UglyCash vs Fizen
On cashback Fizen wins (up to 8%); for spending abroad FX markup matters, and Fizen does better (0% vs 2%). The structural difference is custody: Fizen leaves you the keys, while UglyCash holds funds on the platform. In our editorial rating Fizen leads (3.8 vs 3.0). In short: UglyCash if your usage matches its strength, Fizen otherwise — the numbers above beat any slogan.
| UglyCash | Fizen | |
|---|---|---|
| Tier | B | B |
| Rating | ★ 3.0 | ★ 3.8 |
| Estimated net annual cost | €0 | — |
| Account fee | Not disclosed | Free |
| Multi-currency | USD, EUR, MXN | No (single currency) |
| Network | Visa | — |
| ATM withdrawal | not declared | not declared |
| Free ATM limit | 500 USD/giorno, 5.000 USD/mese | — |
| Fund custody | Custodial (platform holds funds) | Self-custody (funds in your control) |
| KYC | Full | Light |
| Supported countries | LATAM, US · 14+ countries | EEA, APAC, LATAM, MENA, AFRICA · 170+ countries |
| Regulator | FinCEN (USA) | Not disclosed |
| OAM Italy registration | No | No |
| Segment | B2C | B2C |
| IBAN | — | condiviso |
| Outbound transfers to third-party IBANs | — | Yes |
| Utility direct billing | — | No |
| SEPA direct debit (SDD) | — | No |
| On-chain crypto withdrawal | — | Yes |
| Interest on balance | — | 0% |
| Regions | LATAM, US | EU/EEA, APAC, LATAM, MENA, Africa |
| Licences & safety | FinCEN MSB (USA), ISO 27001, SOC 2 Type 2 | unknown |
Frequently asked questions
UglyCash vs Fizen: which is better?
On cashback Fizen wins (up to 8%); for spending abroad FX markup matters, and Fizen does better (0% vs 2%). The structural difference is custody: Fizen leaves you the keys, while UglyCash holds funds on the platform. In our editorial rating Fizen leads (3.8 vs 3.0). In short: UglyCash if your usage matches its strength, Fizen otherwise — the numbers above beat any slogan.
Which is cheaper, UglyCash or Fizen?
On the standard spending profile UglyCash has the lowest net annual cost: €0 versus — for Fizen.
Which offers more cashback, UglyCash or Fizen?
Fizen has the highest cashback: up to 8%. Note the top rate often requires token staking and is subject to spending caps.
Is UglyCash custodial or self-custody?
UglyCash is custodial: funds are held by the platform, while Fizen is self-custody.
Which is better for spending abroad?
For foreign-currency spending Fizen wins, with the lowest FX markup: 0%.