PayyPayy
62
Side-by-side card comparison
Payy vs Tangem: fees, rewards and account setup
Payy Card has the higher Overall Score by 2 points (62 vs 60). Payy Card also looks stronger for Cashback, Funds control, Lowest fees, and Transfers. The details below show where Tangem Card may still be the better personal fit.
Information checked Aug 28, 202623 official sources reviewed
01 · Make the first cut
Payy Card is the better all-round starting point
Payy Card has the higher Overall Score in this comparison. Tangem 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.
OverallPayy62Tangem60Higher score
CashbackPayy17Tangem15Higher score
TravelPayy27Tangem27Same score
Funds controlPayy97Tangem83Higher score
Lowest feesPayy57Tangem53Higher score
TransfersPayy68Tangem58Higher score
Choose Payy Card if cashback and funds control matter most
Payy Card comes out ahead for Cashback, 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 wallet control
- No monthly or transaction fee
- Instant virtual Visa with phone wallets
Choose Tangem Card if its day-to-day setup suits you
Tangem 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, Funds control, Lowest fees, and Transfers, so compare that advantage with the features you would actually use.
- Apple Pay and Google Pay
- Direct USDC funding on Polygon
- No monthly or standard purchase fee
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
- Payy62Tangem60
Payy Card has the higher Overall Score by 2 points.
- Entry cost & FX
- Payy$0 plan · 1–3% FXTangem$0 plan · Up to 3% legal cap; current fee unknown 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
- Payy0% cashbackTangem0% cashback
Both cards show the same base cashback rate of 0%.
- Funds control
- PayySelf-controlled walletTangemHybrid custody
Payy Card uses a self-controlled wallet setup, while Tangem 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 PayTangemVirtual · Apple Pay, Google Pay
Both cards list the same number of card formats and phone-wallet options.
- Money movement
- Payy1 stablecoin · Stablecoin transfers; Payy payment linksTangem1 stablecoin · Stablecoin transfers
Payy Card lists more stablecoins and ways to send money out (3 vs 2).
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%
- 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%
- Plan cost
- $0
- FX fee
- Up to 3% legal cap; current fee unknown
- ATM fee
- Not available
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 0 fiat
- Payout methods
- 1 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
CardsPayy CardOverall62Tangem CardOverall60
Payy CardOverall62Tangem CardOverall60Scores
6 fields- Overall Score
- Payy Card62Tangem Card60
- Cashback score
- Payy Card17Tangem Card15
- Travel score
- Payy Card27Tangem Card27
- Funds control score
- Payy Card97Tangem Card83
- Lowest fees score
- Payy Card57Tangem Card53
- Transfers score
- Payy Card68Tangem Card58
Strengths & trade-offs
2 fields- Strengths
- Payy CardSelf-custody wallet control, No monthly or transaction feeTangem CardApple Pay and Google Pay, Direct USDC funding on Polygon
- Trade-offs
- Payy CardFX can reach 3%, Cash and physical access are constrainedTangem CardNo current cashback, Virtual-only with no ATM access
Costs
7 fields- Plan cost
- Payy Card$0Tangem Card$0
- FX fee
- Payy Card1–3%Tangem CardUp to 3% legal cap; current fee unknown
- Top-up fee
- Payy Card0%Tangem Card0%
- Card spending fee
- Payy Card0%Tangem Card0%
- ATM fee
- Payy CardNot availableTangem CardNot available
- Virtual card
- Payy CardFree; instant after KYCTangem Card$0 for the first virtual card
- Physical card
- Payy CardNot disclosedTangem CardNot disclosed
Plans
2 fields- Available plans
- Payy CardNot disclosedTangem CardNot disclosed
- Top cashback plan
- Payy CardNot disclosedTangem CardNot disclosed
Everyday use
8 fields- Network
- Payy CardVisa/Other networkTangem CardVisa
- Card formats
- Payy CardVirtualTangem CardVirtual
- ATM withdrawals
- Payy CardNot availableTangem CardNot available
- Mobile wallets
- Payy CardApple Pay, Google PayTangem CardApple Pay, Google Pay
- Apps
- Payy CardiOS, AndroidTangem CardiOS, Android
- Daily spending limit
- Payy CardNot disclosedTangem CardBasic advertises $10,000 daily; the account system/default shows up to $50,000, so the effective Basic limit is unclear
- Monthly spending limit
- Payy CardNot disclosedTangem CardNo current monthly POS amount is published; up to 1,000 POS transactions per month
- ATM limit
- Payy CardNot disclosedTangem CardATM withdrawals are not currently available
Funding & transfers
5 fields- Networks
- Payy CardPolygon, Payy NetworkTangem CardPolygon
- Crypto deposits
- Payy CardStablecoins: USDCTangem CardStablecoins: USDC
- Fiat deposits
- Payy CardBank-account depositTangem CardNot disclosed
- Transfers
- Payy CardStablecoin transfers; Payy payment linksTangem CardStablecoin transfers
- Payout currencies
- Payy CardNot disclosedTangem CardNot disclosed
Rewards
3 fields- Base cashback
- Payy Card0%Tangem Card0%
- Max cashback
- Payy Card0%Tangem Card0%
- Reward currency
- Payy CardNo cashbackTangem CardNo current purchase rewards
Earn
5 fields- Advertised APY
- Payy CardNot offeredTangem CardNot offered
- How it works
- Payy CardNot offeredTangem CardNot offered
- Separate deposit
- Payy CardNot offeredTangem CardNot offered
- Use balance for spending
- Payy CardNot offeredTangem CardNot offered
- Lock-up
- Payy CardNot offeredTangem CardNot offered
Trust & availability
5 fields- Custody
- Payy CardSelf-custodyTangem CardHybrid custody
- Control until payment
- Payy CardYou keep controlTangem CardYou keep control
- Card issuer
- Payy CardThird National / RainTangem CardThird National
- Card processing
- Payy CardRainTangem CardPaera LLC
- Identity verification
- Payy CardNot disclosedTangem CardSumsub
Sources
2 fields- Official sources
- Payy Card5Tangem Card18
- Last reviewed
- Payy CardAug 5, 2026Tangem CardAug 28, 2026
04 · The takeaway
Payy Card is the stronger all-round choice
Payy Card finishes ahead with an Overall Score of 62 versus 60 for Tangem Card. The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. Both cards show the same base cashback rate of 0%.
Tangem Card can still be the more comfortable choice if its availability, card setup or way of holding funds suits you better. Payy Card uses a self-controlled wallet setup, while Tangem Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
Payy Card lists more stablecoins and ways to send money out (3 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 Payy Card and Tangem Card reviews first.
Continue with
Payy Card
Continue with
Tangem Card
05 · Common questions
Payy vs Tangem FAQ
Is Payy or Tangem better overall?
Payy Card has the higher Overall Score (62 vs 60). 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 Tangem?
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, Payy or Tangem?
Both cards show the same base cashback rate of 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 Tangem differ on custody?
Payy Card uses a self-controlled wallet setup, while Tangem 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 Tangem comparison?
The latest information check for these two cards was August 28, 2026, using 23 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.