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Oppi Wallet Virtual Card vs Winity Card

Oppi Wallet Virtual Card

Crypto native

7.1
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Winity Card

Crypto native

7.3
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Verdict

  • Winity Card scores higher overall (7.3 vs 7.1 out of 10).
  • Oppi Wallet Virtual Card is clearly stronger on: Fees, Custody & security.
  • Winity 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

  • People who want to keep control of their keys

Stronger on: Fees, Custody & security

Winity Card is a good fit for

  • Stablecoin holders
  • Frequent travellers

Stronger on: 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
Get the card
Review & sourcesOppi Wallet Virtual Card vs ether.fi CashWinity Card vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionOppi Wallet Virtual CardWinity Card
Fees9770
Cashback & rewards––
Availability100100
FX & international20100
Product features7070
Custody & security8060
Credit & financing––
Limits & ATM–73
Transparency100100
Best for Cashbackn/a6.6
Best for Travel5.68.4
Best for Self-Custody7.2n/a
Best for DeFi Users6.96.3
Best for Stablecoinsn/a7.4
Best for High Spendersn/a6.6
Best for Low Fees7.18.3
Best for Beginners8.57.8

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
No data yet

Network

MastercardShow source
VisaShow source

Custody model

Self-custodyConditions apply: tap or hover for detailsShow source

Self-custody wallet until crypto is loaded onto the card

CustodialShow source

Card issuer / program manager

No data yet
WTY Technology Hong Kong Limited (program manager; cards issued by licensed Partners)Show source

Tiers / plans

No data yet
Exclusive · ExecutiveShow source

Fees

Annual fee

FreeShow source
FreeConditions apply: tap or hover for detailsShow source

Virtual card; physical card from USD 20/yr (first 6 months waived for new activations, promotion)

Monthly fee

FreeShow source
No data yet

Physical card fee

$100Show source
$20Conditions apply: tap or hover for detailsShow source

Per year, 'from USD 20/yr'; promotion: issued at no cost after $25 eligible spend and first 6 months waived; shipping charges may apply

Virtual card fee

$10Conditions apply: tap or hover for detailsShow source

$5 credited back to the card

FreeShow source

FX fee

2%Conditions apply: tap or hover for detailsShow source

2 to 2.5%

0%Show source

Crypto conversion fee

No data yet
5%Conditions apply: tap or hover for detailsShow source

Non-stable assets (ETH, SOL, WCO etc.)

Top-up fee

No data yet
FreeConditions apply: tap or hover for detailsShow source

USDT and USDC; other assets converted at 5%

ATM fee

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

per withdrawal

Small transaction fee

No data yet
$0.10Conditions apply: tap or hover for detailsShow source

transactions below USD 25

Other fees & markups

No data yet
Detailed account statement request: $5 per request (USD) · Minimum deposit of USD 25.00 within 14 days after virtual card activation or virtual card is deactivatedShow source

Cashback & rewards

Cashback type

No data yet
PointsShow source

Minimum balance

No data yet
$25Conditions apply: tap or hover for detailsShow source

required to complete card transactions

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

180+ countries

Account / spend currencies

BTC · ETH · USDT · USDCConditions apply: tap or hover for detailsShow source

Top-up assets

USDShow source

Features

Apple Pay

YesShow source
YesConditions apply: tap or hover for detailsShow source

Digital Wallet defined as Apple Pay, Google Pay or other supported platforms

Google Pay

YesShow source
YesShow source

Physical card

YesShow source
YesShow source

Virtual card

YesShow source
YesShow source

ATM withdrawals

No data yet
YesShow source

Spend stablecoins

No data yet
YesShow source

Spendable assets

BTC · ETH · USDT · USDCConditions apply: tap or hover for detailsShow source

and other supported crypto

USDC · USDTConditions apply: tap or hover for detailsShow source

Load assets

Blockchains

Ethereum · BSC · Polygon · TRON · SolanaConditions apply: tap or hover for detailsShow source

From comparison table

Ethereum · W Chain · Polygon · Tron · Solana · Binance Smart ChainShow 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

Winity Card

  • Annual & monthly fees+0 EUR
  • FX costs+0 EUR
  • Crypto conversion–
  • ATM costs−32 EUR
  • Cashbackunknown
  • Net annual valuenot enough data

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

More Oppi Wallet Virtual Card comparisons

More Winity Card comparisons