UR Card vs Sanafi

The first number to check is net annual cost: €0 for Sanafi versus €144 for UR Card. For spending abroad FX markup matters, and Sanafi does better (0% vs 2%). In our editorial rating Sanafi leads (4.1 vs 3.5). In short: UR Card if your usage matches its strength, Sanafi otherwise — the numbers above beat any slogan.

UR Card Sanafi
Tier B A
Rating ★ 3.5 ★ 4.1
Estimated net annual cost €144 €0
Account fee €12 Free
IBAN IBAN svizzero multivaluta (SEPA + SWIFT) condiviso
Multi-currency EUR, CHF, USD, RMB No (single currency)
Network Mastercard —
ATM withdrawal Free not declared
Free ATM limit No ATM withdrawals (virtual card, no PIN) —
Fund custody Custodial (platform holds funds) Custodial (platform holds funds)
KYC Full Full
Supported countries EEA, UK, APAC · 40+ countries US, EEA, APAC, LATAM, MENA, AFRICA · 100+ countries
Regulator FINMA (Svizzera) None
Segment B2C B2C
Outbound transfers to third-party IBANs — No
Utility direct billing — No
SEPA direct debit (SDD) — No
Regions EU/EEA, UK, APAC US, EU/EEA, APAC, LATAM, MENA, Africa
Licences & safety FINMA FinTech License (Art. 1b Swiss Banking Act) None
UR Card 3.5/5 · Tier B
Numbers Open ↗
Sanafi 4.1/5 · Tier A
Numbers Open ↗

Frequently asked questions

UR Card vs Sanafi: which is better?

The first number to check is net annual cost: €0 for Sanafi versus €144 for UR Card. For spending abroad FX markup matters, and Sanafi does better (0% vs 2%). In our editorial rating Sanafi leads (4.1 vs 3.5). In short: UR Card if your usage matches its strength, Sanafi otherwise — the numbers above beat any slogan.

Which is cheaper, UR Card or Sanafi?

On the standard spending profile Sanafi has the lowest net annual cost: €0 versus €144 for UR Card.

Is UR Card custodial or self-custody?

UR 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%.