Genome vs MyFin
Two virtual cards people weigh up side by side. We put Genome and MyFin on the same rows so the difference is easy to see.
Genome issues on Visa and MyFin on Visa · Mastercard; verification is ID + proof at Genome versus ID only at MyFin.
MyFin is the more cost-effective option for everyday spending and travel thanks to its free virtual cards, no monthly fee, 0% foreign transaction fees, no top-up fee. Genome is the better fit for power users who need ad spend and AI subscriptions.
Where they split
| Field | Genome | MyFin |
|---|---|---|
| Card network | Visa | Visa, Mastercard |
| Card type | Digital Bank / Neobank | Digital Bank / Neobank |
| KYC | ID + proof | ID only |
| 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 (Standard); Advanced ~€5.14; Premium ~€10.23/€10 per mo |
| Top-up fee | Non-Genome card top-up 3% (externally initiated 1%) | — |
| FX fee | Non-card currency transactions 2%; EUR/USD/GBP conversion 1% | 0% |
| Crypto funding | No | — |
| AI tool support | ChatGPT | — |
| Risk level | Medium | Low-Medium |
| Our rating | 9.3 | 8.8 |
| User reviews | 159 | 376 |
| Best for | Ad spend · AI subscriptions | App Store / Play · Free issuance |
A green left edge marks the side that holds the advantage on that row, where the data gives one.
The short version of the matchup
- MyFin costs less to keep open, so it is the one to reach for if you are watching your budget.
- Genome covers a wider spread of use cases; MyFin is more of a single-purpose tool.
- MyFin has the lighter onboarding; Genome will want more documents from you.
- In our scoring, Genome finished ahead of MyFin — not by a mile, but enough to tilt a tiebreak.
- If risk rating weights your choice, MyFin is the calmer of the two.
The head to head
Both cards clear the same checkouts in our tests, so the call comes down to cost. MyFin is cheaper on issuance (free) and top-ups (no top-up fee), while Genome is worth the premium only for ad-platform billing and AI subscriptions.
Questions people ask
That depends on what you spend on. Genome scores 9.3/10 against MyFin's 8.8/10 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.
MyFin works out cheaper: no virtual card issuance fee, free account maintenance, 0% foreign transaction fee, 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; MyFin asks for ID only. If a light sign-up is the priority, the one with the lower KYC label is the faster route.
Both show up in 7 of the same test scenarios, including Amazon US, Target, Nike US. 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 MyFin both landed in our top picks for 7 checkouts. Grouped by category so you can jump straight to the one you actually pay for:
🎮 Gaming 3
Their BIN ranges
Cards issued in 🇦🇺 Australia · 🇪🇺 Europe (EEA) — 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: