Ranking
Best e-money & FinTech cards
Fiat-first FinTech and e-money cards (and crypto-enabled platforms) ranked by fees, FX, ATM costs and features.
Currently ranked first: bunq with 8.9/10 (e-money weighting). 7 cards qualify. Rankings update automatically when verified data changes — last rendered 24 October 2026.
- Cashback
- 0%*
- Fee
- Free*
- FX fee
- 0%*
No annual or monthly fee on the base tier
No FX markup from the issuer
ATM fee €2.99
Physical card costs €99
- Cashback
- 0%*
- Fee
- Free*
- FX fee
- 0%*
No annual or monthly fee on the base tier
No FX markup from the issuer
- Cashback
- 1%*
- Fee
- Free
- FX fee
- 0%*
No annual or monthly fee on the base tier
No FX markup from the issuer
Top rate of 2% only with conditions — Crypto Saveback when paying with crypto; same 1,500 € monthly cap; crypto-funded payments count as a sale
- Cashback
- 0%*
- Fee
- Free*
- FX fee
- 0.43%*
No annual or monthly fee on the base tier
Low FX fee (0.43%)
- Cashback
- 0%*
- Fee
- Free*
- FX fee
- 0%*
No annual or monthly fee on the base tier
No FX markup from the issuer
Top rate of 1% only with conditions — Travel cashback on Go (9.90 €/month) and Metal (16.90 €/month) only
- Cashback
- No data yet
- Fee
- $1,000/year*
- FX fee
- 0%*
No FX markup from the issuer
Free ATM withdrawals up to $100/month
Annual cost $1,000 (Xapo Bank membership, card included)
Top rate of 1% only with conditions — Up to, on qualifying purchases
- Cashback
- 0%*
- Fee
- Free*
- FX fee
- 2.99%*
No annual or monthly fee on the base tier
Apple Pay and Google Pay
FX fee up to 2.99%
Top rate of 1% only with conditions — Paid plans: on non-European/non-UK currency spend (X) or selected retailers (Pro/Pro+, capped £25/£50 per month)
