BingCard vs Payy Card
The first number to check is net annual cost: €0 for Payy Card versus €25 for BingCard. The structural difference is custody: Payy Card leaves you the keys, while BingCard holds funds on the platform. In our editorial rating Payy Card leads (4.9 vs 3.2). In short: BingCard if your usage matches its strength, Payy Card otherwise — the numbers above beat any slogan.
| BingCard | Payy Card | |
|---|---|---|
| Tier | C | S |
| Rating | ★ 3.2 | ★ 4.9 |
| 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% | Free |
| FX markup | 1% | 1% |
| Cashback | Not disclosed | Not disclosed |
| On-chain settlement | Yes | Yes |
| Contactless | Yes | Yes |
| Virtual card | Yes | Yes |
| KYC | No KYC | Full |
| Privacy | 6/10 | 9/10 |
| Supported countries | EEA, APAC, LATAM, MENA, AFRICA · 130+ countries | US, EEA, APAC, LATAM · 100+ countries |
| Regulator | Not disclosed | Not disclosed |
| Segment | B2C | B2C |
| Regions | EU/EEA, APAC, LATAM, MENA, Africa | US, EU/EEA, APAC, LATAM |
| Licences & safety | N/A | MSB (presumed) |
Frequently asked questions
BingCard vs Payy Card: which is better?
The first number to check is net annual cost: €0 for Payy Card versus €25 for BingCard. The structural difference is custody: Payy Card leaves you the keys, while BingCard holds funds on the platform. In our editorial rating Payy Card leads (4.9 vs 3.2). In short: BingCard if your usage matches its strength, Payy Card otherwise — the numbers above beat any slogan.
Which is cheaper, BingCard or Payy Card?
On the standard spending profile Payy Card has the lowest net annual cost: €0 versus €25 for BingCard.
Is BingCard custodial or self-custody?
BingCard is custodial: funds are held by the platform, while Payy Card is self-custody.