Payy Card vs Leading Card
For spending abroad FX markup matters, and Leading Card does better (0% vs 1%). The structural difference is custody: Payy Card leaves you the keys, while Leading Card holds funds on the platform. In our editorial rating Payy Card leads (4.9 vs 3.3). The choice depends on your real spending profile: redo the math with your volumes before picking between Payy Card and Leading Card.
| Payy Card | Leading Card | |
|---|---|---|
| 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 | No |
| Contactless | Yes | Yes |
| Virtual card | Yes | Yes |
| KYC | Full | No KYC |
| Privacy | 9/10 | 7/10 |
| Supported countries | US, EEA, APAC, LATAM · 100+ countries | EEA, APAC, LATAM · 100+ countries |
| Regulator | Not disclosed | Not disclosed |
| Segment | B2C | B2C |
| OAM Italy registration | — | No |
| Regions | US, EU/EEA, APAC, LATAM | EU/EEA, APAC, LATAM |
| Licences & safety | MSB (presumed) | N/A |
Frequently asked questions
Payy Card vs Leading Card: which is better?
For spending abroad FX markup matters, and Leading Card does better (0% vs 1%). The structural difference is custody: Payy Card leaves you the keys, while Leading Card holds funds on the platform. In our editorial rating Payy Card leads (4.9 vs 3.3). The choice depends on your real spending profile: redo the math with your volumes before picking between Payy Card and Leading Card.
Which is cheaper, Payy Card or Leading Card?
On the standard spending profile Payy Card has the lowest net annual cost: €0 versus €0 for Leading Card.
Is Payy Card custodial or self-custody?
Payy Card is self-custody: you keep the keys, while Leading Card is custodial.
Which is better for spending abroad?
For foreign-currency spending Leading Card wins, with the lowest FX markup: 0%.