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EEther.fi Cash Card logo

Ether.fi Cash Card

Updated: Sep 16, 2026

The Ether.fi Cash Card is a Visa credit card connected to an ether.fi non-custodial crypto asset account. Users can pay directly with USDC or LiquidUSD held in a Vault, or borrow USDC against eligible crypto assets to fund purchases. The card is available as a virtual card, plastic physical card, and metal card. It can be used for online shopping, in-store card payments, mobile wallets, and ATM withdrawals, with up to 3% USDC cashback based on membership tier.
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Card network
Product type
Crypto-collateral credit card
Card form
Virtual + physical card / Virtual + metal card
Operating status
Active
KYC level
Full KYC
Commercial relationship
No commercial relationship
Risk score
80-89
Supported assets
USDTUSDCETHUSDEEEETH
Last updated
Sep 16, 2026

Official and company information

Issuer identity and company credentials

Ether.Fi SEZC is a special economic zone company established under the laws of the Cayman Islands, responsible for the ether.fi website, applications, membership system, and Cash service entry point. The international card program is co-managed by Ether.Fi Cash Ltd., and US-related accounts are provided by Ether.Fi Cash Inc. The actual card issuer is Third National, and cards are issued under a Visa license. The card issuer does not participate in the asset custody, collateral, or lending transactions of the ether.fi protocol; related on-chain services are completed by users with independent DeFi protocols.
Visit website Application page
Company / issuer
Ether.fi
Legal name
Baanx Group LTD
Registered region
Cayman Islands (KY)
Headquarters
United Kingdom
Company type
Program manager
Verification status
Verified
Issuer website
Official link
Application page
Application link

Card overview

After joining the free ether.fi The Club and completing full KYC, users can apply for a Cash virtual card or physical card. Direct Pay mode debits USDC from the Vault first, followed by LiquidUSD. Borrow Mode uses eligible assets such as wETH, weETH, USDT, USDC, ETHFI, and eBTC as collateral to obtain a USDC spending limit through DeFi lending protocols. Card transactions are processed through the Visa network, and the card issuer is independent of the ether.fi protocol and its non-custodial wallet service. The product has four membership tiers: Core, Luxe, Pinnacle, and invitation-only VIP. The tiers differ in card materials, the number of free cards, daily spending limits, exchange-rate markup, and membership benefits. Borrow Mode is subject to borrowing rates, changes in collateral ratios, and asset liquidation risk.
Visa card experienceRegional availabilityTerms may change
Notice: No additional notice is available.

Usage scale & trends

Usage data is not available for this card yet. It will appear here when available.

Card variants and fee differences

Compare verified fee records across card forms and tiers

Drag or swipe anywhere in the table to view every card; labels stay fixed

ether.fi Cash Core Card
ether.fi Cash Luxe Card
ether.fi Cash Pinnacle Card
ether.fi Cash VIP Card
Card formVirtual + physical cardVirtual + physical cardVirtual + metal cardVirtual + physical card
Fees
Monthly fee
Free
Free for members, no ongoing monthly fee.
Free
Free for members, no ongoing monthly fee
Free
Free for members, no ongoing monthly fee
Free
Free for members, no ongoing monthly fee
Card issuance fee
50 USD
First card free; 50 USD including delivery; additional 10 USD.
10 USD
First 4 cards and first card free; additional 10 USD, 100 USD. First card free shipping.
10 USD
First 10 cards and first 2 cards free; additional 10 USD, 100 USD
Free
And first 2 cards free, only for invited members
ATM fee
2%
Charged per withdrawal amount.
2%
Charged per ATM withdrawal
2%
Charged per ATM withdrawal
2%
Specific limit according to account settings
Foreign exchange fee
0.5%
Calculated based on transaction currency; fee between 0% and 0.5%.
0.25%
Calculated on transaction currency, range 0%–0.25%
Free
No additional foreign exchange markup
Free
No additional foreign exchange markup
Top-up fee————
Failed transaction fee
Free
Declined transactions do not deduct funds.
Free
Declined transactions incur no charge
Free
Declined transactions incur no charge
Free
Declined transactions incur no charge
Rewards
Cashback————
Crypto cashback
3%
Decreases with cumulative monthly spending; cashback rate between 0.5% and 3%.
3%
Tiered decreasing by spend, range 0.5%–3%
3%
Tiered decreasing by high spend, range 0.5%–3%
0%
Member-exclusive cashback, rate determined by invitation benefits
Staking rewards————
Staking APR————
Welcome bonus————
Referral bonus
10%
Calculated based on referred user activity; referrer receives 1% of referred user's cashback and 10% of deposit points.
10%
1% cashback on spending and 10% top-up points, calculated based on referred user activity
1%
1% cashback on spending and 10% top-up points, calculated based on referred user activity
0.99%
1% cashback on spending and 10% top-up points, calculated based on referred user activity
Limits
Daily spending limit
30,000 USD
Actually controlled by self-set limits.
50,000 USD
Actually controlled by self-set limits
100,000 USD
Actually controlled by self-set limits
—
Monthly spending limit————
ATM withdrawal limit
1,500 USD
500 USD per transaction; 1,500 USD per 24 hours; maximum three withdrawals per day.
1,500 USD
500 USD per transaction; 1,500 USD per 24 hours; maximum three withdrawals per day
1,500 USD
500 USD per transaction; 1,500 USD per 24 hours; maximum three withdrawals per day
—
Card network
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Fees may vary by region, card tier, and official policy. Verify the latest official terms.

Regions and language support

Application status based on public sources, official policy, and user reports. This is not application advice.

Available regions

Applications or normal card activation are supported

75
PeruPEBarbadosBBSwedenSEIrelandIEGermanyDESingaporeSGBulgariaBGCroatiaHRSwitzerlandCHGreeceGRHong KongHKDenmarkDKPortugalPTTurks & Caicos IslandsTCSloveniaSIGuatemalaGTGuyanaGYLithuaniaLTCyprusCYPolandPLSpainESGibraltarGIBritish Virgin IslandsVGUruguayUYIcelandISUnited KingdomGBAntigua & BarbudaAGGuernseyGGHondurasHNAustriaATEcuadorECPanamaPASurinameSRGrenadaGDJapanJPBahamasBSBelizeBZParaguayPYCayman IslandsKYSouth AfricaZANew ZealandNZTrinidad & TobagoTTAndorraADMalaysiaMYUnited StatesUSItalyITLuxembourgLUDominican RepublicDOSt. Kitts & NevisKNTaiwanTWThailandTHCosta RicaCRMexicoMXUnited Arab EmiratesAERomaniaROIndonesiaIDSt. Vincent & GrenadinesVCBoliviaBOFranceFRPuerto RicoPRBrazilBRMaltaMTSaudi ArabiaSASt. LuciaLCSlovakiaSKArgentinaARCanadaCANorwayNOAustraliaAUEl SalvadorSVDominicaDMSouth KoreaKRMonacoMCJerseyJECzechiaCZ
Evidence
Officially supported

Unsupported or restricted regions

Applications or features are unavailable or restricted

40
North DakotaWashingtonMissouriCubaCUMontanaSyriaSYGeorgiaTürkiyeTRMississippiIraqIQVermontMarylandUkraineUADelawareSouth DakotaChinaCNLouisianaOhioArizonaIsraelILPhilippinesPHVietnamVNEstoniaEETennesseeNepalNPWisconsinFinlandFIBangladeshBDNorth KoreaKPRussiaRUOregonBelarusBYHungaryHUVenezuelaVENevadaIndiaINRhode IslandIdahoNetherlandsNLNew Mexico
Evidence
Officially restricted

Unconfirmed regions

Evidence is insufficient

0

No records

Evidence
Public sources

Availability in English-Speaking Markets

1. United States：Can apply，Can use，U.S. residents can apply only in currently supported states and must complete KYC and verify a valid residential address.
2. United Kingdom：Can apply，Can use，The United Kingdom is included in the current Cash Card coverage, and residents must complete identity and address verification before issuance.
3. Canada：Cannot apply，Can use，Ether.fi’s current Terms exclude Canadian residents and citizens from its services, while a Cash Card issued to an eligible user elsewhere can still be used in Canada.
4. Australia：Can apply，Can use，Australia is included in the current issuance coverage, and residents can obtain the card after completing the required identity and residential-address verification.
5. South Africa：Can apply，Can use，South Africa is included in the current Cash Card coverage, and residents must pass KYC and provide valid residence information before issuance.
6. New Zealand：Can apply，Can use，New Zealand is included in the current issuance coverage, with eligibility requiring successful identity and residential-address verification.
7. Ireland：Can apply，Can use，Ireland is a supported issuance country and residents can obtain the virtual card after KYC, but physical card delivery is currently unavailable there.

Updated: Sep 16, 2026

Policies may change at any time. Verify the latest issuer policy.

KYC requirements

Current identity-verification requirements and restrictions

KYC required

YesRequired

KYC level

Full KYCRequirement confirmed

Proof of address

YesRequired

Accepted documents

Passport / National ID card / Driver's license / Utility bill / Bank statement / Credit card statement

Review time / regional limits

Can pass quickly if documents are complete; mismatched address or identity information triggers manual compliance review.

KYC provider

Not disclosed

Updated

Aug 3, 2026

Payment compatibility

Support status and update date by payment scenario · Actual availability may vary by region, merchant, and issuer policy

Compatibility overview12 scenarios
Supported12
Not supported0
UpdatedAug 3, 2026

Wallet payments

Alipay

Supported

Aug 3, 2026

Wallet payments

Apple Pay

Supported

Aug 3, 2026

Cash services

ATM withdrawal

Supported

Aug 3, 2026

AI tools

ChatGPT

Supported

Aug 3, 2026

AI tools

Claude

Supported

Aug 3, 2026

Wallet payments

Google Pay

Supported

Aug 3, 2026

AI tools

Midjourney

Supported

Aug 3, 2026

In-person payments

Offline POS

Supported

Aug 3, 2026

Online shopping

Online shopping

Supported

Aug 3, 2026

Wallet payments

PayPal

Supported

Aug 3, 2026

Subscriptions

Subscription payment

Supported

Aug 3, 2026

Wallet payments

WeChat Pay

Supported

Aug 3, 2026

Review

Read the editorial review, its verdict and latest update.

No review yet

No review has been published for this card. Published reviews appear here.

User reviews

Showing 10 approved reviews matched to this card

Newest first
frequency_vision_liangziapp_store★ 5 / 5

Convenient and smooth

Powered by cutting-edge Web3 technology, the ether.fi card is all you need for your financial needs.
View original
CriptoInvesttrustpilot★ 1 / 5

Etherfi is a scam

I paid for my card but I've never received anything then I ask to the customer service to give my money back. I am still waiting but in my opinion I'I've lost the money. Fraudulent Business stay away!!!!!!
View original
That-reviewer-guyapp_store★ 5 / 5

Amazing Crytpo Card

Super easy to use with best rates
View original
3xpl015mapp_store★ 5 / 5

Good until the fees stay low

Good if you don’t have a local card of zero fx card. For me it’s 1.5% but is covered in cashback twice. So far so good. I don’t like their kyc provider since it worked for my wife but didn’t for me. That’s absurd
View original
Chief Freedomapp_store★ 4 / 5

Solana Deposits

Please introduce Solana Deposits.
View original
九天一万app_store★ 5 / 5

非常丝滑

使用起来很流畅，汇率很高
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Mrhuxtapp_store★ 5 / 5

很好用的神卡

功能齐全 使用方便
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timtrustpilot★ 5 / 5

Beste Karte auf dem Markt

Man kann aktuell sagen, dass diese Karte die beste auf dem Markt ist. 3% auf alle Ausgaben und mitunter die niedrigsten Auslandsgebühren von 0,XX% (die sich durchs Cashback eh rausstreichen). Man bekommt auch keine blöden Punkte, sondern direkt USD, die man wieder ausgeben kann. Einen Rat muss ich aber geben: sie ist dennoch nicht für Leute geeignet, die gar keine Ahnung von Krypto haben, da das hier nicht mit einem Bankkonto gleichzusetzen ist.
View original

Risk factors

Updated: Jul 19, 2026

No risk factors are available

Compare Ether.fi Cash Card

Frequently asked questions

Answers drawn from the published record on this page.

Does Ether.fi Cash Card require KYC?

Our record lists the Ether.fi Cash Card verification requirement as: Full KYC. Document and review details are in the KYC section of this page.

Does Ether.fi Cash Card support Apple Pay and Google Pay?

Apple Pay: Supported. Google Pay: Supported.

Which assets can I top up Ether.fi Cash Card with?

Our record lists Ether.fi Cash Card support for: USDT, USDC, ETH, USD, and EETH.

Is Ether.fi Cash Card a virtual or a physical card?

Ether.fi Cash Card is offered as: Virtual + physical card and Virtual + metal card.

Where is Ether.fi Cash Card available?

Our record lists 75 countries or regions as available and 40 as restricted. Country-by-country status is in the regions section of this page.

Who issues Ether.fi Cash Card?

Ether.fi Cash Card is operated by Ether.fi on the Visa network.