Payy Card vs Laso Finance
For spending abroad FX markup matters, and Laso Finance does better (0% vs 1%). The structural difference is custody: Payy Card leaves you the keys, while Laso Finance holds funds on the platform. In our editorial rating Payy Card leads (4.9 vs 3.3). In short: Payy Card if your usage matches its strength, Laso Finance otherwise — the numbers above beat any slogan.
| Payy Card | Laso Finance | |
|---|---|---|
| Tier | S | C |
| Rating | ★ 4.9 | ★ 3.3 |
| Estimated net annual cost | €0 | €0 |
| Network | Visa | Visa |
| Fund custody | Self-custody (funds in your control) | Custodial (platform holds funds) |
| Issuance fee | Free | Free |
| Annual fee | Free | Free |
| Free ATM limit | Not disclosed | Not disclosed |
| ATM withdrawal | Free | Free |
| FX markup | 1% | 0% |
| Cashback | Not disclosed | Not disclosed |
| On-chain settlement | Yes | Yes |
| Contactless | Yes | Yes |
| Virtual card | Yes | Yes |
| KYC | Full | Light |
| Privacy | 9/10 | 7/10 |
| Supported countries | US, EEA, APAC, LATAM · 100+ countries | EEA, APAC, LATAM, MENA, US · 100+ countries |
| Regulator | Not disclosed | FinCEN |
| Segment | B2C | B2C |
| OAM Italy registration | — | No |
| Regions | US, EU/EEA, APAC, LATAM | EU/EEA, APAC, LATAM, MENA, US |
| Licences & safety | MSB (presumed) | MSB |
Frequently asked questions
Payy Card vs Laso Finance: which is better?
For spending abroad FX markup matters, and Laso Finance does better (0% vs 1%). The structural difference is custody: Payy Card leaves you the keys, while Laso Finance holds funds on the platform. In our editorial rating Payy Card leads (4.9 vs 3.3). In short: Payy Card if your usage matches its strength, Laso Finance otherwise — the numbers above beat any slogan.
Which is cheaper, Payy Card or Laso Finance?
On the standard spending profile Payy Card has the lowest net annual cost: €0 versus €0 for Laso Finance.
Is Payy Card custodial or self-custody?
Payy Card is self-custody: you keep the keys, while Laso Finance is custodial.
Which is better for spending abroad?
For foreign-currency spending Laso Finance wins, with the lowest FX markup: 0%.