Lumo Card vs PayitFast Visa Card
Crypto native
Crypto native
Verdict
- Lumo Card and PayitFast Visa Card have the same overall score (6.2/10).
- PayitFast Visa Card is clearly stronger on: FX & international.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Lumo Card is a good fit for
- People who want to keep control of their keys
PayitFast Visa Card is a good fit for
- No specific audience can be derived from the published data yet.
Stronger on: FX & international
★ 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 | Lumo Card | PayitFast Visa Card |
|---|---|---|
| Fees | 84 | 90 |
| Cashback & rewards | – | 40 |
| Availability | – | – |
| FX & international | 30 | 60 |
| Product features | 70 | 70 |
| Custody & security | 80 | – |
| Credit & financing | – | – |
| Limits & ATM | – | 56 |
| Transparency | 100 | 100 |
| Best for Cashback | n/a | 5.5 |
| Best for Travel | 5.3 | 6.4 |
| Best for Self-Custody | 7.1 | n/a |
| Best for DeFi Users | 6.8 | 5.9 |
| Best for High Spenders | n/a | 5.8 |
| Best for Low Fees | 6.8 | 7.9 |
| Best for Beginners | 7.5 | 7.2 |
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
ActiveConditions apply: tap or hover for detailsShow source
Physical card on a waitlist
Card type
Debit cardShow source
Network
VisaShow source
Custody model
Self-custodyShow source
Launch date
2026-07-01Conditions apply: tap or hover for detailsShow source
Wallet launch date, not necessarily card
Card issuer / program manager
Wirex (Basic); Interlace (Pro)Show source
Tiers / plans
Lumo Basic · Lumo ProShow source
Standard · EliteShow source
Fees
Monthly fee
FreeShow source
Physical card fee
$50Conditions apply: tap or hover for detailsShow source
Physical card via waitlist
Virtual card fee
$5Conditions apply: tap or hover for detailsShow source
$ read as USD; card available in USD
Replacement fee
$3Conditions apply: tap or hover for detailsShow source
Virtual; physical PVC replacement $30
FX fee
1.75%Conditions apply: tap or hover for detailsShow source
Basic card: 1% plus 0.75% Lumo margin
1%Show source
Crypto conversion fee
0.4%Conditions apply: tap or hover for detailsShow source
Wallet swap fee; card spend conversion fee not separately stated
0.75%Show source
Crypto withdrawal fee
FreeConditions apply: tap or hover for detailsShow source
Network fees apply
ATM fee
$2 + 1.3%Conditions apply: tap or hover for detailsShow source
Non-USD ATM adds 1% FX
Transfer fee
FreeConditions apply: tap or hover for detailsShow source
Internal P2P transfers
Other fees & markups
Lumo Pro card one-time issuance fee $3.99 · Top-ups and other card fees shown in the appShow source
Decline fee $2 per decline (insufficient balance) · Lost-claim chargeback $35 · Card/wallet on-ramp from 2.99%Show source
Cashback & rewards
Max cashback
10%Show source
Cashback paid in
USDTShow source
Cashback type
StablecoinShow source
Cashback conditions
Rate depends on which eligible asset you spend · Qualifying transactions onlyShow source
Reward expiry / vesting
Cashback and rewards are non-withdrawable; usable only for eligible card transactionsShow source
Availability
Account / spend currencies
USDShow source
Features
Apple Pay
YesConditions apply: tap or hover for detailsShow source
Where supported
YesShow source
Google Pay
YesConditions apply: tap or hover for detailsShow source
Where supported
YesShow source
Physical card
YesConditions apply: tap or hover for detailsShow source
waitlist
Virtual card
YesShow source
ATM withdrawals
YesShow source
Spendable assets
BTC · USDT · ETH · SOLShow source
Limits
ATM limit
$2,000Conditions apply: tap or hover for detailsShow source
Per withdrawal, PVC card; higher for metal/jewellery cards
Spending limit
$100,000Conditions apply: tap or hover for detailsShow source
Daily, Standard; Elite $5,000,000
Security & custody
Regulation / licences
FINTRAC MSB registration M23026009 (Silverleaf E-Money Services Ltd.) · Bank of Canada PSP under RPAAShow source
Annual cost at 1,500 EUR/month
Lumo Card
- Annual & monthly feesunknown
- FX costs−63 EUR
- Crypto conversion–
- ATM costsunknown
- Cashbackunknown
- Net annual valuenot enough data
PayitFast Visa Card
- Annual & monthly fees+0 EUR
- FX costs−36 EUR
- Crypto conversion–
- ATM costs−37 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