MaxSwap Virtual Card vs Zebec Card
Crypto native
Crypto native
Verdict
- MaxSwap Virtual Card scores higher overall (4.8 vs 4.5 out of 10).
- Zebec Card is clearly stronger on: Fees, Custody & security.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
MaxSwap Virtual Card is a good fit for
- No specific audience can be derived from the published data yet.
Zebec Card is a good fit for
- People who want to keep control of their keys
Stronger on: Fees, Custody & security
★ 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 | MaxSwap Virtual Card | Zebec Card |
|---|---|---|
| Fees | 0 | 20 |
| Cashback & rewards | – | – |
| Availability | – | 7 |
| FX & international | 76 | – |
| Product features | 70 | 70 |
| Custody & security | 60 | 80 |
| Credit & financing | – | – |
| Limits & ATM | – | – |
| Transparency | 100 | 100 |
| Best for Travel | 5.6 | n/a |
| Best for Self-Custody | n/a | 6.4 |
| Best for DeFi Users | 5.1 | 5.9 |
| Best for Low Fees | 4.2 | 4.4 |
| Best for Beginners | 5.6 | 5.6 |
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
Prepaid cardShow source
Network
Visa / MastercardShow source
MastercardShow source
Custody model
CustodialShow source
Self-custodyConditions apply: tap or hover for detailsShow source
Silver Card described as non-custodial
Tiers / plans
Visa (Apple Pay & Google Pay) USA · AI Card + Google Pay ES · Premium Card with ATM USAShow source
Silver · Carbon · BlackConditions apply: tap or hover for detailsShow source
Black temporarily offline for upgrades, expected to resume late 2026
Fees
FX fee
0.6%Conditions apply: tap or hover for detailsShow source
Conversion fee charged if settlement was not in USD
Crypto conversion fee
0%Conditions apply: tap or hover for detailsShow source
Reloadable card: no transaction fees
Top-up fee
4.5%Conditions apply: tap or hover for detailsShow source
Replenishment; minimum replenishment 10 USDT
2%Conditions apply: tap or hover for detailsShow source
Described as 'approximately 2%'; also 30 cents per transaction
Other fees & markups
Card issuing costs 50 USDT (paid in USDT, not USD) · Minimum initial balance 25 USD; 5% commission on card creation with initial balance · 0.4% fee on each successful transaction · 0.25 USD fee per rejected transactionShow source
No sign-up fee · No transaction fee · 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)
Not available in
United KingdomConditions apply: tap or hover for detailsShow source
UK currently restricted pending regulatory reviews and registration
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
YesShow source
YesShow source
Google Pay
YesShow source
YesShow source
Virtual card
YesShow source
YesShow source
ATM withdrawals
YesConditions apply: tap or hover for detailsShow source
Premium Card with ATM USA only
Spendable assets
ADA · ALGO · AVAX · BCH · BNB · BTC · DOT · ETH · HBAR · HT · KRRX · LINK · LTC · MATIC · NEAR · SHIB · SUSHI · TON · TRX · UNI · USDC · USDT · XLM · XRPConditions apply: tap or hover for detailsShow source
Supported for exchange/wallet; card top-up via crypto
180+ cryptocurrenciesConditions apply: tap or hover for detailsShow source
Black Card funding
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
ATM limit
$750Conditions apply: tap or hover for detailsShow source
Per day, up to 250 USD per transaction; Premium Card with ATM USA
Spending limit
$50,000Conditions apply: tap or hover for detailsShow source
Per purchase/payment on online platforms
$50,000Conditions apply: tap or hover for detailsShow source
Black Card, daily; page uses $ sign
Annual cost at 1,500 EUR/month
MaxSwap Virtual Card
- Annual & monthly feesunknown
- FX costs−22 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