Neobank rankings

Top Crypto Neobanks (2026), Ranked and Tested

Scored on real FX cost, custody, KYC depth, funding rails and whether the app is genuinely usable day to day.

Quick answer

#1 Coca Card: 1.18% FX spread (independently verified), last verified 20 Oct 2026; #2 EtherFi: 0.51% FX spread (independently verified), last verified 20 Oct 2026; #3 Ethena Pay: 1% FX spread (independently verified), last verified 20 Oct 2026.

Reviewed by Tristyn Pawson, Crypto Neobank Expert, 5+ yrs experienceLast verified: October 2026
Tested with real money by Tristyn Pawson, Cardify Crypto.
  1. 1.CoCoca Card

    Coca Cardhighest overall score

    Non-custodial wallet, stablecoin cashback, and the strongest all-round economics in the test. Measured spread 1.18%, 1% in usdc, paid on the 10th, non-custodial wallet architecture.

    1.18% FX spread · 1% in USDC, paid on the 10th · Non-Custodial

  2. 2.EtEtherFi

    EtherFiscored 9.2/10

    The instant 3% cashback card. EtherFi does everything you need for a crypto card. Measured spread 0.51%, 3% instant, non-custodial wallet architecture.

    0.51% FX spread · 3% instant · Non-Custodial

  3. 3.EtEthena Pay

    Ethena Payscored 8.5/10

    I've been testing Ethena Pay for the last couple of days, and it feels (almost) premium. It's in Beta, As soon as it's on Android and includes a few of its promised upcoming features, this will be a 9/10. Measured spread 1%, 4%, non-custodial (no option to see keys until deleting account wallet architecture.

    1% FX spread · 4% · Non-Custodial (no option to see keys until deleting account

How we score crypto neobanks

A neobank is more than its card. We weight the measured FX spread most heavily, then custody model, onboarding friction and documents requested, funding options and settlement speed, spend and ATM limits, and finally rewards. Marketing claims count for nothing until a live transaction confirms them.

Scores move as products change. Every card carries a last verified date, and anything older than a month is re-checked before it stays in the ranking.

How we benchmark FX rates and feesExpand

Every card is funded from the same wallet and used for the same benchmark purchase on the same day, so the only variable left is the card itself.

  1. Record the mid-market rate at the moment of purchase.
  2. Run an identical low-value transaction on every card, screenshotting the deduction.
  3. Subtract the mid-market cost from the deducted amount to get the gross spread.
  4. Deduct any cashback actually received to get the net cost.
  5. Log setup time, KYC documents requested, top-up speed and ATM terms separately.

Read the full testing methodology

Compare cards

Crypto neobanks ranked by overall score

35 cards

Side by side comparison

Crypto cards compared by FX spread, cashback, custody and setup time
#CardFX spreadCard costBase cashbackCustodySetup timeScore
1Coca Card1.18%Free1% in USDC, paid on the 10thNon-Custodial~8 minutes9.2/10
2EtherFi0.51%Free3% instantNon-Custodial~8 minutes9.2/10
3Ethena Pay1%04%Non-Custodial (no option to see keys until deleting account10 minutes8.5/10
4XPlace1%Free1% + 1%Non-Custodial~10 minutes8.5/10
5Oobit1%Free1% (up to 10% on tiers)Non-Custodial~7 minutes8.2/10
6Wirex One1.18%Free0.5% paid in stablesSelf-Custodial~12 minutes8.1/10
7Krak0%$00% (first cashback unlocks at $200 portfolio)Custodial~20 minutes8/10
8Cashi0%FreeNo cashbackCustodial7 minutes7.9/10
9MiniPay0%Free (Code Gated for now)5% cashbackNon-Custodial~8 minutes7.8/10
10Jupiter Card1.8%02%Self-Custodial10 minutes7.7/10
11DPT Pay1%$10No cashbackCustodial~8 minutes7.5/10
12Bybit Card2.9%Free2% paid in pointsCustodialFast to apply, but heavily gated for South African applicants7.4/10
13Plasma One1%Free, 30EUR for Physical2Non-custodial10 minutes7.4/10
14Bfinance Card1.5%$1 (added straight to balance, so its free)No cashbackCustodial10 minutes7.4/10
15RedotPay2.53%$10No cashbackCustodial~12 minutes7.2/10
16Send0%FreeNo cashbackSelf-Custodial5 minutes7.2/10
17Solid1%Free3Custodial8 minutes7/10
18PayitFast1%Virtual Visa Platinum $5; Physical PVC Visa Signature $503% in USDCNon-CustodialAbout 3 min (ID + face scan KYC)7/10
19Bitget Wallet0.51%Virtual: Free | Physical: $49 processing & shippingFull FX fee refunded as cashbackNon-Custodial~10 minutes7/10
20EasyOnRamp1.3%Free for Physical and VirtualNo cashbackCustodialMulti-hour approval process7/10
21Pulsar1%Free (Pro $10/month optional)0.5% in Points (Free, first $500, then 0.25%); 4% in Points on ProNon-custodial (as stated by Pulsar)5-10 minutes6.8/10
22Avici1.15%Virtual Platinum is $15; Virtual Signature is $30/year; No cashbackNon-Custodial~10 minutes6.8/10
23UPay Wallet1.5%$103% cashbackCustodial10 minutes6.5/10
24Karta2.5%$5No cashbackNon-Custodial6 minutes6.4/10
25Kast2%$21.5%, locked for 14 daysCustodial~10 minutes6.3/10
26Gnosis App0%Virtual is Free; Physical Visa card is €305% cashbackSelf-Custodial20 minutes6/10
27KazePay2.17%$25No cashbackNon-Custodial~15 minutes5.8/10
28Infini3%102%Custodial20 minutes5/10
29Stella Pay0%FreeNo cashbackCustodial1 Day5/10
30Offgrid0%$49/yr - $197/yrNo cashbackSelf-custodyOnce you have a code, 5 minutes5/10
31Nexo Card0.2%Free. Virtual needs $50 balance; physical free incl. shipping with Gold tier and $5,000+ portfolio0.5% in NEXO or 0.1% in BTC (Base tier, Credit Mode, $5,000+ balance)CustodialVirtual card activates almost instantlyNot rated yet
32Coinbase Card0%$0Variable crypto rewards, rate shown in app (US only)CustodialNot rated yet
33MetaMask Card1%Virtual free; Metal $199/year (replacement $99)1% in mUSD (Virtual)Self-custodialVirtual activates instantlyNot rated yet
34Tevau Card1.2%Virtual $20, Plastic $100 (one-time)None publishedCustodialVirtual card issued in the app after approvalNot rated yet
35WhiteBIT Nova USD Card1.5%FreeUp to 10% by category, capped at $25 a monthCustodialVirtual card after KYC and card application in the appNot rated yet
Crypto neobanks ranked by overall score
#CardFX spreadCard costBase cashbackCustodySetup timeScore
1Coca Card1.18%Free1% in USDC, paid on the 10thNon-Custodial~8 minutes9.2/10
2EtherFi0.51%Free3% instantNon-Custodial~8 minutes9.2/10
3Ethena Pay1%04%Non-Custodial (no option to see keys until deleting account10 minutes8.5/10
4XPlace1%Free1% + 1%Non-Custodial~10 minutes8.5/10
5Oobit1%Free1% (up to 10% on tiers)Non-Custodial~7 minutes8.2/10
6Wirex One1.18%Free0.5% paid in stablesSelf-Custodial~12 minutes8.1/10
7Krak0%$00% (first cashback unlocks at $200 portfolio)Custodial~20 minutes8/10
8Cashi0%FreeNo cashbackCustodial7 minutes7.9/10

Crypto neobank questions, answered

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+