ether.fi Cash
ether.fi · Visa
ether.fi offers a non-custodial spend-against-staked-ETH model that lets users spend without selling their staked ETH, with tax-efficiency benefits. The drawbacks are a low $250-per-day ATM limit and the liquidation risk tied to Borrow Mode if the price of ETH falls sharply.
Worth it if you want to spend without selling the ETH you have staked, accepting liquidation risk.
Avoid it if you withdraw cash often ($250/day cap) or you don’t want an ETH drop to hit your liquidity.
The clause
That 3% on the banner isn't what you pocket.
After FX markup, fees and withdrawals, on an average profile of €1,000/mo (20% abroad).
Data & conditions
§ Amounts in USD/GBP are shown in the service's native currency.
| Network | Visa |
|---|---|
| Fund custody | Self-custody (funds in your control) |
| Issuance fee | Free |
| Annual fee | Free |
| Free ATM limit | $250/giorno (max 3 tentativi/24h) |
| ATM withdrawal | 2% |
| FX markup | 0% |
| Cashback | 3% in USDC o ETH · Nessuno |
| Chains | Ethereum, Linea, Base |
| On-chain settlement | Yes |
| Contactless | Yes |
| Virtual card | Yes |
| KYC | Full |
| Privacy | 7/10 |
| Supported countries | US, EEA, UK · 50+ countries |
| Estimated net annual cost | €0/year |
| Regulator | Not disclosed |
| Segment | B2C |
| MiCA / License status | Not disclosed |
Plans & pricing
Core
- Price
- Free
- Issuance fee
- Free
- FX markup
- 0%
- Cashback
- 3%
- Cashback currency
- USDC o ETH
- Cashback cap
- €670
- Required staking
- Nessuno
- ATM fee
- 2%
- ATM limit
- $250/giorno (max 3 tentativi/24h)
- Net annual cost
- Free
- Eligible spend cap/month
- $2K
- 3% cashback, self-custodial Visa
- Apple Pay
- 3 virtual cards
- $10K/month fiat→crypto onramp
Luxe
- Price
- Free
- Issuance fee
- Free
- FX markup
- 0%
- Cashback
- 3%
- Cashback currency
- USDC o ETH
- Cashback cap
- €3,348
- Required staking
- Nessuno
- ATM fee
- 2%
- ATM limit
- $250/giorno (max 3 tentativi/24h)
- Net annual cost
- Free
- Eligible spend cap/month
- $10K
- Borrow Mode: spend against staked eETH
- ETH keeps earning staking yield
Pinnacle
- Price
- Free
- Issuance fee
- Free
- FX markup
- 0%
- Cashback
- 3%
- Cashback currency
- USDC o ETH
- Cashback cap
- €16,740
- Required staking
- Nessuno
- ATM fee
- 2%
- ATM limit
- $250/giorno (max 3 tentativi/24h)
- Net annual cost
- Free
- Eligible spend cap/month
- $50K
- 4-tier membership
Strengths
- Spend-against-staked-ETH: spend without selling (tax-efficient).
- Self-custody: funds stay in your wallet — the platform cannot touch them.
Weaknesses
- Low $250/day ATM limit; liquidation risk if ETH drops sharply.
- Full KYC required: verified identity, zero pseudonymity.
Verdict
The modest score and low tier reflect the risks for an ordinary user: no declared regulation, an ATM cap of just $250 a day and, above all, the liquidation risk tied to Borrow Mode if the price of ETH drops sharply. Add the 1% FX markup and the key-custody responsibility inherent to the non-custodial model.
From a crypto-native angle the design is compelling: spending against staked ETH without selling it, in a tax-efficient way, with on-chain settlement across Ethereum, Linea and Base and funds always non-custodial. Cashback of up to 3% in USDC or ETH reinforces the profile; full KYC is the only real compromise on autonomy.
Promp's editorial rating based on real fees and net annual cost. Promp reviews third-party products independently.
"Sovereignty" rating: score computed on privacy/anonymity (30%), fund control (20%), censorship resistance (20%), trustless/auditability (20%) and costs (10%). Same data, different weights.
Reputation
What happened to people who used ether.fi Cash, and what users say. External signals: they do not feed the promp.it rating.
Incidents & regulatory actions
History not verifiedWe have not yet completed the incident search for this service: no entries here does not mean no events.
Public reviews
-
App Store ↗
4.9/5
235 reviews
Exact figures from itunes.apple.com/lookup (US storefront), app "ether.fi: Crypto Card & Spend" id 6670338367; raw average 4.949.
-
Google Play ↗
4.8/5
160 reviews
Exact count read from the Play page structured data (ratingValue 4.7778 / ratingCount 160). Trustpilot is not included: no accessible listing.
Weighted average across 2 public review platforms (395 reviews in total), weighted by volume. This is not our rating: it is those platforms’ average.
FAQ
Is ether.fi Cash a safe card?
ether.fi Cash is a self-custody card on the Visa network. As a payment card, loaded funds are e-money and are not covered by a bank deposit-guarantee scheme. Fund custody is self-custody.
How much does ether.fi Cash cost?
The card has no annual fee. Issuance is free. The FX markup is 1%. See the tier table for full conditions.
Does ether.fi Cash offer cashback?
Yes: cashback goes up to 3% in USDC or ETH, depending on the tier.
Is ether.fi Cash available in Italy?
Yes, ether.fi Cash is available in Italy.
Is ether.fi Cash custodial or self-custody?
ether.fi Cash uses a self-custody model. Funds stay in your wallet and you keep control of your private keys; the card debits at the moment of spending.
Sources
- Official service page Plans & pricing · Regulatory framework · Cashback · Supported currencies · +1 Data verified on Jul 21, 2026
- spendnode.io Cashback.staking richiesto · Cashback · Supported currencies · Visa Data verified on Jul 10, 2026
- linkedin.com Founders Data verified on Jun 13, 2026
- trustpilot.com Trustpilot reviews Data verified on Jun 13, 2026
Update history
🔔 Notify me of changes
If you sign up from here we earn a commission, at no extra cost to you. It doesn’t change the rating: we tell you so you can check us.