Genome vs dash.fi
Two virtual cards people weigh up side by side. We put Genome and dash.fi on the same rows so the difference is easy to see.
Genome issues on Visa and dash.fi on Mastercard; verification is ID + proof at Genome versus Business KYC at dash.fi.
dash.fi is the more cost-effective option for everyday spending and travel thanks to its free virtual cards, no monthly fee, no top-up fee. Genome is the better fit for power users who need AI subscriptions.
Two cards, one decision
| Field | Genome | dash.fi |
|---|---|---|
| Card network | Visa | Mastercard |
| Card type | Digital Bank / Neobank | B2B Expense / Corporate |
| KYC | ID + proof | Business KYC |
| Card issuance fee | Virtual card 1 EUR (first 10); 10 EUR from 11th | Free |
| Monthly fee | Free EUR (card monthly fee); non-EEA personal account 20 EUR/mo or 200 EUR/yr | Free ($0 annual fee) |
| Top-up fee | Non-Genome card top-up 3% (externally initiated 1%) | 0% |
| FX fee | Non-card currency transactions 2%; EUR/USD/GBP conversion 1% | 1% |
| Crypto funding | No | No |
| AI tool support | ChatGPT | — |
| Risk level | Medium | Low |
| Our rating | 9.3 | 8.3 |
| User reviews | 159 | 391 |
| Best for | Ad spend · AI subscriptions | Ad spend · Free issuance |
A green left edge marks the side that holds the advantage on that row, where the data gives one.
Side by side
- Tight on fees? dash.fi is the cheaper card to hold day to day.
- Multi-task users get more from Genome — it clears more of the checkouts we run through our test suite.
- Genome edged dash.fi on our composite rating across fees, risk and merchant tests.
- If risk rating weights your choice, dash.fi is the calmer of the two.
The short version of the matchup
Run the numbers against your own usage. dash.fi runs free to create plus no top-up fee per top-up; Genome runs about $1.09 plus a 3% 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. Genome scores 9.3/10 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, no top-up fee. Genome adds about $1.09 per virtual card, a 2% FX fee, a 3% top-up fee.
Genome 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 8 of the same test scenarios, including Facebook Ads, Google Ads, X 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
Genome and dash.fi both landed in our top picks for 8 checkouts. Grouped by category so you can jump straight to the one you actually pay for:
📈 Ad Platforms 8
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: