Bringin Card vs Zoomex Card
Crypto native
Crypto native
Verdict
- Bringin Card scores higher overall (7.3 vs 5.2 out of 10).
- Bringin Card is clearly stronger on: FX & international, Custody & security.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Bringin Card is a good fit for
- Frequent travellers
Stronger on: FX & international, Custody & security
Zoomex Card is a good fit for
- Stablecoin holders
★ 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 | Bringin Card | Zoomex Card |
|---|---|---|
| Fees | 80 | 88 |
| Cashback & rewards | – | 21 |
| Availability | 100 | – |
| FX & international | 100 | 20 |
| Product features | 56 | 56 |
| Custody & security | 70 | 60 |
| Credit & financing | 30 | 30 |
| Limits & ATM | – | – |
| Transparency | 100 | 100 |
| Best for Cashback | n/a | 4.3 |
| Best for Travel | 8.0 | 4.5 |
| Best for DeFi Users | 6.3 | 5.1 |
| Best for Stablecoins | n/a | 5.5 |
| Best for High Spenders | 6.3 | 4.0 |
| Best for Low Fees | 8.4 | 6.7 |
| Best for Beginners | 7.7 | 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 cardShow source
Prepaid cardConditions apply: tap or hover for detailsShow source
Spends the UR account balance funded with USDC
Network
VisaShow source
Custody model
HybridConditions apply: tap or hover for detailsShow source
Bitcoin stays in the user's own wallet; euros are held in the card's vIBAN
CustodialConditions apply: tap or hover for detailsShow source
Fiat held by UR (SR Saphirstein AG)
Card issuer / program manager
Infrastructure by Lightspark Payments Europe AS (MiCA-authorized CASP)Show source
UR — SR Saphirstein AG, Swiss fintech licence (Art. 1b Banking Act), FINMA-supervisedShow source
Fees
Annual fee
€37.69/yearConditions apply: tap or hover for detailsShow source
Paid annually (10% discount); otherwise €3.49 a month
FreeShow source
Monthly fee
€3.49/monthConditions apply: tap or hover for detailsShow source
Monthly payment; €37.69 when paid annually
Physical card fee
FreeShow source
Virtual card fee
FreeShow source
FreeShow source
FX fee
0%Show source
2%Conditions apply: tap or hover for detailsShow source
1–2%
Crypto conversion fee
1%Conditions apply: tap or hover for detailsShow source
Bitcoin to euro
1%Conditions apply: tap or hover for detailsShow source
Crypto to fiat; fiat to crypto 0%
Settlement fee
FreeShow 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
Credit & financing
Credit line
NoShow source
NoShow source
Availability
Available in
EEAConditions apply: tap or hover for detailsShow source
Anyone 18+ with a valid ID from an EEA country
Account / spend currencies
EUR · BTCShow source
USD · EUR · CHF · JPY · SGD · HKDShow source
Own IBAN / bank details
YesConditions apply: tap or hover for detailsShow source
Personal euro vIBAN
Features
Apple Pay
NoConditions apply: tap or hover for detailsShow source
Only through the Curve app; direct support planned
YesShow source
Google Pay
YesShow source
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
ATM withdrawals
YesShow source
Spend stablecoins
YesConditions apply: tap or hover for detailsShow source
USDC is moved into the UR account and converted
Spendable assets
BTC (on-chain and Lightning) · EURShow source
Limits
ATM limit
€350Conditions apply: tap or hover for detailsShow source
Per day; €3,000 a month
Spending limit
€10,000Conditions apply: tap or hover for detailsShow source
Per day, standard KYC level; €15,000 a month
Annual cost at 1,500 EUR/month
Bringin Card
- Annual & monthly fees−80 EUR
- FX costs+0 EUR
- Crypto conversion–
- Per-transaction fees+0 EUR
- 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