HolyheldHolyheld
75
Side-by-side card comparison
Holyheld vs Oobit: overall score versus use-case fit
Holyheld Card has the higher Overall Score by 3 points (75 vs 72). Holyheld Card looks stronger for Travel, Lowest fees, and Transfers, while Oobit Card comes out ahead for Cashback and Funds control.
Information checked Aug 12, 202644 official sources reviewed
01 · Overall score versus use-case fit
Holyheld Card is the better all-round starting point
Holyheld Card has the higher Overall Score in this comparison. Oobit Card may be the better fit for Cashback and Funds control. 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.
OverallHolyheld75Oobit72Higher score
CashbackHolyheld64Oobit68Higher score
TravelHolyheld68Oobit45Higher score
Funds controlHolyheld74Oobit77Higher score
Lowest feesHolyheld67Oobit51Higher score
TransfersHolyheld81Oobit64Higher score
Choose Holyheld Card if travel and lowest fees matter most
Holyheld Card comes out ahead for Travel, 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 Oobit Card if cashback and funds control matter most
Oobit Card comes out ahead for Cashback and Funds control in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Connected-wallet spending
- Phone wallets and contactless ATM
- Stablecoin cashback and points
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
- Holyheld75Oobit72
Holyheld Card has the higher Overall Score by 3 points.
- Entry cost & FX
- Holyheld$0 plan · Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency FXOobit$0 plan · 3% FX
Oobit Card has the lower published FX fee (3% vs Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency).
- Purchase rewards
- Holyheld0.5% base · up to 1%Oobit5% base · up to 10%
Oobit Card has the higher published base cashback rate (5% vs 0.5%).
- Funds control
- HolyheldHybrid custodyOobitHybrid custody
Holyheld Card and Oobit Card use the same hybrid custody setup.
- Everyday access
- HolyheldVirtual + Physical · Apple Pay, Google PayOobitVirtual · 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 transferOobit4 stablecoins · Oobit Pay Friends; Crypto-to-bank payout
Oobit Card lists more stablecoins and ways to send money out (6 vs 4).
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%-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
- 5%-10%
- Plan cost
- $0
- FX fee
- 3%
- ATM fee
- 2.5% Oobit fee plus any contactless ATM operator surcharge
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 0 crypto · 0 fiat
- Payout methods
- 0 crypto · 12 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
CardsHolyheld CardOverall75Oobit CardOverall72
Holyheld CardOverall75Oobit CardOverall72Scores
6 fields- Overall Score
- Holyheld Card75Oobit Card72
- Cashback score
- Holyheld Card64Oobit Card68
- Travel score
- Holyheld Card68Oobit Card45
- Funds control score
- Holyheld Card74Oobit Card77
- Lowest fees score
- Holyheld Card67Oobit Card51
- Transfers score
- Holyheld Card81Oobit Card64
Strengths & trade-offs
2 fields- Strengths
- Holyheld CardSelf-custody crypto before card top-up, Virtual, physical and metal MastercardOobit CardConnected-wallet spending, Phone wallets and contactless ATM
- Trade-offs
- Holyheld CardCountry eligibility is incomplete, Foreign spend can be expensiveOobit CardEvery payment carries a provider fee, Physical card is unclear
Costs
7 fields- Plan cost
- Holyheld Card$0Oobit Card$0
- FX fee
- Holyheld CardUp to 5.5% + EUR 1; actual pricing depends on transaction geography and currencyOobit Card3%
- Top-up fee
- Holyheld Card0%Oobit CardConnected-wallet spending needs no prefunding; account-balance top-up pricing varies by route
- Card spending fee
- Holyheld Card€0.50Oobit Card$0.25 + 1%
- ATM fee
- Holyheld CardUp to EUR 2 + 2.5%Oobit Card2.5% Oobit fee plus any contactless ATM operator surcharge
- Virtual card
- Holyheld CardLimited Edition virtual card: EUR 99; Classic includes virtual accessOobit CardFree
- Physical card
- Holyheld CardClassic: EUR 29; Metal: EUR 199Oobit CardNot disclosed
Plans
2 fields- Available plans
- Holyheld Card3 plans: Classic, Limited Edition, MetalOobit CardNot disclosed
- Top cashback plan
- Holyheld CardMetal: 1%Oobit CardNot disclosed
Everyday use
8 fields- Network
- Holyheld CardMastercardOobit CardVisa
- Card formats
- Holyheld CardVirtual, PhysicalOobit CardVirtual
- ATM withdrawals
- Holyheld CardAvailableOobit CardAvailable
- Mobile wallets
- Holyheld CardApple Pay, Google PayOobit CardApple Pay, Google Pay
- Apps
- Holyheld CardiOS, Android, WebOobit CardiOS, Android
- Daily spending limit
- Holyheld CardEUR 10,000 dailyOobit Card$10,000 daily card-spend limit; account-specific controls may be lower
- Monthly spending limit
- Holyheld CardEUR 25,000 monthly; EUR 250,000 annuallyOobit CardNo universal monthly card-spend limit published
- ATM limit
- Holyheld CardEUR 1,000 per 24 hours; EUR 5,000 per 30 daysOobit Card$250 maximum per contactless ATM withdrawal; up to three attempts per rolling 24 hours
Funding & transfers
5 fields- Networks
- Holyheld CardEthereum, Arbitrum, Base, Optimism, Polygon, Gnosis +2Oobit CardEthereum, BNB Smart Chain, Solana, Polygon, Optimism, Arbitrum
- Crypto deposits
- Holyheld CardStablecoins: USDC, USDTOobit CardNot disclosed
- Fiat deposits
- Holyheld CardPersonal EUR IBANOobit CardNot disclosed
- Transfers
- Holyheld CardStablecoin transfers; Outgoing SEPA transferOobit CardOobit Pay Friends; Crypto-to-bank payout
- Payout currencies
- Holyheld CardEUROobit CardUSD, EUR, GBP, INR, TRY, NGN, IDR, PHP +4
Rewards
3 fields- Base cashback
- Holyheld Card0.5%Oobit Card5%
- Max cashback
- Holyheld Card1%Oobit Card10%
- Reward currency
- Holyheld CardUSDCOobit CardStablecoin rewards or OOB token
Earn
5 fields- Advertised APY
- Holyheld CardNot disclosedOobit CardNot offered
- How it works
- Holyheld CardOptional earn vaultOobit CardNot offered
- Separate deposit
- Holyheld CardYesOobit CardNot offered
- Use balance for spending
- Holyheld CardNot disclosedOobit CardNot offered
- Lock-up
- Holyheld CardNoOobit CardNot offered
Trust & availability
5 fields- Custody
- Holyheld CardHybrid custodyOobit CardHybrid custody
- Control until payment
- Holyheld CardProvider controls fundsOobit CardYou keep control
- Card issuer
- Holyheld CardUnlimit EU LtdOobit CardThirdNational
- Identity verification
- Holyheld CardSumsub / IdenfyOobit CardNot disclosed
- Programme operator
- Holyheld CardHolyheld Labs AGOobit CardNot disclosed
Sources
2 fields- Official sources
- Holyheld Card28Oobit Card16
- Last reviewed
- Holyheld CardAug 12, 2026Oobit CardAug 12, 2026
04 · The trade-off
Holyheld Card is the stronger all-round choice
Holyheld Card finishes ahead with an Overall Score of 75 versus 72 for Oobit Card. Oobit Card has the lower published FX fee (3% vs Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency). Oobit Card has the higher published base cashback rate (5% vs 0.5%).
Oobit Card still comes out ahead for Cashback and Funds control, which may matter more than the overall result if that is how you plan to use the card. Holyheld Card and Oobit Card use the same hybrid custody setup.
Oobit Card lists more stablecoins and ways to send money out (6 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 Oobit Card reviews first.
Continue with
Holyheld Card
Continue with
Oobit Card
05 · Common questions
Holyheld vs Oobit FAQ
Is Holyheld or Oobit better overall?
Holyheld Card has the higher Overall Score (75 vs 72). 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 Oobit?
Oobit Card has the lower published FX fee (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 Oobit?
Oobit Card has the higher published base cashback rate (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 Oobit differ on custody?
Holyheld Card and Oobit Card use the same hybrid custody setup.
How current is this Holyheld vs Oobit comparison?
The latest information check for these two cards was August 12, 2026, using 44 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.