HolyheldHolyheld
75
Side-by-side card comparison
Holyheld vs Pionex: fees, rewards and account setup
Holyheld Card has the higher Overall Score by 18 points (75 vs 57). Holyheld Card also looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers. The details below show where Pionex Card may still be the better personal fit.
Information checked Aug 14, 202687 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. Pionex 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.
OverallHolyheld75Pionex57Higher score
CashbackHolyheld64Pionex52Higher score
TravelHolyheld68Pionex29Higher score
Funds controlHolyheld74Pionex43Higher score
Lowest feesHolyheld67Pionex58Higher score
TransfersHolyheld81Pionex79Higher 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 Pionex Card if its day-to-day setup suits you
Pionex 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.
- Visa and Mastercard options
- 0.1%-1% cashback in USDT
- Pionex account funding and payouts
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
- Holyheld75Pionex57
Holyheld Card has the higher Overall Score by 18 points.
- Entry cost & FX
- Holyheld$0 plan · Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency FXPionex$0 plan · Not disclosed 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
- Holyheld0.5% base · up to 1%Pionex0.1% base · up to 1%
Holyheld Card has the higher published base cashback rate (0.5% vs 0.1%).
- Funds control
- HolyheldHybrid custodyPionexCustodial balance
Holyheld Card uses a hybrid custody setup, while Pionex 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 PayPionexVirtual · 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 transferPionex1 stablecoin · Stablecoin transfers; Pionex Primary ↔ Card account transfer, Pionex Primary → Mastercard account transfer; Pionex account cash-out
Both cards list the same number of stablecoins and ways to send money out.
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
- 0.1%-1%
- Plan cost
- $0
- FX fee
- Not disclosed
- ATM fee
- Not available
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 0 fiat
- Payout methods
- 1 crypto · 0 fiat
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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 CardOverall75Pionex CardOverall57
Holyheld CardOverall75Pionex CardOverall57Scores
6 fields- Overall Score
- Holyheld Card75Pionex Card57
- Cashback score
- Holyheld Card64Pionex Card52
- Travel score
- Holyheld Card68Pionex Card29
- Funds control score
- Holyheld Card74Pionex Card43
- Lowest fees score
- Holyheld Card67Pionex Card58
- Transfers score
- Holyheld Card81Pionex Card79
Strengths & trade-offs
2 fields- Strengths
- Holyheld CardSelf-custody crypto before card top-up, Virtual, physical and metal MastercardPionex CardVisa and Mastercard options, 0.1%-1% cashback in USDT
- Trade-offs
- Holyheld CardCountry eligibility is incomplete, Foreign spend can be expensivePionex CardMastercard can cost up to 3.5%, General access is virtual-only
Costs
7 fields- Plan cost
- Holyheld Card$0Pionex Card$0
- FX fee
- Holyheld CardUp to 5.5% + EUR 1; actual pricing depends on transaction geography and currencyPionex CardNot disclosed
- Top-up fee
- Holyheld Card0%Pionex CardNot disclosed
- Card spending fee
- Holyheld Card€0.50Pionex Card3.5%
- ATM fee
- Holyheld CardUp to EUR 2 + 2.5%Pionex CardNot available
- Virtual card
- Holyheld CardLimited Edition virtual card: EUR 99; Classic includes virtual accessPionex CardAvailable
- Physical card
- Holyheld CardClassic: EUR 29; Metal: EUR 199Pionex CardNot available
Plans
2 fields- Available plans
- Holyheld Card3 plans: Classic, Limited Edition, MetalPionex Card2 plans: Mastercard, Visa
- Top cashback plan
- Holyheld CardMetal: 1%Pionex CardVisa: 1%
Everyday use
8 fields- Network
- Holyheld CardMastercardPionex CardVisa/Mastercard
- Card formats
- Holyheld CardVirtual, PhysicalPionex CardVirtual
- ATM withdrawals
- Holyheld CardAvailablePionex CardNot available
- Mobile wallets
- Holyheld CardApple Pay, Google PayPionex CardApple Pay, Google Pay
- Apps
- Holyheld CardiOS, Android, WebPionex CardNot disclosed
- Daily spending limit
- Holyheld CardEUR 10,000 dailyPionex Card$10,000-$20,000/day; $10,000-$20,000/transaction depending on network
- Monthly spending limit
- Holyheld CardEUR 25,000 monthly; EUR 250,000 annuallyPionex Card$50,000-$100,000/month depending on network
- ATM limit
- Holyheld CardEUR 1,000 per 24 hours; EUR 5,000 per 30 daysPionex CardNot available
Funding & transfers
5 fields- Networks
- Holyheld CardEthereum, Arbitrum, Base, Optimism, Polygon, Gnosis +2Pionex CardNot disclosed
- Crypto deposits
- Holyheld CardStablecoins: USDC, USDTPionex CardOther crypto: Supported crypto
- Fiat deposits
- Holyheld CardPersonal EUR IBANPionex CardNot disclosed
- Transfers
- Holyheld CardStablecoin transfers; Outgoing SEPA transferPionex CardStablecoin transfers; Pionex Primary ↔ Card account transfer, Pionex Primary → Mastercard account transfer; Pionex account cash-out
- Payout currencies
- Holyheld CardEURPionex CardNot disclosed
Rewards
3 fields- Base cashback
- Holyheld Card0.5%Pionex Card0.1%
- Max cashback
- Holyheld Card1%Pionex Card1%
- Reward currency
- Holyheld CardUSDCPionex CardUSDT
Earn
5 fields- Advertised APY
- Holyheld CardNot disclosedPionex CardUp to 5% APY
- How it works
- Holyheld CardOptional earn vaultPionex CardEarn on spending balance
- Separate deposit
- Holyheld CardYesPionex CardNo
- Use balance for spending
- Holyheld CardNot disclosedPionex CardYes
- Lock-up
- Holyheld CardNoPionex CardNo
Trust & availability
5 fields- Custody
- Holyheld CardHybrid custodyPionex CardCustodial
- Control until payment
- Holyheld CardProvider controls fundsPionex CardProvider controls funds
- Card issuer
- Holyheld CardUnlimit EU LtdPionex CardNot disclosed
- Identity verification
- Holyheld CardSumsub / IdenfyPionex CardNot disclosed
- Programme operator
- Holyheld CardHolyheld Labs AGPionex CardNot disclosed
Sources
2 fields- Official sources
- Holyheld Card28Pionex Card59
- Last reviewed
- Holyheld CardAug 12, 2026Pionex CardAug 14, 2026
04 · The takeaway
Holyheld Card is the stronger all-round choice
Holyheld Card finishes ahead with an Overall Score of 75 versus 57 for Pionex Card. The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. Holyheld Card has the higher published base cashback rate (0.5% vs 0.1%).
Pionex 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 Pionex Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
Both cards list the same number of stablecoins and ways to send money out. 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 Pionex Card reviews first.
Continue with
Holyheld Card
Continue with
Pionex Card
05 · Common questions
Holyheld vs Pionex FAQ
Is Holyheld or Pionex better overall?
Holyheld Card has the higher Overall Score (75 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, Holyheld or Pionex?
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, Holyheld or Pionex?
Holyheld Card has the higher published base cashback rate (0.5% vs 0.1%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Holyheld and Pionex differ on custody?
Holyheld Card uses a hybrid custody setup, while Pionex 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 Pionex comparison?
The latest information check for these two cards was August 14, 2026, using 87 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.