Yellow Card vs Spenda Card
For spending abroad FX markup matters, and Spenda Card does better (0% vs 0.5%). In our editorial rating Yellow Card leads (3.6 vs 3.0). In short: Yellow Card if your usage matches its strength, Spenda Card otherwise — the numbers above beat any slogan.
| Yellow Card | Spenda Card | |
|---|---|---|
| Tier | B | C |
| Rating | ★ 3.6 | ★ 3.0 |
| Estimated net annual cost | €0 | €0 |
| Account fee | Free | Free |
| IBAN | condiviso | — |
| Multi-currency | Yes · 17 currencies | NGN, USD |
| 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 |
| Regulator | NBFIRA / FSCA / FinCEN | — |
| OAM Italy registration | No | — |
| Segment | B2B | B2C |
| Network | — | Verve |
| Free ATM limit | — | Non documentato ufficialmente: limite di transazione giornaliero fino a 10.000.000 di naira (NGN) |
| Regions | Africa, LATAM, APAC | Africa |
| Licences & safety | VASP + MSB |
Frequently asked questions
Yellow Card vs Spenda Card: which is better?
For spending abroad FX markup matters, and Spenda Card does better (0% vs 0.5%). In our editorial rating Yellow Card leads (3.6 vs 3.0). In short: Yellow Card if your usage matches its strength, Spenda Card otherwise — the numbers above beat any slogan.
Which is cheaper, Yellow Card or Spenda Card?
On the standard spending profile Yellow Card has the lowest net annual cost: €0 versus €0 for Spenda Card.
Is Yellow Card custodial or self-custody?
Yellow Card is custodial: funds are held by the platform, while Spenda Card is custodial.
Which is better for spending abroad?
For foreign-currency spending Spenda Card wins, with the lowest FX markup: 0%.