Figo vs dash.fi
Torn between Figo and dash.fi? The comparison below is built from the same test data we use across the rest of the site.
Figo issues on Visa (US BIN) and dash.fi on Mastercard; verification is ID + proof at Figo versus Business KYC at dash.fi; only Figo takes crypto top-ups.
dash.fi is the more cost-effective option for everyday spending and travel thanks to its free virtual cards, no monthly fee. Figo is the better fit for power users who need crypto funding.
The short version of the matchup
| Field | Figo | dash.fi |
|---|---|---|
| Card network | Visa (US BIN) | Mastercard |
| Card type | Crypto Card | B2B Expense / Corporate |
| KYC | ID + proof | Business KYC |
| Card issuance fee | $2 (limited-time free) | Free |
| Monthly fee | Free | Free ($0 annual fee) |
| Top-up fee | — | 0% |
| FX fee | 2% + $0.6 intl | 1% |
| Crypto funding | Yes (USDC/USDT/PYUSD) | No |
| AI tool support | — | — |
| Risk level | Medium | Low |
| Our rating | 8.2 | 8.3 |
| User reviews | 851 | 391 |
| Best for | Ad spend · Streaming | Ad spend · Free issuance |
A green left edge marks the side that holds the advantage on that row, where the data gives one.
Two cards, one decision
- dash.fi costs less to keep open, so it is the one to reach for if you are watching your budget.
- Figo covers a wider spread of use cases; dash.fi is more of a single-purpose tool.
- Figo can sit on a crypto balance; dash.fi cannot, so the call depends on how you fund it.
- If risk rating weights your choice, dash.fi is the calmer of the two.
Where they split
Both cards clear the same checkouts in our tests, so the call comes down to cost. dash.fi is cheaper on issuance (free) and top-ups (no top-up fee), while Figo is worth the premium only for crypto funding.
Questions people ask
That depends on what you spend on. Figo scores 8.2/10 against dash.fi's 8.3/10 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.
dash.fi works out cheaper: no virtual card issuance fee, free account maintenance. Figo adds about $2 per virtual card, a 2% FX fee.
Figo asks for ID + proof at signup; dash.fi asks for Business KYC. If a light sign-up is the priority, the one with the lower KYC label is the faster route.
Both show up in 2 of the same test scenarios, including Snapchat Ads, Outbrain. 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
Figo and dash.fi both landed in our top picks for 2 checkouts. Grouped by category so you can jump straight to the one you actually pay for:
📈 Ad Platforms 2
Their BIN ranges
Cards issued in 🇦🇺 Australia · 🇺🇸 US — 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: