MyFin vs YEX
Both MyFin and YEX 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 YEX on Visa; verification is ID only at MyFin versus ID + proof at YEX; only YEX 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. YEX is the better fit for power users who need crypto funding and AI subscriptions.
Two cards, one decision
| Field | MyFin | YEX |
|---|---|---|
| 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% | 0% |
| Crypto funding | — | Yes |
| AI tool support | — | ChatGPT / Claude / Midjourney |
| Risk level | Low-Medium | Medium |
| Our rating | 8.8 | 8.4 |
| User reviews | 376 | 274 |
| 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
- Multi-task users get more from YEX — it clears more of the checkouts we run through our test suite.
- MyFin asks for less verification up front, which matters if you want a card live the same day.
- YEX can sit on a crypto balance; MyFin cannot, so the call depends on how you fund it.
- MyFin edged YEX on our composite rating across fees, risk and merchant tests.
- If risk rating weights your choice, MyFin is the calmer of the two.
The head to head
MyFin is the cheaper card to hold: free to create and no top-up fee, against free and no top-up fee at YEX. YEX 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 YEX's 8.4/10 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 is the cheaper card to run. Both MyFin and YEX issue virtual cards for free.
MyFin asks for ID only at signup; YEX 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, Contabo, Minecraft Store. 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 YEX 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 2
🛍️ Cross-border Shopping 1
🌐 Cloud & VPS 1
Their BIN ranges
Cards issued in 🇪🇺 Europe (EEA) · 🇨🇦 Canada — 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: