Girin Card vs Oppi Wallet Virtual Card
Crypto native
Crypto native
Verdict
- Girin Card scores higher overall (7.5 vs 7.1 out of 10).
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Girin Card is a good fit for
- People who want to keep control of their keys
Oppi Wallet Virtual Card is a good fit for
- People who want to keep control of their keys
★ 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 | Girin Card | Oppi Wallet Virtual Card |
|---|---|---|
| Fees | 100 | 97 |
| Cashback & rewards | – | – |
| Availability | 100 | 100 |
| FX & international | – | 20 |
| Product features | 70 | 70 |
| Custody & security | 80 | 80 |
| Credit & financing | – | – |
| Limits & ATM | – | – |
| Transparency | 100 | 100 |
| Best for Travel | n/a | 5.6 |
| Best for Self-Custody | 7.6 | 7.2 |
| Best for DeFi Users | 7.1 | 6.9 |
| Best for Low Fees | 8.0 | 7.1 |
| Best for Beginners | 8.6 | 8.5 |
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
Prepaid cardShow source
Network
VisaShow source
MastercardShow source
Custody model
Self-custodyShow source
Self-custodyConditions apply: tap or hover for detailsShow source
Self-custody wallet until crypto is loaded onto the card
Fees
Annual fee
FreeShow source
FreeShow source
Monthly fee
FreeShow source
Physical card fee
$100Show source
Virtual card fee
$10Conditions apply: tap or hover for detailsShow source
$5 credited back to the card
FX fee
2%Conditions apply: tap or hover for detailsShow source
2 to 2.5%
Availability
Available in
GlobalConditions apply: tap or hover for detailsShow source
150+ countries
GlobalConditions apply: tap or hover for detailsShow source
210+ countries, eligibility checked at signup
Not available in
CN, IR, IndonesiaShow source
Account / spend currencies
XRP · RLUSDShow source
BTC · ETH · USDT · USDCConditions apply: tap or hover for detailsShow source
Top-up assets
Features
Apple Pay
YesShow source
YesShow source
Google Pay
YesShow source
YesShow source
Physical card
YesShow source
YesShow source
Virtual card
YesShow source
YesShow source
ATM withdrawals
YesShow source
Spendable assets
BTC · ETH · USDT · USDCConditions apply: tap or hover for detailsShow source
and other supported crypto
Blockchains
Ethereum · BSC · Polygon · TRON · SolanaConditions apply: tap or hover for detailsShow source
From comparison table
Annual cost at 1,500 EUR/month
Girin Card
- Annual & monthly fees+0 EUR
- FX costsunknown
- Crypto conversion–
- ATM costsunknown
- Cashbackunknown
- Net annual valuenot enough data
Oppi Wallet Virtual Card
- Annual & monthly fees+0 EUR
- FX costs−72 EUR
- Crypto conversion–
- ATM costsunknown
- Cashbackunknown
- Net annual valuenot enough data
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers