Crydit vs Genome
Both Crydit and Genome clear the checkouts our readers ask about most. Here is where the two part ways on fees and verification.
Crydit issues on Visa · Mastercard and Genome on Visa; both ask for ID + proof; only Crydit takes crypto top-ups.
Genome is the more cost-effective option for everyday spending and travel thanks to its no monthly fee. Crydit is the better fit for power users who need crypto funding and Alipay or WeChat top-ups.
Two cards, one decision
| Field | Crydit | Genome |
|---|---|---|
| Card network | Visa, Mastercard | Visa |
| Card type | Crypto Card | Digital Bank / Neobank |
| KYC | ID + proof | ID + proof |
| Card issuance fee | Visa card $179 (promo); Mastercard $199 ($100 off with existing Visa) | 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 | Visa 1% (account-to-card transfer); Mastercard 1.5%+12U | Non-Genome card top-up 3% (externally initiated 1%) |
| FX fee | Visa spending 1.5%+$0.8; Mastercard spending 0% | Non-card currency transactions 2%; EUR/USD/GBP conversion 1% |
| Crypto funding | Yes (USDT/USDC/DAI/USD1) | No |
| AI tool support | ChatGPT / Claude / Midjourney | ChatGPT |
| Risk level | Medium | Medium |
| Our rating | 7.3 | 9.3 |
| User reviews | 692 | 159 |
| Best for | All-rounder · Ad spend | Ad spend · AI subscriptions |
A green left edge marks the side that holds the advantage on that row, where the data gives one.
Side by side
- If the monthly outgoings matter, Genome leaves more in your pocket than Crydit.
- Crydit covers a wider spread of use cases; Genome is more of a single-purpose tool.
- Crydit can sit on a crypto balance; Genome cannot, so the call depends on how you fund it.
- In our scoring, Genome finished ahead of Crydit — not by a mile, but enough to tilt a tiebreak.
The two, compared
Genome is the cheaper card to hold: about $1.09 to create and a 3% top-up, against about $179 and a 1% top-up at Crydit. Crydit earns its keep only if you need crypto funding and Alipay or WeChat top-ups.
Questions people ask
That depends on what you spend on. Crydit scores 7.3/10 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.
Genome works out cheaper: free account maintenance. Crydit adds about $179 per virtual card, a 1.5% FX fee, a 1% top-up fee.
Crydit 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 Reddit Ads. 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
Crydit 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:
📈 Ad Platforms 1
Their BIN ranges
Cards issued in 🇦🇺 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: