HolyheldHolyheld
75
Side-by-side card comparison
Holyheld vs Solayer Pay: fees, rewards and account setup
Holyheld Card has the higher Overall Score by 20 points (75 vs 55). Holyheld Card also looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers. The details below show where Solayer Pay Card may still be the better personal fit.
Information checked Aug 12, 202653 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. Solayer Pay 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.
OverallHolyheld75Solayer Pay55Higher score
CashbackHolyheld64Solayer Pay20Higher score
TravelHolyheld68Solayer Pay53Higher score
Funds controlHolyheld74Solayer Pay47Higher score
Lowest feesHolyheld67Solayer Pay43Higher score
TransfersHolyheld81Solayer Pay29Higher 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 Solayer Pay Card if its day-to-day setup suits you
Solayer Pay 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.
- Virtual and physical Visa cards
- Spend USDC from Solana
- sUSD can earn while spendable
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
- Holyheld75Solayer Pay55
Holyheld Card has the higher Overall Score by 20 points.
- Entry cost & FX
- Holyheld$0 plan · Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency FXSolayer Pay$20/year plan · Up to 3% stated + $0.10; components may stack FX
Holyheld Card has the lower starting plan cost ($0 vs $20/year).
- Purchase rewards
- Holyheld0.5% base · up to 1%Solayer Pay0% base
Holyheld Card has the higher published base cashback rate (0.5% vs 0%).
- Funds control
- HolyheldHybrid custodySolayer PayCustodial balance
Holyheld Card uses a hybrid custody setup, while Solayer Pay 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 PaySolayer PayVirtual + 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 transferSolayer Pay1 stablecoin · Not modeled
Holyheld Card lists more stablecoins and ways to send money out (4 vs 1).
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% base
- Plan cost
- $20/year
- FX fee
- Up to 3% stated + $0.10; components may stack
- ATM fee
- Not disclosed
- Card formats
- Virtual, Physical
- 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 CardOverall75Solayer Pay CardOverall55
Holyheld CardOverall75Solayer Pay CardOverall55Scores
6 fields- Overall Score
- Holyheld Card75Solayer Pay Card55
- Cashback score
- Holyheld Card64Solayer Pay Card20
- Travel score
- Holyheld Card68Solayer Pay Card53
- Funds control score
- Holyheld Card74Solayer Pay Card47
- Lowest fees score
- Holyheld Card67Solayer Pay Card43
- Transfers score
- Holyheld Card81Solayer Pay Card29
Strengths & trade-offs
2 fields- Strengths
- Holyheld CardSelf-custody crypto before card top-up, Virtual, physical and metal MastercardSolayer Pay CardVirtual and physical Visa cards, Spend USDC from Solana
- Trade-offs
- Holyheld CardCountry eligibility is incomplete, Foreign spend can be expensiveSolayer Pay CardPurchases earn Emerald Points, FX costs vary by region
Costs
7 fields- Plan cost
- Holyheld Card$0Solayer Pay Card$20/year
- FX fee
- Holyheld CardUp to 5.5% + EUR 1; actual pricing depends on transaction geography and currencySolayer Pay CardUp to 3% stated + $0.10; components may stack
- Top-up fee
- Holyheld Card0%Solayer Pay Card1%
- Card spending fee
- Holyheld Card€0.50Solayer Pay Card$0.15
- ATM fee
- Holyheld CardUp to EUR 2 + 2.5%Solayer Pay CardNot disclosed
- Virtual card
- Holyheld CardLimited Edition virtual card: EUR 99; Classic includes virtual accessSolayer Pay Card$0 virtual card; included with the $20/year Solayer Pay base plan
- Physical card
- Holyheld CardClassic: EUR 29; Metal: EUR 199Solayer Pay CardFree card; US Express shipping $24.99 or International Express shipping $59.99
Plans
2 fields- Available plans
- Holyheld Card3 plans: Classic, Limited Edition, MetalSolayer Pay Card1 plans: Solayer Pay
- Top cashback plan
- Holyheld CardMetal: 1%Solayer Pay CardNot disclosed
Everyday use
8 fields- Network
- Holyheld CardMastercardSolayer Pay CardVisa
- Card formats
- Holyheld CardVirtual, PhysicalSolayer Pay CardVirtual, Physical
- ATM withdrawals
- Holyheld CardAvailableSolayer Pay CardAvailable
- Mobile wallets
- Holyheld CardApple Pay, Google PaySolayer Pay CardApple Pay, Google Pay
- Apps
- Holyheld CardiOS, Android, WebSolayer Pay CardiOS, Android
- Daily spending limit
- Holyheld CardEUR 10,000 dailySolayer Pay CardShown in app
- Monthly spending limit
- Holyheld CardEUR 25,000 monthly; EUR 250,000 annuallySolayer Pay CardShown in app
- ATM limit
- Holyheld CardEUR 1,000 per 24 hours; EUR 5,000 per 30 daysSolayer Pay CardLimits shown in app
Funding & transfers
5 fields- Networks
- Holyheld CardEthereum, Arbitrum, Base, Optimism, Polygon, Gnosis +2Solayer Pay CardSolana
- Crypto deposits
- Holyheld CardStablecoins: USDC, USDTSolayer Pay CardStablecoins: USDC
- Fiat deposits
- Holyheld CardPersonal EUR IBANSolayer Pay CardNot disclosed
- Transfers
- Holyheld CardStablecoin transfers; Outgoing SEPA transferSolayer Pay CardNot disclosed
- Payout currencies
- Holyheld CardEURSolayer Pay CardNot disclosed
Rewards
3 fields- Base cashback
- Holyheld Card0.5%Solayer Pay Card0%
- Max cashback
- Holyheld Card1%Solayer Pay CardNot disclosed
- Reward currency
- Holyheld CardUSDCSolayer Pay CardEmerald Points
Earn
5 fields- Advertised APY
- Holyheld CardNot disclosedSolayer Pay CardUp to 3.5% APY
- How it works
- Holyheld CardOptional earn vaultSolayer Pay CardEarn on spending balance
- Separate deposit
- Holyheld CardYesSolayer Pay CardNo
- Use balance for spending
- Holyheld CardNot disclosedSolayer Pay CardYes
- Lock-up
- Holyheld CardNoSolayer Pay CardNo
Trust & availability
5 fields- Custody
- Holyheld CardHybrid custodySolayer Pay CardCustodial
- Control until payment
- Holyheld CardProvider controls fundsSolayer Pay CardProvider controls funds
- Card issuer
- Holyheld CardUnlimit EU LtdSolayer Pay CardThird National
- Identity verification
- Holyheld CardSumsub / IdenfySolayer Pay CardSumsub
- Programme operator
- Holyheld CardHolyheld Labs AGSolayer Pay CardSolayer Labs, Inc.
Sources
2 fields- Official sources
- Holyheld Card28Solayer Pay Card25
- Last reviewed
- Holyheld CardAug 12, 2026Solayer Pay CardAug 12, 2026
04 · The takeaway
Holyheld Card is the stronger all-round choice
Holyheld Card finishes ahead with an Overall Score of 75 versus 55 for Solayer Pay Card. Holyheld Card has the lower starting plan cost ($0 vs $20/year). Holyheld Card has the higher published base cashback rate (0.5% vs 0%).
Solayer Pay 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 Solayer Pay 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 1). 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 Solayer Pay Card reviews first.
Continue with
Holyheld Card
Continue with
Solayer Pay Card
05 · Common questions
Holyheld vs Solayer Pay FAQ
Is Holyheld or Solayer Pay better overall?
Holyheld Card has the higher Overall Score (75 vs 55). 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 Solayer Pay?
Holyheld Card has the lower starting plan cost ($0 vs $20/year). 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 Solayer Pay?
Holyheld Card has the higher published base cashback rate (0.5% vs 0%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Holyheld and Solayer Pay differ on custody?
Holyheld Card uses a hybrid custody setup, while Solayer Pay 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 Solayer Pay comparison?
The latest information check for these two cards was August 12, 2026, using 53 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.