Halocard vs MyFin
Torn between Halocard and MyFin? The comparison below is built from the same test data we use across the rest of the site.
Halocard issues on Visa and MyFin on Visa · Mastercard; verification is ID + proof at Halocard versus ID only at MyFin; only Halocard takes crypto top-ups.
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. Halocard is the better fit for power users who need crypto funding and ad spend and AI subscriptions.
The two, compared
| Field | Halocard | MyFin |
|---|---|---|
| Card network | Visa | Visa, Mastercard |
| Card type | Crypto Card | Digital Bank / Neobank |
| KYC | ID + proof | ID only |
| Card issuance fee | Essential 3 cards $12/mo; Pro 12 cards $15/mo; Elite 60 cards $75/mo | Free |
| Monthly fee | Essential $12; Pro $15; Elite $75 (annual gives 2 months free) | Free (Standard); Advanced ~€5.14; Premium ~€10.23/€10 per mo |
| Top-up fee | 1% (stablecoin/credit card/bank transfer); some sources say credit card 5% | — |
| FX fee | Non-USD 1.5%+$0.30; USD spend $0 | 0% |
| Crypto funding | Yes (stablecoin top-up) | — |
| AI tool support | ChatGPT / Claude / Midjourney | — |
| Risk level | Medium | Low-Medium |
| Our rating | 8.4 | 8.8 |
| User reviews | 319 | 376 |
| Best for | All-rounder · Ad spend | App Store / Play · Free issuance |
A green left edge marks the side that holds the advantage on that row, where the data gives one.
Side by side
- If the monthly outgoings matter, MyFin leaves more in your pocket than Halocard.
- Halocard covers a wider spread of use cases; MyFin is more of a single-purpose tool.
- Prefer a short sign-up? MyFin is the lower-friction option here.
- Halocard can sit on a crypto balance; MyFin cannot, so the call depends on how you fund it.
- In our scoring, MyFin finished ahead of Halocard — not by a mile, but enough to tilt a tiebreak.
- If risk rating weights your choice, MyFin is the calmer of the two.
The short version of the matchup
MyFin is the cheaper card to hold: free to create and no top-up fee, against about $3 and a 1% top-up at Halocard. Halocard earns its keep only if you need crypto funding and ad-platform billing.
Questions people ask
That depends on what you spend on. Halocard scores 8.4/10 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. Halocard adds about $3 per virtual card, $12 a month, a 1.5% FX fee, a 1% top-up fee.
Halocard 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 2 of the same test scenarios, including Target, Steam. 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
Halocard and MyFin both landed in our top picks for 2 checkouts. Grouped by category so you can jump straight to the one you actually pay for:
🛍️ Cross-border Shopping 1
🎮 Gaming 1
Their BIN ranges
Cards issued in 🇸🇬 Singapore · 🇪🇺 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: