Ethena Pay Spend Card vs Ready Card
Crypto native
Crypto native
Verdict
- Ethena Pay Spend Card scores higher overall (8.4 vs 7.6 out of 10).
- Ready Card is clearly stronger on: FX & international, Product features, Custody & security.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Ethena Pay Spend Card is a good fit for
- People who want to keep control of their keys
- Users who need credit rather than a debit/prepaid card
- Everyday spenders who want cashback
Ready Card is a good fit for
- People who want to keep control of their keys
- Frequent travellers
Stronger on: FX & international, Product features, Custody & security
Score by criterion
| Criterion | Ethena Pay Spend Card | Ready Card |
|---|---|---|
| Fees | 100 | 100 |
| Cashback & rewards | 85 | – |
| Availability | 100 | – |
| FX & international | 60 | 100 |
| Product features | 75 | 100 |
| Custody & security | 70 | 80 |
| Credit & financing | 75 | – |
| Limits & ATM | 78 | 74 |
| Transparency | 79 | 79 |
| Best for Cashback | 8.6 | n/a |
| Best for Travel | 7.8 | 8.5 |
| Best for Self-Custody | 7.7 | 8.2 |
| Best for DeFi Users | 7.9 | 7.5 |
| Best for High Spenders | 8.1 | 7.1 |
| Best for Low Fees | 8.4 | 9.3 |
| Best for Beginners | 8.5 | 8.1 |
| Best Crypto Credit Card | 8.0 | n/a |
Product
Product status
Active*Show source
Product status: Active
Beta; live in 48 countries, more announced
Source states (paraphrased): Ethena Pay is live in 48 countries across Latin America, the Caribbean, Asia & the Middle East, Africa, and Oceania.
Source: Available Jurisdictions — Ethena Pay
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Beta; live in 48 countries, more announced
ActiveShow source
Product status: Active
Source: Ready Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Card type
Crypto-backed credit*Show source
Card type: Crypto-backed credit
Secured: collateral in your linked self-custodial wallet secures card charges
Source states (paraphrased): Your Ethena Pay Spend Card is a secured product.
Source: Pricing — Ethena Pay
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 80%
Secured: collateral in your linked self-custodial wallet secures card charges
Network
VisaShow source
Network: Visa
Source states (paraphrased): The card program is issued by the Issuer under license from Visa.
Source: Ethena Pay Spend Card Terms
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
MastercardShow source
Network: Mastercard
Source states (paraphrased): Accepted anywhere Mastercard is accepted.
Source: Ready Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Custody model
Self-custodyShow source
Custody model: Self-custody
Source states (paraphrased): Ethena Pay does not hold, manage, custody, or have access to your funds, digital assets, or wallet credentials.
Source: FAQ — Ethena Pay
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 65%
Self-custody*Show source
Custody model: Self-custody
Ready App is non-custodial; the Ready Card itself is issued by a third-party issuer under separate terms
Source states (paraphrased): As the Ready Products are non-custodial, you manage digital assets through the Ready App at your own risk.
Source: Ready App – Terms of Service
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 80%
Ready App is non-custodial; the Ready Card itself is issued by a third-party issuer under separate terms
Card issuer / program manager
Third National (issuer); program managed by Signify Holdings, Inc. d/b/a Rain; access via Ethena Pay Ltd. (Malta)Show source
Card issuer / program manager: Third National (issuer); program managed by Signify Holdings, Inc. d/b/a Rain; access via Ethena Pay Ltd. (Malta)
Source states (paraphrased): refers to Third National, including its affiliates, successors, and assigns.
Source: Ethena Pay Spend Card Terms
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%
Tiers / plans
Standard · Pro · VIPShow source
Tiers / plans: Standard · Pro · VIP
Source: Pricing — Ethena Pay
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Lite (free) · MetalShow source
Tiers / plans: Lite (free) · Metal
Source: Ready Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Fees
Annual fee
Free*Show source
Annual fee: Free
No recurring subscription or account fees for a standard account
Source: Pricing — Ethena Pay
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%
No recurring subscription or account fees for a standard account
Monthly fee
FreeShow source
Monthly fee: Free
Source states (paraphrased): Monthly maintenance / account fee: Free.
Source: Pricing — Ethena Pay
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%
Virtual card fee
FreeShow source
Virtual card fee: Free
Source states (paraphrased): Virtual card issuance: Free.
Source: Pricing — Ethena Pay
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%
Replacement fee
FreeShow source
Replacement fee: Free
Source states (paraphrased): Replacement card: Free.
Source: Pricing — Ethena Pay
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%
FX fee
1%*Show source
FX fee: 1%
Card-network conversion fee passed through at cost, typically around 1% and varying by currency; no Ethena Pay markup; USD spend has no conversion cost
Source states (paraphrased): Typically around 1.0%, passed through directly from the applicable card network with no markup.
Source: Pricing — Ethena Pay
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 80%
Card-network conversion fee passed through at cost, typically around 1% and varying by currency; no Ethena Pay markup; USD spend has no conversion cost
0%*Show source
FX fee: 0%
Card page; a Ready Learn page lists 1% for Metal
Source: Ready Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 45%
Card page; a Ready Learn page lists 1% for Metal
Top-up fee
Free*Show source
Top-up fee: Free
Metal tier
Source: Ready Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Metal tier
ATM fee
$1 + 0.65%*Show source
ATM fee: $1 + 0.65%
Only where ATM access is available; ATM operator surcharges extra
Source states (paraphrased): If ATM access is available: $1.00 plus 0.65% of the withdrawal amount.
Source: Pricing — Ethena Pay
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Only where ATM access is available; ATM operator surcharges extra
2%*Show source
ATM fee: 2%
Metal tier, above the monthly free limit
Source: Ready Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Metal tier, above the monthly free limit
Free ATM allowance
$800/month*Show source
Free ATM allowance: $800/month
Metal tier
Source states (paraphrased): 2% ATM fee above the monthly free limit of $800.
Source: Ready Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Metal tier
Other fees & markups
Late payment fee up to $40 · Returned payment fee $29 · ATM operator surcharges · Gas fees of liquidation transactions paid from collateralShow source
Other fees & markups: Late payment fee up to $40 · Returned payment fee $29 · ATM operator surcharges · Gas fees of liquidation transactions paid from collateral
Source states (paraphrased): | Late Payment | Up to $40
Source: Ethena Pay Spend Card Terms
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
Cashback & rewards
Base cashback
4%*Show source
Base cashback: 4%
Standard tier on the first $2,500 of monthly spend; 1% from $2,500 to $4,000; 0% above
Source states (paraphrased): Standard: $0 – $2,500: 4%; $2,500 – $4,000: 1%; Over $4,000: 0%.
Source: Pricing — Ethena Pay
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%
Standard tier on the first $2,500 of monthly spend; 1% from $2,500 to $4,000; 0% above
Max cashback
5%*Show source
Max cashback: 5%
VIP tier on the first $20,000 of monthly spend; Pro 4.5% on the first $8,000
Source states (paraphrased): Up to 5% of the U.S. dollar value of each Qualifying Card Transaction.
Source: Pricing — Ethena Pay
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%
VIP tier on the first $20,000 of monthly spend; Pro 4.5% on the first $8,000
Cashback paid in
AVAXShow source
Cashback paid in: AVAX
Source states (paraphrased): Credited in AVAX (native asset of the Avalanche network).
Source: Pricing — Ethena Pay
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%
Cashback type
CryptoShow source
Cashback type: Crypto
Source: Pricing — Ethena Pay
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Points*Show source
Cashback type: Points
Ready Rewards Points; may appear in-app as cashback; redeemable to offset eligible card purchases (USDC transfer)
Source states (paraphrased): they are loyalty benefits only, not money, e-money, or cryptoassets
Source: Ready Rewards Terms and Conditions
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
Ready Rewards Points; may appear in-app as cashback; redeemable to offset eligible card purchases (USDC transfer)
Cashback-eligible spend cap
$2,500/month*Show source
Cashback-eligible spend cap: $2,500/month
Standard: headline rate on the first $2,500 per calendar month; Pro $8,000, VIP $20,000; lower rates above
Source: Pricing — Ethena Pay
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 75%
Standard: headline rate on the first $2,500 per calendar month; Pro $8,000, VIP $20,000; lower rates above
Cashback conditions
Rate depends on tier and steps down with monthly spend (bands reset each calendar month) · Transactions under $1.00 earn no cashback · Paid daily after the transaction settlesShow source
Cashback conditions: Rate depends on tier and steps down with monthly spend (bands reset each calendar month) · Transactions under $1.00 earn no cashback · Paid daily after the transaction settles
Source: Pricing — Ethena Pay
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Points awarded only after the transaction has settled and a 7-day grace period has elapsed · Points rate depends on Ready plan, transaction type and promotions · Monthly or other caps on Points may apply (shown in app) · Redemption only for settled transactions on eligible MCCs no more than 30 days old; no partial redemptionsShow source
Cashback conditions: Points awarded only after the transaction has settled and a 7-day grace period has elapsed · Points rate depends on Ready plan, transaction type and promotions · Monthly or other caps on Points may apply (shown in app) · Redemption only for settled transactions on eligible MCCs no more than 30 days old; no partial redemptions
Source states (paraphrased): Points are awarded only after the underlying transaction has fully settled and a grace period (currently 7 days) has elapsed.
Source: Ready Rewards Terms and Conditions
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 80%
Reward expiry / vesting
Points do not currently expire; forfeited if the account is closed*Show source
Reward expiry / vesting: Points do not currently expire; forfeited if the account is closed
Ready may introduce expiry with at least 30 days' notice
Source states (paraphrased): Points do not currently expire.
Source: Ready Rewards Terms and Conditions
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
Ready may introduce expiry with at least 30 days' notice
Reward exclusions
Cash advances, ATM withdrawals, money orders, traveler's checks and cash equivalents · Purchases of crypto, stablecoins, NFTs, securities, foreign currency · Gambling, wagering, lottery, gaming · Gift card and stored-value purchases · Peer-to-peer transfers and remittances · Account funding, loan/credit repayments, balance transfers, insurance premiums · Fees, taxes, fines and payments to government agencies · Returned, refunded or charged-back transactions*Show source
Reward exclusions: Cash advances, ATM withdrawals, money orders, traveler's checks and cash equivalents · Purchases of crypto, stablecoins, NFTs, securities, foreign currency · Gambling, wagering, lottery, gaming · Gift card and stored-value purchases · Peer-to-peer transfers and remittances · Account funding, loan/credit repayments, balance transfers, insurance premiums · Fees, taxes, fines and payments to government agencies · Returned, refunded or charged-back transactions
Eligibility follows the MCC assigned by the card network
Source states (paraphrased): cash advances, ATM withdrawals, money orders, traveler's checks, or other cash equivalents;
Source: Ethena Pay Terms of Use
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 75%
Eligibility follows the MCC assigned by the card network
Certain merchants, merchant category codes (MCCs) or transaction types, as set out in the appShow source
Reward exclusions: Certain merchants, merchant category codes (MCCs) or transaction types, as set out in the app
Source states (paraphrased): Points may be excluded for certain merchants, merchant category codes (MCCs), or transaction types
Source: Ready Rewards Terms and Conditions
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 80%
Credit & financing
Credit line
Yes*Show source
Credit line: Yes
Secured by your own collateral
Source: Pricing — Ethena Pay
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 80%
Secured by your own collateral
Credit type
Crypto-backed creditShow source
Credit type: Crypto-backed credit
Source: Pricing — Ethena Pay
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 80%
Interest (APR)
0%*Show source
Interest (APR): 0%
Purchases; issuer and Ethena Pay may introduce interest on new purchases with prior notice
Source states (paraphrased): Your Spend Card is currently 0.00% interest on all purchases.
Source: Pricing — Ethena Pay
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%
Purchases; issuer and Ethena Pay may introduce interest on new purchases with prior notice
Interest notes
Currently 0% interest on all purchases; Issuer and Ethena Pay may introduce interest on new purchases in future with prior disclosureShow source
Interest notes: Currently 0% interest on all purchases; Issuer and Ethena Pay may introduce interest on new purchases in future with prior disclosure
Source states (paraphrased): Issuer and Ethena Pay reserve the right to implement interest in the future, for new purchases.
Source: Ethena Pay Spend Card Terms
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%
Grace period
Outstanding payment obligation must be paid within one calendar day, otherwise a Liquidation Event occurs; additional grace period at discretionShow source
Grace period: Outstanding payment obligation must be paid within one calendar day, otherwise a Liquidation Event occurs; additional grace period at discretion
Source states (paraphrased): has not been paid in full by you within one (1) calendar day
Source: Ethena Pay Spend Card Terms
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 80%
Repayment
Repay Ethena Pay for card charges per User Agreement by permitted means in the Ethena Pay Account; prepayment without penaltyShow source
Repayment: Repay Ethena Pay for card charges per User Agreement by permitted means in the Ethena Pay Account; prepayment without penalty
Source states (paraphrased): you may make a repayment for a balance on one or more of your Ethena Pay Cards by any means that are permitted by Ethena Pay
Source: Ethena Pay Spend Card Terms
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 75%
Liquidation risk
Yes*Show source
Liquidation risk: Yes
Collateral can be liquidated after a Liquidation Event (e.g. unpaid charges)
Source: Pricing — Ethena Pay
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Collateral can be liquidated after a Liquidation Event (e.g. unpaid charges)
Availability
Available in
