1inch Card vs Phantom Cash
On cashback 1inch Card wins (up to 2%, but the full rate requires Nessuno per il cashback base; staking BXX opzionale per benefici extra); for spending abroad FX markup matters, and 1inch Card does better (0% vs 1%). The structural difference is custody: Phantom Cash leaves you the keys, while 1inch Card holds funds on the platform. In our editorial rating Phantom Cash leads (4.6 vs 3.6). In short: 1inch Card if your usage matches its strength, Phantom Cash otherwise — the numbers above beat any slogan.
| 1inch Card | Phantom Cash | |
|---|---|---|
| Tier | B | A |
| Rating | ★ 3.6 | ★ 4.6 |
| Estimated net annual cost | €0 | €0 |
| Network | Mastercard | Visa |
| Fund custody | Custodial (platform holds funds) | Self-custody (funds in your control) |
| Issuance fee | Free | Free |
| Annual fee | Free | Free |
| Free ATM limit | $200/mese free, poi 2% | N/A (solo prepaid) |
| ATM withdrawal | 2% | Free |
| FX markup | 0% | 1% |
| Cashback | 2% in BXX o BTC/USDT · Nessuno per il cashback base; staking BXX opzionale per benefici extra | Not disclosed |
| Chains | Ethereum, Polygon, Arbitrum, Optimism, BNB Chain, Avalanche, Gnosis, Fantom | Solana |
| On-chain settlement | No | Yes |
| Contactless | Yes | Yes |
| Virtual card | Yes | Yes |
| KYC | Full | Light |
| Privacy | 6/10 | 8/10 |
| Supported countries | UK, EEA · 31+ countries | US · 1+ countries |
| Regulator | FCA (UK via Baanx) | Stripe partner bank (OCC/FDIC); FinCEN / state MSB regulators |
| Segment | B2C | B2C |
| OAM Italy registration | — | No |
| Past incidents | — | August 2022: an exploit of ~8,000 Solana wallets (~$8M) caused by the third-party Slope Wallet library, not by Phantom; Phantom urged users to migrate their seed phrases. |
| Regions | UK, EU/EEA | US |
| Licences & safety | Electronic Money Institution (EMI) — carta emessa via Baanx/Monavate, principal Mastercard member | Stripe Issuing / BIN sponsor (partner bank model) |
Frequently asked questions
1inch Card vs Phantom Cash: which is better?
On cashback 1inch Card wins (up to 2%, but the full rate requires Nessuno per il cashback base; staking BXX opzionale per benefici extra); for spending abroad FX markup matters, and 1inch Card does better (0% vs 1%). The structural difference is custody: Phantom Cash leaves you the keys, while 1inch Card holds funds on the platform. In our editorial rating Phantom Cash leads (4.6 vs 3.6). In short: 1inch Card if your usage matches its strength, Phantom Cash otherwise — the numbers above beat any slogan.
Which is cheaper, 1inch Card or Phantom Cash?
On the standard spending profile 1inch Card has the lowest net annual cost: €0 versus €0 for Phantom Cash.
Which offers more cashback, 1inch Card or Phantom Cash?
1inch Card has the highest cashback: up to 2%. Note the top rate often requires token staking and is subject to spending caps.
Is 1inch Card custodial or self-custody?
1inch Card is custodial: funds are held by the platform, while Phantom Cash is self-custody.
Which is better for spending abroad?
For foreign-currency spending 1inch Card wins, with the lowest FX markup: 0%.