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ether.fi Cash Card review

Updated September 28, 2026 · HodlCue Editorial Team · Facts checked September 26, 2026

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Our verdict

The ether.fi Cash Card suits crypto holders who want to spend from a self-custody balance on a debit card. The monthly fee is $0, cashback is paid on spending, and balances can be held in 30 currencies for everyday travel.

Key facts

Best for
Spending a self-custody crypto balance on a debit card with a $0 monthly fee.
Monthly fee
$0↗
Currency conversion fee
0% to 0.5%↗
Free ATM withdrawals
$0↗
Card type
Debit↗
Top-up fee
$10 first virtual Cash card fee for Core members in some regions↗
Cashback rate
3%↗
Card network
Visa↗
Currencies
30↗
Custody
Self custody↗
Legal entity
Ether.Fi SEZC↗
Support channels
Email, Chat, Help-centre, Community↗
Features
Multi-currency, Crypto, Virtual card, Self-custody, Travel
Audience
Business
Official website
ether.fi

Crypto earn

Yield
1.25% to 6.31%↗
Supported assets
ETH, EETH, WeETH, WeETHs, BTC, USDC, USDT, EUR, USD, USD RWAs↗
Lock-up terms
None; liquid, weETH redeemable any time↗

Facts checked September 26, 2026, 9 sources

Apps and profiles

Get the app
App StoreGoogle Play
Elsewhere
LinkedInXdiscord.com

Pros and cons

Pros

  • Monthly fee of $0 on a debit card, with cashback of 3% on spending.
  • Custody is self custody, so the crypto behind the balance stays under your own control.
  • Multi-currency balances across 30 currencies with FX of 0% to 0.5%.
  • Staked weETH stays liquid: None; liquid, weETH redeemable any time.

Cons

  • The free ATM allowance is $0, and it ranks 38 of 104 brands on free ATM withdrawals.
  • Support runs on email, chat and help centre only.
  • A top-up fee applies to the first virtual Cash card for Core members in some regions.
ether.fi Cash Card

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Scored 9.4 / 10 by HodlCue.

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Who it suits

  • Self-custody holders (self custody) who want a debit card for daily spending.
  • Anyone earning yield of 1.25% to 6.31% who does not want to give up liquidity.
  • Business users, since the stated audience is business.

Who should look elsewhere

  • People after free ATM withdrawals, who are served better by Monzo Flex at a £0 monthly fee or Wise at a £0 monthly fee for plain account access.
  • Bitpanda, at a €0 monthly fee, fits buyers who want crypto held by the provider rather than in self-custody.
  • Yield seekers, since 1.25% to 6.31% sits below the site median of 7%.

How ether.fi Cash Card compares

Where ether.fi Cash Card is available

Available
Albania, Algeria, Andorra, Antigua and Barbuda, Argentina, Australia, Austria, Bahamas, Bahrain, Bangladesh, Barbados, Belgium, Belize, Bolivia, Bosnia and Herzegovina, Botswana, Brazil, Cambodia, Canada, Chad, Chile, China, Colombia, Costa Rica, Croatia, Curacao, Cyprus, Czechia, Denmark, Dominica, Dominican Republic, Ecuador, Egypt, El Salvador, Estonia, Eswatini, Falkland Islands, Fiji, Finland, France, French Polynesia, Gabon, Gambia, Georgia, Germany, Ghana, Gibraltar, Greece, Greenland, Grenada, Guam, Guatemala, Guernsey, Guyana, Haiti, Honduras, Hong Kong, Hungary, Iceland, India, Indonesia, Iraq, Ireland, Isle of Man, Israel, Italy, Jamaica, Japan, Jordan, Kazakhstan, Kenya, Kuwait, Kyrgyzstan, Laos, Latvia, Lebanon, Lesotho, Liberia, Libya, Liechtenstein, Lithuania, Luxembourg, Macao, Madagascar, Malawi, Malaysia, Maldives, Mali, Malta, Marshall Islands, Martinique, Mauritania, Mauritius, Mexico, Moldova, Monaco, Mongolia, Montenegro, Morocco, Mozambique, Namibia, Nepal, Netherlands, New Zealand, Nicaragua, Niger, Nigeria, North Macedonia, Northern Mariana Islands, Norway, Oman, Pakistan, Palau, Palestine, Panama, Papua New Guinea, Paraguay, Peru, Philippines, Poland, Portugal, Puerto Rico, Qatar, Reunion, Romania, Rwanda, Saint Barthélemy, Saint Lucia, Saint Vincent and the Grenadines, Samoa, San Marino, São Tomé and Príncipe, Saudi Arabia, Senegal, Serbia, Seychelles, Sierra Leone, Singapore, Sint Maarten, Slovakia, Slovenia, Solomon Islands, Somalia, South Africa, South Korea, South Sudan, Spain, Sri Lanka, Sudan, Suriname, Sweden, Switzerland, Taiwan, Tajikistan, Tanzania, Thailand, Togo, Tonga, Trinidad and Tobago, Tunisia, Turkey, Turkmenistan, Turks and Caicos Islands, Uganda, Ukraine, United Arab Emirates, United Kingdom, United States, Uruguay, Uzbekistan, Vanuatu, Venezuela, Vietnam, Virgin Islands, British, Virgin Islands, U.S., Yemen, Zambia, Zimbabwe

