OpenSky Secured Visa vs Kikoff
Bottom line, net annual cost favours OpenSky Secured Visa (€35), while Kikoff comes to €60. On cashback OpenSky Secured Visa wins (up to 10%, but the full rate requires Nessuno); for spending abroad FX markup matters, and Kikoff 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 Kikoff.
| OpenSky Secured Visa | Kikoff | |
|---|---|---|
| Tier | A | B |
| Rating | ★ 4.3 | ★ 4.0 |
| Estimated net annual cost | €35 | €60 |
| Network | Visa | Visa (Premium/Ultimate) |
| Card type | Credit card | Credit card |
| APR | 23.89% | 0% |
| Issuance fee | €32 | Free |
| Annual fee | Free | €60/year |
| Free ATM limit | Not disclosed | Not disclosed |
| ATM withdrawal | 5% | Free |
| FX markup | 3% | 0% |
| Cashback | 10% in USD · Nessuno | Not disclosed |
| 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 Kikoff: which is better?
Bottom line, net annual cost favours OpenSky Secured Visa (€35), while Kikoff comes to €60. On cashback OpenSky Secured Visa wins (up to 10%, but the full rate requires Nessuno); for spending abroad FX markup matters, and Kikoff 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 Kikoff.
Which is cheaper, OpenSky Secured Visa or Kikoff?
On the standard spending profile OpenSky Secured Visa has the lowest net annual cost: €35 versus €60 for Kikoff.
Which offers more cashback, OpenSky Secured Visa or Kikoff?
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 Kikoff is custodial.
Which is better for spending abroad?
For foreign-currency spending Kikoff wins, with the lowest FX markup: 0%.