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wavecard vs Winity Card

wavecard

Crypto native

7.8
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Winity Card

Crypto native

7.3
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Verdict

  • wavecard scores higher overall (7.8 vs 7.3 out of 10).
  • wavecard is clearly stronger on: Fees.
  • Winity Card is clearly stronger on: Product features, Limits & ATM.
  • A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.

wavecard is a good fit for

  • Everyday spenders who want cashback
  • Frequent travellers

Stronger on: Fees

Winity Card is a good fit for

  • Stablecoin holders
  • Frequent travellers

Stronger on: Product features, Limits & ATM

★ 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 & sourceswavecard vs ether.fi CashWinity Card vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionwavecardWinity Card
Fees8770
Cashback & rewards75–
Availability100100
FX & international100100
Product features5670
Custody & security6060
Credit & financing––
Limits & ATM2073
Transparency100100
Best for Cashback7.76.6
Best for Travel7.98.4
Best for DeFi Users6.96.3
Best for Stablecoinsn/a7.4
Best for High Spenders7.36.6
Best for Low Fees8.28.3
Best for Beginners8.07.8

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

Debit cardShow source
No data yet

Network

VisaShow source
VisaShow source

Custody model

CustodialConditions apply: tap or hover for detailsShow source

Card funded from the user's Wave Space Crypto account held via partner Lightspark

CustodialShow source

Card issuer / program manager

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

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

No data yet
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

€29.99Conditions apply: tap or hover for detailsShow source

Tracked delivery free; express delivery €30

$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

€2.99Show source
FreeShow source

FX fee

0%Show source
0%Show source

Crypto conversion fee

1%Conditions apply: tap or hover for detailsShow source

Fee on card payments

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

€2 + 3%Show source
$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

€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
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

Base cashback

3%Conditions apply: tap or hover for detailsShow source

Up to 21,000 sats in total

No data yet

Cashback paid in

BTCShow source
No data yet

Cashback type

CryptoShow source
PointsShow source

Minimum balance

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

required to complete card transactions

Availability

Available in

EEAConditions apply: tap or hover for detailsShow source

Residents 18+

GlobalConditions apply: tap or hover for detailsShow source

180+ countries

Account / spend currencies

No data yet
USDShow source

Own IBAN / bank details

YesShow source
No data yet

Features

Apple Pay

NoConditions apply: tap or hover for detailsShow source

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

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

YesShow source
YesShow source

Spend stablecoins

No data yet
YesShow source

Spendable assets

BTCConditions apply: tap or hover for detailsShow source

Bitcoin-only

USDC · USDTConditions apply: tap or hover for detailsShow source

Load assets

Blockchains

Bitcoin · LightningShow source
Ethereum · W Chain · Polygon · Tron · Solana · Binance Smart ChainShow source

Limits

ATM limit

€350Conditions apply: tap or hover for detailsShow source

Daily; monthly €3,000

No data yet

Spending limit

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

Daily and monthly; monthly up to €15,000 with Tier 2 KYC

No data yet

Annual cost at 1,500 EUR/month

wavecard

  • Annual & monthly fees+0 EUR
  • FX costs+0 EUR
  • Crypto conversion–
  • ATM costs−60 EUR
  • Cashback+540 EUR
  • Net annual value480 EUR

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 wavecard comparisons

    More Winity Card comparisons