ether.fi Cash vs Tangem Pay
Crypto native
Crypto native
Verdict
- ether.fi Cash scores higher overall (8.2 vs 4.8 out of 10).
- ether.fi Cash is clearly stronger on: Fees, Cashback & rewards, Availability, Product features, Credit & financing, Limits & ATM.
- For 1,500 EUR/month of spend, ether.fi Cash comes out about 384 EUR a year ahead on base-tier terms.
ether.fi Cash is a good fit for
- People who want to keep control of their keys
- Stablecoin holders
- Users who need credit rather than a debit/prepaid card
- Everyday spenders who want cashback
Stronger on: Fees, Cashback & rewards, Availability, Product features, Credit & financing, Limits & ATM
Tangem Pay is a good fit for
- People who want to keep control of their keys
- Stablecoin holders
Score by criterion
| Criterion | ether.fi Cash | Tangem Pay |
|---|---|---|
| Fees | 100 | 79 |
| Cashback & rewards | 69 | 30 |
| Availability | 100 | 3 |
| FX & international | 40 | 40 |
| Product features | 100 | 70 |
| Custody & security | 85 | 80 |
| Credit & financing | 75 | 30 |
| Limits & ATM | 60 | 20 |
| Transparency | 79 | 79 |
| Best for Cashback | 7.8 | 4.1 |
| Best for Travel | 6.9 | 4.3 |
| Best for Self-Custody | 8.2 | 6.7 |
| Best for DeFi Users | 8.2 | 5.9 |
| Best for Stablecoins | 7.8 | 6.1 |
| Best for High Spenders | 7.1 | 4.2 |
| Best for Low Fees | 7.6 | 6.0 |
| Best for Beginners | 9.1 | 6.1 |
| Best Crypto Credit Card | 7.9 | n/a |
Product
Product status
ActiveShow source
Product status: Active
Source states (paraphrased): Help center describes current personal and corporate Cash cards.
Source: What are the benefits of a personal Cash credit card?
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
ActiveShow source
Product status: Active
Source: Tangem Pay — The Visa Card for Your Crypto Wallet
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 80%
Card type
Crypto-backed credit*Show source
Card type: Crypto-backed credit
Marketed as a credit card; Direct Pay mode spends your own balance
Source states (paraphrased): Help center: Borrow Mode borrows against your assets, Direct Pay Mode spends them.
Source: Understanding your Cash card: Borrow Mode vs Direct Pay Mode
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 80%
Marketed as a credit card; Direct Pay mode spends your own balance
Stablecoin card*Show source
Card type: Stablecoin card
Funded with USDC loaded in advance; no credit line
Source states (paraphrased): It is a virtual Visa card issued by Rain , funded with USDC, which you load first.
Source: Is Tangem Pay a Credit Card or a Debit Card?
Official announcement (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 80%
Funded with USDC loaded in advance; no credit line
Network
VisaShow source
Network: Visa
Source states (paraphrased): The card program is issued by the Issuer under license from Visa.
Source: ether.fi Cash Cardholder Agreement – Ltd. (International)
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
VisaShow source
Network: Visa
Source: Tangem Pay — The Visa Card for Your Crypto Wallet
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%
Custody model
Self-custody*Show source
Custody model: Self-custody
Account is non-custodial; the card itself is issued by a third-party issuer under separate terms
Source states (paraphrased): Personal account page: fully non-custodial, you retain full ownership and control of your funds; card issued subject to separate issuer terms.
Source: Personal Account
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 70%
Account is non-custodial; the card itself is issued by a third-party issuer under separate terms
Self-custodyShow source
Custody model: Self-custody
Source states (paraphrased): your assets remain in your own self-custodial smart contract throughout
Source: Help center | Partners & Roadmap
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Card issuer / program manager
Third National (issuer under Visa license); program by Ether.Fi Cash Ltd.*Show source
Card issuer / program manager: Third National (issuer under Visa license); program by Ether.Fi Cash Ltd.
International cardholder agreement (Ltd.); US persons are covered by separate US agreements
Source states (paraphrased): The Ether.Fi Card is issued by Third National pursuant to a license from Visa.
Source: ether.fi Cash Cardholder Agreement – Ltd. (International)
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
International cardholder agreement (Ltd.); US persons are covered by separate US agreements
Rain (issuer); Paera LLC (program provider)Show source
Card issuer / program manager: Rain (issuer); Paera LLC (program provider)
Source states (paraphrased): The Tangem Pay card is issued by Rain , a Visa Principal Member
Source: Help center | Partners & Roadmap
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 75%
Tiers / plans
Core · Luxe · Pinnacle · VIPShow source
Tiers / plans: Core · Luxe · Pinnacle · VIP
Source states (paraphrased): Membership level benefits table lists Core, Luxe, Pinnacle and VIP.
Source: Membership level benefits
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%
Basic (free) · Plus ($29.99/month) · Prestige ($999/year, coming soon)*Show source
Tiers / plans: Basic (free) · Plus ($29.99/month) · Prestige ($999/year, coming soon)
Plus free with $4,500 monthly spend or $65,000 in Yield Mode; Prestige coming soon
Source states (paraphrased): Tangem Pay fixes this with its first membership tiers: Basic, Plus, and Prestige .
Source: Tangem Pay Tiers Explained: Basic, Plus, and Prestige
Official announcement (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
Plus free with $4,500 monthly spend or $65,000 in Yield Mode; Prestige coming soon
Fees
Annual fee
Free*Show source
Annual fee: Free
Core membership; Luxe ($199/yr) and Pinnacle ($999/yr) can optionally be bought or earned via Liquid deposits / ETHFI staking
Source states (paraphrased): Core — Free for everyone
Source: https://www.ether.fi/personal/compare
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Core membership; Luxe ($199/yr) and Pinnacle ($999/yr) can optionally be bought or earned via Liquid deposits / ETHFI staking
Monthly fee
Free*Show source
Monthly fee: Free
Core membership
Source states (paraphrased): Core — Free for everyone
Source: https://www.ether.fi/personal/compare
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Core membership
Free*Show source
Monthly fee: Free
Basic tier; Plus $29.99/month
Source: Tangem Pay Tiers Explained: Basic, Plus, and Prestige
Official announcement (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Basic tier; Plus $29.99/month
Physical card fee
$60*Show source
Physical card fee: $60
Core, including shipping; Luxe and higher get 1 free
Source states (paraphrased): Physical card: $60, including shipping
Source: https://www.ether.fi/personal/compare
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Core, including shipping; Luxe and higher get 1 free
Virtual card fee
Free*Show source
Virtual card fee: Free
First virtual card free on Core; $10 in some regions and for further cards
Source states (paraphrased): Virtual cards: 1 free
Source: https://www.ether.fi/personal/compare
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
First virtual card free on Core; $10 in some regions and for further cards
Free*Show source
Virtual card fee: Free
Basic tier
Source states (paraphrased): Free virtual card. No monthly fees.
Source: Tangem Pay — The Visa Card for Your Crypto Wallet
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
Basic tier
Replacement fee
$5*Show source
Replacement fee: $5
Virtual card replacement/additional card $5; plastic: delivery fee only (Basic and Plus); Prestige $0
Source states (paraphrased): Virtual: $5; Plastic: delivery fee only
Source: Tangem Pay Tiers Explained: Basic, Plus, and Prestige
Official announcement (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 75%
Virtual card replacement/additional card $5; plastic: delivery fee only (Basic and Plus); Prestige $0
FX fee
1.5%*Show source
FX fee: 1.5%
Up to; Core tier: ~1% base rate + up to 0.5% membership margin (Luxe up to 0.25%, none for Pinnacle/VIP). EUR purchases 0% (beta)
Source states (paraphrased): Cardholder agreement: 1% base plus up to 50 bps for Core and up to 25 bps for Luxe.
Source: ether.fi Cash Cardholder Agreement – Ltd. (International)
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 75%
Up to; Core tier: ~1% base rate + up to 0.5% membership margin (Luxe up to 0.25%, none for Pinnacle/VIP). EUR purchases 0% (beta)
1.5%*Show source
FX fee: 1.5%
Up to; Tangem pages show 1% and 1.5%
Source: Tangem Pay Tiers Explained: Basic, Plus, and Prestige
Official announcement (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 45%
Up to; Tangem pages show 1% and 1.5%
Top-up fee
$1*Show source
Top-up fee: $1
Bank top-up via ACH (free on Plus); FedWire $11 (comparison table says $10); crypto top-ups incur network fees
Source states (paraphrased): Send USD from your US bank account via ACH ($1 flat fee, free on Plus) or FedWire ($11 flat fee).
Source: Tangem Pay — The Visa Card for Your Crypto Wallet
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 75%
Bank top-up via ACH (free on Plus); FedWire $11 (comparison table says $10); crypto top-ups incur network fees
ATM fee
2%Show source
ATM fee: 2%
Source states (paraphrased): Campaign page lists a 2% ATM fee for all tiers.
Source: The DeFi-Native Crypto Credit Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 50%
4%*Show source
ATM fee: 4%
Basic tier; 2% on Plus
Source: Tangem Pay — The Visa Card for Your Crypto Wallet
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Basic tier; 2% on Plus
Other fees & markups
Polygon gas fee on top-up (paid to the network) · Visa foreign-exchange fee on non-USD purchasesShow source
Other fees & markups: Polygon gas fee on top-up (paid to the network) · Visa foreign-exchange fee on non-USD purchases
Source states (paraphrased): Polygon gas fees apply when topping up the card (paid to the Polygon network, not to Tangem), and Visa foreign-exchange fees apply
Source: Is Tangem Pay a Credit Card or a Debit Card?
Official announcement (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%
Cashback & rewards
Base cashback
3%*Show source
Base cashback: 3%
Core membership, on the first $2,000 of card spend per month
Source states (paraphrased): Core: 3% on the first $2,000 of monthly card spend.
Source: Membership level benefits
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%
Core membership, on the first $2,000 of card spend per month
1%*Show source
Base cashback: 1%
Basic tier; minimum $30 per transaction; monthly cap applies
Source: Cashback Is Here: Your Tangem Pay Spending Now Earns You Back
Official announcement (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%
Basic tier; minimum $30 per transaction; monthly cap applies
Max cashback
4%*Show source
Max cashback: 4%
VIP membership, on the first $50,000 of card spend per month
Source states (paraphrased): VIP: 4% on the first $50,000 of monthly card spend.
Source: Membership level benefits
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 75%
VIP membership, on the first $50,000 of card spend per month
4%*Show source
Max cashback: 4%
Prestige tier ($999/year, coming soon); Plus 2%
Source states (paraphrased): Earn up to 4% cashback
Source: Tangem Pay — The Visa Card for Your Crypto Wallet
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 75%
Prestige tier ($999/year, coming soon); Plus 2%
Cashback paid in
ETHFIShow source
Cashback paid in: ETHFI
Source states (paraphrased): Cashback is converted to ETHFI at the current price.
Source: How does cashback work?
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%
USDCShow source
Cashback paid in: USDC
Source: Cashback Is Here: Your Tangem Pay Spending Now Earns You Back
Official announcement (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Cashback type
Platform tokenShow source
Cashback type: Platform token
Source: How does cashback work?
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
StablecoinShow source
Cashback type: Stablecoin
Source: Cashback Is Here: Your Tangem Pay Spending Now Earns You Back
Official announcement (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Interest on balance
5.35%*Show source
Interest on balance: 5.35%
USD Earn vault (ether.fi Liquid), variable APY, not guaranteed; EUR vault 5.29% APY; DeFi vault risk
Source states (paraphrased): USD Earn 5.35% APY · EUR Earn 5.29% APY · APY is variable and not guaranteed.
Source: https://www.ether.fi/earn
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
USD Earn vault (ether.fi Liquid), variable APY, not guaranteed; EUR vault 5.29% APY; DeFi vault risk
Cashback-eligible spend cap
$2,000/month*Show source
Cashback-eligible spend cap: $2,000/month
Core; Luxe $10,000, Pinnacle/VIP $50,000 per month
Source states (paraphrased): Monthly spend caps per tier: $2,000 / $10,000 / $50,000 / $50,000.
Source: Membership level benefits
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 80%
Core; Luxe $10,000, Pinnacle/VIP $50,000 per month
$10,000/month*Show source
Cashback-eligible spend cap: $10,000/month
Basic tier, per month; Plus $15,000
Source states (paraphrased): That means up to $10,000 in monthly spending is eligible.
Source: Cashback Is Here: Your Tangem Pay Spending Now Earns You Back
Official announcement (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
Basic tier, per month; Plus $15,000
Max cashback per month
$100/month*Show source
Max cashback per month: $100/month
Basic tier; Plus $300, Prestige $1000
Source states (paraphrased): Basic tier users earn 1% back on all eligible purchases, capped at $100 per month.
Source: Tangem Pay — The Visa Card for Your Crypto Wallet
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
Basic tier; Plus $300, Prestige $1000
Cashback conditions
Rates step down progressively with total monthly spend · EUR transactions use lower thresholds and rates · Spend tiers reset at the start of every monthShow source
Cashback conditions: Rates step down progressively with total monthly spend · EUR transactions use lower thresholds and rates · Spend tiers reset at the start of every month
Source states (paraphrased): Cashback rates are applied progressively based on your total spend each calendar month.
Source: How does cashback work?
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 75%
Minimum transaction amount of $30 · Credited in USDC at the end of each billing cycleShow source
Cashback conditions: Minimum transaction amount of $30 · Credited in USDC at the end of each billing cycle
Source states (paraphrased): Cashback requires a minimum transaction amount of $30.
Source: Cashback Is Here: Your Tangem Pay Spending Now Earns You Back
Official announcement (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
Reward expiry / vesting
Converted to ETHFI at settlement, locked for 7 days, then must be claimedShow source
Reward expiry / vesting: Converted to ETHFI at settlement, locked for 7 days, then must be claimed
Source states (paraphrased): Cashback enters a 7-day lock period and must be claimed to reach your balance.
Source: How does cashback work?
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Reward exclusions
ATM withdrawals and cash advances · P2P payments and transfers · Currency exchange services · Tax and government payments · Gift cards, stored-value cards, money orders and cash equivalents · MCC 6011, 6012, 6211, 6513 (rent), 6532, 7995 (gambling)Show source
Reward exclusions: ATM withdrawals and cash advances · P2P payments and transfers · Currency exchange services · Tax and government payments · Gift cards, stored-value cards, money orders and cash equivalents · MCC 6011, 6012, 6211, 6513 (rent), 6532, 7995 (gambling)
Source states (paraphrased): The following transactions are not Qualifying Transactions and do not earn crypto cashback
Source: How does cashback work?
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
In-store purchases (incl. tap-to-pay) at EU and UK merchants · Excluded merchant category codes listed in the cashback termsShow source
Reward exclusions: In-store purchases (incl. tap-to-pay) at EU and UK merchants · Excluded merchant category codes listed in the cashback terms
Source states (paraphrased): cashback does not apply to in-store purchases at EU and UK merchants.
Source: Cashback Is Here: Your Tangem Pay Spending Now Earns You Back
Official announcement (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
Credit & financing
Credit line
Yes*Show source
Credit line: Yes
Borrow Mode
Source states (paraphrased): Borrow Mode purchases borrow against your assets instead of selling them.
Source: Understanding your Cash card: Borrow Mode vs Direct Pay Mode
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%
Borrow Mode
NoShow source
Credit line: No
Source states (paraphrased): USDC goes in first, Visa handles the payment, and no credit line is created.
Source: Is Tangem Pay a Credit Card or a Debit Card?
Official announcement (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Credit type
Crypto-backed creditShow source
Credit type: Crypto-backed credit
Source states (paraphrased): Spending in Borrow Mode is capped at the available LTV of deposited collateral.
Source: How does Collateral and Borrowing work?
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%
NoneShow source
Credit type: None
Source states (paraphrased): USDC goes in first, Visa handles the payment, and no credit line is created.
Source: Is Tangem Pay a Credit Card or a Debit Card?
Official announcement (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%
Collateral assets
USDC · USDT · EURC · frxUSD · weETH · WETH · eBTC · ETHFI · sETHFI · OP · WHYPE · beHYPE · liquidETH · liquidBTC · liquidUSD · liquidReserve · liquidEUR · liquidRWA · QQQx · SPYx · PAXG · TBLLx*Show source
Collateral assets: USDC · USDT · EURC · frxUSD · weETH · WETH · eBTC · ETHFI · sETHFI · OP · WHYPE · beHYPE · liquidETH · liquidBTC · liquidUSD · liquidReserve · liquidEUR · liquidRWA · QQQx · SPYx · PAXG · TBLLx
Aave LendGateway Product LTV list for the Optimism lending market (parameters updated August 27, 2026); eUSD no longer counts as collateral
Source states (paraphrased): Supported assets and their Product LTV
Source: How does Collateral and Borrowing work?
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 80%
Aave LendGateway Product LTV list for the Optimism lending market (parameters updated August 27, 2026); eUSD no longer counts as collateral
Max loan-to-value
81%*Show source
Max loan-to-value: 81%
Aave LendGateway Product LTV for USDC, USDT, EURC, frxUSD; volatile assets lower (weETH/WETH 55%, ETHFI/OP 20%); legacy Cash DebtManager LTV was 90% for stablecoins
Source states (paraphrased): USDC | 81%
Source: How does Collateral and Borrowing work?
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 75%
Aave LendGateway Product LTV for USDC, USDT, EURC, frxUSD; volatile assets lower (weETH/WETH 55%, ETHFI/OP 20%); legacy Cash DebtManager LTV was 90% for stablecoins
Interest notes
Variable APY set by the underlying Aave v4 lending market per asset; accrues immediately and compounds continuouslyShow source
Interest notes: Variable APY set by the underlying Aave v4 lending market per asset; accrues immediately and compounds continuously
Source states (paraphrased): variable APY, set by the underlying lending market for each asset (borrowing runs through Aave v4 markets) - not a fixed rate
Source: Understanding your Cash card: Borrow Mode vs Direct Pay Mode
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
Grace period
None; interest accrues immediately after borrowingShow source
Grace period: None; interest accrues immediately after borrowing
Source states (paraphrased): There is no grace period
Source: Understanding your Cash card: Borrow Mode vs Direct Pay Mode
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
Repayment
Repay all or part of the outstanding balance at any time, without penalty, by means permitted in the Ether.Fi AccountShow source
Repayment: Repay all or part of the outstanding balance at any time, without penalty, by means permitted in the Ether.Fi Account
Source states (paraphrased): you may pay all or any part of your outstanding Account balance, without penalty
Source: ether.fi Cash Cardholder Agreement – Ltd. (International)
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 70%
Liquidation risk
YesShow source
Liquidation risk: Yes
Source states (paraphrased): Help center lists per-asset liquidation thresholds.
Source: How does Collateral and Borrowing work?
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%
Spend own balance directly
YesShow source
Spend own balance directly: Yes
Source states (paraphrased): Direct Pay Mode spends your balance.
Source: Understanding your Cash card: Borrow Mode vs Direct Pay Mode
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 80%
Spend by borrowing against collateral
YesShow source
Spend by borrowing against collateral: Yes
Source states (paraphrased): Borrow Mode borrows against your collateral.
