UR Card vs Superform
Bottom line, net annual cost favours Superform (€0), while UR Card comes to €144. For spending abroad FX markup matters, and Superform does better (0% vs 2%). In our editorial rating Superform leads (4.4 vs 3.5). Neither wins across the board: weigh the points above against your use case before choosing between UR Card and Superform.
| UR Card | Superform | |
|---|---|---|
| Tier | B | A |
| Rating | ★ 3.5 | ★ 4.4 |
| 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 | Light |
| Supported countries | EEA, UK, APAC · 40+ countries | US, EEA, APAC, LATAM · 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 |
| Interest on balance | — | 8.4% |
| OAM Italy registration | — | No |
| Regions | EU/EEA, UK, APAC | US, EU/EEA, APAC, LATAM |
| Licences & safety | FINMA FinTech License (Art. 1b Swiss Banking Act) | None |
Frequently asked questions
UR Card vs Superform: which is better?
Bottom line, net annual cost favours Superform (€0), while UR Card comes to €144. For spending abroad FX markup matters, and Superform does better (0% vs 2%). In our editorial rating Superform leads (4.4 vs 3.5). Neither wins across the board: weigh the points above against your use case before choosing between UR Card and Superform.
Which is cheaper, UR Card or Superform?
On the standard spending profile Superform 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 Superform is custodial.
Which is better for spending abroad?
For foreign-currency spending Superform wins, with the lowest FX markup: 0%.