VALR vs Yellow Card
For spending abroad FX markup matters, and VALR does better (0% vs 0.5%). In short: VALR if your usage matches its strength, Yellow Card otherwise — the numbers above beat any slogan.
| VALR | Yellow Card | |
|---|---|---|
| Tier | B | B |
| Rating | ★ 3.8 | ★ 3.6 |
| Estimated net annual cost | €0 | €0 |
| Account fee | Free | Free |
| IBAN | condiviso | condiviso |
| Multi-currency | Yes · 3 currencies | Yes · 17 currencies |
| Outbound transfers to third-party IBANs | Yes | No |
| Utility direct billing | No | No |
| SEPA direct debit (SDD) | No | No |
| On-chain crypto withdrawal | Yes | Yes |
| ATM withdrawal | not declared | not declared |
| Fund custody | Custodial (platform holds funds) | Custodial (platform holds funds) |
| KYC | Full | Full |
| Supported countries | AFRICA · 1+ countries | AFRICA, LATAM, APAC · 34+ countries |
| Regulator | FSCA / PASA | NBFIRA / FSCA / FinCEN |
| OAM Italy registration | No | No |
| SEPA transfer | — | Free |
| Interest on balance | — | 0% |
| Segment | — | B2B |
| Regions | Africa | Africa, LATAM, APAC |
| Licences & safety | VASP + CASP | VASP + MSB |
Frequently asked questions
VALR vs Yellow Card: which is better?
For spending abroad FX markup matters, and VALR does better (0% vs 0.5%). In short: VALR if your usage matches its strength, Yellow Card otherwise — the numbers above beat any slogan.
Which is cheaper, VALR or Yellow Card?
On the standard spending profile VALR has the lowest net annual cost: €0 versus €0 for Yellow Card.
Is VALR custodial or self-custody?
VALR is custodial: funds are held by the platform, while Yellow Card is custodial.
Which is better for spending abroad?
For foreign-currency spending VALR wins, with the lowest FX markup: 0%.