Payy Card vs The Bitcoin Company Card
On cashback The Bitcoin Company Card wins (up to 25%, but the full rate requires Nessuno); for spending abroad FX markup matters, and Payy Card does better (1% vs 2.5%). In our editorial rating Payy Card leads (4.9 vs 4.0). The choice depends on your real spending profile: redo the math with your volumes before picking between Payy Card and The Bitcoin Company Card.
| Payy Card | The Bitcoin Company Card | |
|---|---|---|
| Tier | S | B |
| Rating | ★ 4.9 | ★ 4.0 |
| Estimated net annual cost | €0 | €0 |
| Network | Visa | Visa/Mastercard |
| Fund custody | Self-custody (funds in your control) | Self-custody (funds in your control) |
| Issuance fee | Free | Free |
| Annual fee | Free | Free |
| Free ATM limit | Not disclosed | — |
| ATM withdrawal | Free | not declared |
| FX markup | 1% | 2.5% |
| Cashback | Not disclosed | 25% in BTC · Nessuno |
| On-chain settlement | Yes | — |
| Contactless | Yes | Yes |
| Virtual card | Yes | Yes |
| KYC | Full | Light |
| Privacy | 9/10 | 9/10 |
| Supported countries | US, EEA, APAC, LATAM · 100+ countries | US, LATAM |
| Regulator | Not disclosed | — |
| Segment | B2C | B2C |
| Regions | US, EU/EEA, APAC, LATAM | US, LATAM |
| Licences & safety | MSB (presumed) |
Frequently asked questions
Payy Card vs The Bitcoin Company Card: which is better?
On cashback The Bitcoin Company Card wins (up to 25%, but the full rate requires Nessuno); for spending abroad FX markup matters, and Payy Card does better (1% vs 2.5%). In our editorial rating Payy Card leads (4.9 vs 4.0). The choice depends on your real spending profile: redo the math with your volumes before picking between Payy Card and The Bitcoin Company Card.
Which is cheaper, Payy Card or The Bitcoin Company Card?
On the standard spending profile Payy Card has the lowest net annual cost: €0 versus €0 for The Bitcoin Company Card.
Which offers more cashback, Payy Card or The Bitcoin Company Card?
The Bitcoin Company Card has the highest cashback: up to 25%. Note the top rate often requires token staking and is subject to spending caps.
Is Payy Card custodial or self-custody?
Payy Card is self-custody: you keep the keys, while The Bitcoin Company Card is self-custody.
Which is better for spending abroad?
For foreign-currency spending Payy Card wins, with the lowest FX markup: 1%.