Bitnob vs Grey Card
For spending abroad FX markup matters, and Grey Card does better (2% vs 3%). Neither wins across the board: weigh the points above against your use case before choosing between Bitnob and Grey Card.
| Bitnob | Grey Card | |
|---|---|---|
| Tier | B | B |
| Rating | ★ 3.6 | ★ 3.5 |
| Estimated net annual cost | €0 | €0 |
| Account fee | Free | Free |
| IBAN | condiviso | — |
| Multi-currency | Yes · 7 currencies | USD, EUR, GBP |
| Outbound transfers to third-party IBANs | No | — |
| Utility direct billing | No | — |
| SEPA direct debit (SDD) | No | — |
| On-chain crypto withdrawal | Yes | — |
| Interest on balance | 0% | — |
| ATM withdrawal | not declared | Free |
| Fund custody | Custodial (platform holds funds) | Custodial (platform holds funds) |
| KYC | Full | Full |
| Supported countries | AFRICA · 5+ countries | AFRICA, US, EEA, UK, LATAM · 0+ countries |
| Regulator | none | FinCEN (US) / FINTRAC (Canada) |
| OAM Italy registration | No | — |
| Segment | B2C | B2C |
| Network | — | Visa |
| Free ATM limit | — | Nessun prelievo ATM (carta solo virtuale) |
| Regions | Africa | Africa, US, EU/EEA, UK, LATAM |
| Licences & safety | none | FinCEN MSB (US), FINTRAC MSB (Canada) |
Frequently asked questions
Bitnob vs Grey Card: which is better?
For spending abroad FX markup matters, and Grey Card does better (2% vs 3%). Neither wins across the board: weigh the points above against your use case before choosing between Bitnob and Grey Card.
Which is cheaper, Bitnob or Grey Card?
On the standard spending profile Bitnob has the lowest net annual cost: €0 versus €0 for Grey Card.
Is Bitnob custodial or self-custody?
Bitnob is custodial: funds are held by the platform, while Grey Card is custodial.
Which is better for spending abroad?
For foreign-currency spending Grey Card wins, with the lowest FX markup: 2%.