ether.fi Cash
ether.fi · Visa
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 verified on unchanged since personalise the calc the sources
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.
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.
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
Notable incidentsDocumented events with consequences still open. Each entry carries a source and a date.
-
Hack / funds theft Minor $38K ● open
Deprecated withdrawal contract drained by abusing still-active token approvals: 15.45 ETH from 11 wallets
On 11 September 2026, at around 07:20 UTC, an attacker drained 11 wallets by abusing AtomicQueue, an old withdrawal queue built by Veda and no longer in use. The flaw was a missing check: the solve() function never verified that the caller was actually the "solver" it had been handed. The attacker therefore crafted a request via updateAtomicRequest() naming the VICTIM as the solver; the contract then called finishSolve on the victim's address and executed a transferFrom, drawing on the ERC-20 approval that victim had granted the contract long before and never revoked. Haul: 14.4455 liquidETH from 9 addresses plus roughly 7.05 USDC from 2 more, totalling 15.4536 ETH (about 38,000 dollars); a single address lost 12.37 liquidETH, 86% of the total. The technical detail that explains who was hit and who was not: all 11 victims were smart wallets — 7 addresses upgraded via EIP-7702 and 3 Coinbase Smart Wallets — because the attack required the victim's address to contain executable code; ordinary un-upgraded addresses made the call fail and were left untouched. Within about 8 minutes the attacker deposited 15.5 ETH into Tornado Cash across 11 separate transactions, which makes recovery unlikely. The first public alert came from ExVul at 07:51 UTC, followed by SlowMist, which states it notified the team privately before disclosure. CEO Mike Silagadze confirmed the incident in replies to the ExVul and SlowMist threads: he called AtomicQueue an old Veda contract approved by a small number of users, said the issue had been resolved and that affected users would be reimbursed. WHAT IS NOT KNOWN, and it matters: ether.fi has published no formal post-mortem. The official blog stops at 13 August 2026 and the @ether_fi account has posted nothing about the attack — on 12 September it was running a promotion. The reimbursement was announced in words, but there is no public, verifiable proof that it was carried out: that is why this entry stays open. eETH, weETH, the LiquidityPool and current Liquid vault accounting do not appear to have been compromised, and no source reports any effect on the ether.fi Cash card, which does not route through this contract.
↗ source
verified on
Public reviews
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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
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