ether.fi CashVISA

ether.fi Cash

Issued via Third National · Card currency USD

Custody: Self-custody
Network: Visa
Card types: Virtual + physical
Card product: Secured by crypto
Wallets: Apple Pay, Google Pay

Spending is backed by crypto you lock as collateral. No credit check, no interest.

Partly verified · 6 of 13 key facts · last checked 15 Oct 2026 · aging

Facts reviewed by Andrew L.

Review

What it is

ether.fi Cash is a crypto card that comes as a virtual and a physical card. Spending is backed by crypto you lock as collateral. No credit check, no interest. It is issued by Third National. Payments run on the Visa network. The card currency is USD.

Funding and spending

You keep your keys, and the card spends from your own wallet. It is funded with crypto. It can be funded with 2 assets: USDC and ETH.

Fees

The card issuance fee is free to USD 10, depending on country for the virtual card and USD 50 for the physical card. The foreign currency fee is 1%. The FX markup is 0%. Some of these fees have conditions, which are listed in the fees table on this page. We have not verified the annual fee, monthly fee, crypto conversion spread, top-up fee and ATM withdrawal fee yet.

Limits and rewards

You can withdraw cash at ATMs. ATM withdrawal limit per day: USD 5,000. It pays 3% back on card spend. It works with Apple Pay and Google Pay.

Signing up

You can apply in 90 countries. That includes 35 in Europe, 21 in North America and 15 in Asia. The physical card ships to 88 countries.

How we check

We last checked this card on 15 Oct 2026, against 7 official issuer pages. The tables below show the source and the check date of every value we have verified. Facts not listed here are unknown so far.

Tiers compared

Fees, limits and the reward rate for each tier. A cell that says Not verified has no checked figure yet.
Fee or limit	Pinnacle	VIP	Core	Luxe
Card issuance	Not verified	Not verified	Free to USD 50, depending on conditions	Not verified
FX markup	0%	0%	Not verified	Not verified
Back on card spend	3%	Not verified	3%	3%

Fees, limits and the reward rate for each tier. A cell that says Not verified has no checked figure yet.

Pros and cons of ether.fi Cash

Pros

Low foreign exchange fee: 1%
The virtual card is free to issue
3% back on spending
Self-custody: you keep control of your funds
You can apply in 90 countries
Works with Apple Pay and Google Pay

Cons

7 of 13 key facts are not verified yet

Who it suits

People who want to keep control of their own keys
Frequent travellers, as foreign exchange fees are low
People who want cashback on everyday spending

Built only from facts we have verified. Anything we have not verified is left out.

Fees

Amounts in the card currency, as the issuer publishes them

Virtual card issuance

Tier: Core

Free

Core members normally receive one free virtual card; regional pricing may apply instead.

Checked 03 Oct 2026agingsource

Virtual card issuance

Tier: Core · Angola, Argentina, Bangladesh and 11 more

USD 10

First virtual card; regional pricing.

Checked 03 Oct 2026agingsource

Physical card issuance

Tier: Core

USD 50

Core includes no free physical card, so the fee applies when you order one. Card fees may vary by region.

Checked 03 Oct 2026agingsource

Annual fee

Unknown

Monthly fee

Unknown

Foreign currency (FX)

Charged on payments in a currency other than the card currency.

Base foreign transaction fee ("FX Base Rate") on purchases in currencies other than USD, from the international card terms. The US cardholder agreement is a separate program and states no rate. Core and Luxe tier members can pay an additional fee on top.

Checked 04 Oct 2026agingsource

Crypto conversion spread

Charged when crypto is converted into the card currency.

Unknown

ATM withdrawal

Unknown

Top-up

Unknown

Inactivity

Unknown

Card replacement

Unknown

FX markup

A margin added on top of the exchange rate when a payment is converted.

Tier: Pinnacle

Added FX markup on top of the prevailing FX base rate (about 1%)

Checked 02 Oct 2026aging

FX markup

A margin added on top of the exchange rate when a payment is converted.

Tier: VIP

Added FX markup on top of the prevailing FX base rate (about 1%)

Checked 02 Oct 2026aging

FX markup

A margin added on top of the exchange rate when a payment is converted.

Tier: Core

Varies

Up to an additional 50bps on top of the FX Base Rate (a maximum, exact rate not stated).

Checked 03 Oct 2026agingsource

FX markup

A margin added on top of the exchange rate when a payment is converted.

Tier: Luxe

Varies

Up to an additional 25bps on top of the FX Base Rate (a maximum, exact rate not stated).

Checked 03 Oct 2026agingsource

Limits

Daily spend

Unknown

Monthly spend

Unknown

ATM per day

USD 5,000

Rolling 24 hours, maximum five withdrawals, for Core, Luxe, and Pinnacle.

Checked 06 Oct 2026agingsource

ATM per withdrawal

USD 1,000

Per ATM withdrawal for Core, Luxe, and Pinnacle.

Checked 06 Oct 2026agingsource

Top-up per day

Unknown

Rewards

No country limit

No token staking needed

Tier Referral purchases (category)Back on card spend

Referral (affiliate) purchases; the same 1 percent rate applies across all membership tiers (Core, Luxe, Pinnacle, VIP).

Verified 22 Oct 2026source

Tier CoreBack on card spend

First 2,000 USD of monthly USD spend or first 800 USD equivalent of monthly EUR spend. Later spend earns lower rates.

Checked 06 Oct 2026agingsource

Tier LuxeBack on card spend

First 10,000 USD of monthly USD spend or first 3,000 USD equivalent of monthly EUR spend. Later spend earns lower rates.

Checked 06 Oct 2026agingsource

Tier PinnacleBack on card spend

First 50,000 USD of monthly USD spend or first 16,000 USD equivalent of monthly EUR spend. Later spend earns lower rates.

Checked 06 Oct 2026agingsource

Top-up assets and networks

What the card spends from

The card spends USDC held in the wallet, or USDC borrowed against ETH or other approved cryptoassets held in the wallet.

Checked 03 Oct 2026agingsource

ETHNetwork not stated
Checked 03 Oct 2026agingsource
USDCNetwork not stated
Checked 03 Oct 2026agingsource

Access and funding

Identity check (KYC)

Not verified

ATM withdrawals

Yes

You can withdraw cash at ATMs. The fees and limits above and below set the cost and the caps.

Checked 07 Oct 2026agingsource

Reloadable

Not verified

Top-up methods

Not verified

Where it's available

Applying, shipping and using the card are tracked separately. A card can work in a country that it doesn't ship to.

Every country below was checked against the same source:Checked 02 Oct 2026agingsource

Country

Can apply

Physical card ships

Card works

🇦🇩 AndorraListed as a country where a physical Cash card is available

Yes

Unknown

🇦🇴 AngolaListed as a country where a physical Cash card is available

Yes

Unknown

🇦🇬 Antigua & BarbudaListed as a country where a physical Cash card is available

Yes

Unknown

🇦🇷 ArgentinaListed as a country where a physical Cash card is available

Yes

Unknown

🇦🇺 AustraliaListed as a country where a physical Cash card is available

Yes

Unknown

🇦🇹 AustriaListed as a country where a physical Cash card is available

Yes

Unknown

🇧🇸 BahamasListed as a country where a physical Cash card is available

Yes

Unknown

🇧🇭 BahrainListed as a country where a physical Cash card is available

Yes

Unknown

🇧🇩 BangladeshListed as a country where a physical Cash card is available

Yes

Unknown

🇧🇧 BarbadosListed as a country where a physical Cash card is available

Yes

Unknown

🇧🇪 BelgiumEligible region, physical card delivery not currently available

Yes

Unknown

🇧🇿 BelizeListed as a country where a physical Cash card is available

Yes

Unknown

🇧🇴 BoliviaListed as a country where a physical Cash card is available

Yes

Unknown

🇧🇷 BrazilListed as a country where a physical Cash card is available

Yes

Unknown

🇻🇬 British Virgin IslandsListed as a country where a physical Cash card is available

Yes

Unknown

🇧🇬 BulgariaListed as a country where a physical Cash card is available

Yes

Unknown

🇨🇦 CanadaListed as a country where a physical Cash card is available

Yes

Unknown

🇰🇾 Cayman IslandsListed as a country where a physical Cash card is available

Yes

Unknown

🇨🇱 ChileListed as a country where a physical Cash card is available

Yes

Unknown

🇨🇴 ColombiaListed as a country where a physical Cash card is available

Yes

Unknown

🇨🇷 Costa RicaListed as a country where a physical Cash card is available

Yes

Unknown

🇭🇷 CroatiaListed as a country where a physical Cash card is available

Yes

Unknown

🇨🇾 CyprusListed as a country where a physical Cash card is available

Yes

Unknown

🇨🇿 CzechiaListed as a country where a physical Cash card is available

Yes

Unknown

🇩🇰 DenmarkListed as a country where a physical Cash card is available

Yes

Unknown

🇩🇲 DominicaListed as a country where a physical Cash card is available

Yes

Unknown

🇩🇴 Dominican RepublicListed as a country where a physical Cash card is available

Yes

Unknown

🇪🇨 EcuadorListed as a country where a physical Cash card is available

Yes

Unknown

🇸🇻 El SalvadorListed as a country where a physical Cash card is available

Yes

Unknown

🇫🇷 FranceListed as a country where a physical Cash card is available

Yes

Unknown

🇩🇪 GermanyListed as a country where a physical Cash card is available

Yes

Unknown

🇬🇮 GibraltarListed as a country where a physical Cash card is available

Yes

Unknown

🇬🇷 GreeceListed as a country where a physical Cash card is available

Yes

Unknown

🇬🇹 GuatemalaListed as a country where a physical Cash card is available

Yes

Unknown

🇬🇬 GuernseyListed as a country where a physical Cash card is available

Yes

Unknown

🇬🇾 GuyanaListed as a country where a physical Cash card is available

Yes

Unknown

🇭🇳 HondurasListed as a country where a physical Cash card is available

Yes

Unknown

🇭🇰 Hong KongListed as a country where a physical Cash card is available

Yes

Unknown

🇭🇺 HungaryListed as a country where a physical Cash card is available

Yes

Unknown

🇮🇸 IcelandListed as a country where a physical Cash card is available

Yes

Unknown

🇮🇩 IndonesiaListed as a country where a physical Cash card is available

Yes

Unknown

🇮🇪 IrelandEligible region, physical card delivery not currently available

Yes

Unknown

🇮🇲 Isle of ManListed as a country where a physical Cash card is available

Yes

Unknown

🇮🇹 ItalyListed as a country where a physical Cash card is available

Yes

Unknown

🇯🇵 JapanListed as a country where a physical Cash card is available

Yes

Unknown

🇯🇪 JerseyListed as a country where a physical Cash card is available

Yes

Unknown

🇱🇻 LatviaListed as a country where a physical Cash card is available

Yes

Unknown

🇱🇮 LiechtensteinListed as a country where a physical Cash card is available

Yes

Unknown

🇱🇹 LithuaniaListed as a country where a physical Cash card is available

Yes

Unknown

🇱🇺 LuxembourgListed as a country where a physical Cash card is available

Yes

Unknown

🇲🇾 MalaysiaListed as a country where a physical Cash card is available

Yes

Unknown

🇲🇻 MaldivesListed as a country where a physical Cash card is available

Yes

Unknown

🇲🇹 MaltaListed as a country where a physical Cash card is available

Yes

Unknown

🇲🇽 MexicoListed as a country where a physical Cash card is available

Yes

Unknown

🇲🇨 MonacoListed as a country where a physical Cash card is available

Yes

Unknown

🇳🇿 New ZealandListed as a country where a physical Cash card is available

Yes

Unknown

🇳🇬 NigeriaListed as a country where a physical Cash card is available

Yes

Unknown

🇳🇴 NorwayListed as a country where a physical Cash card is available

Yes

Unknown

🇴🇲 OmanListed as a country where a physical Cash card is available

Yes

Unknown

🇵🇼 PalauListed as a country where a physical Cash card is available

Yes

Unknown

🇵🇦 PanamaListed as a country where a physical Cash card is available

Yes

Unknown

🇵🇾 ParaguayListed as a country where a physical Cash card is available

Yes

Unknown

🇵🇪 PeruListed as a country where a physical Cash card is available

Yes

Unknown

🇵🇭 PhilippinesListed as a country where a physical Cash card is available

Yes

Unknown

🇵🇱 PolandListed as a country where a physical Cash card is available

Yes

Unknown

🇵🇹 PortugalListed as a country where a physical Cash card is available

Yes

Unknown

🇵🇷 Puerto RicoListed as a country where a physical Cash card is available

Yes

Unknown

🇷🇴 RomaniaListed as a country where a physical Cash card is available

Yes

Unknown

🇸🇦 Saudi ArabiaListed as a country where a physical Cash card is available

Yes

Unknown

🇸🇨 SeychellesListed as a country where a physical Cash card is available

Yes

Unknown

🇸🇬 SingaporeListed as a country where a physical Cash card is available

Yes

Unknown

🇸🇰 SlovakiaListed as a country where a physical Cash card is available

Yes

Unknown

🇸🇮 SloveniaListed as a country where a physical Cash card is available

Yes

Unknown

🇿🇦 South AfricaListed as a country where a physical Cash card is available

Yes

Unknown

🇰🇷 South KoreaListed as a country where a physical Cash card is available

Yes

Unknown

🇪🇸 SpainListed as a country where a physical Cash card is available

Yes

Unknown

🇰🇳 St Kitts & NevisListed as a country where a physical Cash card is available

Yes

Unknown

🇱🇨 St LuciaListed as a country where a physical Cash card is available

Yes

Unknown

🇻🇨 St Vincent & the GrenadinesListed as a country where a physical Cash card is available

Yes

Unknown

🇸🇷 SurinameListed as a country where a physical Cash card is available

Yes

Unknown

🇸🇪 SwedenListed as a country where a physical Cash card is available

Yes

Unknown

🇨🇭 SwitzerlandListed as a country where a physical Cash card is available

Yes

Unknown

🇹🇼 TaiwanListed as a country where a physical Cash card is available

Yes

Unknown

🇹🇭 ThailandListed as a country where a physical Cash card is available

Yes

Unknown

🇹🇹 Trinidad & TobagoListed as a country where a physical Cash card is available

Yes

Unknown

🇹🇨 Turks & Caicos IslandsListed as a country where a physical Cash card is available

Yes

Unknown

🇦🇪 United Arab EmiratesListed as a country where a physical Cash card is available

Yes

Unknown

🇬🇧 United KingdomListed as a country where a physical Cash card is available

Yes

Unknown

🇺🇾 UruguayListed as a country where a physical Cash card is available

Yes

Unknown

🇻🇺 VanuatuListed as a country where a physical Cash card is available

Yes

Unknown

No information for 157 countries yet

Frequently asked questions about ether.fi Cash

Who issues ether.fi Cash?

ether.fi Cash is issued by Third National. Payments run on the Visa network.

Is ether.fi Cash a virtual or a physical card?

ether.fi Cash comes as both a virtual and a physical card. The physical card ships to 88 countries.

Can I withdraw cash from an ATM with ether.fi Cash?

Yes. You can withdraw cash at ATMs.

Does ether.fi Cash work with Apple Pay and Google Pay?

It works with Apple Pay and Google Pay.

Which crypto can I use with ether.fi Cash?

It can be funded with 2 assets: USDC and ETH.

What does ether.fi Cash charge on payments in a foreign currency?

The foreign currency fee is 1%. The FX markup is 0%. The conditions are listed in the fees table on this page.

Does ether.fi Cash pay cashback?

Yes. It pays 3% back on card spend.

What are the spending and ATM limits of ether.fi Cash?

ATM withdrawal limit per day: USD 5,000.

In which countries can I apply for ether.fi Cash?

You can apply in 90 countries. That includes 35 in Europe, 21 in North America and 15 in Asia.

Sources

Fees pageWhat are the transaction limits and fees for personal cash credit cardshelp.ether.fiChecked 07 Oct 2026
Fees pageWhat's the fx markup on cash transactionshelp.ether.fiPage no longer available, checked 18 Oct 2026
Fees pageEur purchases 0 fx ratehelp.ether.fi
Fees pageWhy is there a 10 fee for my first virtual cash cardhelp.ether.fiChecked 03 Oct 2026
Supported countriesIn which countries is the cash card availablehelp.ether.fiChecked 03 Oct 2026
Rewards termsHow does cashback workhelp.ether.fiChecked 05 Oct 2026
Rewards termsWhat are the benefits of a personal cash credit cardhelp.ether.fiChecked 15 Oct 2026
Other official pageCredit cardshelp.ether.fi
Cardholder termsEther.fi cash cardholder agreement inc. u.s.etherfi.gitbook.io
Cardholder termsEther.fi cash cardholder agreement inc. internationaletherfi.gitbook.ioChecked 04 Oct 2026
Cardholder termsEther.fi cash cardholder agreement ltd. internationaletherfi.gitbook.io
Other official pageHow do i set or change my card pinhelp.ether.fi
Rewards termsEther.fi cash cashback rewards program u.s. and internationaletherfi.gitbook.io

ether.fi Cash

Review

What it is

Funding and spending

Fees

Limits and rewards

Signing up

How we check

Tiers compared

Pros and cons of ether.fi Cash

Pros

Cons

Who it suits

Fees

Limits

Rewards

Top-up assets and networks

Access and funding

Where it's available

Frequently asked questions about ether.fi Cash

Who issues ether.fi Cash?

Is ether.fi Cash a virtual or a physical card?

Can I withdraw cash from an ATM with ether.fi Cash?

Does ether.fi Cash work with Apple Pay and Google Pay?

Which crypto can I use with ether.fi Cash?

What does ether.fi Cash charge on payments in a foreign currency?

Does ether.fi Cash pay cashback?

What are the spending and ATM limits of ether.fi Cash?

In which countries can I apply for ether.fi Cash?

Sources

Compare ether.fi Cash with