Kem Card vs Sanafi
On cashback Kem Card wins (up to 2%, but the full rate requires Nessuno); for spending abroad FX markup matters, and Sanafi does better (0% vs 3%). In our editorial rating Sanafi leads (4.1 vs 3.0). The choice depends on your real spending profile: redo the math with your volumes before picking between Kem Card and Sanafi.
| Kem Card | Sanafi | |
|---|---|---|
| Tier | C | A |
| Rating | ★ 3.0 | ★ 4.1 |
| Estimated net annual cost | €0 | €0 |
| Account fee | Free | Free |
| Multi-currency | USD | No (single currency) |
| Network | Visa | — |
| ATM withdrawal | not declared | not declared |
| Fund custody | Custodial (platform holds funds) | Custodial (platform holds funds) |
| KYC | Full | Full |
| Supported countries | US, EEA, UK, LATAM | US, EEA, APAC, LATAM, MENA, AFRICA · 100+ countries |
| Regulator | Repubblica Ceca (autorita di vigilanza VASP) | None |
| Segment | B2C | B2C |
| IBAN | — | condiviso |
| Outbound transfers to third-party IBANs | — | No |
| Utility direct billing | — | No |
| SEPA direct debit (SDD) | — | No |
| Regions | US, EU/EEA, UK, LATAM | US, EU/EEA, APAC, LATAM, MENA, Africa |
| Licences & safety | VASP registrato in Repubblica Ceca (Kemfinity s.r.o., Company No. 221 62 194) | None |
Frequently asked questions
Kem Card vs Sanafi: which is better?
On cashback Kem Card wins (up to 2%, but the full rate requires Nessuno); for spending abroad FX markup matters, and Sanafi does better (0% vs 3%). In our editorial rating Sanafi leads (4.1 vs 3.0). The choice depends on your real spending profile: redo the math with your volumes before picking between Kem Card and Sanafi.
Which is cheaper, Kem Card or Sanafi?
On the standard spending profile Kem Card has the lowest net annual cost: €0 versus €0 for Sanafi.
Which offers more cashback, Kem Card or Sanafi?
Kem Card has the highest cashback: up to 2%. Note the top rate often requires token staking and is subject to spending caps.
Is Kem Card custodial or self-custody?
Kem Card is custodial: funds are held by the platform, while Sanafi is custodial.
Which is better for spending abroad?
For foreign-currency spending Sanafi wins, with the lowest FX markup: 0%.