ether.fi Cash vs N26

Product status: Active

Source states (paraphrased): Help center describes current personal and corporate Cash cards.

Source: What are the benefits of a personal Cash credit card?

Official help center / FAQ (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Product status: Active

Source: Compare N26 bank account features and services

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%

Card type: Crypto-backed credit

Marketed as a credit card; Direct Pay mode spends your own balance

Source states (paraphrased): Help center: Borrow Mode borrows against your assets, Direct Pay Mode spends them.

Source: Understanding your Cash card: Borrow Mode vs Direct Pay Mode

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 80%

Card type: Debit card

Source states (paraphrased): Free virtual debit card

Source: Compare N26 bank account features and services

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%

Network: Visa

Source states (paraphrased): The card program is issued by the Issuer under license from Visa.

Source: ether.fi Cash Cardholder Agreement – Ltd. (International)

Official terms & conditions (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%

Network: Mastercard

Source states (paraphrased): qualifying transactions made with your N26 Mastercard

Source: Compare N26 bank account features and services

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%

Custody model: Self-custody

Account is non-custodial; the card itself is issued by a third-party issuer under separate terms

Source states (paraphrased): Personal account page: fully non-custodial, you retain full ownership and control of your funds; card issued subject to separate issuer terms.

Source: Personal Account

Official product page (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 70%

Card issuer / program manager: Third National (issuer under Visa license); program by Ether.Fi Cash Ltd.

International cardholder agreement (Ltd.); US persons are covered by separate US agreements

Source states (paraphrased): The Ether.Fi Card is issued by Third National pursuant to a license from Visa.

Source: ether.fi Cash Cardholder Agreement – Ltd. (International)

Official terms & conditions (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%

Tiers / plans: Core · Luxe · Pinnacle · VIP

Source states (paraphrased): Membership level benefits table lists Core, Luxe, Pinnacle and VIP.

Source: Membership level benefits

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%

Tiers / plans: Standard (free) · Smart €4.90/mo · Go €9.90/mo · Metal €16.90/mo

Belgium/Spain pricing; EU page lists Smart at €9.90

Source: Bank for free with an N26 account (Belgium)

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 75%

Monthly fee: Free

Standard account

Source: Bank for free with an N26 account (Belgium)

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%

Physical card fee: $50

Core tier, after the tier's free-card allowance; $100 Luxe/Pinnacle, $0 VIP; may vary by region

Source states (paraphrased): Physical card fees: $50 Core, $100 Luxe and Pinnacle, $0 VIP, after free allowance.

Source: What are the benefits of a personal Cash credit card?

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 75%

Virtual card fee: $10

After the tier's free-card allowance; $0 for VIP

Source states (paraphrased): Virtual card fees: $10 Core, Luxe and Pinnacle; $0 VIP.

Source: What are the benefits of a personal Cash credit card?

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 75%

FX fee: 1.5%

Up to; Core tier: ~1% base rate + up to 0.5% membership margin (Luxe up to 0.25%, none for Pinnacle/VIP). EUR purchases 0% (beta)

Source states (paraphrased): Cardholder agreement: 1% base plus up to 50 bps for Core and up to 25 bps for Luxe.

Source: ether.fi Cash Cardholder Agreement – Ltd. (International)

Official terms & conditions (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 75%

ATM fee: 2%

Source states (paraphrased): Campaign page lists a 2% ATM fee for all tiers.

Source: The DeFi-Native Crypto Credit Card

Official product page (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 50%

Other fees & markups: 1.7% fee on ATM withdrawals outside the eurozone with Standard and Smart (free with Go and Metal)

Source states (paraphrased): ATM withdrawals outside the eurozone 1.7% fee

Source: Compare N26 bank account features and services

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 75%

Base cashback: 3%

Core membership, on the first $2,000 of card spend per month

Source states (paraphrased): Core: 3% on the first $2,000 of monthly card spend.

Source: Membership level benefits

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%

Max cashback: 4%

VIP membership, on the first $50,000 of card spend per month

Source states (paraphrased): VIP: 4% on the first $50,000 of monthly card spend.

Source: Membership level benefits

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 75%

Cashback paid in: ETHFI

Source states (paraphrased): Cashback is converted to ETHFI at the current price.

Source: How does cashback work?

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%

Cashback type: Platform token

Source: How does cashback work?

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%

Cashback-eligible spend cap: $2,000/month

Core; Luxe $10,000, Pinnacle/VIP $50,000 per month

Source states (paraphrased): Monthly spend caps per tier: $2,000 / $10,000 / $50,000 / $50,000.

Source: Membership level benefits

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 80%

Cashback conditions: Rates step down progressively with total monthly spend · EUR transactions use lower thresholds and rates · Spend tiers reset at the start of every month

Source states (paraphrased): Cashback rates are applied progressively based on your total spend each calendar month.

Source: How does cashback work?

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 75%

Reward expiry / vesting: Converted to ETHFI at settlement, locked for 7 days, then must be claimed

Source states (paraphrased): Cashback enters a 7-day lock period and must be claimed to reach your balance.

Source: How does cashback work?

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%

Reward exclusions: ATM withdrawals and cash advances · P2P payments and transfers · Currency exchange services · Tax and government payments · Gift cards, stored-value cards, money orders and cash equivalents · MCC 6011, 6012, 6211, 6513 (rent), 6532, 7995 (gambling)

Source states (paraphrased): The following transactions are not Qualifying Transactions and do not earn crypto cashback

Source: How does cashback work?

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%

Credit line: Yes

Borrow Mode

Source states (paraphrased): Borrow Mode purchases borrow against your assets instead of selling them.

Source: Understanding your Cash card: Borrow Mode vs Direct Pay Mode

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%

Credit type: Crypto-backed credit

Source states (paraphrased): Spending in Borrow Mode is capped at the available LTV of deposited collateral.

Source: How does Collateral and Borrowing work?

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%

Collateral assets: USDC · USDT · EURC · frxUSD · weETH · WETH · eBTC · ETHFI · sETHFI · OP · WHYPE · beHYPE · liquidETH · liquidBTC · liquidUSD · liquidReserve · liquidEUR · liquidRWA · QQQx · SPYx · PAXG · TBLLx

Aave LendGateway Product LTV list for the Optimism lending market (parameters updated August 27, 2026); eUSD no longer counts as collateral

Source states (paraphrased): Supported assets and their Product LTV

Source: How does Collateral and Borrowing work?

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 80%

Max loan-to-value: 81%

Aave LendGateway Product LTV for USDC, USDT, EURC, frxUSD; volatile assets lower (weETH/WETH 55%, ETHFI/OP 20%); legacy Cash DebtManager LTV was 90% for stablecoins

Source states (paraphrased): USDC | 81%

Source: How does Collateral and Borrowing work?

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 75%

Interest notes: Variable APY set by the underlying Aave v4 lending market per asset; accrues immediately and compounds continuously

Source states (paraphrased): variable APY, set by the underlying lending market for each asset (borrowing runs through Aave v4 markets) - not a fixed rate

Source: Understanding your Cash card: Borrow Mode vs Direct Pay Mode

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%

Grace period: None; interest accrues immediately after borrowing

Source states (paraphrased): There is no grace period

Source: Understanding your Cash card: Borrow Mode vs Direct Pay Mode

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%

Repayment: Repay all or part of the outstanding balance at any time, without penalty, by means permitted in the Ether.Fi Account

Source states (paraphrased): you may pay all or any part of your outstanding Account balance, without penalty

Source: ether.fi Cash Cardholder Agreement – Ltd. (International)

Official terms & conditions (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 70%

Liquidation risk: Yes

Source states (paraphrased): Help center lists per-asset liquidation thresholds.

Source: How does Collateral and Borrowing work?

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%

Spend own balance directly: Yes

Source states (paraphrased): Direct Pay Mode spends your balance.

Source: Understanding your Cash card: Borrow Mode vs Direct Pay Mode

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 80%

Spend by borrowing against collateral: Yes

Source states (paraphrased): Borrow Mode borrows against your collateral.

Source: Understanding your Cash card: Borrow Mode vs Direct Pay Mode

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 80%

Available in: AD, AO, AG, Argentina, Australia, Austria, BS, BH, BD, BB, BZ, BO, Brazil, VG, Bulgaria, Canada, KY, Chile, Colombia, CR, Croatia, Cyprus, Czechia, Denmark, DM, DO, EC, SV, France, Germany, GI, Greece, GG, GT, GY, HN, Hong Kong, Hungary, Iceland, Indonesia, IM, Italy, Japan, JE, Latvia, Liechtenstein, Lithuania, Luxembourg, Malaysia, MV, Malta, Mexico, MC, New Zealand, Nigeria, Norway, OM, PW, PA, PY, Peru, Philippines, Poland, Portugal, PR, Romania, Saudi Arabia, SC, Singapore, Slovakia, Slovenia, South Africa, South Korea, Spain, KN, LC, VC, SR, Sweden, Switzerland, TW, Thailand, TT, TC, United Arab Emirates, United Kingdom, UY, VU, Belgium, Ireland, United States

Subject to KYC; Belgium and Ireland eligible but no physical card delivery; US only in listed states (AL, AK, AR, CA, CO, CT, DC, FL, HI, IL, IN, IA, KS, KY, ME, MA, MI, MN, NE, NH, NJ, NY, NC, OK, PA, SC, TX, UT, VA, WV, WY); unlisted jurisdictions cannot apply for virtual or physical card

Source states (paraphrased): ether.fi Cash is available to eligible Personal and Corporate members in the supported jurisdictions listed below

Source: In which countries is the Cash card available?

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%

Available in: Austria, Belgium, Denmark, Estonia, Finland, France, Germany, Greece, Iceland, Ireland, Italy, Liechtenstein, Luxembourg, Netherlands, Norway, Poland, Portugal, Slovenia, Spain, Sweden, Switzerland

21 countries listed: Austria, Belgium, Denmark, Estonia, Finland, France (not DOM/TOM), Germany, Greece, Iceland, Ireland, Italy, Liechtenstein, Luxembourg, Netherlands, Norway, Poland, Portugal, Slovenia, Spain, Sweden, Switzerland; residency and requirements apply

Source states (paraphrased): We offer our accounts in the following countries: Austria, Belgium, Denmark, Estonia, Finland, France (not available for residents in the DOM/TOM)

Source: Availability across Countries

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%

Own IBAN / bank details: Yes

Source states (paraphrased): Give your N26 account IBAN to your employer

Source: Compare N26 bank account features and services

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 95%

Apple Pay: Yes

Only where Apple Pay is supported

Source states (paraphrased): Help article explains adding the card to Apple Wallet and Google Pay.

Source: How do I add my card to Apple Wallet or Google Pay?

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%

Apple Pay: Yes

Source states (paraphrased): Add it to Google Pay, Samsung Pay or Apple Pay

Source: Compare N26 bank account features and services

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 95%

Google Pay: Yes

Source states (paraphrased): Help article explains adding the card to Google Pay.

Source: How do I add my card to Apple Wallet or Google Pay?

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%

Google Pay: Yes

Source states (paraphrased): Add it to Google Pay, Samsung Pay or Apple Pay

Source: Compare N26 bank account features and services

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 95%

Physical card: Yes

Not shipped to every eligible region

Source states (paraphrased): Available as both a virtual and physical card.

Source: What is ether.fi Cash?

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%

Physical card: Yes

Source states (paraphrased): If you ordered a physical debit card, this will arrive via post.

Source: Compare N26 bank account features and services

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 95%

Virtual card: Yes

Source states (paraphrased): Available as both a virtual and physical card.

Source: What is ether.fi Cash?

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%

Virtual card: Yes

Source states (paraphrased): Free virtual debit card

Source: Compare N26 bank account features and services

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 95%

ATM withdrawals: Yes

Not permitted in North Korea, Iran and Myanmar

Source states (paraphrased): You can withdraw cash from ATMs using your ether.fi Cash card

Source: What are the transaction limits and fees for personal Cash credit cards?

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 95%

ATM withdrawals: Yes

Source states (paraphrased): 2 free ATM withdrawals in euros

Source: Compare N26 bank account features and services

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 95%

Spend stablecoins: Yes

Source states (paraphrased): This works whether your spending token is USDC or EURC

Source: EUR purchases 0% FX Rate

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%

Spendable assets: USDC · LiquidUSD

Direct Pay Mode spend assets; Borrow Mode can use all vault assets as collateral

Source states (paraphrased): from your USDC or LiquidUSD balance

Source: Understanding your Cash card: Borrow Mode vs Direct Pay Mode

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 75%

Blockchains: Ethereum · Polygon · Optimism · Arbitrum · Scroll

Definition of Supported Blockchains in the card terms (page spells Arbitrum as 'Arbitrium'); other networks may be added

Source states (paraphrased): "Supported Blockchains" means the Ethereum Blockchain, Polygon Blockchain, Optimism Blockchain, Arbitrium Blockchain, Scroll Blockchain

Source: ether.fi Cash Cardholder Agreement – Ltd. (International)

Official terms & conditions (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 60%

ATM limit: $25,000

Per rolling 24 hours, same for all tiers; max $5,000 per transaction and 5 withdrawals per 24 hours

Source states (paraphrased): | Core | $5,000 | 5 | $25,000

Source: What are the transaction limits and fees for personal Cash credit cards?

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%

Regulation / licences: Ether.Fi states it is not licensed to provide financial services as part of the Card Services

Nigeria: card marketed by BANEX Microfinance Bank, licensed by the Central Bank of Nigeria; terms governed by Puerto Rico law

Source states (paraphrased): You acknowledge that Ether.Fi is not licensed to provide any financial services

Source: ether.fi Cash Cardholder Agreement – Ltd. (International)

Official terms & conditions (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 80%

Regulation / licences: German full banking licence (BaFin)

Source states (paraphrased): N26 has been granted a full German banking license from BaFin.

Source: Bank for free with an N26 account (Belgium)

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 95%

Deposit protection: No

Account Balance Protection (Core up to $10K) is not yet live and is not deposit insurance

Source states (paraphrased): This is not deposit insurance

Source: Membership level benefits

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 70%

Deposit protection: Yes

Up to €100,000

Source states (paraphrased): protected up to €100,000 by the German Deposit Guarantee Scheme

Source: Bank for free with an N26 account (Belgium)

Official pricing / fee schedule (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 95%

Smart-contract risk: Yes

Source states (paraphrased): qualifying losses caused by unauthorized third-party exploits of ether.fi account smart contracts

Source: Membership level benefits

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 70%