Head to head
Tevau Card vs Ethena Pay
Both cards run on the same benchmark test, so this compares deducted cost rather than advertised rates.
| Metric | Te Tevau Card | Et Ethena Pay |
|---|---|---|
| Overall rank | #27 of 35 | #1 of 35 |
| FX spread | 1.2% | 1% |
| Base cashback | None published | 4% |
| Custody | Custodial | Non-Custodial (no option to see keys until deleting account |
| Virtual card | $20 one-time fee | Yes, Free |
| Physical card | $100 one-time fee (Plastic) | No |
| Spend limit | ||
| ATM withdrawals | 1.9% (physical card only) | |
| Setup time | Virtual card issued in the app after approval | 10 minutes |
| KYC steps | 1 | 5 |
| Score | Not rated yet | 8.5/10 |
Tevau Card
Tevau is a simple USDT Visa card, and the fees are all out in the open. FX is 1.2% on non-USD spend. Spend in USD and it's $0.20 + 0.5% per transaction. Every top-up costs 1% on top. You also pay $20 for a virtual card or $100 for plastic just to get started. ATM withdrawals are 1.9% and only on the physical card. These are Tevau's own published numbers. We haven't funded and tested this one yet.
Ethena Pay
Crypto Card Review: Ethena Pay I've been testing Ethena Pay for the last couple of days, and it feels (almost) premium. It's in Beta and nearly ready for public launch; here are my first thoughts. Positives: - Non-USD FX Fee: 1% (cashback negates and beats this) - 4% Cashback on all purchases is sweet (up to 5% w/Pro) - UI is possibly the best among all cards I've tested - Personal US/EUR/GBP IBAN accounts - Insights page showing spending by categories and earning breakdowns - 5% APY - Instant deposits with limited Fees Negatives: - Apple Only (for now) - Multiple "Coming Soon" features - Non-custodial, but no way to see your keys without deleting your account. Rating: 7.5/10 As soon as it's on Android and includes a few of its promised upcoming features, this will be a 9/10.
Who ranks these cards
I'm Tristyn Pawson, founder of ConsistenC.xyz. Over the last five years I've worked on marketing, development and growth across five crypto cards and neobanks, building at least three of them from scratch.
Alongside that I've run in-depth research on 20+ crypto banks to understand what actually makes someone keep a card in their wallet. These rankings reflect that: which problems are tolerable, and which ones are genuine deal breakers.
- Years in market
- 5
- Cards built on
- 5
- Neobanks researched
- 20+