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does it cost to hold the ether.fi Cash Card?+

The monthly fee is $0, and currency conversion costs 0% to 0.5% on the Cash card. Spending earns cashback of 3%. The card runs as a debit card on the visa network, with multi-currency balances across 30 currencies.

Is there a charge for the first virtual Cash card?+

Core members in some regions pay a fee for the first virtual Cash card. Beyond that, the Cash card itself carries a $0 monthly fee, and cashback of 3% applies when you spend. Virtual cards sit in the feature set, alongside multi-currency balances and travel.

Can I get free ATM withdrawals?+

The free ATM allowance is $0, so cash machine withdrawals are not part of the monthly deal. On the site's free ATM withdrawals ranking the brand sits at 38 out of 104 brands, which matters if you plan to rely on the card for travel.

Who holds the crypto behind the card?+

Custody is self custody, so the assets behind the balance stay under your own control rather than with an exchange. The entity named in the terms is Ether.Fi SEZC, and help is offered through email, chat and help centre.

Which network and currencies does the card work with?+

The card runs on visa as a debit card, and the account supports 30 currencies. Listed features cover multi currency, crypto and virtual card, so a virtual card and travel spending sit alongside multi-currency balances.

Is my money locked up if I stake it?+

Lock-up terms are None; liquid, weETH redeemable any time, so the position stays liquid. Yield on the earn side is 1.25% to 6.31%, while the site median is 7%, which places this below the middle of the range the site tracks.

Which assets can I earn on and spend?+

The asset list covers ETH, eETH and weETH, and those balances can back the card. Custody is self custody, so the earning side does not depend on an exchange holding your coins, and the yield range is 1.25% to 6.31%.

Who is this card aimed at?+

The stated audience is business, and the account is built around self-custody (self custody) with multi-currency balances. Monthly fees sit at $0 and cashback of 3% is paid on spending, so it suits holders who want a debit card rather than a traditional current account.

Sources

  • ether.fi/earn checked September 26, 2026

    Backs: Supported assets, Yield

    “You can deposit eETH, ETH, USDC, and other supported assets into Liquid vaults.”

  • ether.fi/stake checked September 26, 2026

    Backs: Lock-up terms

    “Hold, transfer, redeem, or use weETH across supported venues, subject to current product and network conditions.”

  • etherfi.gitbook.io/etherfi/legal/ether.fi-legal/terms-of-... checked September 26, 2026

    Backs: Legal entity

    “these terms of use are entered into by and between you and Ether.Fi SEZC, a Special Economic Zone Company, organized under the laws of Cayman Islands”

  • help.ether.fi checked September 26, 2026

    Backs: Support channels

    “Need help? Just open the chat in the bottom right corner, or email us at support@ether.fi.”

  • help.ether.fi/en/articles/303623-what-are-the-transaction... checked September 26, 2026

    Backs: Currency conversion fee

    “Core 0-0.5% Added FX fee”

  • help.ether.fi/en/articles/833743-why-is-there-a-10-fee-fo... checked September 26, 2026

    Backs: Top-up fee

    “In some regions, regional pricing means the first virtual Cash card has a $10 fee instead.”

  • help.ether.fi/en/collections/592872-credit-cards checked September 26, 2026

    Backs: Card network

    “Visa Benefits Portal with Retail Cash cards - Explore exclusive benefits available with your ether.fi Retail Cash Card by Visa Signature flag”

  • ether.fi checked September 26, 2026

    Backs: Audience

    “Business Accounts”

  • ether.fi/core checked September 26, 2026

    Backs: Card type, Cashback rate, Currencies, Features

    “Get a physical and virtual card, use with apple or google pay”

  • ether.fi/personal/compare checked September 26, 2026

    Backs: Free ATM withdrawals, Custody, Monthly fee

    “Free ATM withdrawals: Core - , Luxe - , Pinnacle Yes, VIP Yes”

Compiled from 10 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Protection.

ether.fi Cash Card

ether.fi Cash Card

Spending a self-custody crypto balance on a debit card with a $0 monthly fee.

9.4/10See alternatives