Source: Understanding your Cash card: Borrow Mode vs Direct Pay Mode
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 80%
Availability
Available in
AD, AO, AG, Argentina, Australia, Austria, BS, BH, BD, BB, BZ, BO, Brazil, VG, Bulgaria, Canada, KY, Chile, Colombia, CR, Croatia, Cyprus, Czechia, Denmark, DM, DO, EC, SV, France, Germany, GI, Greece, GG, GT, GY, HN, Hong Kong, Hungary, Iceland, Indonesia, IM, Italy, Japan, JE, Latvia, Liechtenstein, Lithuania, Luxembourg, Malaysia, MV, Malta, Mexico, MC, New Zealand, Nigeria, Norway, OM, PW, PA, PY, Peru, Philippines, Poland, Portugal, PR, Romania, Saudi Arabia, SC, Singapore, Slovakia, Slovenia, South Africa, South Korea, Spain, KN, LC, VC, SR, Sweden, Switzerland, TW, Thailand, TT, TC, United Arab Emirates, United Kingdom, UY, VU, Belgium, Ireland, United States*Show source
Available in: AD, AO, AG, Argentina, Australia, Austria, BS, BH, BD, BB, BZ, BO, Brazil, VG, Bulgaria, Canada, KY, Chile, Colombia, CR, Croatia, Cyprus, Czechia, Denmark, DM, DO, EC, SV, France, Germany, GI, Greece, GG, GT, GY, HN, Hong Kong, Hungary, Iceland, Indonesia, IM, Italy, Japan, JE, Latvia, Liechtenstein, Lithuania, Luxembourg, Malaysia, MV, Malta, Mexico, MC, New Zealand, Nigeria, Norway, OM, PW, PA, PY, Peru, Philippines, Poland, Portugal, PR, Romania, Saudi Arabia, SC, Singapore, Slovakia, Slovenia, South Africa, South Korea, Spain, KN, LC, VC, SR, Sweden, Switzerland, TW, Thailand, TT, TC, United Arab Emirates, United Kingdom, UY, VU, Belgium, Ireland, United States
Subject to KYC; Belgium and Ireland eligible but no physical card delivery; US only in listed states (AL, AK, AR, CA, CO, CT, DC, FL, HI, IL, IN, IA, KS, KY, ME, MA, MI, MN, NE, NH, NJ, NY, NC, OK, PA, SC, TX, UT, VA, WV, WY); unlisted jurisdictions cannot apply for virtual or physical card
Source states (paraphrased): ether.fi Cash is available to eligible Personal and Corporate members in the supported jurisdictions listed below
Source: In which countries is the Cash card available?
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
Subject to KYC; Belgium and Ireland eligible but no physical card delivery; US only in listed states (AL, AK, AR, CA, CO, CT, DC, FL, HI, IL, IN, IA, KS, KY, ME, MA, MI, MN, NE, NH, NJ, NY, NC, OK, PA, SC, TX, UT, VA, WV, WY); unlisted jurisdictions cannot apply for virtual or physical card
United States*Show source
Available in: United States
Not all US states; plus select countries in LATAM, APAC, MEA and Africa (no list published on the page)
Source: Tangem Pay — The Visa Card for Your Crypto Wallet
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 80%
Not all US states; plus select countries in LATAM, APAC, MEA and Africa (no list published on the page)
Account / spend currencies
USDShow source
Account / spend currencies: USD
Source states (paraphrased): The card currency is USD
Source: Tangem Pay — The Visa Card for Your Crypto Wallet
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
Own IBAN / bank details
Yes*Show source
Own IBAN / bank details: Yes
US routing and account number (ACH/FedWire), not an IBAN
Source states (paraphrased): Your Tangem Pay account has its own routing number and account number.
Source: Tangem Pay — The Visa Card for Your Crypto Wallet
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 75%
US routing and account number (ACH/FedWire), not an IBAN
Features
Apple Pay
Yes*Show source
Apple Pay: Yes
Only where Apple Pay is supported
Source states (paraphrased): Help article explains adding the card to Apple Wallet and Google Pay.
Source: How do I add my card to Apple Wallet or Google Pay?
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Only where Apple Pay is supported
YesShow source
Apple Pay: Yes
Source states (paraphrased): add your card to Apple Pay or Google Pay
Source: Tangem Pay — The Visa Card for Your Crypto Wallet
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
Google Pay
YesShow source
Google Pay: Yes
Source states (paraphrased): Help article explains adding the card to Google Pay.
Source: How do I add my card to Apple Wallet or Google Pay?
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
YesShow source
Google Pay: Yes
Source states (paraphrased): add your card to Apple Pay or Google Pay
Source: Tangem Pay — The Visa Card for Your Crypto Wallet
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
Physical card
Yes*Show source
Physical card: Yes
Not shipped to every eligible region
Source states (paraphrased): Available as both a virtual and physical card.
Source: What is ether.fi Cash?
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Not shipped to every eligible region
Yes*Show source
Physical card: Yes
Page elsewhere mentions up to three virtual cards
Source states (paraphrased): you can open up to five virtual and plastic Visa cards
Source: Help center | What is Tangem Pay
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 75%
Page elsewhere mentions up to three virtual cards
Virtual card
YesShow source
Virtual card: Yes
Source states (paraphrased): Available as both a virtual and physical card.
Source: What is ether.fi Cash?
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%
YesShow source
Virtual card: Yes
Source states (paraphrased): You receive a virtual Visa card.
Source: Tangem Pay — The Visa Card for Your Crypto Wallet
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 95%
ATM withdrawals
Yes*Show source
ATM withdrawals: Yes
Not permitted in North Korea, Iran and Myanmar
Source states (paraphrased): You can withdraw cash from ATMs using your ether.fi Cash card
Source: What are the transaction limits and fees for personal Cash credit cards?
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 95%
Not permitted in North Korea, Iran and Myanmar
Yes*Show source
ATM withdrawals: Yes
Contactless ATMs only, via Apple Pay or Google Pay
Source states (paraphrased): You can withdraw cash at any contactless ATM.
Source: Tangem Pay — The Visa Card for Your Crypto Wallet
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
Contactless ATMs only, via Apple Pay or Google Pay
Spend stablecoins
YesShow source
Spend stablecoins: Yes
Source states (paraphrased): This works whether your spending token is USDC or EURC
Source: EUR purchases 0% FX Rate
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
YesShow source
Spend stablecoins: Yes
Source: Tangem Pay — The Visa Card for Your Crypto Wallet
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Airport lounge access
Yes*Show source
Airport lounge access: Yes
Core: 2 free passes to premium lounges; unlimited from Pinnacle
Source states (paraphrased): Airport lounge access: 2 Free passes to premium lounges
Source: https://www.ether.fi/personal/compare
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Core: 2 free passes to premium lounges; unlimited from Pinnacle
No*Show source
Airport lounge access: No
Basic (free) has no free visits (paid); Plus 2 and Prestige 8 free visits/year, marked coming soon. Only Plus and Prestige tiers.
Source states (paraphrased): Enjoy complimentary access to airport lounges worldwide with included Priority Pass/Dragon Pass visits.
Source: Tangem Pay — The Visa Card for Your Crypto Wallet
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Basic (free) has no free visits (paid); Plus 2 and Prestige 8 free visits/year, marked coming soon. Only Plus and Prestige tiers.
Travel / rental car insurance
Yes*Show source
Travel / rental car insurance: Yes
Auto rental coverage, shared across all memberships
Source states (paraphrased): Travel benefits shared across all memberships: Auto rental coverage
Source: https://www.ether.fi/personal/compare
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Auto rental coverage, shared across all memberships
No*Show source
Travel / rental car insurance: No
Auto rental insurance only on Plus and Prestige; Basic is 'Not Insured'.
Source states (paraphrased): Coverage for accidental damage when you pay for your rental car with your card.
Source: Tangem Pay — The Visa Card for Your Crypto Wallet
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Auto rental insurance only on Plus and Prestige; Basic is 'Not Insured'.
Purchase protection
Yes*Show source
Purchase protection: Yes
Purchase and price protection, all memberships
Source states (paraphrased): Purchase and price protection
Source: https://www.ether.fi/personal/compare
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Purchase and price protection, all memberships
No*Show source
Purchase protection: No
Purchase protection and extended warranty only on Plus and Prestige; Basic is 'No'.
Source states (paraphrased): Coverage against theft or accidental damage on eligible purchases.
Source: Tangem Pay — The Visa Card for Your Crypto Wallet
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Purchase protection and extended warranty only on Plus and Prestige; Basic is 'No'.
Spendable assets
USDC · LiquidUSD*Show source
Spendable assets: USDC · LiquidUSD
Direct Pay Mode spend assets; Borrow Mode can use all vault assets as collateral
Source states (paraphrased): from your USDC or LiquidUSD balance
Source: Understanding your Cash card: Borrow Mode vs Direct Pay Mode
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 75%
Direct Pay Mode spend assets; Borrow Mode can use all vault assets as collateral
USDC · USDTShow source
Spendable assets: USDC · USDT
Source states (paraphrased): Send USDC or USDT on Polygon, Base, BNB Smart Chain, or Arbitrum to your Tangem Pay deposit address.
Source: Tangem Pay — The Visa Card for Your Crypto Wallet
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
Blockchains
Ethereum · Polygon · Optimism · Arbitrum · Scroll*Show source
Blockchains: Ethereum · Polygon · Optimism · Arbitrum · Scroll
Definition of Supported Blockchains in the card terms (page spells Arbitrum as 'Arbitrium'); other networks may be added
Source states (paraphrased): "Supported Blockchains" means the Ethereum Blockchain, Polygon Blockchain, Optimism Blockchain, Arbitrium Blockchain, Scroll Blockchain
Source: ether.fi Cash Cardholder Agreement – Ltd. (International)
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 60%
Definition of Supported Blockchains in the card terms (page spells Arbitrum as 'Arbitrium'); other networks may be added
Polygon · Base · BNB Smart Chain · ArbitrumShow source
Blockchains: Polygon · Base · BNB Smart Chain · Arbitrum
Source states (paraphrased): Send USDC or USDT on Polygon, Base, BNB Smart Chain, or Arbitrum to your Tangem Pay deposit address.
Source: Tangem Pay — The Visa Card for Your Crypto Wallet
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
Limits
ATM limit
$25,000*Show source
ATM limit: $25,000
Per rolling 24 hours, same for all tiers; max $5,000 per transaction and 5 withdrawals per 24 hours
Source states (paraphrased): | Core | $5,000 | 5 | $25,000
Source: What are the transaction limits and fees for personal Cash credit cards?
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
Per rolling 24 hours, same for all tiers; max $5,000 per transaction and 5 withdrawals per 24 hours
$250*Show source
ATM limit: $250
Per transaction; up to 3 withdrawals per 24 hours
Source states (paraphrased): Your maximum withdrawal is $250 per transaction.
Source: Tangem Pay — The Visa Card for Your Crypto Wallet
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
Per transaction; up to 3 withdrawals per 24 hours
Spending limit
$10,000*Show source
Spending limit: $10,000
Per day, Basic tier; Plus $50,000, Prestige $100,000
Source states (paraphrased): $10,000 daily spending limit
Source: Tangem Pay — The Visa Card for Your Crypto Wallet
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
Per day, Basic tier; Plus $50,000, Prestige $100,000
Security & custody
Regulation / licences
Ether.Fi states it is not licensed to provide financial services as part of the Card Services*Show source
Regulation / licences: Ether.Fi states it is not licensed to provide financial services as part of the Card Services
Nigeria: card marketed by BANEX Microfinance Bank, licensed by the Central Bank of Nigeria; terms governed by Puerto Rico law
Source states (paraphrased): You acknowledge that Ether.Fi is not licensed to provide any financial services
Source: ether.fi Cash Cardholder Agreement – Ltd. (International)
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 80%
Nigeria: card marketed by BANEX Microfinance Bank, licensed by the Central Bank of Nigeria; terms governed by Puerto Rico law
Deposit protection
No*Show source
Deposit protection: No
Account Balance Protection (Core up to $10K) is not yet live and is not deposit insurance
Source states (paraphrased): This is not deposit insurance
Source: Membership level benefits
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 70%
Account Balance Protection (Core up to $10K) is not yet live and is not deposit insurance
Smart-contract risk
YesShow source
Smart-contract risk: Yes
Source states (paraphrased): qualifying losses caused by unauthorized third-party exploits of ether.fi account smart contracts
Source: Membership level benefits
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 70%
Annual cost at 1,500 EUR/month
ether.fi Cash
- Annual & monthly fees+0 EUR
- FX costs−54 EUR
- Crypto conversion–
- ATM costs−24 EUR
- Cashback+540 EUR
- Net annual value462 EUR
Tangem Pay
- Annual & monthly fees+0 EUR
- FX costs−54 EUR
- Crypto conversion–
- ATM costs−48 EUR
- Cashback+180 EUR
- Net annual value78 EUR
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers