Sana Card vs Fiat24
For spending abroad FX markup matters, and Fiat24 does better (1% vs 6%). In our editorial rating Fiat24 leads (4.0 vs 3.0). Neither wins across the board: weigh the points above against your use case before choosing between Sana Card and Fiat24.
| Sana Card | Fiat24 | |
|---|---|---|
| Tier | B | B |
| Rating | ★ 3.0 | ★ 4.0 |
| Estimated net annual cost | €0 | €0 |
| Network | Visa | Mastercard |
| Card type | Charge | — |
| Backing | Crypto-secured | — |
| APR | 0% | — |
| Crypto collateral | USDC, SOL | — |
| Issuing bank | Third National | — |
| Issuance fee | Free | Free |
| Annual fee | Free | Free |
| ATM withdrawal | not declared | not declared |
| FX markup | 6% | 1% |
| Cashback | Not disclosed | Not disclosed |
| Chains | Solana | Arbitrum |
| On-chain settlement | Yes | Yes |
| Contactless | Yes | Yes |
| Virtual card | Yes | Yes |
| KYC | Full | Full |
| Privacy | 5/10 | 4/10 |
| Supported countries | EEA, UK, LATAM | EEA · 30+ countries |
| Funding / solidity | Sana ("Sana onchain money") e sviluppata da Sanafi Labs LLC, presentata come self-custody neobank su Solana e costruita da un team con esperienza in Coinbase, Kyberswap e Astratech. La carta Visa Signature e emessa dalla banca statunitense Third National su licenza Visa, con Rain e Circle (USDC) tra i partner infrastrutturali. | Fintech svizzero (SR Saphirstein AG), una delle poche licenze FINMA Art. 1b ottenuta nel 2021; protocollo bancario on-chain su Arbitrum. |
| Segment | B2C | B2C |
| Fund custody | — | Self-custody (funds in your control) |
| Free ATM limit | — | €10,000 (Standard tier) |
| Recovery model | — | Account come NFT ERC-721 nel wallet dell'utente |
| Regulator | — | FINMA (Svizzera) |
| Regions | EU/EEA, UK, LATAM | EU/EEA |
| Licences & safety | Issued by Third National (US bank) under license from Visa; Sanafi Labs LLC is the non-bank technology provider (in Nigeria marketed by Banex Microfinance Bank) | Licenza fintech FINMA (Art. 1b Legge bancaria svizzera) |
Frequently asked questions
Sana Card vs Fiat24: which is better?
For spending abroad FX markup matters, and Fiat24 does better (1% vs 6%). In our editorial rating Fiat24 leads (4.0 vs 3.0). Neither wins across the board: weigh the points above against your use case before choosing between Sana Card and Fiat24.
Which is cheaper, Sana Card or Fiat24?
On the standard spending profile Sana Card has the lowest net annual cost: €0 versus €0 for Fiat24.
Is Sana Card custodial or self-custody?
Sana Card is self-custody: you keep the keys, while Fiat24 is self-custody.
Which is better for spending abroad?
For foreign-currency spending Fiat24 wins, with the lowest FX markup: 1%.