MPChatMPChat
52
Side-by-side card comparison
MPChat vs Holyheld: where the score gap comes from
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.
Information checked Sep 23, 202658 official sources reviewed
01 · Where the gap opens
Holyheld Card is the better all-round starting point
Holyheld Card has the higher Overall Score in this comparison. MPChat 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.
OverallMPChat52Holyheld75Higher score
CashbackMPChat18Holyheld64Compare the details below
TravelMPChat72Holyheld68Compare the details below
Funds controlMPChat41Holyheld74Compare the details below
Lowest feesMPChat60Holyheld67Compare the details below
TransfersMPChat58Holyheld81Compare the details below
Choose MPChat Card if its day-to-day setup suits you
MPChat 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. Read the side-by-side details before deciding.
- Virtual and physical options
- No monthly card fee
- USDT funding on Tron
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. Read the side-by-side details before deciding.
- Self-custody crypto before card top-up
- Virtual, physical and metal Mastercard
- Personal IBAN and SEPA transfers
What separates the two cards
The higher score is only the start. The rows below show which product differences create it.
- Overall Score
- MPChat52Holyheld75
Holyheld Card has the higher Overall Score by 23 points.
- Entry cost & FX
- MPChat$0 plan · 0% MPChat FX markup; 0% MPChat cross-border markup. Visa/issuer pass-through and effective USDT settlement cost unknown; purchase fee separate FXHolyheld$0 plan · Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency FX
MPChat Card has the lower published FX fee (0% MPChat FX markup; 0% MPChat cross-border markup. Visa/issuer pass-through and effective USDT settlement cost unknown; purchase fee separate vs Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency).
- Purchase rewards
- MPChatNot disclosedHolyheld0.5% base · up to 1%
The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below.
- Funds control
- MPChatCustodial balanceHolyheldHybrid 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.
- Everyday access
- MPChatVirtual + Physical · Google PayHolyheldVirtual + Physical · Apple Pay, Google Pay
Holyheld Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- MPChat1 stablecoin · Stablecoin transfersHolyheld2 stablecoins · Stablecoin transfers; Outgoing SEPA transfer
Holyheld Card lists more stablecoins and ways to send money out (4 vs 2).
02 · Read the shortlist
Why one card starts ahead
These quick facts cover the costs, rewards and everyday features behind the early lead.
- Cashback
- Not disclosed
- Plan cost
- $0
- FX fee
- 0% MPChat FX markup; 0% MPChat cross-border markup. Visa/issuer pass-through and effective USDT settlement cost unknown; purchase fee separate
- ATM fee
- Boundless only: 2%, minimum $1; Cloud has no ATM access
- Card formats
- Virtual, Physical
- Wallet payments
- Google Pay
- Receive methods
- 1 crypto · 0 fiat
- Payout methods
- 1 crypto · 0 fiat
- 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
Current signup offers
Signup value available today
A welcome offer can improve the value of your first months with a card. Check the eligibility rules, qualifying actions and deadline first. Signup offers are excluded from card scores.
MPChat Card
5 USDT after first virtual card approval
First virtual card referral reward
- Download MPChat through the referral link.
- Enter coupon ID 76912265 during activation of your first virtual card.
- Complete application and card approval; the reward is credited to MPChat Pay after approval.
Coupon ID76912265
MPChat's friend-benefits page states 5 USDT after first virtual-card approval; one application guide uses 5 USD wording.
Holyheld Card
No active signup offer listed
We do not currently list an active signup offer for this card.
Partner links may earn us a commission. Read our affiliate disclosure for how these links work.
03 · Compare the details
Test the lead, row by row
A better number is marked only when both providers publish values that can be compared fairly.
Best known Not disclosed
CardsMPChat CardOverall52Holyheld CardOverall75
MPChat CardOverall52Holyheld CardOverall75Scores
6 fields- Overall Score
- MPChat Card52Holyheld Card75
- Cashback score
- MPChat Card18Holyheld Card64
- Travel score
- MPChat Card72Holyheld Card68
- Funds control score
- MPChat Card41Holyheld Card74
- Lowest fees score
- MPChat Card60Holyheld Card67
- Transfers score
- MPChat Card58Holyheld Card81
Strengths & trade-offs
2 fields- Strengths
- MPChat CardVirtual and physical options, No monthly card feeHolyheld CardSelf-custody crypto before card top-up, Virtual, physical and metal Mastercard
- Trade-offs
- MPChat CardPurchase fee on each spend, Effective conversion cost unclearHolyheld CardCountry eligibility is incomplete, Foreign spend can be expensive
Costs
7 fields- Plan cost
- MPChat Card$0Holyheld Card$0
- FX fee
- MPChat Card0% MPChat FX markup; 0% MPChat cross-border markup. Visa/issuer pass-through and effective USDT settlement cost unknown; purchase fee 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$0.15 + 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
2 fields- Available plans
- MPChat Card2 plans: Cloud Card, Boundless CardHolyheld Card3 plans: Classic, Limited Edition, Metal
- Top cashback plan
- MPChat CardNot disclosedHolyheld CardMetal: 1%
Everyday use
8 fields- 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
5 fields- 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
Rewards
3 fields- Base cashback
- MPChat CardNot disclosedHolyheld Card0.5%
- Max cashback
- MPChat CardNot disclosedHolyheld Card1%
- Reward currency
- MPChat CardNot disclosedHolyheld CardUSDC
Earn
5 fields- 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
5 fields- 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
Sources
2 fields- Official sources
- MPChat Card30Holyheld Card28
- Last reviewed
- MPChat CardSep 23, 2026Holyheld CardSep 9, 2026
04 · The verdict
Holyheld Card is the stronger all-round choice
Holyheld Card finishes ahead with an Overall Score of 75 versus 52 for MPChat Card. MPChat Card has the lower published FX fee (0% MPChat FX markup; 0% MPChat cross-border markup. Visa/issuer pass-through and effective USDT settlement cost unknown; purchase fee separate vs Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency). The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below.
MPChat Card can still be the more comfortable choice if its availability, card setup or way of holding funds suits you better. 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.
Holyheld Card lists more stablecoins and ways to send money out (4 vs 2). 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 MPChat Card and Holyheld Card reviews first.
Continue with
MPChat Card
Continue with
Holyheld Card
05 · 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; 0% MPChat cross-border markup. Visa/issuer pass-through and effective USDT settlement cost unknown; purchase fee 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 September 23, 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.