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742 of 742 services Another 16 entries lack verifiable data and stay out of comparisons: you can still find them in search. Ranked by editorial rating — placement is never for sale
↗ 70%+ volume perp DEX; $4,62T cumulativo; zero gas; latenza <100ms; no VC; zero hack.
↗ Self-custody: funds stay on-chain until payment
↗ API-first with native push provisioning to Apple/Google Pay
↗ NASDAQ-listed; 98% cold storage; FDIC USD; 0% maker at the top tier; USDC co-founder.
↗ Zero explicit fees, 0% FX markup, quarterly PoR — the most transparent card in Europe.
↗ Modello not-custodial approvato from regolatori; Citadel+Fidelity+Schwab; futuro standard institutional.
↗ 95% aggregator share Solana; routing ottimale; Launchpad; 100x perp.
↗ Globally accepted payment network in over 210 countries with ~$10.6T GDV in 2025, with established security and reliability standards.
↗ Unique with MiFID II EU + CFTC USA + NASDAQ publicly traded; 0% maker fee.
↗ The only crypto credit card on the American Express network
↗ Industry standard for MPC infrastructure: used by 2,400+ organizations, including 80+ banks in production, for over $10 trillion in cumulative volume.
↗ Security-first: NYDFS BitLicense + SOC 2; PoR monthly Deloitte; zero hack.
↗ SOC 2 + ISO 27001; MPC + HSM multi-sig; smart contract custody; contatto diretto leadership.
↗ Futures MiCA-regulated; 14 years zero hack; 50x leverage responsabile.
↗ Self-custodial Solana; CASH stablecoin 1:1 USD; gas fee ~$0,01.
↗ #1 futures CEX; $35-73B 24h; 125x leverage; fee 0,02%/0,05%.
↗ Completely free; no credit check; no interest; no utilization reporting; 47K+ free ATMs.
↗ SFC Hong Kong (più restrictive): before license retail HK; ETF crypto Asia gateway.
↗ Most regulated exchange in the EU: MiCA + MiFID II + PI; 350+ spot; monthly PoR.
↗ true bank UK FCA; FSCS £85K; wire UK illimitati free; EUR/USD add-on.
↗ FX 0% interbank; MTD+VAT filing included; UK-based 24/7 support; PAYG no fixed cost.
↗ Full-reserve exchange: niente rehypothecation; IPO NYSE 2025; SFC Hong Kong.
↗ true bank olandese; deposit guarantee €100K; ZeroFX on Elite; 25 sub-account.
↗ USDC/stablecoin support native; 80+ fintech partners; Durbin-exempt; compliance solida.
↗ Open-source hardware and software, assembled in the USA and third-party audited (Keylabs); security processor with secure element and tamper protection; Bitcoin-only (no altcoins) reduces attack surface; supports multisig and Taproot.
↗ Autonomous inheritance with on-chain timelocks designed to keep working even if the company disappears; multi-user collaborative multisig; on mobile and desktop; zero KYC; open-source with signed builds; own NFC Tapsigner and broad hardware support.
↗ #2 futures; MiFID II compliance EU; 400+ pair futures; fee competitive.
↗ YC-backed; multi-bank FDIC network; compliance gestita; API BaaS; privacy 8/10.
↗ Mid-market rate 0,33%+; 48 currencies; batch 1000 payments; volume discounts.
↗ Doppia license EU+UK; Principal Member Mastercard; 19+ years; premiato.
↗ Fully open-source (firmware and hardware); cheap (≈€71); Bitcoin + Liquid support; air-gapped QR signing; broad compatibility with third-party wallets (Sparrow, Electrum, Specter); free international shipping.
↗ $3,000/day ATM limit; up to 10% cashback.
↗ #3 futures; 20M+ ordini/sec; Unified Trading Account; VARA Dubai.
↗ 1% unlimited USDT cashback with no spending caps; competitive 0.5% FX in the EEA.
↗ One of the few mainstream wallets with first-class Monero (XMR) support; 100% open-source and free; cross-platform (mobile and desktop); built-in exchange with no account or KYC for basic use.
↗ Public blockchain with configurable privacy, built for regulated financial institutions.
↗ Regulated, mature processor (FCA/ACPR EMI) with global enterprise coverage.
↗ Institutional strength: NASDAQ-listed company with $220B+ in custody
↗ Genuinely multichain (beyond EVM it also supports Bitcoin and Solana); built-in swaps, dApp browser and fiat on-ramp; optional encrypted backup to your own cloud.
↗ Primo exchange with license MiCA full; CFTC regulated derivatives; 100M+ users.
↗ Account manager 7/7/365; unlimited virtual cards; 61 currencies payout; Trustpilot 4,6/5.
↗ Established card issuing and processing platform, owned by SoFi.
↗ 100% air-gapped via QR (no data USB/WiFi/Bluetooth/NFC); EAL7-certified secure element; encrypted GRAPHENE steel backup; broad multi-asset support; EU-based company (Belgium).
↗ 59% market aggregator EVM; 0% protocol fee; Fusion+ cross-chain atomic swap.
↗ 89% approval rate; no credit check; no bank account required; refundable deposit.
↗ #1 BSC; fee 0,01-0,25%; gas BSC almost zero; 6 chain.
↗ 430M+ users; PYUSD stablecoin native ETH+Solana; integration Venmo/Braintree.
↗ A genuine Swiss bank with a FINMA licence and esisuisse deposit guarantee up to CHF 100,000
↗ Very broad multichain support (100+ blockchains, EVM and non-EVM); built-in dApp browser, swaps and staking; simple mobile experience for beginners.
↗ 130+ countries; mature BaaS; up to 8% WXT cashback.
↗ Dual nature: an interface for your own node (LND, Core Lightning, LNDHub, Lightning Node Connect) and an integrated self-custodial "ZEUS Pay" solution with a lightning address; open-source (AGPL v3), non-custodial and no-KYC; also available on F-Droid.
↗ Complete Lightning + Nostr + browser ecosystem (Alby Hub, Extension, Go); lightning address, automatic on-chain swaps and Nostr Wallet Connect to link third-party apps with configurable budgets; open-source and self-hostable.
↗ Not-custodial hybrid (funds user self-custody); ZK-proof; Solana; VASP Dubai.
↗ Copy trading leader; 800+ crypto; $300M protection users; 200x leverage futures.
↗ Simple and fast to use on mobile; on-chain Bitcoin and Lightning in one app; PSBT and multisig support as a hardware-wallet companion.
↗ Self-custody multisig with geo-distributed keys: no single compromised key moves the funds; built-in inheritance planning; SOC 2 Type II certification; company active since 2018 with a large client base; apps on iOS, Android and Web.
↗ CFTC regulated USA: unique; MiCA EU: dual regulation; fee 0,01% maker.
↗ Specialista stablecoin: fee 0,01-0,04% (lowest DEX); crvUSD; veToken.
↗ Self-custody via Gnosis Safe: full control of funds
↗ Proactive threat detection before execution, covering over 300 risk types.
↗ A single API and ledger to orchestrate multi-rail payments with automated reconciliation.
↗ Very broad multichain coverage (over 130 networks) with integrated DEX swap, staking and DeFi; pure self-custody with keys on the device; available on mobile, extension and web.
↗ Cloud-native issuer-processor with coverage across ~70 countries and marquee clients (M-Pesa, RedotPay, TrueMoney).
↗ Non-custodial: funds stay in your wallet, no custodial deposit.
↗ Self-custodial on Starknet; session-key architecture; near-zero gas.
↗ Builds credit and savings simultaneously; no credit check; unique mechanism.
↗ Self-custody with no KYC or email; official multichain wallet (20+ EVM networks + Solana) with MEV protection; since December 2025 no interface app-fee on swaps; viewable code and Trail of Bits audit.
↗ Nominal rate and APR nearly identical (6.78% / 6.99%): almost no hidden fees beyond interest
↗ Self-custodial Visa card; 0% Avici FX; free ATM on the Signature tier; 20% referral; MetaDAO-backed.
↗ Copy trading futures; 125x leverage; $300M protection; fee very basse.
↗ 600+ crypto assets; MiCA-compliant; 4.69/5 App Store.
↗ Fully air-gapped (QR only, no data port); sealed metal body with self-destruct anti-tamper; 4" touchscreen; 10,000+ tokens across 45+ blockchains.
↗ Lightning infrastructure and the open UMA standard for instant cross-rail payments.
↗ Self-custodial with independent recovery guaranteed by the Emergency Kit (keys + output descriptor) and the Cold Recovery Code; on-chain and Lightning in a single simple app; 2-of-2 multisig architecture; open-source code on GitHub.
↗ Genuine BaFin bank; German IBAN; unlimited SEPA; 0% FX; affiliate program; 21 countries.
↗ Privacy by design: built-in Tor, client-side block filtering (BIP158), trustless WabiSabi CoinJoin, full coin control and labelling; MIT open-source.
↗ Self-custodial: Squads states it does not take custody of funds (balances in stablecoins)
↗ Backend of MetaMask Card, Exodus Card: infrastruttura collaudata.
↗ €0 fee forever with no conditions: no salary crediting, minimum balance or lock-in
↗ 80M+ users; multi-chain USDT/USDC; Apple/Google/LINE Pay.
↗ Very broad multichain coverage (over 130 networks) with integrated swap, DeFi and earn; classic self-custody option with a seed phrase; claimed 300 million dollar protection fund.
↗ No issuance or annual fee (virtual and physical)
↗ Natively built into the Brave browser (no extension to install); multichain self-custody (EVM, Solana, Filecoin, Zcash with shielded transactions); open-source; Ledger and Trezor support.
↗ ASIC+AUSTRAC; from 2013; maker rebate −0,05% (paghi for fare market).
↗ €0 annual fee and no issuance cost
↗ SECCI example with 6.208% nominal / 6.50% APR and zero accessory fees
↗ Very broad coverage: 330+ blockchains and 10,000+ assets for AML and investigations.
↗ Not-custodial hybrid: funds user MPC-protetti; VASP Polonia; $30M.
↗ DEX perpetual Solana with spot+lending integrated; $485M 24h.
↗ Highly configurable Tritium platform for prepaid, debit and credit.
↗ Fineco One plan at €0/month fee with no conditions; SEPA and instant transfers at €0 and SDD direct debits at €0
↗ Visa credit card with Bitcoin rewards: 1.5% base with no cap, up to 4% with bonuses.
↗ Secure Enclave with PUF and CLDS tamper-detection mesh; SafeCards system (portable backup, PIN-protected smartcards); large touchscreen that aids transaction verification; open-source, audited Lattice1 firmware; strong EVM/DeFi support (MetaMask, Rabby, Frame).
↗ Triplice license ASIC+AUSTRAC+MAS; SOC 2; acquisita IG Group.
↗ Non-custodial wallets created instantly from familiar logins, with no user-side key management.
↗ No annual fee and no documented issuance fee
↗ Non-custodial multi-signature MPC wallet: key split into 3 shares, no single party has full control
↗ Self-custodial with on-chain settlement on Gnosis Chain: the user controls the keys.
↗ One of the first stablecoin-native neobanks; 2-4% cashback in XPL; yield up to ~6% APY.
↗ Broad coverage (100+ assets, 40+ fiat currencies) with cards, Apple/Google Pay and local rails; on-ramp and off-ramp.
↗ Self-custodial: funds stay in the user's Safe smart account, Rebind cannot move them
↗ 279+ crypto tokens; Lithuanian/local IBAN; savings up to 3.3% AER; FX Forwards for hedging.
↗ Uncapped 3% cash back on everything (5% on portal travel), unusually high for a flat-rate card
↗ No issuance fee and no annual fee.
↗ Stamp duty is paid by the Bank: 0.2 points a year that stay with the customer, and the reason 3.00% here beats a rival's 3.20% that charges the duty.
↗ Up to 2% flat cashback on all eligible spend, no categories or documented caps.
↗ Direct funding from a self-custody wallet supporting 50,000+ tokens across many chains
↗ No monthly, annual or virtual-card issuance fees
↗ Up to 25% Bitcoin rewards on gift card purchases, withdrawable on-chain or via Lightning
↗ German bank with a full BaFin licence and €100k deposit guarantee
↗ 2M+ clients; stablecoin cross-border; USDC up to 4.5% APY (2% on the free tier); multi-currency.
↗ Integrated accounting; FCA UK; Trustpilot 4.2/5; ideal for sole traders.
↗ The largest synthetic dollar and third-largest digital dollar by circulation.
↗ Debit (zero risk debit); +48 points medi; no security deposit; no APR.
↗ Regulated as an EMI by the FCA (UK) and DNB (Netherlands), with AFM approval for EMTs under MiCAR.
↗ Dual profile: Arancio Light at €0 and Arancio Più with SEPA/instant transfers, withdrawals and card all at €0
↗ Unique USSD blockchain wallet: no internet richiesto; 440M africani target.
↗ 35% market share Argentina; 2% cashback BTC; BTC-backed credit card.
↗ Cross-chain analytics and transaction monitoring for AML compliance and investigations.
↗ Corporate credit card: cash-flow optimization; up to €250K limit; 30 interest-free days.
↗ Self-custody mobile with built-in 1inch DEX aggregator (optimised price routes, cross-chain swaps without external bridges); broad multichain coverage (13+ networks); iCloud/Google Drive backup; Ledger integration.
↗ Backed by Tether with custody on Fireblocks infrastructure
↗ Official and most integrated wallet of the Aptos ecosystem; self-custody with email/social recovery without a seed (convenient for non-technical users) and optional mnemonic for those who want it; native APT swap and staking; Ledger support.
↗ 3.50% gross from 24 months upward, held even on long maturities: at 60 months the rate does not drop, while many rivals only reward 24-36 months.
↗ Multi-coin with privacy on by default (Monero, Firo, Epic Cash and other privacy coins alongside Bitcoin, Litecoin, Dogecoin); open-source, pure self-custody, no account or KYC, on mobile and desktop.
↗ Zero annual fee and no issuance or shipping cost, forever
↗ APR from 14,99% (low for the settore); 3% cashback; no annual fee; 0% FX.
↗ Up to 3% cashback (3/2/1 by category), optionally in BTC/ETH/LTC/BCH; $0 annual fee.
↗ Broad payment coverage (173 countries) with an integratable on/off-ramp and Visa/Mastercard payouts.
↗ €0 account-keeping fee and free Mastercard debit card: fixed cost limited to stamp duty only (€34.20/year above €5,000 balance)
↗ Free account with a Maltese IBAN; up to 4% APY on balance; 2% cashback on Amazon and 5% on Google Play.
↗ €0/month fee with no conditions; you only pay the €34.20/year stamp duty
↗ 0% FX + cashback up to 8% + 6% APY + SEPA IBAN.
↗ 25M+ users India; unicorno $1,9B; aggregator multi-exchange; FIU-India.
↗ Structural €0 fee, with no conditions to meet
↗ On-device biometric fingerprint unlock; CC EAL5+ secure element with SecureOS; very broad multi-asset support (85+ blockchains); Trusted Clear Signing for human-readable signing.
↗ Non-custodial delegation model; 0% FX; 30+ countries; Apple/Google Pay.
↗ Representative example with 7.23% nominal / 7.47% APR: minimal gap, fees rolled in
↗ 10% APY delta-neutral; yield matura during spending; $1B+ payroll.
↗ Online and instant SEPA transfers at €0, ATM withdrawals (Group and other SEPA-area banks) at €0, SDD direct debits at €0
↗ Base isyLight plan at €0 fee with a free digital Mastercard/Visa card
↗ Non-custodial on Solana; USDC stays in your wallet until settlement; 4% JupUSD cashback.
↗ Self-custody with several security layers (2FA, PIN, multisig) and the Vault companion app for multisig; a European entity (Estonia) behind it; over 1 million users; strong for Stellar and the XRP Ledger on mobile and a Chrome extension.
↗ Payment Institution (Banco Central); PIX istantaneo; $2,1B valutazione SoftBank.
↗ Genuine FDIC bank; credit line doubles automatically after 7 on-time payments; Trustpilot 4.5/5.
↗ Real funding ($7M) and top-tier integrations (Visa Intelligent Commerce, Coinbase x402)
↗ Debit card che costruisce credit; zero risk debit; target underserved; no APR.
↗ Open-source from Day One with public code on GitHub (rare transparency for a single-chain wallet); self-custody with a privacy-first design and an external security audit (Numencyber); native, integrated experience on the Sui ecosystem.
↗ Stamp duty is paid by the Bank: 3.50% is worth 2.59% net, the highest real return among the deposits verified, against 2.39% for banks offering the same gross rate but charging the duty.
↗ 3.25% gross already at 12 months, among the market's best on short duration: no need to commit for five years to get almost the maximum.
↗ 0% foreign-exchange fee: excellent for spending in foreign currency
↗ Genuine unconditional zero fee: €0 opening, €0 maintenance, €0 internet banking and app
↗ €2/month fee easily waived (−€2 under 35 and −€2 with salary/pension crediting)
↗ €0 issuance and €0 fee: a genuinely free prepaid with Italian IBAN from a traditional bank
↗ Fee waivable with a clear condition: €0 in months with credits ≥€750 (and free anyway for the first 6 months)
↗ Spend-against-staked-ETH: spend without selling (tax-efficient).
↗ 2.500+ pair futures — maximum selection; fee 0,015% maker.
↗ 3.35% gross held flat from 24 to 60 months with no fee at all, provided the current account stays on the Classic package and at least €5,000 sits locked.
↗ #1 DEX Avalanche; Liquidity Book model; multi-chain.
↗ Fee free in the first year for everyone and waived for under-30s until age 30
↗ Bank account NFT on Arbitrum; Swiss IBAN; 0% FX.
↗ Very broad multi-chain coverage (BTC, ETH, BNB Chain, TRON, Aptos, Polygon, Solana, Cosmos, Polkadot, EOS and more) with integrated swaps, cross-chain bridges, DApp browser and staking; self-custody with keys only on the device; optional KeyPal hardware wallet; a huge user base, especially in Asia.
↗ Zero fee for new customers opening by 23/9/2026 (list price is only €2/month anyway)
↗ Free forever with no conditions: extremely rare for a bank credit card
↗ Free the first year; travel perks (Priority Pass 2 visits/year, hotel credits and vouchers) that can offset the fee
↗ ZK-powered perpetuals; Bybit backing; zero KYC; APEX staking rewards.
↗ Free unlimited SEPA and instant transfers via internet banking
↗ Issued by a MAS Singapore-licensed Major Payment Institution
↗ 3.50% gross at 48 months, the best in its category on the verification date, with zero cost to open or close the term.
↗ Ordinary and instant SEPA transfers at €0 via internet banking, SDD direct debits at €0
↗ Available in the EEA/Italy; up to 3% KCS cashback (with staking); Visa.
↗ Built by Crossmint with top-tier partners (Visa, Mastercard, Circle, Solana)
↗ Free Debit Mastercard International card with zero-cost withdrawals and spending abroad and 0% FX markup
↗ Multi-chain across 8 networks; CryptoDraft borrow; 0% FX.
↗ Italian IBAN: salary/pension crediting, incoming and outgoing SEPA transfers, utility direct debits
↗ 10M+ users; stablecoin local for Mercado Libre; 6 countries.
↗ 7.45% nominal / 7.86% APR: minimal gap, zero servicing fees
↗ Included Mastercard debit card at €0 fee
↗ Before licensed stablecoin on/off ramp Africa; $3B transfers; 20+ countries.
↗ Before licensed stablecoin on/off ramp Africa; $3B transfers 2024.
↗ Free the first year and a low fee (€35/year) from the second
↗ Complete travel package: Priority Pass Prestige, €300/year dining credit, €150 travel voucher, Fine Hotels + Resorts
↗ Transparent ethical finance: every loan granted is published online, no arms or fossil-fuel financing
↗ €4.50/month fee waivable (under-35s pay only stamp duty, −€2 with salary/pension crediting > €500/month)
↗ Strong regulatory standing: first Spanish firm with full MiCA/CNMV authorization
↗ Spend ADA and 685+ crypto anywhere Visa is accepted, built into the Wirex app.
↗ €0 issuance and waivable fee (one monthly credit is enough): a prepaid with Italian IBAN that is effectively free
↗ 3.50% gross at 48 and 60 months, with the rate fixed for the whole term and a quarterly coupon paid into the current account.
↗ 3.35% gross held flat from 36 to 60 months, with every fee line at zero: opening, account fee, transactions, closing and statements.
↗ €0 fee until age 30 (also for joint accounts between under-30s)
↗ Instalment withheld at source: accessible even to those with other ongoing loans
↗ €0 fee for holders of the Conto Corrente Arancio Più
↗ Low fee (€1.50/month) with dual international network Mastercard/Visa + BANCOMAT
↗ Self-custody model: funds stay in your wallet, with native Ledger Live integration to fund the card from a Ledger hardware device
↗ Self-custody: assets stay on-chain under the user's control until spent
↗ Self-custody Solana wallet: the user keeps control of funds.
↗ Offshore account in USD/EUR/GBP for people from unstable economies, with a regulated Swiss base.
↗ Before SEC Nigeria licensed; 70+ crypto; solida compliance.
↗ Solflare wallet on Solana (4.8/5 App Store); Google Pay; free SEPA reloads.
↗ No cap on total balance: the information sheet explicitly states «None», rare in a category where ceilings run from €250,000 to €3m.
↗ Low base fee (€1.90/month = €22.80/year), waived with salary/pension/transfer crediting ≥ €750
↗ 300+ crypto, metals and 35+ fiat; real-time Proof of Reserves; Elite US with 0% FX.
↗ Borrow-to-spend: deposit SOL/ETH/BTC/USDT, earn yield, spend USDC; Visa; up to 4% cashback.
↗ Fast disbursement (within ~48h up to €30,000) and wide network
↗ Interest credited monthly: one of the few Italian deposit accounts built as periodic income rather than accumulation.
↗ Genuine supervised current account with a free Allianz Bank Card (Mastercard) debit card and ATM withdrawals in Italy at €0
↗ Genuinely free: €0 fee with at least one transaction a year
↗ Free unlimited online SEPA and instant transfers on all modules
↗ €0 fee up to age 26 (only €34.20/year stamp duty) and €3/month for the 26-40 band
↗ Widespread, deeply-rooted cooperative network (~111 BCC, ~2,400 branches, real in-branch service) supervised by the ECB
↗ Single API/network aggregating many on/off-ramp providers and local rails across 90+ claimed countries.
↗ €5.30/month fee genuinely waivable (under-35s, first online quarter, salary/pension crediting or transfer ≥ €1,000/month)
↗ Italian personal IBAN: receives transfers and real-time top-ups (3,000 € cap)
↗ Low foreign cost: 1.00% negotiation charges on non-euro-area usage
↗ track record exchange (2013); 1.000+ crypto; USDD stablecoin.
↗ Semplice fee €3/month waived with salary/pension credit ≥€800; first 3 months always free
↗ 0% APR, no stated fees or late charges for the user
↗ Designed for minors aged 10-17: app Parental Control with spending/withdrawal limits and category blocking
↗ Top-tier backing: $5M round led by Coinbase Ventures and Kraken Ventures.
↗ Integration into banks' core systems, with no lock-in to a single custodian
↗ Promo 6.99% nominal with example APR 7.99%: competitive for a major bank
↗ Italian IBAN with a Visa debit card and up to 4% category cashback
↗ Fee waived until age 30 and €0 for the first year with online opening; free Mastercard debit card and internet banking
↗ Free the first year and a low fee (€84/year) from the second
↗ Charge card: used normally it generates no interest (single end-of-month debit)
↗ Origination waived if applied for online (otherwise 1%)
↗ €50/year fee waivable with POS spending ≥€6,000/year (rebate): can become free for heavy users
↗ Example APR 6.71%: at 31% of the category's usury threshold
↗ Zero origination fee; low per-instalment collection (€1)
↗ Activate with email or self-custodial wallet only (no ID upload)
↗ 50+ available BINs; no KYC; 3DS support; designed for digital marketing.
↗ Non-custodial model: funds go straight to the merchant
↗ Free account/wallet, universally accepted for online payments, with strong buyer protection
↗ 6.16% nominal / 6.80% APR: competitive for salary-backed loans
↗ Unifies fiat banking, crypto wallets and treasury in a single interface
↗ APR from 6.97% on the best profiles; international banking group
↗ 0% APR, very low minimum (from €3), built into the Satispay app
↗ Unlimited operations included in the fee and Sparkasse ON internet banking at €0
↗ GFSC Gibraltar DLT licence; AIM-listed parent company; Mastercard with EUR/GBP IBANs and cashback up to 8%.
↗ Early release is contractually available, partial or total: rare in this category, where an outright ban is the norm.
↗ Modest fee: €20/year (Classic) or €50/year (Gold), the latter free with the Elite account
↗ Zero-Knowledge KYC; USDT BEP20/TRC20; privacy 8/10.
↗ Automatic yield optimization and rebalancing across multiple chains, verifiable on-chain.
↗ No fixed fee (€0): suited to those who keep the account almost idle
↗ 5.21% nominal / 6.32% APR: among the lowest in salary-backed loans
↗ Dense post-office network + free withdrawals at Postamat ATMs; Postepay Mastercard card included in the fee
↗ €4/month fee that can be zeroed: −€1 for each product/service held (salary, token, credit card, mortgage/loan, policies)
↗ Solid issuer: BPER Banca, a group supervised by Banca d'Italia / ECB
↗ Two versions: Tasca without IBAN (cheap, 3,000 € cap) and Tasca Conto with Italian IBAN (up to 14,000 €)
↗ 3/6/9/12 instalments at 0% APR (on promo) on orders up to €5,000
↗ Digital card with a declared €0 fee (not yet confirmed in the official economic conditions) and integrated HeyLight BNPL instalment payment on purchases
↗ Choice of international network (Visa or Mastercard), widely accepted unlike proprietary networks
↗ Charged as a full balance it generates no interest: single end-of-month debit
↗ 100% online application, no door-to-door agent network
↗ Example APR 6.96% with a close nominal rate (6.73%): small gap
↗ Low fee: €19.95/year (single) or €29.95/year (multi-function), free with the Max account
↗ No lock-up and no transaction costs: opening, closing, deposits and withdrawals are all free, and the money stays available at all times.
↗ 1% FX fee on foreign-currency spending, among the lowest on the market
↗ €0 annual fee and ubiquitous acceptance: usable everywhere, managed from the Postepay app
↗ 0 interest for on-time users; instalments on small amounts (Pay in 3 from €50)
↗ Direct spending from the self-custody wallet, no pre-loading or card top-up needed.
↗ Integrated payment offering (EFTPOS, ATM, e-commerce, SoftPOS) with crypto acceptance and AUD settlement.
↗ Payment in 2/3/4 instalments, interest-free for the on-time user
↗ Smart fee waived for under-30s (full €6.70/month discount)
↗ No fixed annual fee: you pay (€3.99) only in months with instalment repayment
↗ First year free; Classic fee halved to €20 with SelfyConto and waived for under-30s
↗ Choice of Visa or Mastercard network, widely accepted in Italy and abroad
↗ Programmable on-chain payments (vesting, streaming, vaults) on smart contracts.
↗ Prepaid with IBAN from a leading issuer: SEPA transfers and direct debits
↗ First year free (€43 fee + €10 issuance waived) for applications by 31/10/2026
↗ 178M+ prodotti digitali; BNPL in crypto 90gg; 100+ crypto; from 2016.
↗ Single-use virtual cards with network-level spending limits (Visa/Mastercard), designed for autonomous AI-agent spending.
↗ Self-custody: assets stay owned and custodied by the user on the Avalanche network
↗ Genuine self-custody: keys are managed via Turnkey MPC and remain exportable by the user
↗ White-label crypto-card infrastructure that removes the need to build payment rails and conversion engines from scratch.
↗ Modest Classic fee (€41/year) on the widely accepted Visa network
↗ Widespread distribution through post offices and a high-trust brand
↗ Non-custodial: keys stay on-device, only the spending amount moves to the card
↗ Pioneer from 2011; up to 15% merchant offers.
↗ Crypto top-up (BTC, ETH and others) with automatic euro conversion and a Spanish IBAN
↗ Up to 1% Bitcoin cashback on every purchase, with no cap
↗ Stamp duty borne by BNL; BNP Paribas Group bank
↗ No issuance fee and no annual fee
↗ 4 interest-free instalments for the on-time user
↗ Non-custodial model: spend assets directly from the Coin98 Super Wallet without giving up custody
↗ Pioneer in Australia from 2013; registered AUSTRAC and FCA.
↗ No FX markup (0%) on international purchases
↗ High cashback up to 5% (in ZOOM tokens) on top tiers
↗ Among the fastest disbursements on the market (1 business day from approval)
↗ Visa network accepted in 210+ countries with conversion across 160+ fiat currencies
↗ Track record since 2013; Visa with Apple/Google Pay; FCA registration.
↗ Self-custody: funds stay in the Decaf wallet on Solana and you control the keys.
↗ Both virtual and physical cards with Visa acceptance in 140+ countries
↗ No FX markup (0%) on dollar purchases and no monthly fee
↗ Virtual USD Visa card accessible from major African markets
↗ Up to 6% cashback in Tether Gold (XAUT), LBMA physical gold vaulted in Switzerland
↗ Self-custodial: funds stay under the user's control via passkey or 12-word seed.
↗ No issuance, maintenance or renewal fees
↗ Single-use amount-locked virtual cards: a compromised credential has no residual value
↗ No issuance or annual maintenance fees, and no top-up fees
↗ Virtual USD/EUR/GBP accounts with instant stablecoin conversion, built for African freelancers
↗ Non-custodial on-chain credit card: spend without selling, crypto stays on-chain as productive collateral
↗ Fully self-custodial: funds stay in the imToken wallet
↗ Italy's largest bank: solidity, wide network, app/online management for customers
↗ UK FCA-regulated EMI (Financial House Limited, FRN 902039) with EU distribution
↗ Self-custody: funds stay on-chain in the wallet until payment
↗ Non-custodial wallet: only the user controls the keys and funds
↗ Named EUR IBAN plus crypto account and a Visa card in one app.
↗ 0 interest over 3 instalments; widely accepted online
↗ prequalification soft pull; zero security deposit; accessibile post-bankruptcy.
↗ Crypto-to-fiat conversion at point of sale on the global Mastercard network
↗ No fee on euro payments abroad (no markup within the euro area)
↗ No KYC: spend up to ~$4,000/month without ID documents
↗ Self-custody: assets stay on-chain in the user's wallet until settlement
↗ Non-custodial by design: keys stay local and the API never exposes private keys
↗ Non-custodial model: the user keeps control of stablecoin funds
↗ Self-custody until conversion: assets stay in your self-custodied Osmosis wallet until you fund the card
↗ Accepted on the Visa network at over 150 million merchants in 170+ countries
↗ No issuance fee and no annual fee; zero-fee USD spending
↗ No origination fees; Intesa Sanpaolo Group bank
↗ Non-custodial: keys and funds stay with the user, Raycash never accesses them
↗ Non-custodial model: wallet keys under the user's control via Privy infrastructure
↗ Self-custody: BTC staking uses native timelocks on Core DAO, with no bridges or third-party custodians
↗ Self-custodial: funds stay in the user's wallet until payment, with on-chain settlement.
↗ No issuance fee and no annual fee
↗ Spend directly from the self-custody on-chain Sui balance without selling assets first.
↗ Self-custody on Solana with on-chain USDC settlement on the global Visa network.
↗ Self-custody: funds stay in SoUSD in the user's wallet until the transaction
↗ Automatic conversion of crypto (BTC, ETH and others) to naira or dollars at market rate with instant settlement to Nigerian bank accounts
↗ Self-custody model: the user holds the keys to the private wallet
↗ Card issuer on the Visa network with fast program onboarding
↗ No SSN richiesto; 0% APR; for international students and immigrants.
↗ Non-custodial wallet: funds stay in a user-controlled smart contract until the charge settles
↗ Virtual Visa card ready for Apple Pay/Google Pay, no annual fee and 0% FX markup
↗ Non-custodial model: keys and crypto stay under the user's control
↗ Long-running platform (since 2014) with broad multi-currency fiat and crypto support and global reach (150+ countries)
↗ Australian-native crypto Visa card with a track record since 2018 and AUSTRAC registration
↗ Non-custodial model: assets stay in the xPortal wallet whose keys you keep, while the card runs on Mastercard
↗ Stated self-custody model: company says it cannot freeze or access funds
↗ Free renewal (no periodic fee) and low-cost basic operations
↗ Non-custodial model: funds stay in your wallet until loading.
↗ No KYC; metal card available; 3 service tiers.
↗ Dedicated multi-currency IBAN with native settlement in USD, EUR, CHF and more
↗ No annual fee and no card issuance cost
↗ No annual or monthly fee, no issuance, renewal or blocking cost
↗ Current, clearly dated example (valid until 31/12/2026)
↗ Low annual fee (~€12/year per 2026 sources) versus other revolving cards
↗ Soft-pull prequalification; zero security deposit; accessible after bankruptcy.
↗ Convenient and integrated at Amazon checkout; limit up to €3,000
↗ track record BaaS collaudato; $1,75B assets.
↗ Longer instalments (6/12/24 months) built into the PayPal wallet
↗ Buy with crypto, no KYC; privacy 8/10.
↗ Virtual Mastercard with fast QR payments and Telegram bot access.
↗ Up to 4% cashback and 0% FX markup on the Gold tier
↗ 0% FX on EUR spending within the EEA
↗ 5M+ users; cashback 2% Airtime.
↗ Popular in the degen community; Google Pay; Lightning BTC; XMR supported.
↗ Fast onboarding (under 5 minutes) and symbolic activation cost (~1 USD), no annual fee
↗ Many listing altcoin of nicchia.
↗ Global availability; crypto+fiat support; dedicated account manager.
↗ Low FX markup (0.6%) and no monthly or annual fee, with one-off lifetime tier pricing
↗ No KYC; white-label; free API; 3% cashback.
↗ Instant card for those already using the Skrill wallet (gaming, trading, transfers)
↗ Absolute last resort when no other option is available.
↗ Non-custodial model: the AISI platform leaves users in control of keys and funds when trading
↗ Self-custodial collateral on Solana: the user keeps custody of the stablecoins
↗ Wide range of virtual and physical cards (Visa and Mastercard) accepted in 170+ countries
↗ Cashback up to 5% on higher tiers and a free virtual card on the Lite plan
↗ Broad global availability (115+ countries)
↗ No-KYC Mastercard virtual card, quick to activate and usable with Apple Pay and Google Pay
↗ Visa Infinite network with global acceptance at 150M+ merchants in 150+ countries
↗ Broad global acceptance (Mastercard, 110M+ merchants, 170+ countries)
↗ Multi-currency IBAN accounts integrated with the card and crypto services (BTC, ETH, TRON)
↗ Fast virtual card issuance in USDT/USDC, up to 10 per user
↗ The wind-down is orderly and was announced in advance by the company, with withdrawals stated to be fee-free until 6 Sep 2026 — the opposite of the cards in this category that vanish without notice.
↗ Up to 2% cashback redeemable in various cryptocurrencies across multiple chains
↗ Instant virtual issuance on the Mastercard network, with Apple Pay and Google Pay
↗ Wide acceptance: Visa/Mastercard in 210+ countries, instant virtual card + Apple/Google Pay
↗ Non-custodial architecture: keys stay with the user, the app does not replace your wallet
↗ Fast virtual card issuance via Telegram, with Apple Pay and Google Pay
↗ Self-custody on Solana: assets stay owned and custodied by the user
↗ European IBAN account with SEPA Instant integrated alongside the custodial crypto wallet
↗ Wide Visa acceptance (130M+ merchants) with both virtual and physical cards
↗ Linked wallet is non-custodial: the user keeps control of their own funds.
↗ potential copertura markets emerging Asia/Africa.
↗ Offshore bank account in Laos paired with a global Visa Platinum card
↗ No-KYC sign-up with only email/phone and instant virtual card
↗ Trustpilot 4.8/5; AI-powered; built credit without a new card; bill-history analysis.
↗ Free issuance and crypto-to-USD balance conversion on the Mastercard network
↗ Long instalments (up to 36 months) with a transparent APR from 7.19%
↗ Cross-chain orderbook unificato; spot+perp+lending in a'app; VRTX staking.
↗ German bank account with a real IBAN backed by Solarisbank (BaFin licence) and deposit protection up to EUR 100,000 on the fiat balance.
↗ Virtual card on the Visa network with announced Apple Pay and Google Pay support
No service matches the filters.