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Tuyo Card vs Wise Card

Tuyo Card

Crypto native

6.7
Get the card
Wise Card

E-money / FinTech

7.3
Get the card

Verdict

  • Wise Card scores higher overall (7.3 vs 6.7 out of 10).
  • Wise 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.

Tuyo Card is a good fit for

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

Wise Card is a good fit for

  • Frequent travellers

Stronger on: FX & international

Score by criterion

CriterionTuyo CardWise Card
Fees100100
Cashback & rewards––
Availability–100
FX & international6083
Product features80–
Custody & security80–
Credit & financing30–
Limits & ATM–51
Transparency7986
Best for Travel6.57.6
Best for Self-Custody7.6n/a
Best for DeFi Users6.8n/a
Best for Stablecoins7.5n/a
Best for High Spenders6.0n/a
Best for Low Fees7.98.6
Best for Beginners7.67.5
Best E-Money Cardn/a8.0

Product

Product status

ActiveShow source

Product status: Active

Source: Tuyo 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: Fees for holding, receiving, and spending money

Official pricing / fee schedule (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Card type

Stablecoin cardShow source

Card type: Stablecoin card

Source: Tuyo Card

Official product page (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

No data yet

Network

VisaShow source

Network: Visa

Source states (paraphrased): Visa card accepted at 175M+ merchants.

Source: Tuyo Card

Official product page (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

No data yet

Custody model

Self-custody*Show source

Custody model: Self-custody

Keys stay on the user's device

Source: Tuyo – Send, Spend, Earn USDC (App Store)

Official product page (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 50%

Keys stay on the user's device

No data yet

Card issuer / program manager

Signify Holdings, Inc. (Rain)Show source

Card issuer / program manager: Signify Holdings, Inc. (Rain)

Source: Everything about Tuyo

Official help center / FAQ (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

No data yet

Fees

Monthly fee

FreeShow source

Monthly fee: Free

Source states (paraphrased): No monthly fee.

Source: Everything about Tuyo

Official help center / FAQ (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Free*Show source

Monthly fee: Free

No subscription required

Source: Fees for holding, receiving, and spending money

Official pricing / fee schedule (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

No subscription required

Physical card fee

No data yet
£7*Show source

Physical card fee: £7

UK one-time fee; US $9; EUR fee not captured; virtual card free

Source: How to use the Wise card abroad: for Brits

Official announcement (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

UK one-time fee; US $9; EUR fee not captured; virtual card free

Virtual card fee

FreeShow source

Virtual card fee: Free

Source states (paraphrased): No issuance fee.

Source: Everything about Tuyo

Official help center / FAQ (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

FreeShow source

Virtual card fee: Free

Source: How to use the Wise card abroad: for Brits

Official announcement (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

FX fee

1%*Show source

FX fee: 1%

Up to ~1% FX spread on non-USD spend; no fee on USD transactions

Source: Everything about Tuyo

Official help center / FAQ (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Up to ~1% FX spread on non-USD spend; no fee on USD transactions

0.43%*Show source

FX fee: 0.43%

From; varies by currency pair; 0% when spending a currency you hold

Source: Fees for holding, receiving, and spending money

Official pricing / fee schedule (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

From; varies by currency pair; 0% when spending a currency you hold

ATM fee

No data yet
2.69%*Show source

ATM fee: 2.69%

Eurozone-issued cards, above the free allowance; ATM operators may add fees

Source: Card payments abroad from France: what are the fees

Official announcement (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Eurozone-issued cards, above the free allowance; ATM operators may add fees

Free ATM allowance

No data yet
€250/month*Show source

Free ATM allowance: €250/month

Eurozone-issued cards; no limit on the number of free withdrawals

Source: Card payments abroad from France: what are the fees

Official announcement (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Eurozone-issued cards; no limit on the number of free withdrawals

Cashback & rewards

Cashback conditions

No fixed cashback rate · Tuyo may cover all or part of a purchase at its own discretion ('Your next purchase may be free')Show source

Cashback conditions: No fixed cashback rate · Tuyo may cover all or part of a purchase at its own discretion ('Your next purchase may be free')

Source: Tuyo — Your next purchase may be free

Official product page (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

No data yet

Credit & financing

Credit line

NoShow source

Credit line: No

Source: Everything about Tuyo

Official help center / FAQ (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

No data yet

Availability

Available in

No data yet
Australia, Brazil, Canada, EEA, Switzerland, Israel, Japan, Malaysia, New Zealand, Philippines, Singapore, Thailand, United Kingdom, United States*Show source

Available in: Australia, Brazil, Canada, EEA, Switzerland, Israel, Japan, Malaysia, New Zealand, Philippines, Singapore, Thailand, United Kingdom, United States

Personal customers; US excluding Nevada residents; Thailand not for older accounts

Source: Can I get the Wise card in my country?

Official help center / FAQ (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Personal customers; US excluding Nevada residents; Thailand not for older accounts

Account / spend currencies

No data yet
EUR · GBP · USD · and many moreShow source

Account / spend currencies: EUR · GBP · USD · and many more

Source: Getting started with the Wise card

Official help center / FAQ (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Features

Apple Pay

YesShow source

Apple Pay: Yes

Source: Tuyo Card

Official product page (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

No data yet

Google Pay

YesShow source

Google Pay: Yes

Source: Tuyo Card

Official product page (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

No data yet

Physical card

No*Show source

Physical card: No

Physical card announced as coming soon

Source: Everything about Tuyo

Official help center / FAQ (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Physical card announced as coming soon

No data yet

Virtual card

YesShow source

Virtual card: Yes

Source: Tuyo Card

Official product page (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

No data yet

Spend stablecoins

YesShow source

Spend stablecoins: Yes

Source: Tuyo Card

Official product page (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

No data yet

Blockchains

BaseShow source

Blockchains: Base

Source: Everything about Tuyo

Official help center / FAQ (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

No data yet

Annual cost at 1,500 EUR/month

Tuyo Card

  • Annual & monthly fees+0 EUR
  • FX costs−36 EUR
  • Crypto conversion–
  • ATM costsunknown
  • Cashbackunknown
  • Net annual valuenot enough data

Wise Card

  • Annual & monthly fees+0 EUR
  • FX costs−15 EUR
  • Crypto conversion–
  • ATM costs+0 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 Tuyo Card comparisons

More Wise Card comparisons