Crypto.com Card vs MyFin
Both Crypto.com Card and MyFin clear the checkouts our readers ask about most. Here is where the two part ways on fees and verification.
Crypto.com Card issues on Visa and MyFin on Visa · Mastercard; verification is ID + proof at Crypto.com Card versus ID only at MyFin; only Crypto.com Card takes crypto top-ups.
Crypto.com Card is the more cost-effective option for everyday spending and travel thanks to its free virtual cards, no monthly fee. MyFin still clears the same checkouts in our tests, so match the table to the services you actually pay for.
Side by side
| Field | Crypto.com Card | MyFin |
|---|---|---|
| Card network | Visa | Visa, Mastercard |
| Card type | Crypto Card | Digital Bank / Neobank |
| KYC | ID + proof | ID only |
| Card issuance fee | Free (entry tier); higher tiers require CRO staking | Free |
| Monthly fee | Free (no annual fee) | Free (Standard); Advanced ~€5.14; Premium ~€10.23/€10 per mo |
| Top-up fee | Free crypto top-up; ~1% for card top-up | — |
| FX fee | No FX fees on most tiers | 0% |
| Crypto funding | Yes (100+ cryptocurrencies) | — |
| AI tool support | ChatGPT / Midjourney | — |
| Risk level | Low | Low-Medium |
| Our rating | 9.1 | 8.8 |
| User reviews | 855 | 376 |
| Best for | AI subscriptions · Streaming | 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 short version of the matchup
- If you wear several hats, Crypto.com Card is the more flexible of the pair.
- MyFin asks for less verification up front, which matters if you want a card live the same day.
- Only Crypto.com Card takes crypto top-ups in our data — worth knowing before you decide.
- If risk rating weights your choice, Crypto.com Card is the calmer of the two.
The head to head
Crypto.com Card is the cheaper card to hold: free to create and a 1% top-up, against free and no top-up fee at MyFin. MyFin earns its keep only if you need the rows where it leads in the table.
Questions people ask
That depends on what you spend on. Crypto.com Card scores 9.1/10 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.
Crypto.com Card is the cheaper card to run. Both Crypto.com Card and MyFin issue virtual cards for free; Crypto.com Card reloads at 1%, while MyFin publishes no top-up percentage.
Crypto.com Card 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 7 of the same test scenarios, including AliExpress, Target, Vercel. 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
Crypto.com Card and MyFin both landed in our top picks for 7 checkouts. Grouped by category so you can jump straight to the one you actually pay for:
🎮 Gaming 3
🛍️ Cross-border Shopping 2
🌐 Cloud & VPS 2
Their BIN ranges
Cards issued in 🇺🇸 US · 🇪🇺 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: