Crypto.comCrypto.com Prepaid
57
Side-by-side card comparison
Crypto.com Prepaid vs Payy: overall score versus use-case fit
Payy Card has the higher Overall Score by 5 points (62 vs 57). Crypto.com Prepaid Card looks stronger for Cashback and Travel, while Payy Card comes out ahead for Funds control, Lowest fees, and Transfers.
Information checked Aug 14, 202619 official sources reviewed
01 · Overall score versus use-case fit
Payy Card is the better all-round starting point
Payy Card has the higher Overall Score in this comparison. Crypto.com Prepaid Card may be the better fit for Cashback and Travel. A score cannot tell you whether a provider will accept your application or whether every feature will be available where you live, so check the latest provider terms before signing up.
OverallCrypto.com Prepaid57Payy62Higher score
CashbackCrypto.com Prepaid31Payy17Higher score
TravelCrypto.com Prepaid57Payy27Higher score
Funds controlCrypto.com Prepaid40Payy97Higher score
Lowest feesCrypto.com Prepaid48Payy57Higher score
TransfersCrypto.com Prepaid47Payy68Higher score
Choose Crypto.com Prepaid Card if cashback and travel matter most
Crypto.com Prepaid Card comes out ahead for Cashback and Travel in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Prepaid spend from a loaded balance
- Level Up tiers can raise CRO rewards
- Several card top-up paths
Choose Payy Card if funds control and lowest fees matter most
Payy Card comes out ahead for Funds control, Lowest fees, and Transfers in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Self-custody wallet control
- No monthly or transaction fee
- Instant virtual Visa with phone wallets
Where each card has the edge
The overall leader does not win every use case, so the reason you want the card matters here.
- Overall Score
- Crypto.com Prepaid57Payy62
Payy Card has the higher Overall Score by 5 points.
- Entry cost & FX
- Crypto.com Prepaid$0 plan · 0–3% FXPayy$0 plan · 1–3% FX
The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option.
- Purchase rewards
- Crypto.com Prepaid0% base · up to 5%Payy0% cashback
Both cards show the same base cashback rate of 0%.
- Funds control
- Crypto.com PrepaidCustodial balancePayySelf-controlled wallet
Crypto.com Prepaid Card uses a custodial balance setup, while Payy Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- Crypto.com PrepaidVirtual + Physical · Apple Pay, Google PayPayyVirtual · Apple Pay, Google Pay
Crypto.com Prepaid Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Crypto.com Prepaid0 stablecoins · US card-to-card sendPayy1 stablecoin · Stablecoin transfers; Payy payment links
Payy Card lists more stablecoins and ways to send money out (3 vs 1).
02 · Read the shortlist
A closer look at the split decision
Start with the strengths that drive each use-case result, then test them against costs and access.
- Cashback
- 0%-5%
- Plan cost
- $0
- FX fee
- 0–3%
- ATM fee
- 0–2%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 2 crypto · 2 fiat
- Payout methods
- 0 crypto · 0 fiat
- Cashback
- 0%
- Plan cost
- $0
- FX fee
- 1–3%
- ATM fee
- Not available
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 1 fiat
- Payout methods
- 1 crypto · 0 fiat
03 · Compare the details
See how the trade-offs line up
Comparable figures receive a marker; missing or unverified details stay visible instead of becoming an assumed advantage.
Best known Not disclosed
CardsCrypto.com Prepaid CardOverall57Payy CardOverall62
Crypto.com Prepaid CardOverall57Payy CardOverall62Scores
6 fields- Overall Score
- Crypto.com Prepaid Card57Payy Card62
- Cashback score
- Crypto.com Prepaid Card31Payy Card17
- Travel score
- Crypto.com Prepaid Card57Payy Card27
- Funds control score
- Crypto.com Prepaid Card40Payy Card97
- Lowest fees score
- Crypto.com Prepaid Card48Payy Card57
- Transfers score
- Crypto.com Prepaid Card47Payy Card68
Strengths & trade-offs
2 fields- Strengths
- Crypto.com Prepaid CardPrepaid spend from a loaded balance, Level Up tiers can raise CRO rewardsPayy CardSelf-custody wallet control, No monthly or transaction fee
- Trade-offs
- Crypto.com Prepaid CardFees vary by method, tier and region, Spending uses a Crypto.com prepaid balancePayy CardFX can reach 3%, Cash and physical access are constrained
Costs
7 fields- Plan cost
- Crypto.com Prepaid Card$0Payy Card$0
- FX fee
- Crypto.com Prepaid Card0–3%Payy Card1–3%
- Top-up fee
- Crypto.com Prepaid Card2.99%Payy Card0%
- Card spending fee
- Crypto.com Prepaid CardNot disclosedPayy Card0%
- ATM fee
- Crypto.com Prepaid Card0–2%Payy CardNot available
- Virtual card
- Crypto.com Prepaid CardAvailable for online use; separate virtual-card fee not listedPayy CardFree; instant after KYC
- Physical card
- Crypto.com Prepaid CardUS first physical card: Midnight $4.99; Ruby $29.99; other listed US Visa cards $0Payy CardNot disclosed
Plans
2 fields- Available plans
- Crypto.com Prepaid Card5 plans: Basic, Plus, Pro, Private Icy/Rose +1Payy CardNot disclosed
- Top cashback plan
- Crypto.com Prepaid CardPrivate Obsidian: 5%Payy CardNot disclosed
Everyday use
8 fields- Network
- Crypto.com Prepaid CardVisa/MastercardPayy CardVisa/Other network
- Card formats
- Crypto.com Prepaid CardVirtual, PhysicalPayy CardVirtual
- ATM withdrawals
- Crypto.com Prepaid CardAvailablePayy CardNot available
- Mobile wallets
- Crypto.com Prepaid CardApple Pay, Google PayPayy CardApple Pay, Google Pay
- Apps
- Crypto.com Prepaid CardiOS, AndroidPayy CardiOS, Android
- Daily spending limit
- Crypto.com Prepaid CardUS Midnight $10,000/day; US Ruby and higher $25,000/day; Europe EUR 25,000/dayPayy CardNot disclosed
- Monthly spending limit
- Crypto.com Prepaid CardUS Midnight $15,000/month; US Ruby and higher $25,000/month; Europe EUR 25,000/month; Europe EUR 250,000/yearPayy CardNot disclosed
- ATM limit
- Crypto.com Prepaid CardMonthly free ATM allowance by tier: midnight $200; ruby $400; jade Royal $800; icy Rose Obsidian $1,000; then 2%Payy CardNot disclosed
Funding & transfers
5 fields- Networks
- Crypto.com Prepaid CardNot disclosedPayy CardPolygon, Payy Network
- Crypto deposits
- Crypto.com Prepaid CardOther crypto: BTC, ETHPayy CardStablecoins: USDC
- Fiat deposits
- Crypto.com Prepaid CardUS prepaid card top-up, EU / UK prepaid card top-upPayy CardBank-account deposit
- Transfers
- Crypto.com Prepaid CardUS card-to-card sendPayy CardStablecoin transfers; Payy payment links
- Payout currencies
- Crypto.com Prepaid CardNot disclosedPayy CardNot disclosed
Rewards
3 fields- Base cashback
- Crypto.com Prepaid Card0%Payy Card0%
- Max cashback
- Crypto.com Prepaid Card5%Payy Card0%
- Reward currency
- Crypto.com Prepaid CardCRO rewardsPayy CardNo cashback
Earn
5 fields- Advertised APY
- Crypto.com Prepaid CardNot offeredPayy CardNot offered
- How it works
- Crypto.com Prepaid CardNot offeredPayy CardNot offered
- Separate deposit
- Crypto.com Prepaid CardNot offeredPayy CardNot offered
- Use balance for spending
- Crypto.com Prepaid CardNot offeredPayy CardNot offered
- Lock-up
- Crypto.com Prepaid CardNot offeredPayy CardNot offered
Trust & availability
5 fields- Custody
- Crypto.com Prepaid CardCustodialPayy CardSelf-custody
- Control until payment
- Crypto.com Prepaid CardProvider controls fundsPayy CardYou keep control
- Card issuer
- Crypto.com Prepaid CardCommunity Federal Savings Bank, Foris MT Limited, ForisGFS UK Limited +2Payy CardThird National / Rain
- Card processing
- Crypto.com Prepaid CardNot disclosedPayy CardRain
- Programme operator
- Crypto.com Prepaid CardCrypto.com, Foris, Inc.Payy CardNot disclosed
Sources
2 fields- Official sources
- Crypto.com Prepaid Card14Payy Card5
- Last reviewed
- Crypto.com Prepaid CardAug 14, 2026Payy CardAug 5, 2026
04 · The trade-off
Payy Card is the stronger all-round choice
Payy Card finishes ahead with an Overall Score of 62 versus 57 for Crypto.com Prepaid Card. The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. Both cards show the same base cashback rate of 0%.
Crypto.com Prepaid Card still comes out ahead for Cashback and Travel, which may matter more than the overall result if that is how you plan to use the card. Crypto.com Prepaid Card uses a custodial balance setup, while Payy Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
Payy Card lists more stablecoins and ways to send money out (3 vs 1). Before applying, confirm availability in your country and recheck the provider's current fees and reward conditions.
If one card now looks like the better fit, you can check the latest application terms on the provider site or read our full Crypto.com Prepaid Card and Payy Card reviews first.
Continue with
Crypto.com Prepaid Card
Continue with
Payy Card
05 · Common questions
Crypto.com Prepaid vs Payy FAQ
Is Crypto.com Prepaid or Payy better overall?
Payy Card has the higher Overall Score (62 vs 57). That does not make it better for everyone: your preferred fees, rewards, way of holding funds and country availability can change the practical choice.
Which has lower fees, Crypto.com Prepaid or Payy?
The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Crypto.com Prepaid or Payy?
Both cards show the same base cashback rate of 0%. Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Crypto.com Prepaid and Payy differ on custody?
Crypto.com Prepaid Card uses a custodial balance setup, while Payy Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Crypto.com Prepaid vs Payy comparison?
The latest information check for these two cards was August 14, 2026, using 19 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.