Airtm vs Lemon Cash
On cashback Lemon Cash wins (up to 2%); for spending abroad FX markup matters, and Airtm does better (0% vs 0.5%). In our editorial rating Lemon Cash leads (3.9 vs 3.0). The choice depends on your real spending profile: redo the math with your volumes before picking between Airtm and Lemon Cash.
| Airtm | Lemon Cash | |
|---|---|---|
| Tier | B | B |
| Rating | ★ 3.0 | ★ 3.9 |
| Estimated net annual cost | €0 | €0 |
| Account fee | Free | Free |
| Network | Visa | — |
| ATM withdrawal | not declared | not declared |
| Fund custody | Custodial (platform holds funds) | Custodial (platform holds funds) |
| KYC | Full | Full |
| Supported countries | LATAM, AFRICA, APAC, EEA, US · 190+ countries | LATAM · 5+ countries |
| Regulator | FinCEN (USA) | CNV Argentina / El Salvador regulator |
| Segment | B2C | B2C |
| IBAN | — | condiviso |
| Multi-currency | — | Yes · 2 currencies |
| Outbound transfers to third-party IBANs | — | No |
| Utility direct billing | — | No |
| SEPA direct debit (SDD) | — | No |
| On-chain crypto withdrawal | — | Yes |
| Interest on balance | — | 4% |
| OAM Italy registration | — | No |
| Past incidents | — | 2022 negative-balance bug |
| Regions | LATAM, Africa, APAC, EU/EEA, US | LATAM |
| Licences & safety | FinCEN MSB (USA) | VASP |
Frequently asked questions
Airtm vs Lemon Cash: which is better?
On cashback Lemon Cash wins (up to 2%); for spending abroad FX markup matters, and Airtm does better (0% vs 0.5%). In our editorial rating Lemon Cash leads (3.9 vs 3.0). The choice depends on your real spending profile: redo the math with your volumes before picking between Airtm and Lemon Cash.
Which is cheaper, Airtm or Lemon Cash?
On the standard spending profile Airtm has the lowest net annual cost: €0 versus €0 for Lemon Cash.
Which offers more cashback, Airtm or Lemon Cash?
Lemon Cash has the highest cashback: up to 2%. Note the top rate often requires token staking and is subject to spending caps.
Is Airtm custodial or self-custody?
Airtm is custodial: funds are held by the platform, while Lemon Cash is custodial.
Which is better for spending abroad?
For foreign-currency spending Airtm wins, with the lowest FX markup: 0%.