Genome vs Moss
Torn between Genome and Moss? The comparison below is built from the same test data we use across the rest of the site.
Genome issues on Visa and Moss on Mastercard Debit; both ask for ID + proof.
Moss 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.
The short version of the matchup
| Field | Genome | Moss |
|---|---|---|
| Card network | Visa | Mastercard Debit |
| Card type | Digital Bank / Neobank | B2B Expense / Corporate |
| KYC | ID + proof | ID + proof |
| Card issuance fee | Virtual card 1 EUR (first 10); 10 EUR from 11th | Unlimited virtual cards |
| Monthly fee | Free EUR (card monthly fee); non-EEA personal account 20 EUR/mo or 200 EUR/yr | Free |
| Top-up fee | Non-Genome card top-up 3% (externally initiated 1%) | — |
| FX fee | Non-card currency transactions 2%; EUR/USD/GBP conversion 1% | 2% (international transactions) |
| Crypto funding | No | No |
| AI tool support | ChatGPT | — |
| Risk level | Medium | Medium |
| Our rating | 9.3 | 6.7 |
| User reviews | 159 | 802 |
| Best for | Ad spend · AI subscriptions | Ad spend · App Store / Play |
A green left edge marks the side that holds the advantage on that row, where the data gives one.
Where they split
- Budget-led users will lean to Moss: the running cost is the lower of the two.
- Multi-task users get more from Genome — it clears more of the checkouts we run through our test suite.
- In our scoring, Genome finished ahead of Moss — not by a mile, but enough to tilt a tiebreak.
What sets them apart
Run the numbers against your own usage. Moss runs unlimited virtual cards 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 Moss's 6.7/10 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.
Moss 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; Moss 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 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 Moss 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 · 🇩🇪 Germany — 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: