Yearly cost at three spending levels
| Monthly spend | ether.fi Cash | Bitget Wallet |
|---|---|---|
| $500 | ≤ +$180 Core | ≤ +$99.60 Base |
| $2,000 | ≤ +$720 Core | ≤ +$398.40 Base |
| $5,000 | ≤ +$720 Core | ≤ +$996 Base |
Net value per year: cashback minus conversion, FX, ATM and fixed fees. US dollars, 20% foreign spending, one $200 ATM withdrawal a month. The card cost calculator runs the same comparison with your own habits.
Where the money goes at $2,000 a month
| Line | ether.fi Cash Core | Bitget Wallet Base |
|---|---|---|
| Top-up and conversion fees | Not disclosed | $0 |
| Spending fees | Not disclosed | $0 |
| Foreign exchange markup | Not disclosed | -$81.60 |
| ATM fees | Not disclosed | Not disclosed |
| Annual, monthly and subscription fees | $0 | $0 |
| Cashback | +$720 | +$480 |
| Net per year | +$720 | +$398.40 |
Fees
ether.fi Cash charges Not disclosed to convert or top up and Not disclosed on spending in a foreign currency. Bitget Wallet charges 0% and 1.7%.
ATM withdrawals: ether.fi Cash not disclosed; Bitget Wallet no atm access (virtual card only).
A virtual card costs nothing with ether.fi Cash and $0.10 with Bitget Wallet. A physical card costs an undisclosed fee and an undisclosed fee. Neither card has an annual fee on its base tier.
Cashback and rewards
ether.fi Cash cashback: 3% to 4%. Bitget Wallet cashback: 2% to 3%.
ether.fi Cash tiers: Core: 3% on the first $2,000 a month; Luxe: 3% on the first $10,000 a month; Pinnacle: 3% on the first $50,000 a month; VIP: 4% on the first $50,000 a month.
Bitget Wallet tiers: Base: 2%; Booster: 3%.
ether.fi Cash: 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.
Bitget Wallet: Cashback (called assetback) is paid into your choice of Bitcoin, gold, USDC or tokenized US stocks. Small gas fees apply to on-chain transactions.
Availability and KYC
ether.fi Cash does not publish a country list. ether.fi does not publish a country list. In Argentina, Angola, Bangladesh, Bolivia, Colombia, Ecuador, Indonesia, Malaysia, Mexico, Nigeria, Peru, the Philippines, South Africa and Thailand the first virtual card costs $10.
Bitget Wallet is offered in 41 countries, including France, Germany, Ireland, Italy, Netherlands, Portugal, Spain, United Kingdom, Argentina and Brazil. This entry covers the virtual card issued through Immersve in the EEA, the UK and Latin America. Bitget Wallet also offers cards in Asia (DCS Card Centre, with a physical card), mainland China (Fiat24) and South Africa on different terms.
ether.fi Cash needs full KYC and Bitget Wallet needs full KYC.
The card finder checks both cards against your country, KYC level and must-have features.
Limits, wallets and card types
ether.fi Cash publishes ATM withdrawals of up to $5,000 a day.
Bitget Wallet does not publish fixed spending or ATM limits.
ether.fi Cash works with Apple Pay and Google Pay, and Bitget Wallet works with Apple Pay and Google Pay. Bitget Wallet issues a virtual card you can use straight away.
Custody and safety
ether.fi Cash scores 60/100. Licensing: we could not confirm a licence for the card issuer on its own website. No incidents or enforcement actions found in the last 36 months. ether.fi describes Cash as a non-custodial account. Some fees, including the FX margin and the ATM fee on Core, are not published as fixed figures.
Bitget Wallet scores 65/100. Licensing: we could not confirm a licence for the card issuer on its own website. No incidents or enforcement actions found in the last 36 months. Bitget Wallet names its regional card issuers (Immersve for Europe and Latin America) but does not publish their licences on its card pages.
Full reports: ether.fi Cash safety check and Bitget Wallet safety check.
About each card
ether.fi Cash Card is a self-custody Visa card from ether.fi. It tops up with USDC and ETH.
Bitget Wallet Card (Europe and Latin America) is a self-custody Mastercard from Bitget Wallet (issued through Immersve). It tops up with USDC and USDT.
Which card fits you
ether.fi Cash fits if
- You want a higher cashback ceiling (up to 4%).
Bitget Wallet fits if
- You spend in foreign currencies often, since its FX markup is lower.
- Most of your spending is in your home currency, where its lower conversion fee counts most.
- You weigh licensing and fund segregation heavily, since it scores higher on our safety check.
Read more: ether.fi Cash fees and details · Bitget Wallet fees and details