HolyheldHolyheld
75
Side-by-side card comparison
Holyheld vs Fasset: fees, rewards and account setup
Holyheld Card has the higher Overall Score by 22 points (75 vs 53). Holyheld Card also looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers. The details below show where Fasset Card may still be the better personal fit.
Information checked Aug 12, 202637 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. Fasset 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.
OverallHolyheld75Fasset53Higher score
CashbackHolyheld64Fasset19Higher score
TravelHolyheld68Fasset30Higher score
Funds controlHolyheld74Fasset45Higher score
Lowest feesHolyheld67Fasset51Higher score
TransfersHolyheld81Fasset50Higher 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 Fasset Card if its day-to-day setup suits you
Fasset 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.
- Clear internal USDT funding flow
- Broad phone-wallet support
- Complete card-country list
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
- Holyheld75Fasset53
Holyheld Card has the higher Overall Score by 22 points.
- Entry cost & FX
- Holyheld$0 plan · Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency FXFassetNot disclosed plan · 3% non-USD FX; up to 3% cross-border may also apply FX
Fasset Card has the lower published FX fee (3% non-USD FX; up to 3% cross-border may also apply vs Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency).
- Purchase rewards
- Holyheld0.5% base · up to 1%FassetNot disclosed
The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below.
- Funds control
- HolyheldHybrid custodyFassetCustodial balance
Holyheld Card uses a hybrid custody setup, while Fasset 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 PayFassetVirtual · Apple Pay, Google Pay
Holyheld Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Holyheld2 stablecoins · Stablecoin transfers; Outgoing SEPA transferFasset1 stablecoin · Card balance back to Fasset Wallet
Holyheld Card lists more stablecoins and ways to send money out (4 vs 2).
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
- Not disclosed
- Plan cost
- Not disclosed
- FX fee
- 3% non-USD FX; up to 3% cross-border may also apply
- ATM fee
- Not available
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 0 fiat
- Payout methods
- 0 crypto · 0 fiat
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 CardOverall75Fasset CardOverall53
Holyheld CardOverall75Fasset CardOverall53Scores
6 fields- Overall Score
- Holyheld Card75Fasset Card53
- Cashback score
- Holyheld Card64Fasset Card19
- Travel score
- Holyheld Card68Fasset Card30
- Funds control score
- Holyheld Card74Fasset Card45
- Lowest fees score
- Holyheld Card67Fasset Card51
- Transfers score
- Holyheld Card81Fasset Card50
Strengths & trade-offs
2 fields- Strengths
- Holyheld CardSelf-custody crypto before card top-up, Virtual, physical and metal MastercardFasset CardClear internal USDT funding flow, Broad phone-wallet support
- Trade-offs
- Holyheld CardCountry eligibility is incomplete, Foreign spend can be expensiveFasset CardForeign spend can be expensive, OWN reward economics are missing
Costs
7 fields- Plan cost
- Holyheld Card$0Fasset CardNot disclosed
- FX fee
- Holyheld CardUp to 5.5% + EUR 1; actual pricing depends on transaction geography and currencyFasset Card3% non-USD FX; up to 3% cross-border may also apply
- Top-up fee
- Holyheld Card0%Fasset Card0%
- Card spending fee
- Holyheld Card€0.50Fasset Card0%
- ATM fee
- Holyheld CardUp to EUR 2 + 2.5%Fasset CardNot available
- Virtual card
- Holyheld CardLimited Edition virtual card: EUR 99; Classic includes virtual accessFasset Card9.99 USDT activation / issuance fee
- Physical card
- Holyheld CardClassic: EUR 29; Metal: EUR 199Fasset CardNot disclosed
Plans
2 fields- Available plans
- Holyheld Card3 plans: Classic, Limited Edition, MetalFasset CardBase virtual live; Edge waitlist; Select, Elite and Reserve coming soon
- Top cashback plan
- Holyheld CardMetal: 1%Fasset CardNot disclosed
Everyday use
8 fields- Network
- Holyheld CardMastercardFasset CardVisa
- Card formats
- Holyheld CardVirtual, PhysicalFasset CardVirtual
- ATM withdrawals
- Holyheld CardAvailableFasset CardNot available
- Mobile wallets
- Holyheld CardApple Pay, Google PayFasset CardApple Pay, Google Pay
- Apps
- Holyheld CardiOS, Android, WebFasset CardiOS, Android
- Daily spending limit
- Holyheld CardEUR 10,000 dailyFasset Card$2,000 per day
- Monthly spending limit
- Holyheld CardEUR 25,000 monthly; EUR 250,000 annuallyFasset CardNot publicly disclosed
- ATM limit
- Holyheld CardEUR 1,000 per 24 hours; EUR 5,000 per 30 daysFasset CardNot applicable; ATM cash advances unavailable
Funding & transfers
5 fields- Networks
- Holyheld CardEthereum, Arbitrum, Base, Optimism, Polygon, Gnosis +2Fasset CardNot disclosed
- Crypto deposits
- Holyheld CardStablecoins: USDC, USDTFasset CardStablecoins: USDT
- Fiat deposits
- Holyheld CardPersonal EUR IBANFasset CardNot disclosed
- Transfers
- Holyheld CardStablecoin transfers; Outgoing SEPA transferFasset CardCard balance back to Fasset Wallet
- Payout currencies
- Holyheld CardEURFasset CardNot disclosed
Rewards
3 fields- Base cashback
- Holyheld Card0.5%Fasset CardNot disclosed
- Max cashback
- Holyheld Card1%Fasset CardNot disclosed
- Reward currency
- Holyheld CardUSDCFasset CardOWN points
Earn
5 fields- Advertised APY
- Holyheld CardNot disclosedFasset CardNot offered
- How it works
- Holyheld CardOptional earn vaultFasset CardNot offered
- Separate deposit
- Holyheld CardYesFasset CardNot offered
- Use balance for spending
- Holyheld CardNot disclosedFasset CardNot offered
- Lock-up
- Holyheld CardNoFasset CardNot offered
Trust & availability
5 fields- Custody
- Holyheld CardHybrid custodyFasset CardCustodial
- Control until payment
- Holyheld CardProvider controls fundsFasset CardProvider controls funds
- Card issuer
- Holyheld CardUnlimit EU LtdFasset CardThird National
- Identity verification
- Holyheld CardSumsub / IdenfyFasset CardNot disclosed
- Programme operator
- Holyheld CardHolyheld Labs AGFasset CardNot disclosed
Sources
2 fields- Official sources
- Holyheld Card28Fasset Card9
- Last reviewed
- Holyheld CardAug 12, 2026Fasset CardAug 11, 2026
04 · The takeaway
Holyheld Card is the stronger all-round choice
Holyheld Card finishes ahead with an Overall Score of 75 versus 53 for Fasset Card. Fasset Card has the lower published FX fee (3% non-USD FX; up to 3% cross-border may also apply vs Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency). The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below.
Fasset 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 Fasset Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
Holyheld Card lists more stablecoins and ways to send money out (4 vs 2). 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 Fasset Card reviews first.
Continue with
Holyheld Card
Continue with
Fasset Card
05 · Common questions
Holyheld vs Fasset FAQ
Is Holyheld or Fasset better overall?
Holyheld Card has the higher Overall Score (75 vs 53). 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 Fasset?
Fasset Card has the lower published FX fee (3% non-USD FX; up to 3% cross-border may also apply 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 Fasset?
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 Fasset differ on custody?
Holyheld Card uses a hybrid custody setup, while Fasset 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 Fasset comparison?
The latest information check for these two cards was August 12, 2026, using 37 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.