StellarFi vs OpenSky Secured Visa
On the standard spending profile StellarFi is cheaper: €0 net per year versus €35 for OpenSky Secured Visa. On cashback OpenSky Secured Visa wins (up to 10%, but the full rate requires Nessuno); for spending abroad FX markup matters, and StellarFi does better (0% vs 3%). In our editorial rating OpenSky Secured Visa leads (4.3 vs 3.2). The choice depends on your real spending profile: redo the math with your volumes before picking between StellarFi and OpenSky Secured Visa.
| StellarFi | OpenSky Secured Visa | |
|---|---|---|
| Tier | C | A |
| Rating | ★ 3.2 | ★ 4.3 |
| Estimated net annual cost | €0 | €35 |
| Network | Virtual Visa | Visa |
| Card type | Credit card | Credit card |
| APR | 0% | 23.89% |
| Issuance fee | Free | €32 |
| Annual fee | €60/year | Free |
| ATM withdrawal | not declared | 5% |
| FX markup | 0% | 3% |
| Cashback | Not disclosed | 10% in USD · Nessuno |
| Contactless | Yes | Yes |
| Virtual card | Yes | Yes |
| KYC | Full | Full |
| Privacy | 5/10 | 5/10 |
| Supported countries | US · 1+ countries | US · 1+ countries |
| Regulator | Not disclosed | FDIC / OCC |
| Segment | B2C | B2C |
| Free ATM limit | — | Not disclosed |
| On-chain settlement | — | No |
| OAM Italy registration | — | No |
| Regions | US | US |
| Licences & safety | N/A | National bank charter |
Frequently asked questions
StellarFi vs OpenSky Secured Visa: which is better?
On the standard spending profile StellarFi is cheaper: €0 net per year versus €35 for OpenSky Secured Visa. On cashback OpenSky Secured Visa wins (up to 10%, but the full rate requires Nessuno); for spending abroad FX markup matters, and StellarFi does better (0% vs 3%). In our editorial rating OpenSky Secured Visa leads (4.3 vs 3.2). The choice depends on your real spending profile: redo the math with your volumes before picking between StellarFi and OpenSky Secured Visa.
Which is cheaper, StellarFi or OpenSky Secured Visa?
On the standard spending profile StellarFi has the lowest net annual cost: €0 versus €35 for OpenSky Secured Visa.
Which offers more cashback, StellarFi or OpenSky Secured Visa?
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 StellarFi custodial or self-custody?
StellarFi is custodial: funds are held by the platform, while OpenSky Secured Visa is custodial.
Which is better for spending abroad?
For foreign-currency spending StellarFi wins, with the lowest FX markup: 0%.