1inch1inch
79
Side-by-side card comparison
1inch vs Lava: fees, rewards and account setup
1inch Card has the higher Overall Score by 17 points (79 vs 62). 1inch Card also looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers. The details below show where Lava Card may still be the better personal fit.
Information checked Oct 6, 202641 official sources reviewed
01 · Make the first cut
1inch Card is the better all-round starting point
1inch Card has the higher Overall Score in this comparison. Lava 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.
Overall1inch79Lava62Higher score
Cashback1inch63Lava36Higher score
Travel1inch82Lava46Higher score
Funds control1inch80Lava56Higher score
Lowest fees1inch74Lava59Higher score
Transfers1inch93Lava80Higher score
Choose 1inch Card if cashback and travel matter most
1inch 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.
- Physical, virtual and ATM access
- Both major phone wallets
- Cashback in four crypto assets
Choose Lava Card if its day-to-day setup suits you
Lava 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.
- No provider card FX fee
- BTC rewards at selected partners
- Stablecoin and bank funding
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
- 1inch79Lava62
1inch Card has the higher Overall Score by 17 points.
- Entry cost & FX
- 1inch$0 plan · 0% provider FX markup; Mastercard rate applies FXLava$0 plan · 0% provider FX fee 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
- 1inch1% base · up to 2%LavaUp to 5%
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
- 1inchHybrid custodyLavaHybrid custody
1inch Card and Lava Card use the same hybrid custody setup.
- Everyday access
- 1inchVirtual + Physical · Apple Pay, Google PayLavaCard format not disclosed · Apple Pay, Google Pay
1inch Card lists more card formats and phone-wallet options (4 vs 2).
- Money movement
- 1inch1 stablecoin · Stablecoin transfers; EUR or GBP bank withdrawalLava3 stablecoins · Stablecoin transfers; Lava account bank withdrawal
Lava Card lists more stablecoins and ways to send money out (5 vs 3).
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
- 1%-2%
- Plan cost
- $0
- FX fee
- 0% provider FX markup; Mastercard rate applies
- ATM fee
- €2.50 UK; €3 + 1.5% outside UK
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 1 fiat
- Payout methods
- 9 crypto · 2 fiat
- Cashback
- Up to 5%
- Plan cost
- $0
- FX fee
- 0% provider FX fee
- ATM fee
- 2%; min $1
- Card formats
- Not disclosed
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 3 crypto · 1 fiat
- Payout methods
- 1 crypto · 2 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
Cards1inch CardOverall79Lava CardOverall62
1inch CardOverall79Lava CardOverall62Scores
6 fields- Overall Score
- 1inch Card79Lava Card62
- Cashback score
- 1inch Card63Lava Card36
- Travel score
- 1inch Card82Lava Card46
- Funds control score
- 1inch Card80Lava Card56
- Lowest fees score
- 1inch Card74Lava Card59
- Transfers score
- 1inch Card93Lava Card80
Strengths & trade-offs
2 fields- Strengths
- 1inch CardPhysical, virtual and ATM access, Both major phone walletsLava CardNo provider card FX fee, BTC rewards at selected partners
- Trade-offs
- 1inch CardPurchase fee stack is unclear, Card funds leave self-custodyLava CardCard access remains unclear, USD settlement is custodial
Costs
7 fields- Plan cost
- 1inch Card$0Lava Card$0
- FX fee
- 1inch Card0% provider FX markup; Mastercard rate appliesLava Card0% provider FX fee
- Top-up fee
- 1inch CardEUR/GBP provider-account bank deposit: 0%Lava CardNo added Lava funding markup. Banks and payment providers may charge; the FAQ lists 1.25% same-day ACH and $25 domestic wire. Regular ACH, SEPA and SPEI are listed as free where eligible. The fee recipient is not specified
- Card spending fee
- 1inch Card2%Lava CardNot disclosed
- ATM fee
- 1inch Card€2.50 UK; €3 + 1.5% outside UKLava Card2%; min $1
- Virtual card
- 1inch CardNot disclosedLava CardNot disclosed
- Physical card
- 1inch CardNot disclosedLava CardNot disclosed
Plans
2 fields- Available plans
- 1inch CardNot disclosedLava CardNot disclosed
- Top cashback plan
- 1inch CardNot disclosedLava CardNot disclosed
Everyday use
8 fields- Network
- 1inch CardMastercardLava CardVisa
- Card formats
- 1inch CardVirtual, PhysicalLava CardNot disclosed
- ATM withdrawals
- 1inch CardAvailableLava CardNot disclosed
- Mobile wallets
- 1inch CardApple Pay, Google PayLava CardApple Pay, Google Pay
- Apps
- 1inch CardiOS, AndroidLava CardiOS, Android, Web
- Daily spending limit
- 1inch CardAccount-specific in ProfileLava CardAccount-specific and collateral-dependent; universal daily amount not disclosed.
- Monthly spending limit
- 1inch CardAccount-specific in ProfileLava CardAccount-specific; universal monthly amount not disclosed.
- ATM limit
- 1inch CardAccount-specific in ProfileLava CardAccess is conditional; withdrawal limits not disclosed.
Funding & transfers
5 fields- Networks
- 1inch CardBitcoin, Litecoin, XRP Ledger, Ethereum, SolanaLava CardSolana, Ethereum, Arbitrum, Avalanche, Base, Celo +4
- Crypto deposits
- 1inch CardOther crypto: BTC, LTC, XRP or supported Ethereum/Solana assetsLava CardStablecoins: USDC, USDT, PYUSD
- Fiat deposits
- 1inch CardEUR or GBP bank depositLava CardLava account bank funding
- Transfers
- 1inch CardStablecoin transfers; EUR or GBP bank withdrawalLava CardStablecoin transfers; Lava account bank withdrawal
- Payout currencies
- 1inch CardEUR, GBPLava CardUSD, EUR
Rewards
3 fields- Base cashback
- 1inch Card1%Lava CardNot disclosed
- Max cashback
- 1inch Card2%Lava Card5%
- Reward currency
- 1inch Card1INCH, USDT, BTC or BXXLava CardBTC
Earn
5 fields- Advertised APY
- 1inch CardNot offeredLava CardUp to 6.5% APY
- How it works
- 1inch CardNot offeredLava CardOptional earn vault
- Separate deposit
- 1inch CardNot offeredLava CardYes
- Use balance for spending
- 1inch CardNot offeredLava CardNo
- Lock-up
- 1inch CardNot offeredLava CardNo
Trust & availability
5 fields- Custody
- 1inch CardHybrid custodyLava CardHybrid custody
- Control until payment
- 1inch CardProvider controls fundsLava CardProvider controls funds
- Card issuer
- 1inch CardMonavate Ltd, UAB MonavateLava CardThird National
- Card processing
- 1inch CardCrypto LifeLava CardNot disclosed
- Custody / key management
- 1inch CardBaanxLava CardNot disclosed
Sources
2 fields- Official sources
- 1inch Card13Lava Card28
- Last reviewed
- 1inch CardAug 31, 2026Lava CardOct 6, 2026
04 · The takeaway
1inch Card is the stronger all-round choice
1inch Card finishes ahead with an Overall Score of 79 versus 62 for Lava Card. The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below.
Lava Card can still be the more comfortable choice if its availability, card setup or way of holding funds suits you better. 1inch Card and Lava Card use the same hybrid custody setup.
Lava Card lists more stablecoins and ways to send money out (5 vs 3). 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 1inch Card and Lava Card reviews first.
Continue with
1inch Card
Continue with
Lava Card
05 · Common questions
1inch vs Lava FAQ
Is 1inch or Lava better overall?
1inch Card has the higher Overall Score (79 vs 62). 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, 1inch or Lava?
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, 1inch or Lava?
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 1inch and Lava differ on custody?
1inch Card and Lava Card use the same hybrid custody setup.
How current is this 1inch vs Lava comparison?
The latest information check for these two cards was October 6, 2026, using 41 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.