Payy Card vs Cypher Card
On the standard spending profile, Payy Card has the lowest net annual cost (€0). Cypher Card offers the highest cashback (5%). Pick Payy Card if you prioritise simplicity and exchange integration; consider Cypher Card if you prefer self-custody.
| Payy Card | Cypher Card | |
|---|---|---|
| Tier | S | C |
| Rating | ★ 4.9 | ★ 3.5 |
| FX markup | 0% | 1.75% |
| Cashback | 0% | 5% |
| Annual fee | Free | Free |
| Estimated net annual cost | €0 | €0 |
| Custodial | Custodial | Self-custody |
| Network | Visa | Visa |
| Regions | US, EU/EEA, APAC, LATAM | US, EU/EEA, APAC, LATAM, MENA, Africa |
| Licences & safety | MSB (presumed) | N/A |
Frequently asked questions
Payy Card vs Cypher Card: which is better?
On the standard spending profile, Payy Card has the lowest net annual cost (€0). Cypher Card offers the highest cashback (5%). Pick Payy Card if you prioritise simplicity and exchange integration; consider Cypher Card if you prefer self-custody.
Which is cheaper, Payy Card or Cypher Card?
On the standard spending profile Payy Card has the lowest net annual cost: €0 versus €0 for Cypher Card.
Which offers more cashback, Payy Card or Cypher Card?
Cypher Card has the highest cashback: up to 5%. Note the top rate often requires token staking and is subject to spending caps.
Is Payy Card custodial or self-custody?
Payy Card is custodial: funds are held by the platform, while Cypher Card is self-custody.
Which is better for spending abroad?
For foreign-currency spending Payy Card wins, with the lowest FX markup: 0%.