ether.fi Cash

ether.fi · Visa · credit line · Hybrid custody · metal

40 countriesVerified 5 Sep 2026

At $1,000/month spend with no stake, ether.fi Cash nets +$330 a year. According to Cardefi data, 5 of 11 key figures are verified from the issuer's pages, latest 5 Sep 2026.

Open at ether.fidirect — pays us nothing

Cashback at your stake: 3.0%
Min. stake for rewards: None
Annual fee: —
FX fee: 1.0%
Net value / yr: +$330
Break-even: $0

Recalculate for a stake ofSpendchanges every number on this page

Cashback and net value by stake

Stake	Tier	Cashback	Net value / yr
$0 you Core	Core	3.0%	+$330

How this card scores

Same arithmetic as every card in the catalogue, with this card's numbers in:

Cashback at your stake	3.0% × $12,000	+$360
Yearly fees	annual $0 + 12 × $0	−$0
FX on 25.0% of spend	1.0% × $3,000	−$30
Locked stake, 5.0% opportunity cost	$0 × 5.0%	−$0
Net value per year		+$330

Fees in full

Every figure below carries the issuer's own words. Tap a source count to read them. A dash means we looked and the issuer does not say. How these fees compare across every card.

Annual fee	— not disclosedThe fees article lists only ATM limits and FX; loyalty levels are free (by points)
Monthly fee	— not disclosedSee annual
Card issuance	— not disclosedPhysical cards article not captured
Foreign transaction (FX)	1.0%Base FX rate about 1% plus a markup of 0–0.5% (Core), 0–0.25% (Luxe), 0 (Pinnacle/VIP). EUR payments carry no markup (beta) 3 sources “ether.fi applies the prevailing FX base rate (~1%) and may add a foreign exchange margin on top of that base rate.”[2] · help_center · captured 5 Sep 2026 “0 to 0.5%”[3] · help_center · captured 5 Sep 2026 “When you pay at a merchant that charges in EUR, ether.fi now applies zero FX markup.”[4] · help_center · captured 5 Sep 2026
Crypto conversion / spread	— not disclosedPaid in USDC stablecoin; conversion spread not disclosed
ATM withdrawal	— not disclosedLimits stated ($500 per transaction, 3 per day), fee not stated

Reward tiers, as the issuer states them

Tier	Requirement · rate · cap
Core	3.0% · None · Cap: $2,000 / month of spend · Paid in USDC 2 sources “3% on the first $2,000 each month”[5] · help_center · captured 5 Sep 2026 “USD: First $2,000 EUR: First $800 \| 3% \| 3%”[6] · help_center · captured 5 Sep 2026
Luxe	3.0% · Loyalty points · Cap: $10,000 / month of spend · Paid in USDC 2 sources “3% on the first $10,000 each month”[5] · help_center · captured 5 Sep 2026 “To level to Luxe, you need 10K points/mo to activate and 10K points/mo to maintain.”[7] · help_center · captured 5 Sep 2026
Pinnacle	3.0% · Loyalty points · Cap: $50,000 / month of spend · Paid in USDC 1 source “3% on the first $50,000 each month”[5] · help_center · captured 5 Sep 2026
VIP	4.0% · Loyalty points · Cap: $50,000 / month of spend · Paid in USDC 1 source “4% on the first $50,000 each month”[5] · help_center · captured 5 Sep 2026

Limits

ATM per day	$1,500 / day$500 per transaction, at most three withdrawals per rolling 24 hours 1 source “$500 per transaction. Maximum of three ATM withdrawals in any rolling 24 hour period ($1,500 total).”[2] · help_center · captured 5 Sep 2026
Spend per month	— not disclosedCard and vault limits are set by the user (article "Managing your card and vault limits")

What we could not find

These figures matter for the score, and the issuer's public pages do not state them. Where we looked is listed under Sources.

Annual fee. The fees article lists only ATM limits and FX; loyalty levels are free (by points)
Monthly fee. See annual
Card issuance. Physical cards article not captured
Crypto conversion / spread. Paid in USDC stablecoin; conversion spread not disclosed
ATM withdrawal. Limits stated ($500 per transaction, 3 per day), fee not stated
Spend per month. Card and vault limits are set by the user (article "Managing your card and vault limits")

Sources

7 pages captured and stored with a checksum. Quotes above are matched against these snapshots by script.

help.ether.fi/en/articles/262373-in-which-regions-is-cash-available-in-for-personal-use · help_center · 5 Sep 2026
help.ether.fi/en/articles/303623-what-are-the-transaction-limits-and-fees-for-personal-cash-credit-cards · help_center · 5 Sep 2026
help.ether.fi/en/articles/758757-what-s-the-fx-markup-on-cash-transactions · help_center · 5 Sep 2026
help.ether.fi/en/articles/604957-eur-purchases-0-fx-rate · help_center · 5 Sep 2026
help.ether.fi/en/articles/776152-membership-level-benefits · help_center · 5 Sep 2026
help.ether.fi/en/articles/262374-how-does-cashback-work · help_center · 5 Sep 2026
help.ether.fi/en/articles/303625-how-do-membership-levels-work · help_center · 5 Sep 2026

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Access & funding

Regions: 40 countries
KYC: full
Top-up: Borrow against portfolio, Direct pay from spending token
Fiat: USD
Assets: USDC, EURC, ETH, 250+ assets as collateral
Form: virtual + physical
Wallets: Apple Pay, Google Pay

Risks to know

Collateral can be liquidated. Spending draws a credit line against your assets; a price drop can force a sale.

Who is behind the card

Brand / programme: ether.fi
Infrastructure: — not disclosed
Issuer of record: — not disclosed
Licence: —
Network: Visa
Custody: Hybrid custody · none
Credit: APR — · collateral can be liquidated

1 source

“For information on the VISA rate used, please visit”[2] · help_center · captured 5 Sep 2026

Status

Now: Live

“Top up your ether.fi Cash card with the assets you hold and use it for everyday purchases.”ether.fi · captured 5 Sep 2026

Where you can get it

Global: 40 countries: AT, BE, BG, HR, CY, CZ, DK, FR, DE, GR, IE, IT, LV, LT, LU, MT, PL, PT, RO, SK, SI, ES, SE, IS, LI, NO, GB, CH, US, CA, AU, SG, AE, BR, MX, AR, JP, HK, KR, NZ
US states excluded: AZ, DE, GA, ID, LA, MD, MT, NV, NM, ND, OH, OR, RI, SD, VT, WA, WI
blocked: BY, CN, CU, EE, FI, HU, IN, IQ, IL, MA, NP, NL, KP, PK, RU, SY, TR, UA, VE, VN

2 sources

“Ether.fi Cash and fiat services are not available to members who live in, are registered in, or are residents of certain restricted jurisdictions.”help.ether.fi · help_center · captured 5 Sep 2026

“Belarus | China | Cuba | Estonia | Finland | Hungary | India | Iraq | Israel | Morocco | Nepal | Netherlands | North Korea | Pakistan | Russia | Syria | Turkey | Ukraine | Venezuela | Vietnam”help.ether.fi · help_center · captured 5 Sep 2026

Availability and terms by country ↓

Trust

Verified: 5 Sep 2026
Coverage: 5 of 11 key figures verified, 6 not disclosed
Confidence: B official sources only
Disclosure: help center
Source: ether.fi
Link: direct — pays us nothing

Report a wrong figure · Formula v1.2

Availability and terms by country

One row per country with a Cardefi hub, read from the issuer's own country lists. 40 countries are listed as available in total.

Country	Status	Issuer / licence
United States	Availablechecked 5 Sep 2026
United Kingdom	Availablechecked 5 Sep 2026
Germany	Availablechecked 5 Sep 2026
Spain	Availablechecked 5 Sep 2026
Brazil	Availablechecked 5 Sep 2026
Australia	Availablechecked 5 Sep 2026
Ireland	Availablechecked 5 Sep 2026
Netherlands	Blockedchecked 5 Sep 2026
Portugal	Availablechecked 5 Sep 2026
Poland	Availablechecked 5 Sep 2026
Greece	Availablechecked 5 Sep 2026
Sweden	Availablechecked 5 Sep 2026
Czechia	Availablechecked 5 Sep 2026
Austria	Availablechecked 5 Sep 2026
Switzerland	Availablechecked 5 Sep 2026
Canada	Availablechecked 5 Sep 2026
Belgium	Availablechecked 5 Sep 2026
Cyprus	Availablechecked 5 Sep 2026
Latvia	Availablechecked 5 Sep 2026
Slovakia	Availablechecked 5 Sep 2026
Croatia	Availablechecked 5 Sep 2026
Bulgaria	Availablechecked 5 Sep 2026
Estonia	Blockedchecked 5 Sep 2026
Liechtenstein	Availablechecked 5 Sep 2026
Norway	Availablechecked 5 Sep 2026
Hungary	Blockedchecked 5 Sep 2026
Iceland	Availablechecked 5 Sep 2026
United Arab Emirates	Availablechecked 5 Sep 2026
Singapore	Availablechecked 5 Sep 2026
Japan	Availablechecked 5 Sep 2026
New Zealand	Availablechecked 5 Sep 2026
Argentina	Availablechecked 5 Sep 2026
Mexico	Availablechecked 5 Sep 2026

Questions about this card

Answers are generated from the verified fields on this page. A question is only shown when the figure behind it has a source.

What does ether.fi Cash charge on foreign currency?: ether.fi Cash adds 1.0% on transactions in a currency other than the account currency.
How much cashback does ether.fi Cash pay?: ether.fi Cash pays up to 3.0%, which is the highest rate any of its tiers reaches.
Does ether.fi Cash work with Apple Pay or Google Pay?: ether.fi Cash works with Apple Pay and Google Pay.
Who holds the funds behind ether.fi Cash?: ether.fi Cash runs on a credit line, so purchases are settled by the issuer and repaid afterwards rather than drawn from a balance you hold.
Does ether.fi Cash require identity verification?: Yes. ether.fi Cash requires full identity verification before the card can be used.