Spenda Card vs Bitnob
For spending abroad FX markup matters, and Spenda Card does better (0% vs 3%). In our editorial rating Bitnob leads (3.6 vs 3.0). Neither wins across the board: weigh the points above against your use case before choosing between Spenda Card and Bitnob.
| Spenda Card | Bitnob | |
|---|---|---|
| Tier | C | B |
| Rating | ★ 3.0 | ★ 3.6 |
| Estimated net annual cost | €0 | €0 |
| Account fee | Free | Free |
| Multi-currency | NGN, USD | Yes · 7 currencies |
| Network | Verve | — |
| ATM withdrawal | Free | not declared |
| Free ATM limit | Non documentato ufficialmente: limite di transazione giornaliero fino a 10.000.000 di naira (NGN) | — |
| Fund custody | Custodial (platform holds funds) | Custodial (platform holds funds) |
| KYC | Full | Full |
| Supported countries | AFRICA | AFRICA · 5+ countries |
| 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 |
| Interest on balance | — | 0% |
| Regulator | — | none |
| OAM Italy registration | — | No |
| Regions | Africa | Africa |
| Licences & safety | none |
Frequently asked questions
Spenda Card vs Bitnob: which is better?
For spending abroad FX markup matters, and Spenda Card does better (0% vs 3%). In our editorial rating Bitnob leads (3.6 vs 3.0). Neither wins across the board: weigh the points above against your use case before choosing between Spenda Card and Bitnob.
Which is cheaper, Spenda Card or Bitnob?
On the standard spending profile Spenda Card has the lowest net annual cost: €0 versus €0 for Bitnob.
Is Spenda Card custodial or self-custody?
Spenda Card is custodial: funds are held by the platform, while Bitnob is custodial.
Which is better for spending abroad?
For foreign-currency spending Spenda Card wins, with the lowest FX markup: 0%.