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Oobit vs wavecard

Oobit

Crypto native

8.0
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wavecard

Crypto native

7.8
Get the card

Verdict

  • Oobit scores higher overall (8.0 vs 7.8 out of 10).
  • Oobit is clearly stronger on: Cashback & rewards, Product features, Custody & security, Limits & ATM.
  • wavecard is clearly stronger on: Fees, FX & international.
  • For 1,500 EUR/month of spend, wavecard comes out about 637 EUR a year ahead on base-tier terms.

Oobit is a good fit for

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

Stronger on: Cashback & rewards, Product features, Custody & security, Limits & ATM

wavecard is a good fit for

  • Everyday spenders who want cashback
  • Frequent travellers

Stronger on: Fees, 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
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Review & sourcesOobit vs ether.fi Cashwavecard vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionOobitwavecard
Fees7187
Cashback & rewards10075
Availability100100
FX & international40100
Product features9056
Custody & security9560
Credit & financing30–
Limits & ATM5020
Transparency93100
Best for Cashback8.97.7
Best for Travel6.67.9
Best for Self-Custody8.6n/a
Best for DeFi Users7.96.9
Best for Stablecoins7.8n/a
Best for High Spenders7.47.3
Best for Low Fees6.38.2
Best for Beginners9.08.0

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

No data yet
Debit cardShow source

Network

VisaShow source
VisaShow source

Custody model

Self-custodyConditions apply: tap or hover for detailsShow source

Crypto stays in your wallet until the moment you pay

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

Third National (issuer, under license from Visa); program provided by Oobit Technologies UABShow 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

Annual fee

FreeConditions apply: tap or hover for detailsShow source

No fee for the card itself

No data yet

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

1.5%Conditions apply: tap or hover for detailsShow source

Up to 1.5% on non-USD purchases

0%Show source

Crypto conversion fee

0.95%Conditions apply: tap or hover for detailsShow source

Swaps; 3% when swapping into OOB

1%Conditions apply: tap or hover for detailsShow source

Fee on card payments

ATM fee

2.5% (min. $0.25)Conditions apply: tap or hover for detailsShow source

Plus ATM operator fees

€2 + 3%Show source

Settlement fee

1% (min. $0.25)Conditions apply: tap or hover for detailsShow source

Per card payment (Brazil: 1%, no minimum)

No data yet

Other fees & markups

Crypto withdrawal to another wallet: network fee (higher for ERC-20)Show source
€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

5%Conditions apply: tap or hover for detailsShow source

Only for eligible transactions paid in USDT/USDC, capped at USD 200 eligible spend (period not stated); available from level 1; Oobit may change offers with 30 days' notice

3%Conditions apply: tap or hover for detailsShow source

Up to 21,000 sats in total

Max cashback

10%Conditions apply: tap or hover for detailsShow source

Up to

No data yet

Cashback paid in

USDC (EEA residents) / USDT (outside EEA)Show source
BTCShow source

Cashback type

StablecoinConditions apply: tap or hover for detailsShow source

Points convert to USDC (EEA residents) or USDT (outside EEA); OOB payments earn token rewards

CryptoShow source

Cashback-eligible spend cap

$200/monthConditions apply: tap or hover for detailsShow source

When paying with tokens other than OOB; $10,000/month when paying with OOB

No data yet

Max cashback per month

$500/monthConditions apply: tap or hover for detailsShow source

When paying with OOB (on up to USD 5,000 spend per calendar month)

No data yet

Cashback conditions

Tap to Pay points: 1x at level 1 up to 5x at USD 1,500 cumulative spend in a 90-day cycle · 1,000 points = USD 1 · Qualifying Payment must be at least USD 1 · Rewards usable only for Tap to Pay payments; cannot be withdrawn or transferredShow source
No data yet

Staking / holding required for top rewards

NoShow source
No data yet

Reward expiry / vesting

Outstanding accrued rewards are lost if the account is closed, suspended or restrictedShow source
No data yet

Reward exclusions

Payments without sufficient crypto in account · Payments the merchant does not receive · Refunded or reversed paymentsShow source
No data yet

Credit & financing

Credit line

NoConditions apply: tap or hover for detailsShow source

Classified as credit card only for network acceptance; spends own crypto

No data yet

Interest (APR)

0%Conditions apply: tap or hover for detailsShow source

Currently 0% on all purchases; issuer may introduce interest for new purchases

No data yet

Spend own balance directly

YesShow source
No data yet

Availability

Available in

AL, AD, Austria, Belgium, BA, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, GE, Germany, GI, Greece, GG, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, MD, MC, ME, Netherlands, MK, Norway, Poland, Portugal, Romania, RS, Slovakia, Slovenia, Spain, Sweden, Switzerland, United Kingdom, KZ, KG, Malaysia, Philippines, Saudi Arabia, South Korea, TW, Thailand, United Arab Emirates, Vietnam, BS, CR, DO, SV, GL, GT, Mexico, PA, PR, United States, Argentina, Brazil, Chile, Colombia, EC, PY, Peru, UY, South Africa, TZ, Australia, New ZealandConditions apply: tap or hover for detailsShow source

Country list as given on the page (74 countries listed, page claims 80+)

EEAConditions apply: tap or hover for detailsShow source

Residents 18+

Not available in

United StatesConditions apply: tap or hover for detailsShow source

Card intended for non-US citizens (citizenship, not residence)

No data yet

Account / spend currencies

USDConditions apply: tap or hover for detailsShow source

Base currency; other currencies converted automatically, rate shown on receipt

No data yet

Own IBAN / bank details

No data yet
YesShow source

Features

Apple Pay

YesConditions apply: tap or hover for detailsShow source

After verification

NoConditions apply: tap or hover for detailsShow source

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

Google Pay

YesConditions apply: tap or hover for detailsShow source

After verification

YesShow source

Physical card

No data yet
YesShow source

Virtual card

YesShow source
YesShow source

ATM withdrawals

YesShow source
YesShow source

Spend stablecoins

YesShow source
No data yet

Travel / rental car insurance

YesConditions apply: tap or hover for detailsShow source

Worldwide auto rental coverage via Visa Platinum; no general travel insurance stated

No data yet

Purchase protection

YesConditions apply: tap or hover for detailsShow source

Visa Platinum benefits, included automatically

No data yet

Spendable assets

USDC · USDT · BNB · USDR · EURR · BTC · DOGE · ETH · SOL · TRX · XRP · XTZ · TON · VET · XAUT · LTC · XLM · TRUMP · ADA · BCH · SHIBShow source
BTCConditions apply: tap or hover for detailsShow source

Bitcoin-only

Blockchains

Ethereum · BNB Smart Chain · Solana · PolygonConditions apply: tap or hover for detailsShow source

DePay payments

Bitcoin · LightningShow source

Limits

ATM limit

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

Daily; monthly €3,000

Spending limit

$10,000Conditions apply: tap or hover for detailsShow source

Per day; maximum limit

€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: crypto services via Bakkt Financial Solutions I, LLC (FinCEN MSB, state money transmitter licences)Show source
No data yet

Annual cost at 1,500 EUR/month

Oobit

  • Annual & monthly fees+0 EUR
  • FX costs−54 EUR
  • Crypto conversion–
  • Per-transaction fees−180 EUR
  • ATM costs−30 EUR
  • Cashback+107 EUR
  • Net annual value-157 EUR

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 Oobit comparisons

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