MyFin vs Paycek
Both MyFin and Paycek clear the checkouts our readers ask about most. Here is where the two part ways on fees and verification.
MyFin issues on Visa · Mastercard and Paycek on Visa + Mastercard; verification is ID only at MyFin versus No KYC at Paycek; only Paycek 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. Paycek is the better fit for power users who need crypto funding.
The head to head
| Field | MyFin | Paycek |
|---|---|---|
| Card network | Visa, Mastercard | Visa + Mastercard |
| Card type | Digital Bank / Neobank | Crypto Card |
| KYC | ID only | No KYC |
| Card issuance fee | Free | Free |
| Monthly fee | Free (Standard); Advanced ~€5.14; Premium ~€10.23/€10 per mo | Free |
| Top-up fee | — | 1.5% |
| FX fee | 0% | 1.5% |
| Crypto funding | — | Yes (20+ currencies) |
| AI tool support | — | — |
| Risk level | Low-Medium | High |
| Our rating | 8.8 | 8.8 |
| User reviews | 376 | 138 |
| Best for | App Store / Play · Free issuance | App Store / Play · No KYC |
A green left edge marks the side that holds the advantage on that row, where the data gives one.
The two, compared
- Paycek asks for less verification up front, which matters if you want a card live the same day.
- Only Paycek takes crypto top-ups in our data — worth knowing before you decide.
- MyFin carries the lower risk flag in our file, which some users prefer for a primary card.
The short version of the matchup
MyFin is the cheaper card to hold: free to create and no top-up fee, against free and a 1.5% top-up at Paycek. Paycek earns its keep only if you need crypto funding.
Questions people ask
That depends on what you spend on. MyFin scores 8.8/10 against Paycek'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. Paycek adds a 1.5% FX fee, a 1.5% top-up fee.
MyFin asks for ID only at signup; Paycek asks for No KYC. If a light sign-up is the priority, the one with the lower KYC label is the faster route.
Both show up in 4 of the same test scenarios, including iHerb, Microsoft Azure, 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
MyFin and Paycek both landed in our top picks for 4 checkouts. Grouped by category so you can jump straight to the one you actually pay for:
🛍️ Cross-border Shopping 1
🌐 Cloud & VPS 1
Their BIN ranges
Cards issued in 🇪🇺 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: