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Mine Card vs Wayex Card

Mine Card

Crypto native

6.2
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Wayex Card

Crypto native

6.2
Get the card

Verdict

  • Mine Card and Wayex Card have the same overall score (6.2/10).
  • Mine Card is clearly stronger on: Fees, Custody & security.
  • Wayex 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.

Mine Card is a good fit for

  • People who want to keep control of their keys
  • Stablecoin holders

Stronger on: Fees, Custody & security

Wayex Card is a good fit for

  • Stablecoin holders
  • Frequent travellers

Stronger on: FX & international

★ Our pickEditorial choice · score unchanged · Affiliate link

Neither card is our pick. The card we recommend instead:

ether.fi Cash

Crypto native · ether.fi

8.1

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
Get the card
Review & sourcesMine Card vs ether.fi CashWayex Card vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionMine CardWayex Card
Fees10087
Cashback & rewards26–
Availability–3
FX & international40100
Product features7070
Custody & security8570
Credit & financing––
Limits & ATM––
Transparency100100
Best for Cashback5.0n/a
Best for Travel5.67.3
Best for Self-Custody7.3n/a
Best for DeFi Users6.76.9
Best for Stablecoins6.87.9
Best for High Spenders5.0n/a
Best for Low Fees7.88.7
Best for Beginners7.66.7

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

ActiveConditions apply: tap or hover for detailsShow source

Invite-only: sign-up needs a code from an existing member (or the higher no-code price)

ActiveShow source

Card type

Stablecoin cardConditions apply: tap or hover for detailsShow source

Spends from your USDC balance, converted at purchase

Prepaid cardShow source

Network

MastercardShow source
VisaShow source

Custody model

Self-custodyShow source
HybridConditions apply: tap or hover for detailsShow source

Custodial by default; optional self-custody

Card issuer / program manager

Atomo Sarl (Unblock card program)Conditions apply: tap or hover for detailsShow source

Card service offered via EMM Ventures AG (MINE)

Lead Bank (issuer); Bridge, a Stripe company (program manager)Show source

Tiers / plans

Basic · PremiumConditions apply: tap or hover for detailsShow source

Metal and Private announced, no price yet

No data yet

Fees

Monthly fee

FreeConditions apply: tap or hover for detailsShow source

Basic and Premium are one-off fees, no subscription

FreeShow source

Physical card fee

$124Conditions apply: tap or hover for detailsShow source

Premium tier (physical + virtual card), one-off; $99 with an invite code

No data yet

Virtual card fee

FreeConditions apply: tap or hover for detailsShow source

Basic: free with valid invite code, otherwise USD 5 one-off activation

FreeShow source

FX fee

1.5%Conditions apply: tap or hover for detailsShow source

Switzerland and international, all tiers

0%Conditions apply: tap or hover for detailsShow source

Statement concerns use overseas; FAQ may describe an older AUD card (other Wayex page describes USD card with 1.5% non-USD FX fee)

Crypto conversion fee

No data yet
1%Conditions apply: tap or hover for detailsShow source

Crypto-to-AUD transaction fee at point of sale; plus 1% fee for buying and selling crypto

Top-up fee

FreeShow source
0.1%Conditions apply: tap or hover for detailsShow source

USDT deposits only; DAI/USDC deposits 1:1 no fee

Other fees & markups

MINE swap fee 1.25% (Basic; 0.50% for Premium in first 12 months) · Premium membership USD 124 one-off (USD 99 with invite), paid in USDCShow source
1% fee for buying and selling crypto · No deposit or withdrawal fees · Replacement card free once lifetime spend limit reachedShow source

Cashback & rewards

Base cashback

0%Conditions apply: tap or hover for detailsShow source

Basic tier has no cashback; Premium 0.5% in USDC

No data yet

Max cashback

0.5%Conditions apply: tap or hover for detailsShow source

Premium tier; 'boosted cashback' announced for Metal

No data yet

Cashback paid in

USDCShow source
No data yet

Cashback type

StablecoinShow source
No data yet

Interest on balance

5%Conditions apply: tap or hover for detailsShow source

Opt-in Earn via Aave V3, off by default; variable

5%Conditions apply: tap or hover for detailsShow source

Up to, on liquid stablecoin balance

Cashback-eligible spend cap

$5,000/monthConditions apply: tap or hover for detailsShow source

Premium months 1-12; USD 2,000 of qualifying spend from month 13

No data yet

Reward expiry / vesting

Forfeited on termination for cause; 30 days after ordinary cancellationShow source
No data yet

Reward exclusions

cash and quasi-cash · money transfer and remittance · gambling and betting · purchases of crypto-assets · gift cards and stored value · financial institution merchandiseShow source
No data yet

Availability

Available in

No data yet
AustraliaConditions apply: tap or hover for detailsShow source

Eligible: Australian citizens or people living at an Australian address, 18+

Account / spend currencies

CHF · EUR · USDCShow source
AUDConditions apply: tap or hover for detailsShow source

Crypto converted to AUD at point of sale; AUD deposits

Own IBAN / bank details

YesConditions apply: tap or hover for detailsShow source

CHF and EUR IBAN in your own name; incoming money settles as USDC

No data yet

Features

Apple Pay

YesShow source
YesShow source

Google Pay

YesShow source
YesShow source

Physical card

YesConditions apply: tap or hover for detailsShow source

Premium tier

YesConditions apply: tap or hover for detailsShow source

Where supported

Virtual card

YesShow source
YesShow source

ATM withdrawals

YesConditions apply: tap or hover for detailsShow source

Limit $20,000 per month on Basic, $60,000 on Premium

No data yet

Spend stablecoins

YesShow source
YesShow source

Airport lounge access

NoConditions apply: tap or hover for detailsShow source

Listed only under the (not yet released) Metal tier; not on Basic or Premium

No data yet

Spendable assets

USDCShow source
USDC · USDT · DAI · PYUSDConditions apply: tap or hover for detailsShow source

Deposited and converted to one USD balance

Blockchains

No data yet
Ethereum · Solana · Base · Arbitrum · Avalanche · Optimism · Polygon · Stellar · Tron · CelestiaShow source

Limits

ATM limit

$20,000Conditions apply: tap or hover for detailsShow source

Per month on Basic; $60,000 on Premium

No data yet

Spending limit

$100,000Conditions apply: tap or hover for detailsShow source

Per month, Basic; Premium $1,000,000

No data yet

Security & custody

Regulation / licences

Card issued by Unblock Atomo SARL, EEA-licensed e-money institution (Luxembourg) · Operated by EMM Ventures AG, Switzerland · IBAN and conversion services provided by a regulated Swiss financial intermediaryShow source
No data yet

Smart-contract risk

YesConditions apply: tap or hover for detailsShow source

Applies to opt-in Earn via Aave V3

No data yet

Annual cost at 1,500 EUR/month

Mine Card

  • Annual & monthly fees+0 EUR
  • FX costs−54 EUR
  • Crypto conversion–
  • ATM costsunknown
  • Cashback+0 EUR
  • Net annual valuenot enough data

Wayex Card

  • Annual & monthly fees+0 EUR
  • FX costs+0 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

More Mine Card comparisons

More Wayex Card comparisons