Yellow Card vs Grey Card
For spending abroad FX markup matters, and Yellow Card does better (0.5% vs 2%). Neither wins across the board: weigh the points above against your use case before choosing between Yellow Card and Grey Card.
| Yellow Card | Grey Card | |
|---|---|---|
| Tier | B | B |
| Rating | ★ 3.6 | ★ 3.5 |
| Estimated net annual cost | €0 | €0 |
| Account fee | Free | Free |
| IBAN | condiviso | — |
| Multi-currency | Yes · 17 currencies | USD, EUR, GBP |
| Outbound transfers to third-party IBANs | No | — |
| Utility direct billing | No | — |
| SEPA direct debit (SDD) | No | — |
| On-chain crypto withdrawal | Yes | — |
| SEPA transfer | Free | — |
| Interest on balance | 0% | — |
| ATM withdrawal | not declared | Free |
| Fund custody | Custodial (platform holds funds) | Custodial (platform holds funds) |
| KYC | Full | Full |
| Supported countries | AFRICA, LATAM, APAC · 34+ countries | AFRICA, US, EEA, UK, LATAM · 0+ countries |
| Regulator | NBFIRA / FSCA / FinCEN | FinCEN (US) / FINTRAC (Canada) |
| OAM Italy registration | No | — |
| Segment | B2B | B2C |
| Network | — | Visa |
| Free ATM limit | — | Nessun prelievo ATM (carta solo virtuale) |
| Regions | Africa, LATAM, APAC | Africa, US, EU/EEA, UK, LATAM |
| Licences & safety | VASP + MSB | FinCEN MSB (US), FINTRAC MSB (Canada) |
Frequently asked questions
Yellow Card vs Grey Card: which is better?
For spending abroad FX markup matters, and Yellow Card does better (0.5% vs 2%). Neither wins across the board: weigh the points above against your use case before choosing between Yellow Card and Grey Card.
Which is cheaper, Yellow Card or Grey Card?
On the standard spending profile Yellow Card has the lowest net annual cost: €0 versus €0 for Grey Card.
Is Yellow Card custodial or self-custody?
Yellow Card is custodial: funds are held by the platform, while Grey Card is custodial.
Which is better for spending abroad?
For foreign-currency spending Yellow Card wins, with the lowest FX markup: 0.5%.