1inch Debit Card vs Genome
Both 1inch Debit Card and Genome clear the checkouts our readers ask about most. Here is where the two part ways on fees and verification.
1inch Debit Card issues on Visa + Mastercard and Genome on Visa; both ask for ID + proof; only 1inch Debit Card takes crypto top-ups.
1inch Debit Card is the more cost-effective option for everyday spending and travel thanks to its free virtual cards, no monthly fee, 0% foreign transaction fees, no top-up fee. Genome is the better fit for power users who need bank-transfer funding and ad spend.
The head to head
| Field | 1inch Debit Card | Genome |
|---|---|---|
| Card network | Visa + Mastercard | Visa |
| Card type | Crypto Card | Digital Bank / Neobank |
| KYC | ID + proof | ID + proof |
| Card issuance fee | Free | Virtual card 1 EUR (first 10); 10 EUR from 11th |
| Monthly fee | Free | Free EUR (card monthly fee); non-EEA personal account 20 EUR/mo or 200 EUR/yr |
| Top-up fee | — | Non-Genome card top-up 3% (externally initiated 1%) |
| FX fee | — | Non-card currency transactions 2%; EUR/USD/GBP conversion 1% |
| Crypto funding | Yes (multi-chain) | No |
| AI tool support | ChatGPT / Claude / Midjourney | ChatGPT |
| Risk level | Low-Medium | Medium |
| Our rating | 8.2 | 9.3 |
| User reviews | 585 | 159 |
| Best for | All-rounder · AI subscriptions | Ad spend · AI subscriptions |
A green left edge marks the side that holds the advantage on that row, where the data gives one.
The short version of the matchup
- If the monthly outgoings matter, 1inch Debit Card leaves more in your pocket than Genome.
- Multi-task users get more from 1inch Debit Card — it clears more of the checkouts we run through our test suite.
- Only 1inch Debit Card takes crypto top-ups in our data — worth knowing before you decide.
- In our scoring, Genome finished ahead of 1inch Debit Card — not by a mile, but enough to tilt a tiebreak.
- 1inch Debit Card carries the lower risk flag in our file, which some users prefer for a primary card.
The two, compared
Run the numbers against your own usage. 1inch Debit Card runs free to create plus no top-up fee per top-up; Genome runs about $1.09 plus a 3% top-up. For one or two subscriptions the first column wins; for bank-transfer funding and ad-platform billing, the second does.
Questions people ask
That depends on what you spend on. 1inch Debit Card scores 8.2/10 against Genome's 9.3/10 in our tests, but the two split on fees, KYC and crypto funding. Read the table above, then match it to the checkouts you actually run.
1inch Debit Card works out cheaper: no virtual card issuance fee, free account maintenance, 0% foreign transaction fee, no top-up fee. Genome adds about $1.09 per virtual card, a 2% FX fee, a 3% top-up fee.
1inch Debit Card asks for ID + proof at signup; Genome asks for ID + proof. If a light sign-up is the priority, the one with the lower KYC label is the faster route.
Both show up in 1 of the same test scenarios, including RunwayML. They overlap on a good share of checkouts, so the choice between them matters most on those pages. Where one is accepted and the other is not usually comes down to the billing country and 3-D Secure handling.
Where both show up
1inch Debit Card and Genome both landed in our top picks for 1 checkouts. Grouped by category so you can jump straight to the one you actually pay for:
🤖 AI Tools & Developer Tools 1
Their BIN ranges
Cards issued in 🇪🇺 Europe (EEA) · 🇦🇺 Australia — the country guides group every range we track from there.
What our charge log shows
Every count here is a real charge attempt we placed on that range, renewals included, with the gateway response recorded. Weeks tracked is how long the range has been in the programme: