Blackcatcard vs MyFin
Both Blackcatcard and MyFin clear the checkouts our readers ask about most. Here is where the two part ways on fees and verification.
Blackcatcard issues on Mastercard and MyFin on Visa · Mastercard; verification is ID + proof at Blackcatcard versus ID only at MyFin; only Blackcatcard takes crypto top-ups.
MyFin is the more cost-effective option for everyday spending and travel thanks to its free virtual cards, no monthly fee. Blackcatcard is the better fit for power users who need crypto funding.
What sets them apart
| Field | Blackcatcard | MyFin |
|---|---|---|
| Card network | Mastercard | Visa, Mastercard |
| Card type | Crypto Card | Digital Bank / Neobank |
| KYC | ID + proof | ID only |
| Card issuance fee | Free | Free |
| Monthly fee | Free (1 card); €2/mo (2+ cards) | Free (Standard); Advanced ~€5.14; Premium ~€10.23/€10 per mo |
| Top-up fee | — | — |
| FX fee | — | 0% |
| Crypto funding | Yes (BTC/ETH/USDT) | — |
| AI tool support | — | — |
| Risk level | Low-Medium | Low-Medium |
| Our rating | 8.2 | 8.8 |
| User reviews | 270 | 376 |
| Best for | App Store / Play · Free issuance | App Store / Play · Free issuance |
A green left edge marks the side that holds the advantage on that row, where the data gives one.
The two, compared
- Tight on fees? MyFin is the cheaper card to hold day to day.
- MyFin asks for less verification up front, which matters if you want a card live the same day.
- Blackcatcard can sit on a crypto balance; MyFin cannot, so the call depends on how you fund it.
- MyFin edged Blackcatcard on our composite rating across fees, risk and merchant tests.
Side by side
Run the numbers against your own usage. MyFin runs free to create plus no top-up fee per top-up; Blackcatcard runs free plus no top-up fee. For one or two subscriptions the first column wins; for crypto funding, the second does.
Questions people ask
That depends on what you spend on. Blackcatcard scores 8.2/10 against MyFin's 8.8/10 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.
MyFin works out cheaper: no virtual card issuance fee, free account maintenance. Blackcatcard adds $1.09 a month.
Blackcatcard asks for ID + proof at signup; MyFin asks for ID only. 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 Contabo. 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
Blackcatcard and MyFin both landed in our top picks for 1 checkouts. Grouped by category so you can jump straight to the one you actually pay for:
🌐 Cloud & VPS 1
Their BIN ranges
Cards issued in 🇪🇺 Europe (EEA) — 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: