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Card	Issuance	Monthly / annual	Spending feesConversion + FX	RewardsRate / cap / eligibility	EligibilityResidence & identity	Apple Pay	Google Pay	ATM withdrawals	Funding fees	Card format	Payment assets	Spending / ATM limits	Who holds funds	Apply / activate	Refunds / repayment	Usage limits
ether.fi CashCore international virtual Apply now May earn commission Card 1	First card $0 / $10 Regional quote; extra cards $10. Check before ordering. ether.fi Cash · Core international virtual Issuance First virtual card $0 or $10 by region The newer first-card fee FAQ lists AR, AO, BD, BO, CO, EC, ID, MY, MX, NG, PE, PH, ZA and TH at $10; the first card is normally free elsewhere. Additional cards after the allowance cost $10. An older limits page also lists HK, GB and SG as charged: check the regional Add Card quote before ordering. No physical card included.	No monthly / annual fee Interest and transaction fees separate. ether.fi Cash · Core international virtual Monthly / annual Core has no membership monthly or annual fee Core does not require a paid upgrade or asset threshold. Issuance, funding and FX costs are separate; borrowing interest is not covered by free membership.	No USD/EUR markup EUR beta; others ~1% + 0–0.5%, DCC separate. ether.fi Cash · Core international virtual Spending fees No FX markup for USD/EUR spend; other currencies about 1% + 0–0.5% Other currencies use Visa settlement rates with about 1% base FX cost plus 0–0.5% Core markup. Zero EUR markup is a beta rule for merchant charges actually denominated in EUR, whether funded by USDC or EURC; market currency conversion still applies. Merchant dynamic currency conversion (DCC) can add charges outside this exemption.	Up to 3% ETHFI First $2k/month standard or $800 equivalent EUR; 7-day lock, $5 claim. ether.fi Cash · Core international virtual Rewards Up to 3%, paid in ETHFI tokens Progressive calendar-month tiers: standard spend earns 3% on the first $2,000, 1% on the next $1,000 and 0.5% above $3,000. EUR spend uses USD-equivalent thresholds: 3% on the first $800, 1% from $800 to $1,500 and 0.1% above $1,500. USD and EUR share one monthly counter, not separate allowances. Rewards convert to ETHFI at clearing, lock for 7 days and require a manual claim of at least $5; token value fluctuates. ATM, transfers, taxes, gift cards, financial funding, rent, gambling and other excluded transactions earn no rewards; refunds reverse rewards.	Applications open · identity checks required Officially supported Cash jurisdiction; citizenship, identity and compliance conditions still apply. ether.fi Cash · Core international virtual Eligibility Applications open · identity checks required Officially supported Cash jurisdiction; citizenship, identity and compliance conditions still apply.	Yes Apple Pay supported Region, device and wallet verification apply. ether.fi Cash · Core international virtual Apple Pay Apple Pay supported Add card details in the device wallet and complete verification; a supported region, device and active card are required.	Yes Google Pay supported Region, device and wallet verification apply. ether.fi Cash · Core international virtual Google Pay Google Pay supported Add card details in the device wallet and complete verification; a supported region, device and active card are required.	No Separate physical card needed Physical ATM access not included. ether.fi Cash · Core international virtual ATM withdrawals ATM access requires a separate physical card This virtual-card entry does not include physical-card cash access. Official guidance lists ATM use as a physical-card feature, with separate issuance and withdrawal terms.	Onchain costs; bank route fees ACH $0.50 + 0.1%; expand for other routes. ether.fi Cash · Core international virtual Funding fees Onchain network costs apply; bank funding is route-priced Check the supported asset, network, address and transaction quote; network, protocol or bridge costs are not assumed free. Where available: USD ACH $0.50 + 0.10%; USD Wire/SWIFT $20 + 0.10%; EUR SEPA to USDC €0.90 + 0.15%, or to EURC €0.90. Other fiat routes, minimums and availability are shown in the deposit flow; route prices are not interchangeable.	Virtual Visa Physical card ordered separately. ether.fi Cash · Core international virtual Card format Visa Signature virtual credit card For online payments and supported mobile wallets. A Core physical plastic card is a separate purchase; membership tier and card form are distinct.	USDC / USDT / EURC and more Set eligible asset priority; regional restrictions apply. ether.fi Cash · Core international virtual Payment assets Direct Pay can use USDC, USDT, EURC and other supported account assets Choose eligible assets and order at Portfolio → Set Spend Priority. Guidance also lists liquidUSD, liquidEUR, liquidReserve and frxUSD, but availability is regional. Liquid is unavailable to US/UK residents or citizens; Liquid Reserve belongs to a specific US program. Use only assets and deposit networks permitted for the account; insufficient balance does not guarantee a successful payment from another asset.	Default $5,000/day Account default $10k/day and month; adjustable, balance/collateral apply. ether.fi Cash · Core international virtual Spending / ATM limits Default card daily limit $5,000; account daily/monthly limits $10,000 each These are adjustable defaults, not guaranteed maximum credit. Card and account limits both apply and the first reached blocks spend. Review or change them in Cash card Spending limits and Vault → Settings; changes may have a security delay. Direct Pay also depends on available balance; Borrow Mode depends on collateral ratios, protocol and account conditions.	Personal onchain account Spending permissions; borrowing liquidation risk. ether.fi Cash · Core international virtual Who holds funds Assets stay in a personal onchain account with spending permissions Cash connects a non-custodial wallet and Direct Pay uses available assets. Borrow Mode collateral can be liquidated as prices fall or interest accrues. Third National issues the Visa card but does not provide the protocol loan; onchain assets are not insured bank deposits.	Signup → Add Card → Virtual After verification, check the regional quote. ether.fi Cash · Core international virtual Apply / activate Sign up with ether.fi → Cash / Cards → Add Card → Virtual Confirm residence eligibility and complete verification, then review the Core first-virtual-card quote in Add Card before confirming. Obtain the card details, select a spending mode, fund the account and set limits; optionally add a mobile wallet. A physical order is not required.	Balance spend / secured borrowing Immediate loan interest; USDC refunds do not repay debt. ether.fi Cash · Core international virtual Refunds / repayment Direct Pay spends the balance; Borrow Mode accrues variable interest Borrowing accrues compound interest immediately with no interest-free grace period; check the live account APY before borrowing. Repay voluntarily; no scheduled monthly minimum does not remove collateral requirements. Refunds usually take 3–7 business days and may take 30, return as USDC and reverse rewards. A Borrow Mode refund does not automatically repay debt: repay manually or interest continues.	Borrowing is not an interest-free credit line ether.fi Cash · Core international virtual Usage limits Borrowing is not an interest-free credit line Falling collateral value or accrued interest can reduce available credit and trigger liquidation; Direct Pay is available without borrowing.
Krak CardEEA physical App application guide Card 2	First plastic card free Replacement €4.99 Krak Card · EEA physical Issuance Initial plastic card issuance is free Replacement €4.99; excludes the separately qualified metal edition.	No annual / monthly fee Conversion spread / funding extra Krak Card · EEA physical Monthly / annual No annual or monthly fee Asset conversion, some funding routes and ATM-operator fees remain payable.	No extra FX fee; spread applies Variable cross-asset spread Krak Card · EEA physical Spending fees No added FX fee; Mastercard exchange rate applies Cross-asset spending includes a variable spread; settlement uses the card base currency, even when holding merchant currency.	0%–2% by asset tier 30-day avg. €200: 0.5% €50,000: 2%; fiat/BTC Krak Card · EEA physical Rewards 0%–2% by 30-day average assets; 2% requires €50,000 Combined Krak/Kraken/Kraken Pro assets: below €200 earns 0%; 200/1,000/10,000/50,000 unlock 0.5%/1%/1.5%/2%. Settlement-time tier applies, paid in EUR or BTC, currently uncapped monthly. ATM, refunds and purchases below €0.49 excluded. New-user 30-day 2% requires promotional eligibility.	Applications open · identity checks required Qualifying residents of this regional program, subject to account and card approval. Krak Card · EEA physical Eligibility Applications open · identity checks required Qualifying residents of this regional program, subject to account and card approval.	Yes Supported Krak Card · EEA physical Apple Pay Apple Pay supported Requires a supported device/wallet market and successful card enrollment.	Yes Supported Krak Card · EEA physical Google Pay Google Pay supported Requires a supported device/wallet market and successful card enrollment.	Yes： No Krak ATM fee Operator fees & conversion spread extra; monthly €4,800 Krak Card · EEA physical ATM withdrawals No Krak ATM withdrawal fee Operator charges and cross-asset spread may apply. Maximum €300/withdrawal, €900/day and €4,800/month, subject to available balance.	0 crypto deposit fee; local bank transfer free Gas extra; bank-card funding €0.25 + 3.75% Krak Card · EEA physical Funding fees No platform deposit fee for crypto or internal Krak/Kraken transfers Sender network fees remain. Debit-card or Apple/Google Pay funding costs €0.25 + 3.75%; local bank transfer is free, PayPal/SWIFT varies.	Mastercard debit + virtual card Krak Card · EEA physical Card format Plastic Mastercard debit card with a virtual companion No credit borrowing; activate the delivered physical card for in-person and ATM use.	Fund Everyday · choose spend coin Fiat and crypto split; verify network Krak Card · EEA physical Payment assets Fund Everyday first, then choose assets in Spend Order Transfer from Kraken or use Krak Add money. Supported fiat/crypto can fund a purchase together; assets marked Unavailable cannot be spent. Match token and network for on-chain funding.	Spend €12k/day · €12k/month Max €6k/tx; ATM €300/tx, €900/day Krak Card · EEA physical Spending / ATM limits Spend €6,000/purchase, €12,000/day, €12,000/month ATM €300/withdrawal, €900/day, €4,800/month. Card → Card Settings → Limits shows personal and remaining limits.	Spend Krak Everyday balance Platform-managed; not bank deposits, no deposit protection Krak Card · EEA physical Who holds funds Spends platform-held Krak Everyday balances Trading/staked assets must first be transferred in. E-money is not a bank deposit: no UK FSCS or EEA deposit-guarantee protection.	KYC → virtual card → order physical Unified login; activate physical in app Krak Card · EEA physical Apply / activate Verify identity → set up virtual card → order physical → shipping address → activate Krak/Kraken share login; manage cards in Krak Card. After initial setup select a physical card and confirm name/address. This is plastic, not the separately qualified metal edition.	EUR settlement · refunds credited in EUR Refunds not repurchased; freeze in app for disputes Krak Card · EEA physical Refunds / repayment Settles in EUR; refunds return EUR to Everyday Refunds do not automatically repurchase crypto. Merchant preauthorizations may reserve extra funds. Freeze in Card; dispute through transaction details → Get help with this transaction, contacting the merchant first for goods/services issues.	No additional terms listed Krak Card · EEA physical Usage limits No additional terms listed

Monthly spend · USD equivalent Merchant charge currency Estimate period

Issuance, ongoing and purchase fees only; rewards not deducted. Estimate scope

Issuance, ongoing and spending fees, and their subtotal for each card, in USD
Card	Three-fee subtotalUSD · First year	Spending / year	Ongoing / year	Issuance	Assumptions
ether.fi CashCore international virtual	—Issuance quote unconfirmed	$0	$0	—	Full fee terms ether.fi Cash · Core international virtual Core, existing USDC and Direct Pay. First-card fees depend on the regional quote; EUR beta terms are not projected for a full year. help.ether.fi · 2026-09-28 help.ether.fi · 2026-09-28 help.ether.fi · 2026-09-28 Full fee terms →
Krak CardEEA physical	—Spending rate not estimable	—	—	—	Full fee terms Krak Card · EEA physical Spending fees depend on region, payment assets or transaction conditions; no single rate is used. Full fee terms →

Assumes a funded balance and current regular rates over 12 months. Excludes funding/network costs, ATM, exchange-rate differences, merchant surcharges and special-transaction fees. Temporary offers are not projected for a full year. “—” means unconfirmed or unsuitable for projection, not free. Ranges retain rate differences. No first-year subtotal where the regional issuance price is unclear. This is not a best-price ranking.