Oobit vs Cypher Card
On cashback Oobit wins (up to 10%, but the full rate requires Nessuno); for spending abroad FX markup matters, and Cypher Card does better (1.75% vs 3%). In our editorial rating Oobit leads (4.0 vs 2.0). The choice depends on your real spending profile: redo the math with your volumes before picking between Oobit and Cypher Card.
| Oobit | Cypher Card | |
|---|---|---|
| Tier | B | D |
| Rating | ★ 4.0 | ★ 2.0 |
| Estimated net annual cost | €0 | €0 |
| Network | Visa | Visa |
| Fund custody | Self-custody (funds in your control) | Self-custody (funds in your control) |
| Issuance fee | Free | Free |
| Annual fee | Free | Free |
| Free ATM limit | N/A (virtual only) | Not disclosed |
| ATM withdrawal | 1% | 3% |
| FX markup | 3% | 1.75% |
| Cashback | 10% in USDT (stablecoin) o OOB · Nessuno | 5% in CYPR + USD · Nessuno |
| Contactless | Yes | Yes |
| Virtual card | Yes | Yes |
| KYC | Full | Full |
| Privacy | 8/10 | 7/10 |
| Supported countries | EEA, APAC, MENA, LATAM, US · 150+ countries | US, EEA, APAC, LATAM, MENA, AFRICA · 160+ countries |
| Regulator | Estonian FIU | Not disclosed |
| Segment | B2C | B2C |
| Chains | — | Multiple - 15+ blockchain |
| OAM Italy registration | — | No |
| Regions | EU/EEA, APAC, MENA, LATAM, US | US, EU/EEA, APAC, LATAM, MENA, Africa |
| Licences & safety | FIU registration (Estonia) | N/A |
Frequently asked questions
Oobit vs Cypher Card: which is better?
On cashback Oobit wins (up to 10%, but the full rate requires Nessuno); for spending abroad FX markup matters, and Cypher Card does better (1.75% vs 3%). In our editorial rating Oobit leads (4.0 vs 2.0). The choice depends on your real spending profile: redo the math with your volumes before picking between Oobit and Cypher Card.
Which is cheaper, Oobit or Cypher Card?
On the standard spending profile Oobit has the lowest net annual cost: €0 versus €0 for Cypher Card.
Which offers more cashback, Oobit or Cypher Card?
Oobit has the highest cashback: up to 10%. Note the top rate often requires token staking and is subject to spending caps.
Is Oobit custodial or self-custody?
Oobit is self-custody: you keep the keys, while Cypher Card is self-custody.
Which is better for spending abroad?
For foreign-currency spending Cypher Card wins, with the lowest FX markup: 1.75%.