Payy Card vs Oobit
On cashback Oobit wins (up to 10%, but the full rate requires Nessuno); for spending abroad FX markup matters, and Payy Card does better (1% vs 3%). In our editorial rating Payy Card leads (4.9 vs 4.0). The choice depends on your real spending profile: redo the math with your volumes before picking between Payy Card and Oobit.
| Payy Card | Oobit | |
|---|---|---|
| Tier | S | B |
| Rating | ★ 4.9 | ★ 4.0 |
| Estimated net annual cost | €0 | €0 |
| Network | Visa | Visa |
| Fund custody | Self-custody (funds in your control) | Self-custody (funds in your control) |
| Issuance fee | Free | Free |
| Annual fee | Free | Free |
| Free ATM limit | Not disclosed | N/A (virtual only) |
| ATM withdrawal | Free | 1% |
| FX markup | 1% | 3% |
| Cashback | Not disclosed | 10% in USDT (stablecoin) o OOB · Nessuno |
| On-chain settlement | Yes | — |
| Contactless | Yes | Yes |
| Virtual card | Yes | Yes |
| KYC | Full | Full |
| Privacy | 9/10 | 8/10 |
| Supported countries | US, EEA, APAC, LATAM · 100+ countries | EEA, APAC, MENA, LATAM, US · 150+ countries |
| Regulator | Not disclosed | Estonian FIU |
| Segment | B2C | B2C |
| Regions | US, EU/EEA, APAC, LATAM | EU/EEA, APAC, MENA, LATAM, US |
| Licences & safety | MSB (presumed) | FIU registration (Estonia) |
Frequently asked questions
Payy Card vs Oobit: which is better?
On cashback Oobit wins (up to 10%, but the full rate requires Nessuno); for spending abroad FX markup matters, and Payy Card does better (1% vs 3%). In our editorial rating Payy Card leads (4.9 vs 4.0). The choice depends on your real spending profile: redo the math with your volumes before picking between Payy Card and Oobit.
Which is cheaper, Payy Card or Oobit?
On the standard spending profile Payy Card has the lowest net annual cost: €0 versus €0 for Oobit.
Which offers more cashback, Payy Card or Oobit?
Oobit has the highest cashback: up to 10%. Note the top rate often requires token staking and is subject to spending caps.
Is Payy Card custodial or self-custody?
Payy Card is self-custody: you keep the keys, while Oobit is self-custody.
Which is better for spending abroad?
For foreign-currency spending Payy Card wins, with the lowest FX markup: 1%.