Genome vs Nobepay
Torn between Genome and Nobepay? The comparison below is built from the same test data we use across the rest of the site.
Genome issues on Visa and Nobepay on Visa + Mastercard; both ask for ID + proof; only Nobepay takes crypto top-ups.
Nobepay 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 bank-transfer funding.
Two cards, one decision
| Field | Genome | Nobepay |
|---|---|---|
| Card network | Visa | Visa + Mastercard |
| Card type | Digital Bank / Neobank | Crypto Card |
| KYC | ID + proof | ID + proof |
| 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 |
| Top-up fee | Non-Genome card top-up 3% (externally initiated 1%) | — |
| FX fee | Non-card currency transactions 2%; EUR/USD/GBP conversion 1% | — |
| Crypto funding | No | Yes (USDT) |
| AI tool support | ChatGPT | ChatGPT / Claude / Midjourney |
| Risk level | Medium | Medium |
| Our rating | 9.3 | 7.8 |
| User reviews | 159 | 221 |
| Best for | Ad spend · AI subscriptions | All-rounder · Ad spend |
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
- Budget-led users will lean to Nobepay: the running cost is the lower of the two.
- Nobepay shows up in more of our test scenarios, so it is the safer pick when you juggle several subscriptions.
- Only Nobepay takes crypto top-ups in our data — worth knowing before you decide.
- Genome edged Nobepay on our composite rating across fees, risk and merchant tests.
The two, compared
Both cards clear the same checkouts in our tests, so the call comes down to cost. Nobepay is cheaper on issuance (free) and top-ups (no top-up fee), while Genome is worth the premium only for bank-transfer funding.
Questions people ask
That depends on what you spend on. Genome scores 9.3/10 against Nobepay's 7.8/10 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.
Nobepay 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; Nobepay 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 2 of the same test scenarios, including Gamma App, Outbrain. 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 Nobepay both landed in our top picks for 2 checkouts. Grouped by category so you can jump straight to the one you actually pay for:
🤖 AI Tools & Developer Tools 1
📈 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: