Amp Black Card vs Superform
For spending abroad FX markup matters, and Superform does better (0% vs 1%). The structural difference is custody: Amp Black Card leaves you the keys, while Superform holds funds on the platform. In our editorial rating Superform leads (4.4 vs 2.0). Neither wins across the board: weigh the points above against your use case before choosing between Amp Black Card and Superform.
| Amp Black Card | Superform | |
|---|---|---|
| Tier | C | A |
| Rating | ★ 2.0 | ★ 4.4 |
| Estimated net annual cost | €0 | €0 |
| Account fee | Free | Free |
| Multi-currency | USDC, PYUSD, USDT, USDS | No (single currency) |
| Network | Visa | — |
| ATM withdrawal | not declared | not declared |
| Fund custody | Self-custody (funds in your control) | Custodial (platform holds funds) |
| KYC | Full | Light |
| Supported countries | US, EEA, UK, LATAM | US, EEA, APAC, LATAM · 100+ countries |
| Regulator | OCC / FDIC (banca emittente Third National, USA) | None |
| Segment | B2C | B2C |
| IBAN | — | condiviso |
| Outbound transfers to third-party IBANs | — | No |
| Utility direct billing | — | No |
| SEPA direct debit (SDD) | — | No |
| Interest on balance | — | 8.4% |
| OAM Italy registration | — | No |
| Regions | US, EU/EEA, UK, LATAM | US, EU/EEA, APAC, LATAM |
| Licences & safety | Carta Visa emessa dalla banca partner Third National (USA) | None |
Frequently asked questions
Amp Black Card vs Superform: which is better?
For spending abroad FX markup matters, and Superform does better (0% vs 1%). The structural difference is custody: Amp Black Card leaves you the keys, while Superform holds funds on the platform. In our editorial rating Superform leads (4.4 vs 2.0). Neither wins across the board: weigh the points above against your use case before choosing between Amp Black Card and Superform.
Which is cheaper, Amp Black Card or Superform?
On the standard spending profile Amp Black Card has the lowest net annual cost: €0 versus €0 for Superform.
Is Amp Black Card custodial or self-custody?
Amp Black Card is self-custody: you keep the keys, while Superform is custodial.
Which is better for spending abroad?
For foreign-currency spending Superform wins, with the lowest FX markup: 0%.