Argentina, BZ, BO, Brazil, Colombia, CR, EC, SV, GT, GY, HN, Mexico, PA, PY, Peru, SR, UY, AG, BS, BB, KY, DM, DO, GD, KN, LC, VC, TT, TC, Hong Kong, Japan, Malaysia, PK, Philippines, Singapore, Thailand, United Arab Emirates, CI, EG, GH, Kenya, MA, SN, South Africa, UG, ZM, Australia, New Zealand*Show source
Available in: Argentina, BZ, BO, Brazil, Colombia, CR, EC, SV, GT, GY, HN, Mexico, PA, PY, Peru, SR, UY, AG, BS, BB, KY, DM, DO, GD, KN, LC, VC, TT, TC, Hong Kong, Japan, Malaysia, PK, Philippines, Singapore, Thailand, United Arab Emirates, CI, EG, GH, Kenya, MA, SN, South Africa, UG, ZM, Australia, New Zealand
Beta. Announced as coming soon: USA, EU, UK, Switzerland, Canada, Taiwan, South Korea
Source: Available Jurisdictions — Ethena Pay
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 80%
Beta. Announced as coming soon: USA, EU, UK, Switzerland, Canada, Taiwan, South Korea
Not available in
United States*Show source
Not available in: United States
Not available to U.S. citizens, U.S. residents or other U.S. persons; other restricted jurisdictions per Ethena Pay Terms of Use
Source states (paraphrased): The Ethena Pay Spend Card is offered only to non-U.S. persons
Source: Ethena Pay Spend Card Terms
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%
Not available to U.S. citizens, U.S. residents or other U.S. persons; other restricted jurisdictions per Ethena Pay Terms of Use
Own IBAN / bank details
Yes*Show source
Own IBAN / bank details: Yes
Virtual account (IBAN) not yet available in BB, JP, MY, PK, MA, SN, UG, AU, NZ
Source: Available Jurisdictions — Ethena Pay
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 70%
Virtual account (IBAN) not yet available in BB, JP, MY, PK, MA, SN, UG, AU, NZ
Features
Apple Pay
YesShow source
Apple Pay: Yes
Source states (paraphrased): Add to Apple Pay in seconds.
Source: Ethena Pay
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%
YesShow source
Apple Pay: Yes
Source states (paraphrased): used for transactions, including through Apple Pay or Google Pay
Source: Ready App – Terms of Service
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
Google Pay
No*Show source
Google Pay: No
Announced as available soon
Source states (paraphrased): Google Pay available soon.
Source: Ethena Pay
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%
Announced as available soon
YesShow source
Google Pay: Yes
Source states (paraphrased): used for transactions, including through Apple Pay or Google Pay
Source: Ready App – Terms of Service
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
Virtual card
YesShow source
Virtual card: Yes
Source states (paraphrased): Generate a virtual card in under a minute.
Source: Ethena Pay
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
ATM withdrawals
Yes*Show source
ATM withdrawals: Yes
Availability limited and depends on card, device and country
Source states (paraphrased): ATM cash withdrawals are supported where your card, device and country allow it
Source: Pricing — Ethena Pay
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 75%
Availability limited and depends on card, device and country
Blockchains
Ethereum · Polygon · Optimism · Arbitrum*Show source
Blockchains: Ethereum · Polygon · Optimism · Arbitrum
Supported blockchains for collateral; list may be updated by issuer
Source states (paraphrased): means the Ethereum Blockchain, Polygon Blockchain, Optimism Blockchain, Arbitrum Blockchain and other blockchain networks
Source: Ethena Pay Spend Card Terms
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
Supported blockchains for collateral; list may be updated by issuer
StarknetShow source
Blockchains: Starknet
Source: Network fees (gas): what do you need to pay?
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Security & custody
Deposit protection
NoShow source
Deposit protection: No
Source states (paraphrased): are not deposits or insured by any government deposit insurance or investor protection scheme
Source: Ethena Pay Terms of Use
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
No*Show source
Deposit protection: No
Applies to digital assets managed through the Ready App
Source states (paraphrased): are not covered or underwritten by any regulatory guarantees or compensation schemes
Source: Ready App – Terms of Service
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 80%
Applies to digital assets managed through the Ready App
Smart-contract risk
YesShow source
Smart-contract risk: Yes
Source states (paraphrased): does not control and is not responsible for the operation, security, or performance of the smart contracts used to hold your Collateral
Source: Ethena Pay Spend Card Terms
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 75%
Annual cost at 1,500 EUR/month
Ethena Pay Spend Card
- Annual & monthly fees+0 EUR
- FX costs−36 EUR
- Crypto conversion–
- ATM costs−19 EUR
- Cashback+720 EUR
- Net annual value665 EUR
Ready Card
- Annual & monthly feesunknown
- FX costs+0 EUR
- Crypto conversion–
- ATM costs+0 EUR
- Cashbackunknown
- Net annual valuenot enough data
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers