MPChatMPChat
52
Side-by-side card comparison
MPChat vs Holyheld
Holyheld Card has the higher Overall Score by 23 points (75 vs 52). The available use-case scores do not point to a clear winner, so compare the fees, control of funds, card access and availability that matter to you.
Latest check Nov 12, 202658 official sources reviewed
MPChat Card
Best fit
- MPChat Pay users allocating USDT to a separate Visa spending balance.
- Choosing Cloud for online payments or Boundless for physical-card use.
- Occasional card use with a one-time issuance price and no monthly plan fee.
Before you choose
- Each purchase costs 0.8%, plus variable USDT conversion and any issuer FX.
- Cloud costs 10 USDT; Boundless costs 100 USDT and charges 2% for ATMs.
- The Web3 wallet cannot fund purchases directly; allocate funds from MPChat Pay.
Holyheld Card
Best fit
- Moving crypto from your wallet into EUR for everyday Mastercard spending.
- Using a personal IBAN and SEPA transfers alongside a EUR card balance.
- Existing cardholders avoiding recurring membership fees or token locks.
Before you choose
- Foreign fees can reach 5.5% + €1, depending on geography and currency.
- USDC cashback becomes claimable after 30 days; it is not immediately spendable.
- New personal applications need an invitation and individual approval.
Fees & features
Compare the details
CardsMPChat CardOverall52Holyheld CardOverall75
MPChat CardOverall52Holyheld CardOverall75Scores
- Overall Score
- MPChat Card52Holyheld Card75
- Cashback score
- MPChat Card18Holyheld CardNot ranked
- Travel score
- MPChat Card72Holyheld CardNot ranked
- Funds control score
- MPChat Card41Holyheld CardNot ranked
- Lowest fees score
- MPChat Card60Holyheld CardNot ranked
- Transfers score
- MPChat Card58Holyheld CardNot ranked
Costs
- Plan cost
- MPChat Card$0Holyheld Card$0
- FX fee
- MPChat Card0% MPChat FX markup; Visa/issuer FX is passed through and varies by country and region. Purchase fees and USDT conversion costs are separateHolyheld CardUp to 5.5% + EUR 1; actual pricing depends on transaction geography and currency
- Top-up fee
- MPChat CardUSDT on Tron (TRC20); minimum received 10 USDT; allocate Pay balance to cardHolyheld Card0%
- Card spending fee
- MPChat Card$0.10 + 0.8%Holyheld Card€0.50
- ATM fee
- MPChat CardBoundless only: 2%, minimum $1; Cloud has no ATM accessHolyheld CardUp to EUR 2 + 2.5%
- Virtual card
- MPChat CardCloud: 10 USDT one timeHolyheld CardLimited Edition virtual card: EUR 99; Classic includes virtual access
- Physical card
- MPChat CardBoundless: 100 USDT one timeHolyheld CardClassic: EUR 29; Metal: EUR 199
Plans & rewards
- Available plans
- MPChat Card2 plans: Cloud Card, Boundless CardHolyheld Card3 plans: Classic, Limited Edition, Metal
- Top cashback plan
- MPChat CardNot disclosedHolyheld CardMetal: 1%
- Base cashback
- MPChat CardNot disclosedHolyheld Card0.5%
- Max cashback
- MPChat CardNot disclosedHolyheld Card1%
- Reward currency
- MPChat CardNot disclosedHolyheld CardUSDC
Everyday use
- Network
- MPChat CardVisaHolyheld CardMastercard
- Card formats
- MPChat CardVirtual, PhysicalHolyheld CardVirtual, Physical
- ATM withdrawals
- MPChat CardAvailableHolyheld CardAvailable
- Mobile wallets
- MPChat CardGoogle PayHolyheld CardApple Pay, Google Pay
- Apps
- MPChat CardNot disclosedHolyheld CardiOS, Android, Web
- Daily spending limit
- MPChat CardUp to $250,000 and conservatively 50 purchases per day; app limits may be lowerHolyheld CardEUR 10,000 daily
- Monthly spending limit
- MPChat CardUp to $1,000,000 per month; app limit may be lowerHolyheld CardEUR 25,000 monthly; EUR 250,000 annually
- ATM limit
- MPChat CardBoundless: up to $1,500 per withdrawal and day; $15,000 monthlyHolyheld CardEUR 1,000 per 24 hours; EUR 5,000 per 30 days
Funding & transfers
- Networks
- MPChat CardTron (TRC20)Holyheld CardEthereum, Arbitrum, Base, Optimism, Polygon, Gnosis +2
- Crypto deposits
- MPChat CardStablecoins: USDTHolyheld CardStablecoins: USDC, USDT
- Fiat deposits
- MPChat CardNot disclosedHolyheld CardPersonal EUR IBAN
- Transfers
- MPChat CardStablecoin transfersHolyheld CardStablecoin transfers; Outgoing SEPA transfer
- Payout currencies
- MPChat CardNot disclosedHolyheld CardEUR
Earn
- Advertised APY
- MPChat CardNot offeredHolyheld CardNot disclosed
- How it works
- MPChat CardNot offeredHolyheld CardOptional earn vault
- Separate deposit
- MPChat CardNot offeredHolyheld CardYes
- Use balance for spending
- MPChat CardNot offeredHolyheld CardNot disclosed
- Lock-up
- MPChat CardNot offeredHolyheld CardNo
Trust & availability
- Custody
- MPChat CardCustodialHolyheld CardHybrid custody
- Control until payment
- MPChat CardProvider controls fundsHolyheld CardProvider controls funds
- Card issuer
- MPChat CardNot disclosedHolyheld CardUnlimit EU Ltd
- Identity verification
- MPChat CardNot disclosedHolyheld CardSumsub / Idenfy
- Programme operator
- MPChat CardNot disclosedHolyheld CardHolyheld Labs AG
Sign-up Offers
MPChat Card
Partner offer5 USDT after first virtual card approval
Complete application and card approval; the reward is credited to MPChat Pay after approval.
MPChat's friend-benefits page states 5 USDT after first virtual-card approval; one application guide uses 5 USD wording.
Offer details & conditions
Holyheld Card
No active signup offer listed.
Choosing between these cards
When to choose MPChat or Holyheld
Using an exchange account
Holyheld does not require a centralised-exchange account; MPChat does. Consider MPChat if you already want to use that exchange, or Holyheld if you want to avoid that account requirement.
Using the crypto you already hold
MPChat's reviewed deposit assets include USDT; Holyheld's include USDC. If you already hold one of these assets, compare its deposit network and conversion route before moving funds.
Common questions
MPChat vs Holyheld FAQ
Is MPChat or Holyheld better overall?
Holyheld Card has the higher Overall Score (75 vs 52). 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, MPChat or Holyheld?
MPChat Card has the lower published FX fee (0% MPChat FX markup; Visa/issuer FX is passed through and varies by country and region. Purchase fees and USDT conversion costs are separate 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, MPChat or Holyheld?
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 MPChat and Holyheld differ on custody?
MPChat Card uses a custodial balance setup, while Holyheld Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this MPChat vs Holyheld comparison?
The latest information check for these two cards was November 12, 2026, using 58 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.