VPay vs Tria Card
On the standard spending profile VPay is cheaper: €0 net per year versus €23 for Tria Card. On cashback Tria Card wins (up to 6%). The choice depends on your real spending profile: redo the math with your volumes before picking between VPay and Tria Card.
| VPay | Tria Card | |
|---|---|---|
| Tier | B | A |
| Rating | ★ 3.8 | ★ 4.1 |
| Estimated net annual cost | €0 | €23 |
| Account fee | Free | Free |
| IBAN | condiviso | condiviso |
| Multi-currency | No (single currency) | No (single currency) |
| Outbound transfers to third-party IBANs | No | No |
| Utility direct billing | No | No |
| SEPA direct debit (SDD) | No | No |
| Interest on balance | 6% | 15% |
| ATM withdrawal | not declared | not declared |
| Fund custody | Custodial (platform holds funds) | Custodial (platform holds funds) |
| KYC | Full | Full |
| Supported countries | AFRICA, EEA, APAC · 80+ countries | EEA, UK, APAC, LATAM, MENA, AFRICA · 180+ countries |
| Regulator | None | Not disclosed |
| OAM Italy registration | No | No |
| Segment | B2C | B2C |
| SEPA transfer | — | Free |
| Regions | Africa, EU/EEA, APAC | EU/EEA, UK, APAC, LATAM, MENA, Africa |
| Licences & safety | None | N/A |
Frequently asked questions
VPay vs Tria Card: which is better?
On the standard spending profile VPay is cheaper: €0 net per year versus €23 for Tria Card. On cashback Tria Card wins (up to 6%). The choice depends on your real spending profile: redo the math with your volumes before picking between VPay and Tria Card.
Which is cheaper, VPay or Tria Card?
On the standard spending profile VPay has the lowest net annual cost: €0 versus €23 for Tria Card.
Which offers more cashback, VPay or Tria Card?
Tria Card has the highest cashback: up to 6%. Note the top rate often requires token staking and is subject to spending caps.
Is VPay custodial or self-custody?
VPay is custodial: funds are held by the platform, while Tria Card is custodial.