Fiwind Card vs Ripio
On cashback Ripio wins (up to 2%). In our editorial rating Ripio leads (3.7 vs 3.0). In short: Fiwind Card if your usage matches its strength, Ripio otherwise — the numbers above beat any slogan.
| Fiwind Card | Ripio | |
|---|---|---|
| Tier | C | B |
| Rating | ★ 3.0 | ★ 3.7 |
| Estimated net annual cost | €0 | €0 |
| Account fee | Not disclosed | Free |
| Multi-currency | ARS, USD, BRL, BTC, ETH, USDT, USDC, BNB, DAI, SOL | Yes · 2 currencies |
| Network | Mastercard | — |
| ATM withdrawal | not declared | not declared |
| Fund custody | Custodial (platform holds funds) | Custodial (platform holds funds) |
| KYC | Full | Full |
| Supported countries | LATAM | LATAM, US, EEA · 8+ countries |
| Regulator | CNV (Comisión Nacional de Valores) | CNV / Florida MSB |
| Segment | B2C | B2C |
| IBAN | — | condiviso |
| Outbound transfers to third-party IBANs | — | No |
| Utility direct billing | — | No |
| SEPA direct debit (SDD) | — | No |
| On-chain crypto withdrawal | — | Yes |
| SEPA transfer | — | Free |
| Interest on balance | — | 0% |
| OAM Italy registration | — | No |
| Regions | LATAM | LATAM, US, EU/EEA |
| Licences & safety | CNV PSAV N°75 (Financewind S.A.) | VASP |
Frequently asked questions
Fiwind Card vs Ripio: which is better?
On cashback Ripio wins (up to 2%). In our editorial rating Ripio leads (3.7 vs 3.0). In short: Fiwind Card if your usage matches its strength, Ripio otherwise — the numbers above beat any slogan.
Which is cheaper, Fiwind Card or Ripio?
On the standard spending profile Fiwind Card has the lowest net annual cost: €0 versus €0 for Ripio.
Which offers more cashback, Fiwind Card or Ripio?
Ripio has the highest cashback: up to 2%. Note the top rate often requires token staking and is subject to spending caps.
Is Fiwind Card custodial or self-custody?
Fiwind Card is custodial: funds are held by the platform, while Ripio is custodial.