Figo vs Halocard
Two virtual cards people weigh up side by side. We put Figo and Halocard on the same rows so the difference is easy to see.
Figo issues on Visa (US BIN) and Halocard on Visa; both ask for ID + proof.
Figo is the more cost-effective option for everyday spending and travel thanks to its no monthly fee, no top-up fee. Halocard is the better fit for power users who need AI subscriptions.
Two cards, one decision
| Field | Figo | Halocard |
|---|---|---|
| Card network | Visa (US BIN) | Visa |
| Card type | Crypto Card | Crypto Card |
| KYC | ID + proof | ID + proof |
| Card issuance fee | $2 (limited-time free) | Essential 3 cards $12/mo; Pro 12 cards $15/mo; Elite 60 cards $75/mo |
| Monthly fee | Free | Essential $12; Pro $15; Elite $75 (annual gives 2 months free) |
| Top-up fee | — | 1% (stablecoin/credit card/bank transfer); some sources say credit card 5% |
| FX fee | 2% + $0.6 intl | Non-USD 1.5%+$0.30; USD spend $0 |
| Crypto funding | Yes (USDC/USDT/PYUSD) | Yes (stablecoin top-up) |
| AI tool support | — | ChatGPT / Claude / Midjourney |
| Risk level | Medium | Medium |
| Our rating | 8.2 | 8.4 |
| User reviews | 851 | 319 |
| Best for | Ad spend · Streaming | All-rounder · Ad spend |
A green left edge marks the side that holds the advantage on that row, where the data gives one.
Where they split
- Tight on fees? Figo is the cheaper card to hold day to day.
- If you wear several hats, Halocard is the more flexible of the pair.
The short version of the matchup
Run the numbers against your own usage. Figo runs about $2 to create plus no top-up fee per top-up; Halocard runs about $3 plus a 1% top-up. For one or two subscriptions the first column wins; for AI subscriptions, the second does.
Questions people ask
That depends on what you spend on. Figo scores 8.2/10 against Halocard's 8.4/10 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.
Figo works out cheaper: free account maintenance, no top-up fee. Halocard adds about $3 per virtual card, $12 a month, a 1.5% FX fee, a 1% top-up fee.
Figo asks for ID + proof at signup; Halocard 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 Taboola. 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 Halocard 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 · 🇸🇬 Singapore — 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: