Bitnob vs Yellow Card
For spending abroad FX markup matters, and Yellow Card does better (0.5% vs 3%). Neither wins across the board: weigh the points above against your use case before choosing between Bitnob and Yellow Card.
| Bitnob | Yellow Card | |
|---|---|---|
| Tier | B | B |
| Rating | ★ 3.6 | ★ 3.6 |
| Estimated net annual cost | €0 | €0 |
| Account fee | Free | Free |
| IBAN | condiviso | condiviso |
| Multi-currency | Yes · 7 currencies | Yes · 17 currencies |
| Outbound transfers to third-party IBANs | No | No |
| Utility direct billing | No | No |
| SEPA direct debit (SDD) | No | No |
| On-chain crypto withdrawal | Yes | Yes |
| Interest on balance | 0% | 0% |
| ATM withdrawal | not declared | not declared |
| Fund custody | Custodial (platform holds funds) | Custodial (platform holds funds) |
| KYC | Full | Full |
| Supported countries | AFRICA · 5+ countries | AFRICA, LATAM, APAC · 34+ countries |
| Regulator | none | NBFIRA / FSCA / FinCEN |
| OAM Italy registration | No | No |
| Segment | B2C | B2B |
| SEPA transfer | — | Free |
| Regions | Africa | Africa, LATAM, APAC |
| Licences & safety | none | VASP + MSB |
Frequently asked questions
Bitnob vs Yellow Card: which is better?
For spending abroad FX markup matters, and Yellow Card does better (0.5% vs 3%). Neither wins across the board: weigh the points above against your use case before choosing between Bitnob and Yellow Card.
Which is cheaper, Bitnob or Yellow Card?
On the standard spending profile Bitnob has the lowest net annual cost: €0 versus €0 for Yellow Card.
Is Bitnob custodial or self-custody?
Bitnob is custodial: funds are held by the platform, while Yellow Card is custodial.
Which is better for spending abroad?
For foreign-currency spending Yellow Card wins, with the lowest FX markup: 0.5%.