MyFin vs Solflare Card
Both MyFin and Solflare Card 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 Solflare Card on Visa; verification is ID only at MyFin versus ID + proof at Solflare Card; only Solflare Card 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. Solflare Card is the better fit for power users who need crypto funding and AI subscriptions.
Where they split
| Field | MyFin | Solflare Card |
|---|---|---|
| Card network | Visa, Mastercard | Visa |
| Card type | Digital Bank / Neobank | Crypto Card |
| KYC | ID only | ID + proof |
| Card issuance fee | Free | Free |
| Monthly fee | Free (Standard); Advanced ~€5.14; Premium ~€10.23/€10 per mo | Free |
| Top-up fee | — | — |
| FX fee | 0% | 1% |
| Crypto funding | — | Yes (Solana ecosystem) |
| AI tool support | — | ChatGPT / Claude / Midjourney |
| Risk level | Low-Medium | Low-Medium |
| Our rating | 8.8 | 8.5 |
| User reviews | 376 | 499 |
| Best for | App Store / Play · Free issuance | All-rounder · AI subscriptions |
A green left edge marks the side that holds the advantage on that row, where the data gives one.
The two, compared
- Solflare Card covers a wider spread of use cases; MyFin is more of a single-purpose tool.
- MyFin asks for less verification up front, which matters if you want a card live the same day.
- Only Solflare Card takes crypto top-ups in our data — worth knowing before you decide.
- In our scoring, MyFin finished ahead of Solflare Card — not by a mile, but enough to tilt a tiebreak.
The short version of the matchup
MyFin is the cheaper card to hold: free to create and no top-up fee, against free and no top-up fee at Solflare Card. Solflare Card earns its keep only if you need crypto funding and AI subscriptions.
Questions people ask
That depends on what you spend on. MyFin scores 8.8/10 against Solflare Card's 8.5/10 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. Solflare Card adds a 1% FX fee.
MyFin asks for ID only at signup; Solflare Card 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 4 of the same test scenarios, including eBay, Target, Riot Games. 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 Solflare Card both landed in our top picks for 4 checkouts. Grouped by category so you can jump straight to the one you actually pay for:
🎮 Gaming 1
🧳 Travel & Productivity 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: