Oppi Wallet Virtual Card vs THORWallet Card
Crypto native
Crypto native
Verdict
- Oppi Wallet Virtual Card and THORWallet Card have the same overall score (6.8/10).
- THORWallet 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.
Oppi Wallet Virtual Card is a good fit for
- No specific audience can be derived from the published data yet.
THORWallet Card is a good fit for
- People who want to keep control of their keys
Stronger on: FX & international
★ 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 | Oppi Wallet Virtual Card | THORWallet Card |
|---|---|---|
| Fees | 97 | 98 |
| Cashback & rewards | – | 13 |
| Availability | 100 | 100 |
| FX & international | 20 | 40 |
| Product features | 70 | 70 |
| Custody & security | – | 80 |
| Credit & financing | – | – |
| Limits & ATM | – | 91 |
| Transparency | 100 | 100 |
| Best for Cashback | n/a | 5.0 |
| Best for Travel | 5.6 | 6.6 |
| Best for Self-Custody | n/a | 6.9 |
| Best for DeFi Users | n/a | 6.3 |
| Best for High Spenders | n/a | 4.8 |
| Best for Low Fees | 7.1 | 8.3 |
| Best for Beginners | 8.2 | 8.1 |
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
Network
MastercardShow source
MastercardShow source
Custody model
Self-custodyShow source
Tiers / plans
Basic · Premium · Swiss IBANShow source
Fees
Annual fee
FreeShow source
Monthly fee
FreeShow source
Physical card fee
$124Conditions apply: tap or hover for detailsShow source
Premium, one-off; $99 with an invite
Virtual card fee
$10Conditions apply: tap or hover for detailsShow source
$5 credited back to the card
$5Conditions apply: tap or hover for detailsShow source
Basic; free with an invite code
FX fee
2%Conditions apply: tap or hover for detailsShow source
2 to 2.5%
1.5%Show source
Top-up fee
FreeConditions apply: tap or hover for detailsShow source
Basic
ATM fee
$1Conditions apply: tap or hover for detailsShow source
Domestic; $5 international
Cashback & rewards
Base cashback
0.5%Conditions apply: tap or hover for detailsShow source
Premium; Basic 0%
Cashback paid in
USDCShow source
Cashback type
StablecoinConditions apply: tap or hover for detailsShow source
Premium only
Cashback-eligible spend cap
$5,000/monthConditions apply: tap or hover for detailsShow source
Spend per month
Staking / holding required for top rewards
NoShow source
Availability
Available in
GlobalConditions apply: tap or hover for detailsShow source
210+ countries, eligibility checked at signup
GlobalConditions apply: tap or hover for detailsShow source
175+ countries including the US
Account / spend currencies
BTC · ETH · USDT · USDCConditions apply: tap or hover for detailsShow source
Top-up assets
Own IBAN / bank details
YesConditions apply: tap or hover for detailsShow source
Swiss IBAN account
Features
Apple Pay
YesShow source
Google Pay
YesShow source
Physical card
YesConditions apply: tap or hover for detailsShow source
Premium
Virtual card
YesShow source
YesShow source
ATM withdrawals
YesShow source
Limits
ATM limit
$10,000Conditions apply: tap or hover for detailsShow source
Per day
Spending limit
$100,000Conditions apply: tap or hover for detailsShow source
Monthly POS limit, Basic; Premium $1,000,000
Annual cost at 1,500 EUR/month
Oppi Wallet Virtual Card
- Annual & monthly fees+0 EUR
- FX costs−72 EUR
- Crypto conversion–
- ATM costsunknown
- Cashbackunknown
- Net annual valuenot enough data
THORWallet Card
- Annual & monthly feesunknown
- FX costs−54 EUR
- Crypto conversion–
- ATM costs−11 EUR
- Cashback+90 EUR
- Net annual valuenot enough data
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers