Oobit vs Tangem Pay
Crypto native
Crypto native
Verdict
- Oobit and Tangem Pay have the same overall score (4.7/10).
- Oobit is clearly stronger on: Cashback & rewards, Limits & ATM, Transparency.
- Tangem Pay is clearly stronger on: Fees.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Oobit is a good fit for
- People who want to keep control of their keys
Stronger on: Cashback & rewards, Limits & ATM, Transparency
Tangem Pay is a good fit for
- Stablecoin holders
Stronger on: Fees
Score by criterion
| Criterion | Oobit | Tangem Pay |
|---|---|---|
| Fees | 22 | 100 |
| Cashback & rewards | 40 | 24 |
| Availability | 10 | 3 |
| FX & international | – | 40 |
| Product features | 100 | – |
| Custody & security | 80 | – |
| Credit & financing | – | – |
| Limits & ATM | 50 | 20 |
| Transparency | 93 | 79 |
| Best for Cashback | 4.3 | 3.9 |
| Best for Travel | 4.8 | 4.4 |
| Best for Self-Custody | 6.5 | n/a |
| Best for DeFi Users | 6.0 | n/a |
| Best for Stablecoins | n/a | 5.8 |
| Best for High Spenders | 4.6 | 4.4 |
| Best for Low Fees | 4.4 | 7.0 |
| Best for Beginners | 6.2 | 5.6 |
Product
Product status
ActiveShow source
Product status: Active
Source: Oobit Crypto Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
ActiveShow source
Product status: Active
Source: Tangem Pay — The Visa Card for Your Crypto Wallet
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Network
VisaShow source
Network: Visa
Source: Oobit FAQ
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
VisaShow source
Network: Visa
Source: Tangem Pay — The Visa Card for Your Crypto Wallet
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Custody model
Self-custody*Show source
Custody model: Self-custody
Crypto stays in your wallet until the moment you pay
Source: Oobit FAQ
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Crypto stays in your wallet until the moment you pay
Card issuer / program manager
Rain (separate card program)Show source
Card issuer / program manager: Rain (separate card program)
Source: Tangem Pay — The Visa Card for Your Crypto Wallet
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Tiers / plans
Basic (free) · Plus ($29.99/month, waitlist) · PrestigeShow source
Tiers / plans: Basic (free) · Plus ($29.99/month, waitlist) · Prestige
Source: Tangem Pay Tiers Explained: Basic, Plus, and Prestige
Official announcement (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Fees
Monthly fee
Free*Show source
Monthly fee: Free
Basic tier; Plus $29.99/month
Source: Tangem Pay Tiers Explained: Basic, Plus, and Prestige
Official announcement (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Basic tier; Plus $29.99/month
FX fee
1.5%*Show source
FX fee: 1.5%
Up to; Tangem pages show 1% and 1.5%
Source: Tangem Pay Tiers Explained: Basic, Plus, and Prestige
Official announcement (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 45%
Up to; Tangem pages show 1% and 1.5%
Crypto conversion fee
0.95%*Show source
Crypto conversion fee: 0.95%
Swaps; 3% when swapping into OOB
Source: Oobit FAQ
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Swaps; 3% when swapping into OOB
ATM fee
2.5% (min. $0.25)*Show source
ATM fee: 2.5% (min. $0.25)
Plus ATM operator fees
Source: Oobit FAQ
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Plus ATM operator fees
4%*Show source
ATM fee: 4%
Basic tier; 2% on Plus
Source: Tangem Pay — The Visa Card for Your Crypto Wallet
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Basic tier; 2% on Plus
Settlement fee
1% (min. $0.25)*Show source
Settlement fee: 1% (min. $0.25)
Per card payment (Brazil: 1%, no minimum)
Source states (paraphrased): 1% per payment, with a minimum of $0.25.
Source: Oobit FAQ
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Per card payment (Brazil: 1%, no minimum)
Other fees & markups
Polygon gas when topping up with cryptoShow source
Other fees & markups: Polygon gas when topping up with crypto
Source: Tangem Pay — The Visa Card for Your Crypto Wallet
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Cashback & rewards
Base cashback
1%*Show source
Base cashback: 1%
Basic tier; minimum $30 per transaction; monthly cap applies
Source: Cashback Is Here: Your Tangem Pay Spending Now Earns You Back
Official announcement (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Basic tier; minimum $30 per transaction; monthly cap applies
Max cashback
10%*Show source
Max cashback: 10%
Up to
Source: Oobit Crypto Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Up to
2%*Show source
Max cashback: 2%
Plus tier ($29.99/month)
Source: Cashback Is Here: Your Tangem Pay Spending Now Earns You Back
Official announcement (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Plus tier ($29.99/month)
Cashback paid in
USDCShow source
Cashback paid in: USDC
Source: Cashback Is Here: Your Tangem Pay Spending Now Earns You Back
Official announcement (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Cashback type
StablecoinShow source
Cashback type: Stablecoin
Source: Cashback Is Here: Your Tangem Pay Spending Now Earns You Back
Official announcement (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Cashback-eligible spend cap
$200/month*Show source
Cashback-eligible spend cap: $200/month
When paying with tokens other than OOB; $10,000/month when paying with OOB
Source: Oobit FAQ
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
When paying with tokens other than OOB; $10,000/month when paying with OOB
Cashback conditions
Higher cashback cap requires paying with the OOB tokenShow source
Cashback conditions: Higher cashback cap requires paying with the OOB token
Source: Oobit FAQ
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Availability
Available in
United Arab Emirates, Saudi Arabia, South Korea*Show source
Available in: United Arab Emirates, Saudi Arabia, South Korea
Oobit lists 74 countries; only countries with a dedicated official page are recorded
Source: Crypto Card UAE
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 50%
Oobit lists 74 countries; only countries with a dedicated official page are recorded
United States*Show source
Available in: United States
Not all US states; plus select countries in LATAM, APAC, MEA and Africa (no list published on the page)
Source: Tangem Pay — The Visa Card for Your Crypto Wallet
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 45%
Not all US states; plus select countries in LATAM, APAC, MEA and Africa (no list published on the page)
Features
Apple Pay
Yes*Show source
Apple Pay: Yes
After verification
Source: Crypto Card in South Korea
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
After verification
Google Pay
Yes*Show source
Google Pay: Yes
After verification
Source: Crypto Card in South Korea
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
After verification
ATM withdrawals
YesShow source
ATM withdrawals: Yes
Source: Oobit FAQ
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Spend stablecoins
YesShow source
Spend stablecoins: Yes
Source: Tangem Pay — The Visa Card for Your Crypto Wallet
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Blockchains
PolygonShow source
Blockchains: Polygon
Source: Tangem Pay — The Visa Card for Your Crypto Wallet
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Annual cost at 1,500 EUR/month
Oobit
- Annual & monthly feesunknown
- FX costsunknown
- Crypto conversion–
- Per-transaction fees−180 EUR
- ATM costs−30 EUR
- Cashbackunknown
- Net annual valuenot enough data
Tangem Pay
- Annual & monthly fees+0 EUR
- FX costs−54 EUR
- Crypto conversion–
- ATM costs−48 EUR
- Cashback+180 EUR
- Net annual value78 EUR
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers