Lumo Card vs Zebec Card
Crypto native
Crypto native
Verdict
- Lumo Card and Zebec Card have the same overall score (6.2/10).
- Zebec Card is clearly stronger on: Fees.
- 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
Zebec Card is a good fit for
- People who want to keep control of their keys
Stronger on: Fees
★ 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 | Zebec Card |
|---|---|---|
| Fees | 84 | 100 |
| Cashback & rewards | – | – |
| Availability | – | 10 |
| FX & international | 30 | – |
| Product features | 70 | 70 |
| Custody & security | 80 | 80 |
| Credit & financing | – | – |
| Limits & ATM | – | – |
| Transparency | 100 | 100 |
| Best for Travel | 5.3 | n/a |
| Best for Self-Custody | 7.1 | 7.6 |
| Best for DeFi Users | 6.8 | 7.1 |
| Best for Low Fees | 6.8 | 8.0 |
| 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
ActiveShow source
Card type
Debit cardShow source
Prepaid cardShow source
Network
MastercardShow source
Custody model
Self-custodyShow source
Self-custodyConditions apply: tap or hover for detailsShow source
Silver Card described as non-custodial
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
Silver · Carbon · BlackConditions apply: tap or hover for detailsShow source
Black temporarily offline for upgrades, expected to resume late 2026
Fees
FX fee
1.75%Conditions apply: tap or hover for detailsShow source
Basic card: 1% plus 0.75% Lumo margin
Crypto conversion fee
0.4%Conditions apply: tap or hover for detailsShow source
Wallet swap fee; card spend conversion fee not separately stated
0%Conditions apply: tap or hover for detailsShow source
Reloadable card: no transaction fees
Other fees & markups
Lumo Pro card one-time issuance fee $3.99 · Top-ups and other card fees shown in the appShow source
Variable FX fees may apply when spending outside the card currency · Crypto-to-fiat conversion rates vary by token/currencyConditions apply: tap or hover for detailsShow source
Black Card
Cashback & rewards
Staking asset
ZBCNConditions apply: tap or hover for detailsShow source
extra rewards, Black Card
Availability
Available in
United States, Canada, PR, VI, GU, AS, MP, United Kingdom, GI, GG, IM, JEConditions apply: tap or hover for detailsShow source
Silver USD/GBP; Silver EUR in supported EU countries (not listed)
Account / spend currencies
USD · EUR · GBPConditions apply: tap or hover for detailsShow source
Silver and Black: USD, EUR or GBP; Carbon: USD only
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
Virtual card
YesShow source
Blockchains
BNB Smart Chain · Solana · Ethereum · Ripple · Tron · Sui · Stellar · BaseConditions apply: tap or hover for detailsShow source
Platform-wide: 150+ tokens across 18 blockchains; list not exhaustive
Limits
Spending limit
$50,000Conditions apply: tap or hover for detailsShow source
Black Card, daily; page uses $ sign
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
Zebec Card
- Annual & monthly feesunknown
- FX costsunknown
- 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