Oppi Wallet Virtual Card vs vPay Card
Crypto native
Crypto native
Verdict
- Oppi Wallet Virtual Card and vPay Card have the same overall score (6.8/10).
- vPay 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.
vPay Card is a good fit for
- Frequent travellers
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 | vPay Card |
|---|---|---|
| Fees | 97 | 100 |
| Cashback & rewards | – | 53 |
| Availability | 100 | – |
| FX & international | 20 | 100 |
| Product features | 70 | 70 |
| Custody & security | – | – |
| Credit & financing | – | – |
| Limits & ATM | – | – |
| Transparency | 100 | – |
| Best for Cashback | n/a | 6.3 |
| Best for Travel | 5.6 | 7.7 |
| Best for DeFi Users | n/a | 6.3 |
| Best for High Spenders | n/a | 6.7 |
| Best for Low Fees | 7.1 | 8.5 |
| Best for Beginners | 8.2 | 6.5 |
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
WaitlistConditions apply: tap or hover for detailsShow source
Early access and card waitlist
Card type
Prepaid cardShow source
Network
MastercardShow source
Fees
Annual fee
FreeShow source
Monthly fee
FreeShow source
Virtual card fee
$10Conditions apply: tap or hover for detailsShow source
$5 credited back to the card
FX fee
2%Conditions apply: tap or hover for detailsShow source
2 to 2.5%
0%Conditions apply: tap or hover for detailsShow source
vPay's own FX fee
Top-up fee
FreeShow source
Cashback & rewards
Base cashback
1.5%Show source
Interest on balance
6%Conditions apply: tap or hover for detailsShow source
Up to
Availability
Available in
GlobalConditions apply: tap or hover for detailsShow source
210+ countries, eligibility checked at signup
Account / spend currencies
BTC · ETH · USDT · USDCConditions apply: tap or hover for detailsShow source
Top-up assets
Features
Apple Pay
YesShow source
Google Pay
YesShow source
Physical card
YesShow source
Virtual card
YesShow source
YesShow source
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
vPay Card
- Annual & monthly feesunknown
- FX costs+0 EUR
- Crypto conversion–
- ATM costsunknown
- Cashback+270 EUR
- Net annual valuenot enough data
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers