savebackcards.com
DEEN

Bitwala Card vs Tuyo Card

Bitwala Card

Crypto native

7.0
Get the card
Tuyo Card

Crypto native

6.6
Get the card

Verdict

  • Bitwala Card scores higher overall (7.0 vs 6.6 out of 10).
  • Bitwala Card is clearly stronger on: Transparency.
  • Tuyo Card is clearly stronger on: Fees, Custody & security.
  • A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.

Bitwala Card is a good fit for

  • Stablecoin holders

Stronger on: Transparency

Tuyo Card is a good fit for

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

Stronger on: Fees, Custody & security

★ 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 & sourcesBitwala Card vs ether.fi CashTuyo Card vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionBitwala CardTuyo Card
Fees88100
Cashback & rewards––
Availability100–
FX & international–60
Product features5858
Custody & security7080
Credit & financing3030
Limits & ATM60–
Transparency10086
Best for Travel6.66.4
Best for Self-Custodyn/a7.5
Best for DeFi Users6.26.7
Best for Stablecoins6.87.3
Best for High Spendersn/a5.9
Best for Low Fees7.68.0
Best for Beginners7.97.2

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
Stablecoin cardShow source

Network

VisaShow source
VisaShow source

Custody model

HybridConditions apply: tap or hover for detailsShow source

Self-custodial crypto wallet; euros held in the Bitwala account

Self-custodyConditions apply: tap or hover for detailsShow source

Keys stay on the user's device

Card issuer / program manager

No data yet
Signify Holdings, Inc. (Rain)Show source

Fees

Annual fee

No data yet
FreeShow source

Monthly fee

FreeShow source
FreeShow source

Physical card fee

€9.99Conditions apply: tap or hover for detailsShow source

Plus shipping

No data yet

Virtual card fee

€0.99Show source
FreeShow source

FX fee

No data yet
1%Conditions apply: tap or hover for detailsShow source

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

Crypto conversion fee

1%Conditions apply: tap or hover for detailsShow source

Plus €0.20 per crypto payment; euro payments free

No data yet

ATM fee

€2 + 1%Show source
No data yet

Other fees & markups

Crypto payments €0.20 + 1% per transactionShow source
ATM operator fees and FX markups apply on top of the withdrawal amountShow source

Cashback & rewards

Cashback paid in

No data yet
TUYOs (points)Conditions apply: tap or hover for detailsShow source

Not tradable or transferable

Cashback type

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

Rewards in TUYOs points; rates shown in app; seasonal multipliers (time-limited) until token launch

Cashback conditions

No data yet
TUYOs earned per dollar spent with the card; current rates only in the app · Seasonal multiplier boosts decline after each season down to baseline rates · TUYOs are not tradable nor transferableShow source

Credit & financing

Credit line

NoShow source
NoShow source

Availability

Available in

EEAShow source
No data yet

Not available in

No data yet
AF, BD, BY, CN, CD, CU, India, IR, IQ, LB, LY, ML, MM, NP, Nigeria, KP, RU, SO, SS, SD, SY, Turkey, Ukraine, United Kingdom, VE, Vietnam, YEConditions apply: tap or hover for detailsShow source

Platform-wide prohibited jurisdictions (no wallet, Earn, ramps, card or bank-account services); card provider has additional restrictions

Account / spend currencies

No data yet
USD · EURShow source

Own IBAN / bank details

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

Type of account details depends on country of residence (CLABE, IBAN or US account/routing number)

Features

Apple Pay

NoConditions apply: tap or hover for detailsShow source

Only via Curve

YesShow source

Google Pay

YesShow source
YesShow source

Physical card

YesShow source
NoConditions apply: tap or hover for detailsShow source

Physical card announced as coming soon

Virtual card

YesShow source
YesShow source

ATM withdrawals

YesShow source
YesShow source

Spend stablecoins

YesShow source
YesShow source

Spendable assets

BTC · ETH · USDC · EURShow source
USDCShow source

Blockchains

No data yet
BaseShow source

Limits

ATM limit

No data yet
$250Conditions apply: tap or hover for detailsShow source

Per withdrawal incl. ATM surcharge; up to three attempts per rolling 24 hours

Spending limit

No data yet
$50,000Conditions apply: tap or hover for detailsShow source

Daily; can rise to $100,000 and then $200,000 as total spending grows

Annual cost at 1,500 EUR/month

Bitwala Card

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

Tuyo Card

  • Annual & monthly fees+0 EUR
  • FX costs−36 EUR
  • 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

More Bitwala Card comparisons

More Tuyo Card comparisons