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Visa · Self-custody · Full KYC · Virtual and Physical

ether.fi Cash Card: Fees, Limits and Cashback

ether.fi Cash Card is a self-custody Visa card from ether.fi that does not publish its conversion fee. The FX markup on foreign-currency spending is 1.5%, and cashback is 3%, or up to 4% on higher tiers. There is no annual fee. It is offered in 91 countries.

Verified September 25, 2026Issued by ether.fi
75/100
Overall rating
91
Countries offered
Free
Annual fee
Not disclosed
Conversion fee
1.5%
FX markup
3% to 4%
Cashback
60/100
Safety score · Good

ether.fi Cash pros and cons

Pros

  • No annual or monthly fee
  • 3% cashback, up to 4% on higher tiers
  • Self-custody: funds stay in your wallet until you pay
  • Works with Apple Pay and Google Pay
  • Free virtual card
  • Safety score 60/100 (Good)

Cons

  • Conversion fee not published
  • 1.5% FX markup on foreign-currency spending

ether.fi Cash fees and limits

Virtual cardFree
Physical cardNot disclosed
Annual feeFree
Monthly feeNone
Crypto conversion feeNot disclosed
FX markup1.5%
Fee on purchases in USDNot disclosed
ATM withdrawalsNot disclosed
Daily spending limitNot disclosed
Monthly spending limitNot disclosed
Daily ATM limit$5,000
Card currencyUSD

"Not disclosed" means ether.fi Cash does not publish the figure. Fees are read from the issuer's own pages, linked under Sources.

ether.fi Cash cashback and rewards

TierRatePaid inMonthly spend capRequirement
Core3%Not stated$2,000None
Luxe3%Not stated$10,0005,000 ether.fi loyalty points
Pinnacle3%Not stated$50,00025,000 ether.fi loyalty points
VIP4%Not stated$50,000Invitation only

Membership levels also add category cashback (10% to 30% on AI, streaming and food, capped monthly), travel discounts and account balance protection against smart contract exploits of $10,000 to $500,000, which is not deposit insurance.

What ether.fi Cash costs over a year

Yearly cost: conversion, FX, ATM and fixed fees minus cashback, with US dollars as the home currency, 20% of spending abroad and one $200 ATM withdrawal a month. A minus sign means cashback outweighs fees.

Monthly spendingYearly costTier used
$500≥ -$162Core
$2,000≥ -$648Core
$5,000≥ -$540Core

Run it with your own numbers in the card cost calculator.

ether.fi Cash Apple Pay, Google Pay and ATM withdrawals

ether.fi Cash works with Apple Pay and Google Pay. ATM withdrawals: not disclosed, up to $5,000 a day. It runs on Visa, so it works wherever that network is accepted, online and in shops.

Where ether.fi Cash is available

ether.fi Cash is offered in the 91 countries below. ether.fi lists these jurisdictions. In the US the card is available in 31 states and Washington D.C. only. Belgium and Ireland are eligible, but physical cards are not delivered there. In some countries (including Argentina, Indonesia, Mexico, Nigeria and the Philippines) the first virtual card costs $10.

Supported countries (91)
  • Andorra
  • Angola
  • Antigua & Barbuda
  • Argentina
  • Australia
  • Austria
  • Bahamas
  • Bahrain
  • Bangladesh
  • Barbados
  • Belgium
  • Belize
  • Bolivia
  • Brazil
  • British Virgin Islands
  • Bulgaria
  • Canada
  • Cayman Islands
  • Chile
  • Colombia
  • Costa Rica
  • Croatia
  • Cyprus
  • Czechia
  • Denmark
  • Dominica
  • Dominican Republic
  • Ecuador
  • El Salvador
  • France
  • Germany
  • Gibraltar
  • Greece
  • Guatemala
  • Guernsey
  • Guyana
  • Honduras
  • Hong Kong
  • Hungary
  • Iceland
  • Indonesia
  • Ireland
  • Isle of Man
  • Italy
  • Japan
  • Jersey
  • Latvia
  • Liechtenstein
  • Lithuania
  • Luxembourg
  • Malaysia
  • Maldives
  • Malta
  • Mexico
  • Monaco
  • New Zealand
  • Nigeria
  • Norway
  • Oman
  • Palau
  • Panama
  • Paraguay
  • Peru
  • Philippines
  • Poland
  • Portugal
  • Puerto Rico
  • Romania
  • Saudi Arabia
  • Seychelles
  • Singapore
  • Slovakia
  • Slovenia
  • South Africa
  • South Korea
  • Spain
  • St. Kitts & Nevis
  • St. Lucia
  • St. Vincent & Grenadines
  • Suriname
  • Sweden
  • Switzerland
  • Taiwan
  • Thailand
  • Trinidad & Tobago
  • Turks & Caicos Islands
  • United Arab Emirates
  • United Kingdom
  • United States
  • Uruguay
  • Vanuatu

The crypto card finder lists every card we track by country.

Topping up ether.fi Cash

ether.fi Cash tops up with USDC and ETH. The conversion fee is not published. The card is self-custody, so funds stay in your wallet until you pay.

Coins it accepts: USDC, Ethereum

How to get the ether.fi Cash card

  1. Check that you live in a country where ether.fi Cash is offered (see the list above).
  2. Download the ether.fi Cash app and complete identity verification with a government ID and a selfie check.
  3. Top up with USDC and ETH.
  4. Issue the virtual card for free and add it to Apple Pay or Google Pay.
  5. Order the physical card if you need ATM withdrawals or chip and PIN payments.

Who the ether.fi Cash card suits

  • Wallet users who want funds to stay in their own wallet until they pay.
  • Everyday spenders who want cashback without a subscription: the base rate is 3%.

ether.fi Cash overall rating

ether.fi Cash rates 75/100 in our crypto card ranking.

FactorDetailPoints
Reach91 countries27 / 40
Yearly cost-$648 a year at $2,000 a month30 / 30
Safety60/10018 / 30

Is ether.fi Cash safe?

ether.fi Cash scores 60/100 (Good) in our safety check. Issuer: ether.fi. Licence details are not published.

ether.fi describes Cash as a non-custodial account. The ATM fee on Core is not published as a fixed figure.

Full ether.fi Cash safety report

Compare ether.fi Cash with other cards

ether.fi Cash also appears in

Frequently asked questions

What are the ether.fi Cash card fees?
ether.fi Cash charges a conversion fee it does not publish, a 1.5% FX markup on foreign-currency spending, no annual fee. The virtual card is free. Its ATM fee is listed in the fees table on this page.
Is ether.fi Cash available in the US?
Yes. ether.fi lists these jurisdictions. In the US the card is available in 31 states and Washington D.C. only. Belgium and Ireland are eligible, but physical cards are not delivered there. In some countries (including Argentina, Indonesia, Mexico, Nigeria and the Philippines) the first virtual card costs $10.
Does ether.fi Cash have cashback?
Yes. ether.fi Cash pays 3% to 4%. Membership levels also add category cashback (10% to 30% on AI, streaming and food, capped monthly), travel discounts and account balance protection against smart contract exploits of $10,000 to $500,000, which is not deposit insurance.
What is the ether.fi Cash ATM withdrawal fee?
ether.fi Cash does not publish its full ATM fee.
Does ether.fi Cash work with Apple Pay and Google Pay?
Yes. ether.fi Cash supports both Apple Pay and Google Pay.
Is ether.fi Cash safe?
ether.fi Cash scores 60/100 (Good) in our safety check, which looks at licensing, custody, fund segregation, proof of reserves and incident history. Keeping only what you plan to spend on any crypto card is a sensible habit.

Sources

  1. ether.fi Cash fees · checked September 24, 2026
  2. ether.fi Cash availability · checked September 25, 2026
  3. ether.fi Cash cashback · checked September 24, 2026
  4. ether.fi Cash terms and licensing · checked September 24, 2026