PayyPayy
62
Side-by-side card comparison
Payy vs Holyheld: overall score versus use-case fit
Holyheld Card has the higher Overall Score by 13 points (75 vs 62). Payy Card looks stronger for Funds control, while Holyheld Card comes out ahead for Cashback, Travel, Lowest fees, and Transfers.
Information checked Aug 12, 202633 official sources reviewed
01 · Overall score versus use-case fit
Holyheld Card is the better all-round starting point
Holyheld Card has the higher Overall Score in this comparison. Payy Card may be the better fit for Funds control. 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.
OverallPayy62Holyheld75Higher score
CashbackPayy17Holyheld64Higher score
TravelPayy27Holyheld68Higher score
Funds controlPayy97Holyheld74Higher score
Lowest feesPayy57Holyheld67Higher score
TransfersPayy68Holyheld81Higher score
Choose Payy Card if funds control matters most
Payy Card comes out ahead for Funds control in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Self-custody wallet control
- No monthly or transaction fee
- Instant virtual Visa with phone wallets
Choose Holyheld Card if cashback and travel matter most
Holyheld Card comes out ahead for Cashback, Travel, 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
Where each card has the edge
The overall leader does not win every use case, so the reason you want the card matters here.
- Overall Score
- Payy62Holyheld75
Holyheld Card has the higher Overall Score by 13 points.
- Entry cost & FX
- Payy$0 plan · 1–3% FXHolyheld$0 plan · Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency FX
Payy Card has the lower published FX fee (1–3% vs Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency).
- Purchase rewards
- Payy0% cashbackHolyheld0.5% base · up to 1%
Holyheld Card has the higher published base cashback rate (0.5% vs 0%).
- Funds control
- PayySelf-controlled walletHolyheldHybrid custody
Payy Card uses a self-controlled wallet 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
- PayyVirtual · Apple Pay, Google PayHolyheldVirtual + Physical · Apple Pay, Google Pay
Holyheld Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Payy1 stablecoin · Stablecoin transfers; Payy payment linksHolyheld2 stablecoins · Stablecoin transfers; Outgoing SEPA transfer
Holyheld Card lists more stablecoins and ways to send money out (4 vs 3).
02 · Read the shortlist
A closer look at the split decision
Start with the strengths that drive each use-case result, then test them against costs and access.
- Cashback
- 0%
- Plan cost
- $0
- FX fee
- 1–3%
- ATM fee
- Not available
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 1 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
03 · Compare the details
See how the trade-offs line up
Comparable figures receive a marker; missing or unverified details stay visible instead of becoming an assumed advantage.
Best known Not disclosed
CardsPayy CardOverall62Holyheld CardOverall75
Payy CardOverall62Holyheld CardOverall75Scores
6 fields- Overall Score
- Payy Card62Holyheld Card75
- Cashback score
- Payy Card17Holyheld Card64
- Travel score
- Payy Card27Holyheld Card68
- Funds control score
- Payy Card97Holyheld Card74
- Lowest fees score
- Payy Card57Holyheld Card67
- Transfers score
- Payy Card68Holyheld Card81
Strengths & trade-offs
2 fields- Strengths
- Payy CardSelf-custody wallet control, No monthly or transaction feeHolyheld CardSelf-custody crypto before card top-up, Virtual, physical and metal Mastercard
- Trade-offs
- Payy CardFX can reach 3%, Cash and physical access are constrainedHolyheld CardCountry eligibility is incomplete, Foreign spend can be expensive
Costs
7 fields- Plan cost
- Payy Card$0Holyheld Card$0
- FX fee
- Payy Card1–3%Holyheld CardUp to 5.5% + EUR 1; actual pricing depends on transaction geography and currency
- Top-up fee
- Payy Card0%Holyheld Card0%
- Card spending fee
- Payy Card0%Holyheld Card€0.50
- ATM fee
- Payy CardNot availableHolyheld CardUp to EUR 2 + 2.5%
- Virtual card
- Payy CardFree; instant after KYCHolyheld CardLimited Edition virtual card: EUR 99; Classic includes virtual access
- Physical card
- Payy CardNot disclosedHolyheld CardClassic: EUR 29; Metal: EUR 199
Plans
2 fields- Available plans
- Payy CardNot disclosedHolyheld Card3 plans: Classic, Limited Edition, Metal
- Top cashback plan
- Payy CardNot disclosedHolyheld CardMetal: 1%
Everyday use
8 fields- Network
- Payy CardVisa/Other networkHolyheld CardMastercard
- Card formats
- Payy CardVirtualHolyheld CardVirtual, Physical
- ATM withdrawals
- Payy CardNot availableHolyheld CardAvailable
- Mobile wallets
- Payy CardApple Pay, Google PayHolyheld CardApple Pay, Google Pay
- Apps
- Payy CardiOS, AndroidHolyheld CardiOS, Android, Web
- Daily spending limit
- Payy CardNot disclosedHolyheld CardEUR 10,000 daily
- Monthly spending limit
- Payy CardNot disclosedHolyheld CardEUR 25,000 monthly; EUR 250,000 annually
- ATM limit
- Payy CardNot disclosedHolyheld CardEUR 1,000 per 24 hours; EUR 5,000 per 30 days
Funding & transfers
5 fields- Networks
- Payy CardPolygon, Payy NetworkHolyheld CardEthereum, Arbitrum, Base, Optimism, Polygon, Gnosis +2
- Crypto deposits
- Payy CardStablecoins: USDCHolyheld CardStablecoins: USDC, USDT
- Fiat deposits
- Payy CardBank-account depositHolyheld CardPersonal EUR IBAN
- Transfers
- Payy CardStablecoin transfers; Payy payment linksHolyheld CardStablecoin transfers; Outgoing SEPA transfer
- Payout currencies
- Payy CardNot disclosedHolyheld CardEUR
Rewards
3 fields- Base cashback
- Payy Card0%Holyheld Card0.5%
- Max cashback
- Payy Card0%Holyheld Card1%
- Reward currency
- Payy CardNo cashbackHolyheld CardUSDC
Earn
5 fields- Advertised APY
- Payy CardNot offeredHolyheld CardNot disclosed
- How it works
- Payy CardNot offeredHolyheld CardOptional earn vault
- Separate deposit
- Payy CardNot offeredHolyheld CardYes
- Use balance for spending
- Payy CardNot offeredHolyheld CardNot disclosed
- Lock-up
- Payy CardNot offeredHolyheld CardNo
Trust & availability
6 fields- Custody
- Payy CardSelf-custodyHolyheld CardHybrid custody
- Control until payment
- Payy CardYou keep controlHolyheld CardProvider controls funds
- Card issuer
- Payy CardThird National / RainHolyheld CardUnlimit EU Ltd
- Card processing
- Payy CardRainHolyheld CardNot disclosed
- Identity verification
- Payy CardNot disclosedHolyheld CardSumsub / Idenfy
- Programme operator
- Payy CardNot disclosedHolyheld CardHolyheld Labs AG
Sources
2 fields- Official sources
- Payy Card5Holyheld Card28
- Last reviewed
- Payy CardAug 5, 2026Holyheld CardAug 12, 2026
04 · The trade-off
Holyheld Card is the stronger all-round choice
Holyheld Card finishes ahead with an Overall Score of 75 versus 62 for Payy Card. Payy Card has the lower published FX fee (1–3% vs Up to 5.5% + EUR 1; actual pricing depends on transaction geography and currency). Holyheld Card has the higher published base cashback rate (0.5% vs 0%).
Payy Card still comes out ahead for Funds control, which may matter more than the overall result if that is how you plan to use the card. Payy Card uses a self-controlled wallet 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 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 Payy Card and Holyheld Card reviews first.
Continue with
Payy Card
Continue with
Holyheld Card
05 · Common questions
Payy vs Holyheld FAQ
Is Payy or Holyheld better overall?
Holyheld Card has the higher Overall Score (75 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, Payy or Holyheld?
Payy Card has the lower published FX fee (1–3% 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, Payy or Holyheld?
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 Payy and Holyheld differ on custody?
Payy Card uses a self-controlled wallet 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 Payy vs Holyheld comparison?
The latest information check for these two cards was August 12, 2026, using 33 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.