BingCard vs Cypher Card
On the standard spending profile Cypher Card is cheaper: €0 net per year versus €25 for BingCard. On cashback Cypher Card wins (up to 5%, but the full rate requires Nessuno); for spending abroad FX markup matters, and BingCard does better (1% vs 1.75%). The structural difference is custody: Cypher Card leaves you the keys, while BingCard holds funds on the platform. In our editorial rating BingCard leads (3.2 vs 2.0). The choice depends on your real spending profile: redo the math with your volumes before picking between BingCard and Cypher Card.
| BingCard | Cypher Card | |
|---|---|---|
| Tier | C | D |
| Rating | ★ 3.2 | ★ 2.0 |
| Estimated net annual cost | €25 | €0 |
| Network | Mastercard/Visa | Visa |
| Fund custody | Custodial (platform holds funds) | Self-custody (funds in your control) |
| Issuance fee | €23 | Free |
| Annual fee | Free | Free |
| Free ATM limit | $5.000–10.000/giorno | Not disclosed |
| ATM withdrawal | 2.5% | 3% |
| FX markup | 1% | 1.75% |
| Cashback | Not disclosed | 5% in CYPR + USD · Nessuno |
| On-chain settlement | Yes | — |
| Contactless | Yes | Yes |
| Virtual card | Yes | Yes |
| KYC | No KYC | Full |
| Privacy | 6/10 | 7/10 |
| Supported countries | EEA, APAC, LATAM, MENA, AFRICA · 130+ countries | US, EEA, APAC, LATAM, MENA, AFRICA · 160+ countries |
| Regulator | Not disclosed | Not disclosed |
| Segment | B2C | B2C |
| Chains | — | Multiple - 15+ blockchain |
| OAM Italy registration | — | No |
| Regions | EU/EEA, APAC, LATAM, MENA, Africa | US, EU/EEA, APAC, LATAM, MENA, Africa |
| Licences & safety | N/A | N/A |
Frequently asked questions
BingCard vs Cypher Card: which is better?
On the standard spending profile Cypher Card is cheaper: €0 net per year versus €25 for BingCard. On cashback Cypher Card wins (up to 5%, but the full rate requires Nessuno); for spending abroad FX markup matters, and BingCard does better (1% vs 1.75%). The structural difference is custody: Cypher Card leaves you the keys, while BingCard holds funds on the platform. In our editorial rating BingCard leads (3.2 vs 2.0). The choice depends on your real spending profile: redo the math with your volumes before picking between BingCard and Cypher Card.
Which is cheaper, BingCard or Cypher Card?
On the standard spending profile Cypher Card has the lowest net annual cost: €0 versus €25 for BingCard.
Which offers more cashback, BingCard or Cypher Card?
Cypher Card has the highest cashback: up to 5%. Note the top rate often requires token staking and is subject to spending caps.
Is BingCard custodial or self-custody?
BingCard is custodial: funds are held by the platform, while Cypher Card is self-custody.
Which is better for spending abroad?
For foreign-currency spending BingCard wins, with the lowest FX markup: 1%.