HolyheldHolyheld
75
Side-by-side card comparison
Holyheld vs Decaf
Holyheld Card has the higher Overall Score by 11 points (75 vs 64). Holyheld Card also looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers. The details below show where Decaf Card may still be the better personal fit.
Latest check Oct 19, 202649 official sources reviewed
Holyheld Card
Best fit
- Moving crypto from your wallet into EUR for everyday Mastercard spending.
- Using a personal IBAN and SEPA transfers alongside a EUR card balance.
- Buying a card once without a recurring paid membership or token lock.
Before you choose
- Foreign fees can reach 5.5% + €1, depending on geography and currency.
- USDC cashback becomes claimable after 30 days; it is not immediately spendable.
- New personal applications need an invitation and individual approval.
Decaf Card
Best fit
- Spending USDC received on Solana or Stellar through a separate card load.
- Using the virtual Visa for Apple Pay and Google Pay purchases.
- Receiving bank payments as USDC before allocating funds to the card.
Before you choose
- Virtual issuance costs $5; physical cards cost $10–$90 by region.
- US international fees are 1%; the non-USD international FX ceiling is 2%.
- Card collateral can be liquidated; US withdrawals require prior notice.
Fees & features
Compare the details
Best markers compare published, comparable values. Unknown values never win a row.
Best known Not disclosed
CardsHolyheld CardOverall75Decaf CardOverall64
Holyheld CardOverall75Decaf CardOverall64Scores
- Overall Score
- Holyheld Card75Decaf Card64
- Cashback score
- Holyheld Card64Decaf Card29
- Travel score
- Holyheld Card68Decaf Card60
- Funds control score
- Holyheld Card74Decaf Card63
- Lowest fees score
- Holyheld Card67Decaf Card57
- Transfers score
- Holyheld Card81Decaf Card70
Costs
- Plan cost
- Holyheld Card$0Decaf Card$0
- FX fee
- Holyheld CardUp to 5.5% + EUR 1; actual pricing depends on transaction geography and currencyDecaf Card1–2%
- Top-up fee
- Holyheld Card0%Decaf CardCard-load fee unknown; parent-account bank deposits have separate charges
- Card spending fee
- Holyheld Card€0.50Decaf CardNot disclosed
- ATM fee
- Holyheld CardUp to EUR 2 + 2.5%Decaf Card0% Decaf markup
- Virtual card
- Holyheld CardLimited Edition virtual card: EUR 99; Classic includes virtual accessDecaf Card$5
- Physical card
- Holyheld CardClassic: EUR 29; Metal: EUR 199Decaf Card$90 international / $10 US
Plans
- Available plans
- Holyheld Card3 plans: Classic, Limited Edition, MetalDecaf CardNot disclosed
- Top cashback plan
- Holyheld CardMetal: 1%Decaf CardNot disclosed
Everyday use
- Network
- Holyheld CardMastercardDecaf CardVisa
- Card formats
- Holyheld CardVirtual, PhysicalDecaf CardVirtual, Physical
- ATM withdrawals
- Holyheld CardAvailableDecaf CardNot disclosed
- Mobile wallets
- Holyheld CardApple Pay, Google PayDecaf CardApple Pay, Google Pay
- Apps
- Holyheld CardiOS, Android, WebDecaf CardiOS, Android, Web
- Daily spending limit
- Holyheld CardEUR 10,000 dailyDecaf CardNot disclosed
- Monthly spending limit
- Holyheld CardEUR 25,000 monthly; EUR 250,000 annuallyDecaf CardNot disclosed
- ATM limit
- Holyheld CardEUR 1,000 per 24 hours; EUR 5,000 per 30 daysDecaf Card$250 per withdrawal; up to 3 withdrawals daily
Funding & transfers
- Networks
- Holyheld CardEthereum, Arbitrum, Base, Optimism, Polygon, Gnosis +2Decaf CardSolana, Stellar
- Crypto deposits
- Holyheld CardStablecoins: USDC, USDTDecaf CardStablecoins: USDC
- Fiat deposits
- Holyheld CardPersonal EUR IBANDecaf CardUSD, EUR and MXN account receipts
- Transfers
- Holyheld CardStablecoin transfers; Outgoing SEPA transferDecaf CardParent-account bank withdrawals, MoneyGram cash pickup
- Payout currencies
- Holyheld CardEURDecaf CardUSD, EUR, MXN, COP, BRL, ARS, VES
Rewards
- Base cashback
- Holyheld Card0.5%Decaf CardNot disclosed
- Max cashback
- Holyheld Card1%Decaf CardNot disclosed
- Reward currency
- Holyheld CardUSDCDecaf CardNot disclosed
Earn
- Advertised APY
- Holyheld CardNot disclosedDecaf CardNot disclosed
- How it works
- Holyheld CardOptional earn vaultDecaf CardOptional earn vault
- Separate deposit
- Holyheld CardYesDecaf CardYes
- Use balance for spending
- Holyheld CardNot disclosedDecaf CardNot disclosed
- Lock-up
- Holyheld CardNoDecaf CardNot disclosed
Trust & availability
- Custody
- Holyheld CardHybrid custodyDecaf CardNon-custodial
- Control until payment
- Holyheld CardProvider controls fundsDecaf CardNot disclosed
- Card issuer
- Holyheld CardUnlimit EU LtdDecaf CardThird National, Inc.
- Card processing
- Holyheld CardNot disclosedDecaf CardRain
- Deposits & withdrawals
- Holyheld CardNot disclosedDecaf CardMoneyGram
- Identity verification
- Holyheld CardSumsub / IdenfyDecaf CardNot disclosed
- Programme operator
- Holyheld CardHolyheld Labs AGDecaf CardNot disclosed
Sources
- Official sources
- Holyheld Card28Decaf Card21
- Last reviewed
- Holyheld CardSep 9, 2026Decaf CardOct 19, 2026
Choosing between these cards
When to choose Holyheld or Decaf
Spending in foreign currencies
For FX on foreign-currency purchases, Holyheld lists Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency, versus 1–2% at Decaf. Use the tariff for your country and plan; conversion fees can add to these figures.
Sending money to a bank
For bank payouts, Holyheld has reviewed routes in EUR; Decaf has routes in ARS, BRL, COP, EUR and other currencies. Choose the route for your destination currency and check its country coverage and fee.
Using the crypto you already hold
Holyheld's reviewed deposit assets include USDT; Decaf's include USDC. If you already hold one of these assets, compare its deposit network and conversion route before moving funds.
Common questions
Holyheld vs Decaf FAQ
Is Holyheld or Decaf better overall?
Holyheld Card has the higher Overall Score (75 vs 64). 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 Decaf?
Decaf Card has the lower published FX fee (1–2% 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 Decaf?
The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below. Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Holyheld and Decaf differ on custody?
Holyheld Card uses a hybrid custody setup, while Decaf Card uses a non-custodial account setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Holyheld vs Decaf comparison?
The latest information check for these two cards was October 19, 2026, using 49 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.