Verdict
- wavecard scores higher overall (7.8 vs 7.5 out of 10).
- XSPA Card is clearly stronger on: Fees, Product features, Custody & security.
- 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
XSPA Card is a good fit for
- People who want to keep control of their keys
Stronger on: Fees, Product features, Custody & security
★ 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 | wavecard | XSPA Card |
|---|---|---|
| Fees | 87 | 100 |
| Cashback & rewards | 75 | – |
| Availability | 100 | 100 |
| FX & international | 100 | – |
| Product features | 56 | 70 |
| Custody & security | 60 | 80 |
| Credit & financing | – | – |
| Limits & ATM | 20 | – |
| Transparency | 100 | 100 |
| Best for Cashback | 7.7 | n/a |
| Best for Travel | 7.9 | n/a |
| Best for Self-Custody | n/a | 7.6 |
| Best for DeFi Users | 6.9 | 7.1 |
| Best for High Spenders | 7.3 | n/a |
| Best for Low Fees | 8.2 | 8.0 |
| Best for Beginners | 8.0 | 8.6 |
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
Prepaid cardShow source
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
Self-custodyConditions apply: tap or hover for detailsShow source
card sits on top of a non-custodial wallet
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
Fees
Monthly fee
FreeShow source
Physical card fee
€29.99Conditions apply: tap or hover for detailsShow source
Tracked delivery free; express delivery €30
Virtual card fee
€2.99Show source
FX fee
0%Show source
Crypto conversion fee
1%Conditions apply: tap or hover for detailsShow source
Fee on card payments
Top-up fee
FreeShow source
ATM fee
€2 + 3%Show source
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
Cashback & rewards
Base cashback
3%Conditions apply: tap or hover for detailsShow source
Up to 21,000 sats in total
Cashback paid in
BTCShow source
Cashback type
CryptoShow source
Availability
Available in
EEAConditions apply: tap or hover for detailsShow source
Residents 18+
GlobalConditions apply: tap or hover for detailsShow source
200+ countries
Account / spend currencies
USDT · USDCShow source
Own IBAN / bank details
YesShow source
Features
Apple Pay
NoConditions apply: tap or hover for detailsShow source
Only via the Curve app; direct Apple Pay support coming soon
Google Pay
YesShow source
Physical card
YesShow source
YesShow source
Virtual card
YesShow source
YesShow source
ATM withdrawals
YesShow source
YesShow source
Spendable assets
BTCConditions apply: tap or hover for detailsShow source
Bitcoin-only
BTC · ETH · SOL · USDT · USDC · BNB · POL · TRXConditions apply: tap or hover for detailsShow source
top-up assets
Blockchains
Bitcoin · LightningShow source
Limits
ATM limit
€350Conditions apply: tap or hover for detailsShow source
Daily; monthly €3,000
Spending limit
€10,000Conditions apply: tap or hover for detailsShow source
Daily and monthly; monthly up to €15,000 with Tier 2 KYC
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
XSPA Card
- Annual & monthly feesunknown
- FX costsunknown
- Crypto conversion–
- ATM costsunknown
- Cashbackunknown
- Net annual valuenot enough data
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers