HolyheldHolyheld
75
Side-by-side card comparison
Holyheld vs Binance: fees, rewards and account setup
Holyheld Card has the higher Overall Score by 17 points (75 vs 58). Holyheld Card also looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers. The details below show where Binance Card may still be the better personal fit.
Information checked Aug 12, 202640 official sources reviewed
01 · Make the first cut
Holyheld Card is the better all-round starting point
Holyheld Card has the higher Overall Score in this comparison. Binance Card may still suit you better if its card format, way of holding funds or availability is the deciding factor. 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.
OverallHolyheld75Binance58Higher score
CashbackHolyheld64Binance37Higher score
TravelHolyheld68Binance36Higher score
Funds controlHolyheld74Binance47Higher score
Lowest feesHolyheld67Binance56Higher score
TransfersHolyheld81Binance75Higher score
Choose Holyheld Card if cashback and travel matter most
Holyheld Card comes out ahead for Cashback, Travel, 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 crypto before card top-up
- Virtual, physical and metal Mastercard
- Personal IBAN and SEPA transfers
Choose Binance Card if its day-to-day setup suits you
Binance Card does not lead one of the use-case scores here, but it can still be the right choice when its costs, rewards and day-to-day setup match how you plan to use it. The other card looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers, so compare that advantage with the features you would actually use.
- Spend supported Binance crypto balances
- Google Pay support
- Cashback can rise by tier
The differences that could change the result
The overall score points one way, but a specific use case or product condition may point another.
- Overall Score
- Holyheld75Binance58
Holyheld Card has the higher Overall Score by 17 points.
- Entry cost & FX
- Holyheld$0 plan · Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency FXBinance$0 plan · 2–3% FX
Binance Card has the lower published FX fee (2–3% vs Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency).
- Purchase rewards
- Holyheld0.5% base · up to 1%Binance1.5% base · up to 3%
Binance Card has the higher published base cashback rate (1.5% vs 0.5%).
- Funds control
- HolyheldHybrid custodyBinanceCustodial balance
Holyheld Card uses a hybrid custody setup, while Binance Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- HolyheldVirtual + Physical · Apple Pay, Google PayBinanceVirtual · Google Pay
Holyheld Card lists more card formats and phone-wallet options (4 vs 2).
- Money movement
- Holyheld2 stablecoins · Stablecoin transfers; Outgoing SEPA transferBinance3 stablecoins · Stablecoin transfers; Binance account fiat withdrawal
Binance Card lists more stablecoins and ways to send money out (5 vs 4).
02 · Read the shortlist
A closer look at the two cards
These quick facts cover the costs, rewards and everyday features most likely to shape your choice. Use the full table below when you want the finer details.
- Cashback
- 0.5%-1%
- Plan cost
- $0
- FX fee
- Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency
- ATM fee
- Up to EUR 2 + 2.5%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 2 crypto · 1 fiat
- Payout methods
- 3 crypto · 1 fiat
- Cashback
- 1.5%-3%
- Plan cost
- $0
- FX fee
- 2–3%
- ATM fee
- Not disclosed
- Card formats
- Virtual
- Wallet payments
- Google Pay
- Receive methods
- 1 crypto · 1 fiat
- Payout methods
- 1 crypto · 0 fiat
Partner links may earn us a commission. Read our affiliate disclosure for how these links work.
03 · Compare the details
Compare the details side by side
We highlight a better number only when both cards publish values that can be compared fairly. Anything missing stays clearly marked.
Best known Not disclosed
CardsHolyheld CardOverall75Binance CardOverall58
Holyheld CardOverall75Binance CardOverall58Scores
6 fields- Overall Score
- Holyheld Card75Binance Card58
- Cashback score
- Holyheld Card64Binance Card37
- Travel score
- Holyheld Card68Binance Card36
- Funds control score
- Holyheld Card74Binance Card47
- Lowest fees score
- Holyheld Card67Binance Card56
- Transfers score
- Holyheld Card81Binance Card75
Strengths & trade-offs
2 fields- Strengths
- Holyheld CardSelf-custody crypto before card top-up, Virtual, physical and metal MastercardBinance CardSpend supported Binance crypto balances, Google Pay support
- Trade-offs
- Holyheld CardCountry eligibility is incomplete, Foreign spend can be expensiveBinance CardSpending follows the Binance account model, Virtual-only card
Costs
7 fields- Plan cost
- Holyheld Card$0Binance Card$0
- FX fee
- Holyheld CardUp to 5.5% + EUR 1; actual pricing depends on transaction geography and currencyBinance Card2–3%
- Top-up fee
- Holyheld Card0%Binance CardNot disclosed
- Card spending fee
- Holyheld Card€0.50Binance CardNot disclosed
- ATM fee
- Holyheld CardUp to EUR 2 + 2.5%Binance CardNot disclosed
- Virtual card
- Holyheld CardLimited Edition virtual card: EUR 99; Classic includes virtual accessBinance CardVirtual card up to 15 minutes after approval; 0 USD issuance fee
- Physical card
- Holyheld CardClassic: EUR 29; Metal: EUR 199Binance CardGlobal Program virtual-only; Brazil physical card is a separate regional branch
Plans
2 fields- Available plans
- Holyheld Card3 plans: Classic, Limited Edition, MetalBinance Card3 plans: Tier 1, Tier 2, Tier 3
- Top cashback plan
- Holyheld CardMetal: 1%Binance CardTier 3: 3%
Everyday use
8 fields- Network
- Holyheld CardMastercardBinance CardMastercard
- Card formats
- Holyheld CardVirtual, PhysicalBinance CardVirtual
- ATM withdrawals
- Holyheld CardAvailableBinance CardNot disclosed
- Mobile wallets
- Holyheld CardApple Pay, Google PayBinance CardGoogle Pay
- Apps
- Holyheld CardiOS, Android, WebBinance CardiOS, Android
- Daily spending limit
- Holyheld CardEUR 10,000 dailyBinance CardShown in app
- Monthly spending limit
- Holyheld CardEUR 25,000 monthly; EUR 250,000 annuallyBinance CardShown in app
- ATM limit
- Holyheld CardEUR 1,000 per 24 hours; EUR 5,000 per 30 daysBinance CardNot disclosed
Funding & transfers
5 fields- Networks
- Holyheld CardEthereum, Arbitrum, Base, Optimism, Polygon, Gnosis +2Binance CardNot disclosed
- Crypto deposits
- Holyheld CardStablecoins: USDC, USDTBinance CardOther crypto: Supported crypto
- Fiat deposits
- Holyheld CardPersonal EUR IBANBinance CardBinance account bank deposit
- Transfers
- Holyheld CardStablecoin transfers; Outgoing SEPA transferBinance CardStablecoin transfers; Binance account fiat withdrawal
- Payout currencies
- Holyheld CardEURBinance CardNot disclosed
Rewards
3 fields- Base cashback
- Holyheld Card0.5%Binance Card1.5%
- Max cashback
- Holyheld Card1%Binance Card3%
- Reward currency
- Holyheld CardUSDCBinance CardUSDC or BTC equivalent cashback (country-dependent)
Earn
5 fields- Advertised APY
- Holyheld CardNot disclosedBinance CardNot offered
- How it works
- Holyheld CardOptional earn vaultBinance CardNot offered
- Separate deposit
- Holyheld CardYesBinance CardNot offered
- Use balance for spending
- Holyheld CardNot disclosedBinance CardNot offered
- Lock-up
- Holyheld CardNoBinance CardNot offered
Trust & availability
5 fields- Custody
- Holyheld CardHybrid custodyBinance CardCustodial
- Control until payment
- Holyheld CardProvider controls fundsBinance CardProvider controls funds
- Card issuer
- Holyheld CardUnlimit EU LtdBinance CardImmersve Limited
- Identity verification
- Holyheld CardSumsub / IdenfyBinance CardNot disclosed
- Programme operator
- Holyheld CardHolyheld Labs AGBinance CardNot disclosed
Sources
2 fields- Official sources
- Holyheld Card28Binance Card12
- Last reviewed
- Holyheld CardAug 12, 2026Binance CardAug 5, 2026
04 · The takeaway
Holyheld Card is the stronger all-round choice
Holyheld Card finishes ahead with an Overall Score of 75 versus 58 for Binance Card. Binance Card has the lower published FX fee (2–3% vs Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency). Binance Card has the higher published base cashback rate (1.5% vs 0.5%).
Binance Card can still be the more comfortable choice if its availability, card setup or way of holding funds suits you better. Holyheld Card uses a hybrid custody setup, while Binance Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
Binance Card lists more stablecoins and ways to send money out (5 vs 4). 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 Holyheld Card and Binance Card reviews first.
Continue with
Holyheld Card
Continue with
Binance Card
05 · Common questions
Holyheld vs Binance FAQ
Is Holyheld or Binance better overall?
Holyheld Card has the higher Overall Score (75 vs 58). 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, Holyheld or Binance?
Binance Card has the lower published FX fee (2–3% vs Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Holyheld or Binance?
Binance Card has the higher published base cashback rate (1.5% vs 0.5%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Holyheld and Binance differ on custody?
Holyheld Card uses a hybrid custody setup, while Binance Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Holyheld vs Binance comparison?
The latest information check for these two cards was August 12, 2026, using 40 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.