
2%Conditions apply: tap or hover for detailsShow source
1–2%
Crypto conversion fee
2%Conditions apply: tap or hover for detailsShow source
labelled exchange fee; exact rate in web app
1%Conditions apply: tap or hover for detailsShow source
Crypto to fiat; fiat to crypto 0%
Top-up fee
1%Conditions apply: tap or hover for detailsShow source
Called deposit fee
Crypto withdrawal fee
2%Conditions apply: tap or hover for detailsShow source
exact rate in web app
Other fees & markups
Withdrawal fee 2% (exact rate to check in web application) · Transaction fee 0% to max 1% depending on card BIN · No fee for failed transactionsShow source
Cashback & rewards
Base cashback
1%Conditions apply: tap or hover for detailsShow source
Credited monthly to the Zoomex funding account; campaign rules still being prepared
Max cashback
1%Show source
Cashback conditions
Sign-up reward: spend $5, get $10Show source
Minimum balance
$10Conditions apply: tap or hover for detailsShow source
minimum initial balance
Credit & financing
Credit line
NoShow source
Availability
Available in
United States, Hong Kong, Singapore, United KingdomConditions apply: tap or hover for detailsShow source
Issuing countries; page says 'and other countries', check web application
Not available in
United StatesConditions apply: tap or hover for detailsShow source
US citizens, US permanent residents and US-incorporated entities
Account / spend currencies
USD · HKDConditions apply: tap or hover for detailsShow source
HKD for Platinum physical
USD · EUR · CHF · JPY · SGD · HKDShow source
Features
Apple Pay
YesShow source
Google Pay
YesShow source
Physical card
YesShow source
NoConditions apply: tap or hover for detailsShow source
Initial version is virtual only
Virtual card
YesShow source
YesShow source
Spend stablecoins
YesConditions apply: tap or hover for detailsShow source
USDC is moved into the UR account and converted
Spendable assets
BTC · ETH · BNB · LTC · TRX · DOGE · POL · GRAM · BCH · SHIB · SOL · NOT · USDC · DOGS · DAI · XRP · USDTConditions apply: tap or hover for detailsShow source
Top-up assets
Limits
Spending limit
HK$1,000,000Conditions apply: tap or hover for detailsShow source
Monthly transaction limit
Annual cost at 1,500 EUR/month
BingCard
- Annual & monthly fees+0 EUR
- FX costs−36 EUR
- Crypto conversion–
- ATM costsunknown
- Cashbackunknown
- Net annual valuenot enough data
Zoomex Card
- Annual & monthly fees+0 EUR
- FX costs−72 EUR
- Crypto conversion–
- ATM costsunknown
- Cashback+180 EUR
- Net annual valuenot enough data
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers