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Crypto cards

ether.fi Cash

Non-custodial Visa card with four tiers: 3 to 4% saveback in ETHFI, euro payments with no FX markup (beta) and much lower saveback limits on payments in euros.

VisaNon-custodialDE/AT/CH4 tiers

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Status: 01.11.2026

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ether.fi Cash ↔ MetaMask CardIn comparison

At a glance

Net
Visa
Card type
Debit
Custody
Non-custodial

program

Stages in the program

ether.fi Cash: Stages in the program from the crypto card catalog
criterionether.fi CoreCoreether.fi Luxe5k pointsether.fi Pinnacle25k pointsether.fi VIP500k Liquid
NetNetwork: Visa or Mastercard. “Both” in research meets the Visa or Mastercard filter.VisaVisaVisaVisa
Card typeCard type: Debit debits credit/account. Prepaid is loaded beforehand. Mixed = Debit and Credit variants in one SKU line.DebitDebitDebitDebit
CustodyCustody: Custodial = credit on the provider account. Non-custodial = card on a wallet, not on the exchange account.Non-custodialNon-custodialNon-custodialNon-custodial
DE / AT / CHGermany, Austria and Switzerland: Documented edition in DE, AT or CH. Unknown policy is not a filter option.DE/AT/CHDE/AT/CHDE/AT/CHDE/AT/CH
Apple/Google PayApple/Google Pay: Hard Research Line. A help text “2025 is coming” does not count as yes.✓✓✓✓
FXFX: Provider's surcharge when paying in foreign currency, plus target currency if used. Spread when changing assets is not 0-%-FX. Visa rate = network rate without extra markup.0% EUR · otherwise base rate + up to 0.5%0% EUR · otherwise base rate + up to 0.25%0% EUR · otherwise base rate0% EUR · otherwise base rate
Withdraw moneyWithdrawing money (ATM): Fees and limits for cash at ATMs. “Unknown” / — is not a free acceptance.Free up to 10/mo · $5k per withdrawalFree up to 10/mo · $5k per withdrawalFree, unlimited · $5k per withdrawalFree, unlimited · $5k per withdrawal
CapCap: Upper limit or scale of this SKU (month, AI band, flight). No cap in the cell does not mean “unlimited” if the policy is unknown.$2k, EUR $800 · 1% / 0.5–0.1%$10k, EUR $3k · 1% / 0.5–0.1%$50k, EUR $16k · 1% / 0.5–0.1%$50k/mo, EUR $16k · lower after that
SavebackSaveback: Rate of this SKU — not the marketing cap. One number per column for sorting to work.3%3%3%4%
Cash outCashout: In which asset the saveback refund arrives - e.g. E.g. same spend crypto, USDC, BTC, CRO or recurring investment plan. Not automatically Euro/Fiat.ETHFIETHFIETHFIETHFI
Card costsCard Cost: Issue or subscribe to this SKU. Month × 12 = Year. EUR 0 only with an officially free edition - “no subscription” is not a 0. Mandatory lock or hold (CRO, XPL, WPAY) is in the cell with the amount - this is not a sorting price. Tickers lead to CoinMarketCap.$0 virtual · $50 physical5k points or $199/year25k points or $999/year$500k Liquid or 500k ETHFI
View sources: Stages in the program
  • ether.fi Cash — benefitsNetwork (ether.fi Core) · Network (ether.fi Luxe) · Network (ether.fi Pinnacle) · Network (ether.fi VIP) · Apple / Google Pay (ether.fi Core) · Apple / Google Pay (ether.fi Luxe) · Apple / Google Pay (ether.fi Pinnacle) · Apple / Google Pay (ether.fi VIP) · Cash withdrawals (ether.fi Core) · Cash withdrawals (ether.fi Luxe) · Cash withdrawals (ether.fi Pinnacle) · Cash withdrawals (ether.fi VIP) · Card costs (ether.fi Core)
  • ether.fi Cash — VaultCustody (ether.fi Core) · Custody (ether.fi Luxe) · Custody (ether.fi Pinnacle) · Custody (ether.fi VIP)
  • ether.fi Cash — countriesGermany, Austria and Switzerland (ether.fi Core) · Germany, Austria and Switzerland (ether.fi Luxe) · Germany, Austria and Switzerland (ether.fi Pinnacle) · Germany, Austria and Switzerland (ether.fi VIP)
  • ether.fi Cash — FX rateFX (ether.fi Core) · FX (ether.fi Luxe) · FX (ether.fi Pinnacle) · FX (ether.fi VIP)
  • ether.fi Cash — cashbackCap (ether.fi Core) · Cap (ether.fi Luxe) · Cap (ether.fi Pinnacle) · Cap (ether.fi VIP) · Saveback (ether.fi Core) · Saveback (ether.fi Luxe) · Saveback (ether.fi Pinnacle) · Saveback (ether.fi VIP) · Cashout (ether.fi Core) · Cashout (ether.fi Luxe) · Cashout (ether.fi Pinnacle) · Cashout (ether.fi VIP)
  • ether.fi Cash — membership levelsCard costs (ether.fi Luxe) · Card costs (ether.fi Pinnacle) · Card costs (ether.fi VIP)

Overview

Editorial assessment

ether.fi Cash is a Visa crypto card on a non-custodial Vault. According to its help pages, only the user can authorise transactions and ether.fi cannot move the funds. The signer sits with Turnkey, and exporting the private key is not yet possible. Issuance in DE/AT/CH, Apple Pay and Google Pay are documented, and the help pages list a physical card for all three countries. This assessment covers the whole programme with Core, Luxe, Pinnacle and VIP, not just the Core column.

Core starts at 3% saveback on the first $ 2000 a month, then 1% up to $ 3000 and 0.5% after that. For purchases settled in euros, the 3% band already ends at the equivalent of $ 800 and the 1% band at $ 1500, with 0.1% after that. All currencies share one monthly counter. Luxe raises the 3% limit to $ 10000 (EUR $ 3000), Pinnacle to $ 50000 (EUR $ 16000), and VIP pays 4% up to $ 50000 (EUR $ 16000). Saveback arrives in ETHFI, is locked for seven days after settlement and moves with the token price: it is not euro-stable fiat cashback. The help pages also list 5% with ether.fi Travel and, from Luxe upwards, category cashback with low monthly limits.

If a merchant charges in euros, the help pages list no FX markup. The feature is marked as beta and does not apply if the merchant or terminal converts. Other currencies use the base rate plus a markup: Core up to 0.5%, Luxe up to 0.25%, Pinnacle and VIP none. The current help pages give no figure for the base rate. SEPA costs EUR 0.90 per EURC deposit or per withdrawal, and USDC deposits cost an extra 0.15%.

In Core, the first virtual card is free in DE/AT/CH according to the help pages and the physical card costs $ 50. Luxe requires 5k points a month and Pinnacle 25k points. Alternatively, Liquid holdings ($ 15000 and $ 100000 respectively), staked ETHFI (30k and 150k) or an annual purchase for $ 199 and $ 999 count too. Points reset monthly. The help pages list VIP through $ 500000 in Liquid or 500k staked ETHFI, not through points or an annual purchase. At ATMs, all tiers have $ 5000 per withdrawal, five attempts and $ 25000 in 24 hours. Core and Luxe include up to ten free withdrawals a month, Pinnacle and VIP unlimited ones.

Non-custodial reduces the risk of an exchange account but shifts wallet, smart contract and liquidity risks to the user. The account protection listed in the help table is not live yet. Comparing the columns through the Core row alone underestimates differences in caps, FX and points.

Whether a referral link gives you anything, what APY the app shows and what risks Earn carries is covered in the guide to the ether.fi referral code.

In Direct comparison of ether.fi Cash vs MetaMask Card Saveback, FX and custody of the entry levels are in direct comparison - without ranking.

If you want Saveback without a ladder and without membership points, compare them Gnosis Pay Card with 0% saveback and weekly gCRC limits. All column values ​​— FX, Cap, ATM and Points — are in the tier table, not just in the core row.

Compare alternatives

02

Pros

  • Non-custodial Vault: according to its help pages, ether.fi cannot move your funds
  • Saveback at entry level 3%
  • EUR Trader: 0% FX Markup (Beta)
  • SEPA at EUR 0.90 per EURC deposit or per withdrawal
  • Apple Pay / Google Pay

Cons

  • Cashback drops along the monthly ladder (Core from $ 2000, EUR purchases from $ 800)
  • Saveback in ETHFI: the price moves, with a seven-day lock
  • Luxe and Pinnacle require membership points or an annual purchase
  • Other currencies: base rate plus up to 0.5% in Core
  • Physical Core card costs $50
  • Private key cannot be exported yet
03

Suitable for whom?

  • If the card should be attached to your own wallet (non-custodial).
  • If documented issuance without a card price matters to you ($0 virtual · $50 physical).
  • If entry level saveback is important to you (3%).
  • Recorded country scope: Germany, Austria and Switzerland (DE/AT/CH). This is separate from spending abroad.

Who is it not for?

  • If you expect unlimited saveback. Cap: $2k, EUR $800 · 1% / 0.5–0.1%.
  • If you need 0% FX markup. FX: 0% EUR · otherwise base rate + up to 0.5%.

Guides

Sources & notes

Review details13 Sources · Methodology

You can also find the sources for individual information directly in the respective characteristics area.

  1. ether.fiether.fi · retrieved 2026-09-07
  2. ether.fi Cash — countriesether.fi · retrieved 2026-11-01
  3. ether.fi Cash — cashbackether.fi · retrieved 2026-11-01
  4. ether.fi Cash — limits and feesether.fi · retrieved 2026-11-01
  5. ether.fi Cash — cardholder agreementether.fi · retrieved 2026-08-15
  6. ether.fi Cash — benefitsether.fi · retrieved 2026-11-01
  7. ether.fi Cash — KYCether.fi · retrieved 2026-11-01
  8. ether.fi Cash — EUR 0% FXether.fi · retrieved 2026-11-01
  9. ether.fi Cash — Vaultether.fi · retrieved 2026-11-01
  10. ether.fi Cash — FX rateether.fi · retrieved 2026-11-01
  11. ether.fi Cash — first virtual card by regionether.fi · retrieved 2026-11-01
  12. ether.fi Cash — SEPAether.fi · retrieved 2026-11-01
  13. ether.fi Cash — membership levelsether.fi · retrieved 2026-11-01

For the complete methodology