OpenSky Secured Visa vs Extra Debit Card
Bottom line, net annual cost favours OpenSky Secured Visa (€35), while Extra Debit Card comes to €149. On cashback OpenSky Secured Visa wins (up to 10%, but the full rate requires Nessuno); for spending abroad FX markup matters, and Extra Debit Card does better (0% vs 3%). Neither wins across the board: weigh the points above against your use case before choosing between OpenSky Secured Visa and Extra Debit Card.
| OpenSky Secured Visa | Extra Debit Card | |
|---|---|---|
| Tier | A | B |
| Rating | ★ 4.3 | ★ 3.9 |
| Estimated net annual cost | €35 | €149 |
| Network | Visa | Mastercard |
| Card type | Credit card | Credit card |
| APR | 23.89% | 0% |
| Issuance fee | €32 | Free |
| Annual fee | Free | €240/year |
| Free ATM limit | Not disclosed | N/A (no ATM withdrawals) |
| ATM withdrawal | 5% | Free |
| FX markup | 3% | 0% |
| Cashback | 10% in USD · Nessuno | 1% · Nessuno |
| On-chain settlement | No | No |
| Contactless | Yes | Yes |
| Virtual card | Yes | Yes |
| KYC | Full | Full |
| Privacy | 5/10 | 5/10 |
| Supported countries | US · 1+ countries | US · 1+ countries |
| Regulator | FDIC / OCC | FDIC |
| OAM Italy registration | No | No |
| Segment | B2C | B2C |
| Regions | US | US |
| Licences & safety | National bank charter | Partner bank charter |
Frequently asked questions
OpenSky Secured Visa vs Extra Debit Card: which is better?
Bottom line, net annual cost favours OpenSky Secured Visa (€35), while Extra Debit Card comes to €149. On cashback OpenSky Secured Visa wins (up to 10%, but the full rate requires Nessuno); for spending abroad FX markup matters, and Extra Debit Card does better (0% vs 3%). Neither wins across the board: weigh the points above against your use case before choosing between OpenSky Secured Visa and Extra Debit Card.
Which is cheaper, OpenSky Secured Visa or Extra Debit Card?
On the standard spending profile OpenSky Secured Visa has the lowest net annual cost: €35 versus €149 for Extra Debit Card.
Which offers more cashback, OpenSky Secured Visa or Extra Debit Card?
OpenSky Secured Visa has the highest cashback: up to 10%. Note the top rate often requires token staking and is subject to spending caps.
Is OpenSky Secured Visa custodial or self-custody?
OpenSky Secured Visa is custodial: funds are held by the platform, while Extra Debit Card is custodial.
Which is better for spending abroad?
For foreign-currency spending Extra Debit Card wins, with the lowest FX markup: 0%.