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Morse Card vs wavecard

Morse Card

Crypto native

7.2
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wavecard

Crypto native

7.8
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Verdict

  • wavecard scores higher overall (7.8 vs 7.2 out of 10).
  • Morse Card is clearly stronger on: Product features, Custody & security.
  • A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.

Morse Card is a good fit for

  • People who want to keep control of their keys
  • Frequent travellers

Stronger on: Product features, Custody & security

wavecard is a good fit for

  • Everyday spenders who want cashback
  • Frequent travellers

★ 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
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Review & sourcesMorse Card vs ether.fi Cashwavecard vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionMorse Cardwavecard
Fees–87
Cashback & rewards–75
Availability100100
FX & international100100
Product features7056
Custody & security9560
Credit & financing––
Limits & ATM–20
Transparency100100
Best for Cashbackn/a7.7
Best for Travel7.77.9
Best for Self-Custody8.0n/a
Best for DeFi Users7.16.9
Best for High Spendersn/a7.3
Best for Low Feesn/a8.2
Best for Beginners7.78.0

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 card, Debit cardShow source
Debit cardShow source

Network

VisaShow source
VisaShow source

Custody model

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

Card funded from the user's Wave Space Crypto account held via partner Lightspark

Card issuer / program manager

Lead Bank; programme manager Bridge Ventures LLCShow source
Lightspark Payments Europe AS (partner for financial services); Wave Space acts as distributorConditions apply: tap or hover for detailsShow source

Card issued via white-label arrangement with a third-party provider

Fees

Monthly fee

No data yet
FreeShow source

Physical card fee

No data yet
€29.99Conditions apply: tap or hover for detailsShow source

Tracked delivery free; express delivery €30

Virtual card fee

No data yet
€2.99Show source

FX fee

0%Conditions apply: tap or hover for detailsShow source

Stated for transfers/exchange at the real exchange rate

0%Show source

Crypto conversion fee

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

Fee on card payments

ATM fee

No data yet
€2 + 3%Show source

Other fees & markups

No data yet
€30 express delivery for physical card · Network withdrawal fees on crypto withdrawals (may differ from actual network fee) · Possible maintenance fee for accounts inactive 365 daysShow source

Cashback & rewards

Base cashback

No data yet
3%Conditions apply: tap or hover for detailsShow source

Up to 21,000 sats in total

Cashback paid in

No data yet
BTCShow source

Cashback type

No data yet
CryptoShow source

Interest on balance

3%Conditions apply: tap or hover for detailsShow source

Earn Wallet; shown for US and Mexico

No data yet

Availability

Available in

GlobalConditions apply: tap or hover for detailsShow source

150+ countries

EEAConditions apply: tap or hover for detailsShow source

Residents 18+

Account / spend currencies

USD · EUR · MXN · BRLConditions apply: tap or hover for detailsShow source

Account details for receiving

No data yet

Own IBAN / bank details

YesConditions apply: tap or hover for detailsShow source

Account details for receiving payments

YesShow source

Features

Apple Pay

YesShow source
NoConditions apply: tap or hover for detailsShow source

Only via the Curve app; direct Apple Pay support coming soon

Google Pay

YesShow source
YesShow source

Physical card

No data yet
YesShow source

Virtual card

No data yet
YesShow source

ATM withdrawals

No data yet
YesShow source

Spendable assets

BTC · ETH · USDC · USDTConditions apply: tap or hover for detailsShow source

Crypto wallet deposits; spending from Morse balance

BTCConditions apply: tap or hover for detailsShow source

Bitcoin-only

Blockchains

No data yet
Bitcoin · LightningShow source

Limits

ATM limit

No data yet
€350Conditions apply: tap or hover for detailsShow source

Daily; monthly €3,000

Spending limit

No data yet
€10,000Conditions apply: tap or hover for detailsShow source

Daily and monthly; monthly up to €15,000 with Tier 2 KYC

Security & custody

Regulation / licences

US Money Services Business · MiCA CASP authorised by AFM Netherlands (41000005) · NMLS ID 2639252Show source
No data yet

Annual cost at 1,500 EUR/month

Morse Card

  • Annual & monthly feesunknown
  • FX costs+0 EUR
  • Crypto conversion–
  • ATM costsunknown
  • Cashbackunknown
  • Net annual valuenot enough data

wavecard

  • Annual & monthly fees+0 EUR
  • FX costs+0 EUR
  • Crypto conversion–
  • ATM costs−60 EUR
  • Cashback+540 EUR
  • Net annual value480 EUR

Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers

More Morse Card comparisons

    More wavecard comparisons