HolyheldHolyheld
75
Side-by-side card comparison
Holyheld vs Plasma One: fees, rewards and account setup
Plasma One Card has the higher Overall Score by 12 points (87 vs 75). Plasma One Card also looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers. The details below show where Holyheld Card may still be the better personal fit.
Information checked Aug 27, 202640 official sources reviewed
01 · Make the first cut
Plasma One Card is the better all-round starting point
Plasma One Card has the higher Overall Score in this comparison. Holyheld 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.
OverallHolyheld75Plasma One87Higher score
CashbackHolyheld64Plasma One78Higher score
TravelHolyheld68Plasma One72Higher score
Funds controlHolyheld74Plasma One99Higher score
Lowest feesHolyheld67Plasma One80Higher score
TransfersHolyheld81Plasma One100Higher score
Choose Holyheld Card if its day-to-day setup suits you
Holyheld 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.
- Self-custody crypto before card top-up
- Virtual, physical and metal Mastercard
- Personal IBAN and SEPA transfers
Choose Plasma One Card if cashback and travel matter most
Plasma One 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.
- Lite starts with 2% XPL cashback
- Higher tiers add bigger caps and perks
- Earn is separate from card cashback
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
- Holyheld75Plasma One87
Plasma One Card has the higher Overall Score by 12 points.
- Entry cost & FX
- Holyheld$0 plan · Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency FXPlasma One$0 plan · 0–1% FX
Plasma One Card has the lower published FX fee (0–1% vs Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency).
- Purchase rewards
- Holyheld0.5% base · up to 1%Plasma One2% base · up to 10%
Plasma One Card has the higher published base cashback rate (2% vs 0.5%).
- Funds control
- HolyheldHybrid custodyPlasma OneSelf-controlled wallet
Holyheld Card uses a hybrid custody setup, while Plasma One Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- HolyheldVirtual + Physical · Apple Pay, Google PayPlasma OneVirtual + Physical · Apple Pay, Google Pay
Both cards list the same number of card formats and phone-wallet options.
- Money movement
- Holyheld2 stablecoins · Stablecoin transfers; Outgoing SEPA transferPlasma One3 stablecoins · Stablecoin transfers; Plasma One usernames; Virtual account withdrawals
Plasma One Card lists more stablecoins and ways to send money out (6 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
- 2%-10%
- Plan cost
- $0
- FX fee
- 0–1%
- ATM fee
- Not available
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 3 crypto · 4 fiat
- Payout methods
- 3 crypto · 6 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 CardOverall75Plasma One CardOverall87
Holyheld CardOverall75Plasma One CardOverall87Scores
6 fields- Overall Score
- Holyheld Card75Plasma One Card87
- Cashback score
- Holyheld Card64Plasma One Card78
- Travel score
- Holyheld Card68Plasma One Card72
- Funds control score
- Holyheld Card74Plasma One Card99
- Lowest fees score
- Holyheld Card67Plasma One Card80
- Transfers score
- Holyheld Card81Plasma One Card100
Strengths & trade-offs
2 fields- Strengths
- Holyheld CardSelf-custody crypto before card top-up, Virtual, physical and metal MastercardPlasma One CardLite starts with 2% XPL cashback, Higher tiers add bigger caps and perks
- Trade-offs
- Holyheld CardCountry eligibility is incomplete, Foreign spend can be expensivePlasma One CardPhysical access is limited; no ATM, Cashback is capped by tier
Costs
7 fields- Plan cost
- Holyheld Card$0Plasma One Card$0
- FX fee
- Holyheld CardUp to 5.5% + EUR 1; actual pricing depends on transaction geography and currencyPlasma One Card0–1%
- Top-up fee
- Holyheld Card0%Plasma One Card0%
- Card spending fee
- Holyheld Card€0.50Plasma One CardNot disclosed
- ATM fee
- Holyheld CardUp to EUR 2 + 2.5%Plasma One CardNot available
- Virtual card
- Holyheld CardLimited Edition virtual card: EUR 99; Classic includes virtual accessPlasma One CardUp to 3 free virtual cards by tier
- Physical card
- Holyheld CardClassic: EUR 29; Metal: EUR 199Plasma One CardFirst physical card free in the currently confirmed Core and Platinum flows. Core standard delivery is $20 and express is $50; Platinum standard delivery is free and express is $30. Additional or replacement cards cost $40 for Core and $120 for Platinum.
Plans
2 fields- Available plans
- Holyheld Card3 plans: Classic, Limited Edition, MetalPlasma One Card3 plans: Lite, Core, Platinum
- Top cashback plan
- Holyheld CardMetal: 1%Plasma One CardPlatinum: 4%
Everyday use
8 fields- Network
- Holyheld CardMastercardPlasma One CardVisa
- Card formats
- Holyheld CardVirtual, PhysicalPlasma One CardVirtual, Physical
- ATM withdrawals
- Holyheld CardAvailablePlasma One CardNot available
- Mobile wallets
- Holyheld CardApple Pay, Google PayPlasma One CardApple Pay, Google Pay
- Apps
- Holyheld CardiOS, Android, WebPlasma One CardiOS, Android
- Daily spending limit
- Holyheld CardEUR 10,000 dailyPlasma One CardShown in app
- Monthly spending limit
- Holyheld CardEUR 25,000 monthly; EUR 250,000 annuallyPlasma One CardShown in app
- ATM limit
- Holyheld CardEUR 1,000 per 24 hours; EUR 5,000 per 30 daysPlasma One CardNot available, including for physical cards
Funding & transfers
5 fields- Networks
- Holyheld CardEthereum, Arbitrum, Base, Optimism, Polygon, Gnosis +2Plasma One CardPlasma, Ethereum, Solana, Tron, Polygon, Arbitrum +5
- Crypto deposits
- Holyheld CardStablecoins: USDC, USDTPlasma One CardStablecoins: USDT, USDC, USDG
- Fiat deposits
- Holyheld CardPersonal EUR IBANPlasma One CardUSD virtual account, EUR / GBP virtual accounts, MXN / BRL local transfers, COP virtual account
- Transfers
- Holyheld CardStablecoin transfers; Outgoing SEPA transferPlasma One CardStablecoin transfers; Plasma One usernames; Virtual account withdrawals
- Payout currencies
- Holyheld CardEURPlasma One CardUSD, EUR, GBP, MXN, BRL, COP
Rewards
3 fields- Base cashback
- Holyheld Card0.5%Plasma One Card2%
- Max cashback
- Holyheld Card1%Plasma One Card10%
- Reward currency
- Holyheld CardUSDCPlasma One CardUSD cashback paid in XPL
Earn
5 fields- Advertised APY
- Holyheld CardNot disclosedPlasma One CardUp to 5% APY
- How it works
- Holyheld CardOptional earn vaultPlasma One CardOptional earn vault
- Separate deposit
- Holyheld CardYesPlasma One CardYes
- Use balance for spending
- Holyheld CardNot disclosedPlasma One CardNo
- Lock-up
- Holyheld CardNoPlasma One CardNo
Trust & availability
8 fields- Custody
- Holyheld CardHybrid custodyPlasma One CardSelf-custody
- Control until payment
- Holyheld CardProvider controls fundsPlasma One CardYou keep control
- Card issuer
- Holyheld CardUnlimit EU LtdPlasma One CardRain, Third National
- Card processing
- Holyheld CardNot disclosedPlasma One Card0x
- Custody / key management
- Holyheld CardNot disclosedPlasma One CardPrivy, Veda
- Deposits & withdrawals
- Holyheld CardNot disclosedPlasma One CardBridge, Bridge Ventures LLC
- Identity verification
- Holyheld CardSumsub / IdenfyPlasma One CardNot disclosed
- Programme operator
- Holyheld CardHolyheld Labs AGPlasma One CardPlasma
Sources
2 fields- Official sources
- Holyheld Card28Plasma One Card12
- Last reviewed
- Holyheld CardAug 12, 2026Plasma One CardAug 27, 2026
04 · The takeaway
Plasma One Card is the stronger all-round choice
Plasma One Card finishes ahead with an Overall Score of 87 versus 75 for Holyheld Card. Plasma One Card has the lower published FX fee (0–1% vs Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency). Plasma One Card has the higher published base cashback rate (2% vs 0.5%).
Holyheld 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 Plasma One Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
Plasma One 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 Plasma One Card reviews first.
Continue with
Holyheld Card
Continue with
Plasma One Card
05 · Common questions
Holyheld vs Plasma One FAQ
Is Holyheld or Plasma One better overall?
Plasma One Card has the higher Overall Score (87 vs 75). 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 Plasma One?
Plasma One Card has the lower published FX fee (0–1% 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 Plasma One?
Plasma One Card has the higher published base cashback rate (2% 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 Plasma One differ on custody?
Holyheld Card uses a hybrid custody setup, while Plasma One Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Holyheld vs Plasma One comparison?
The latest information check for these two cards was August 27, 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.