Figo vs Mountain Wolf
Both Figo and Mountain Wolf clear the checkouts our readers ask about most. Here is where the two part ways on fees and verification.
Figo issues on Visa (US BIN) and Mountain Wolf on Visa + Mastercard; both ask for ID + proof.
Mountain Wolf is the more cost-effective option for everyday spending and travel thanks to its free virtual cards, no monthly fee, 0% foreign transaction fees. Figo is the better fit for power users who need ad spend.
Where they split
| Field | Figo | Mountain Wolf |
|---|---|---|
| Card network | Visa (US BIN) | Visa + Mastercard |
| Card type | Crypto Card | Crypto Card |
| KYC | ID + proof | ID + proof |
| Card issuance fee | $2 (limited-time free) | Virtual card free |
| Monthly fee | Free | Free |
| Top-up fee | — | 0% |
| FX fee | 2% + $0.6 intl | 0% |
| Crypto funding | Yes (USDC/USDT/PYUSD) | Yes (ETH/BTC/USDT/USDC) |
| AI tool support | — | ChatGPT / Claude / Midjourney |
| Risk level | Medium | Medium |
| Our rating | 8.2 | 9.4 |
| User reviews | 851 | 473 |
| Best for | Ad spend · Streaming | All-rounder · AI subscriptions |
A green left edge marks the side that holds the advantage on that row, where the data gives one.
What sets them apart
- If the monthly outgoings matter, Mountain Wolf leaves more in your pocket than Figo.
- Mountain Wolf covers a wider spread of use cases; Figo is more of a single-purpose tool.
- Mountain Wolf edged Figo on our composite rating across fees, risk and merchant tests.
The head to head
Both cards clear the same checkouts in our tests, so the call comes down to cost. Mountain Wolf is cheaper on issuance (free) and top-ups (no top-up fee), while Figo is worth the premium only for ad-platform billing.
Questions people ask
That depends on what you spend on. Figo scores 8.2/10 against Mountain Wolf's 9.4/10 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.
Mountain Wolf works out cheaper: no virtual card issuance fee, free account maintenance, 0% foreign transaction fee. Figo adds about $2 per virtual card, a 2% FX fee.
Figo asks for ID + proof at signup; Mountain Wolf 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 Twitch. 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 Mountain Wolf both landed in our top picks for 1 checkouts. Grouped by category so you can jump straight to the one you actually pay for:
📺 Streaming & Entertainment 1
Their BIN ranges
Cards issued in 🇦🇺 Australia · 🇨🇦 Canada — 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: