Comparison
0fiat Card vs. NearPay Card: fees, limits & KYC
-
Illustration
Drawn by us from the provider logo and card colours, not the official card picture.
Drawn on
0fiat Card0fiat
-
Illustration
Drawn by us from the provider logo and card colours, not the official card picture.
Drawn on
NearPay CardNearPay
In short
- NearPay Card has the best score (6.8).
| Attribute |
0fiat Card0fiat
|
NearPay CardNearPay
|
|---|---|---|
| Overview | No KYC | KYC unknown |
| Score | average | good |
| CostsWeight 25 % | 10.0 | not scored |
| TrustWeight 20 % | 2.7 | 8.3 |
| KYC and privacyWeight 15 % | 8.5 | not scored |
| FeaturesWeight 15 % | 4.3 | not scored |
| AvailabilityWeight 10 % | not scored | not scored |
| RewardsWeight 10 % | 0.0 | not scored |
| CommunityWeight 5 % | not scored | not scored |
| KYC | KYC: No ID | KYC unknown |
| Limits (entry level) | no limits captured | no limits captured |
| Basics | ||
| Card formsame for all |
not applicable
0fiat.com checked 30 Oct 2026
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Source
0fiat.com
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No banks & no crypto cards. Make purchases worldwide with the best crypto card alternative.Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
unknown |
| Card typessame for all |
not applicable
0fiat.com checked 30 Oct 2026
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Source
0fiat.com
Wording at the source
No banks & no crypto cards. Make purchases worldwide with the best crypto card alternative.Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
unknown |
| Card networksame for all |
not applicable
0fiat.com checked 30 Oct 2026
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Source
0fiat.com
Wording at the source
No banks & no crypto cards. Make purchases worldwide with the best crypto card alternative.Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
unknown |
| Custodysame for all |
self-custody
0fiat.com checked 30 Oct 2026
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Source
0fiat.com
Wording at the source
0fiat is non-custodial — your crypto stays in your wallet until you approve the payment.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
unknown |
| Funding modelsame for all |
converted on spend
0fiat.com checked 30 Oct 2026
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Source
0fiat.com
Wording at the source
Select USDT or USDC at checkout, approve the transaction from your own wallet (MetaMask, Phantom, Trust Wallet), and you're done. The merchant receives local currency; you never touch fiat.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
unknown |
| Card currenciessame for all |
not applicable
0fiat.com checked 30 Oct 2026
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Source
0fiat.com
Wording at the source
No banks & no crypto cards. Make purchases worldwide with the best crypto card alternative.Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
unknown |
| Usagesame for all |
not applicable
0fiat.com checked 30 Oct 2026
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Source
0fiat.com
Wording at the source
No banks & no crypto cards. Make purchases worldwide with the best crypto card alternative.Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
unknown |
| Issuer / BIN sponsorsame for all |
not applicable
0fiat.com checked 30 Oct 2026
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Source
0fiat.com
Wording at the source
No banks & no crypto cards. Make purchases worldwide with the best crypto card alternative.Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
unknown |
| Limits depend onsame for all |
–
0fiat.com checked 30 Oct 2026
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Source
0fiat.com
Wording at the source
Yes, certain merchants restrict spending via crypto. Spend caps vary by store and are set by the merchant, not by 0fiat. You can find the detailed list of spend caps for each supported merchant inside...Checked Verified Check overdue · last 30 Oct 2026 Value wrong? History What does [s] mean? |
unknown |
| Cards per accountsame for all |
not applicable
0fiat.com checked 30 Oct 2026
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Source
0fiat.com
Wording at the source
No banks & no crypto cards. Make purchases worldwide with the best crypto card alternative.Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
unknown |
| Availability | ||
| Available insame for all | unknown | unknown |
| Unknown for all | Available in | |
| Crypto | ||
| Supported assetssame for all |
USDT, USDC
0fiat.com checked 30 Oct 2026
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Source
0fiat.com
Wording at the source
Shop normally, then pay from your wallet with USDT or USDC.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
unknown |
| Number of supported assetssame for all | unknown | unknown |
| Top-up networkssame for all |
Ethereum, Tron, BNB Smart Chain, Solana
0fiat.com checked 30 Oct 2026
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Source
0fiat.com
Wording at the source
0fiat works across ERC20 (Ethereum), BEP20 (BNB Chain), TRC20 (Tron), and SPL (Solana).Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
unknown |
| Fiat top-upsame for all |
not applicable
0fiat.com checked 30 Oct 2026
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Source
0fiat.com
Wording at the source
Unlike crypto debit cards that require identity verification or loading funds in advance, 0fiat requires no account to install or browse.Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
unknown |
| Unknown for all | Number of supported assets | |
| Payments | ||
| Mobile walletssame for all |
not applicable
0fiat.com checked 30 Oct 2026
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Source
0fiat.com
Wording at the source
No banks & no crypto cards. Make purchases worldwide with the best crypto card alternative.Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
unknown |
| ATM withdrawalssame for all |
not applicable
0fiat.com checked 30 Oct 2026
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Source
0fiat.com
Wording at the source
No banks & no crypto cards. Make purchases worldwide with the best crypto card alternative.Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
unknown |
| Contactlesssame for all |
not applicable
0fiat.com checked 30 Oct 2026
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Source
0fiat.com
Wording at the source
No banks & no crypto cards. Make purchases worldwide with the best crypto card alternative.Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
unknown |
| Fees | ||
| Virtual card issuancesame for all |
not applicable
0fiat.com checked 30 Oct 2026
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Source
0fiat.com
Wording at the source
No banks & no crypto cards. Make purchases worldwide with the best crypto card alternative.Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
unknown |
| Physical card issuancesame for all |
not applicable
0fiat.com checked 30 Oct 2026
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Source
0fiat.com
Wording at the source
No banks & no crypto cards. Make purchases worldwide with the best crypto card alternative.Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
unknown |
| Free cardssame for all |
not applicable
0fiat.com checked 30 Oct 2026
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Source
0fiat.com
Wording at the source
No banks & no crypto cards. Make purchases worldwide with the best crypto card alternative.Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
unknown |
| Shippingsame for all |
not applicable
0fiat.com checked 30 Oct 2026
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Source
0fiat.com
Wording at the source
No banks & no crypto cards. Make purchases worldwide with the best crypto card alternative.Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
unknown |
| Monthly feesame for all |
0.00 USD
0fiat.com checked 30 Oct 2026
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Source
0fiat.com
Wording at the source
0fiat works across ERC20 (Ethereum), BEP20 (BNB Chain), TRC20 (Tron), and SPL (Solana). No extra fees beyond standard network gas. No monthly subscription. No KYC, ever. Available in 45+ countries.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? History What does [s] mean? |
unknown |
| Annual feesame for all |
not applicable
0fiat.com checked 30 Oct 2026
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Source
0fiat.com
Wording at the source
No banks & no crypto cards. Make purchases worldwide with the best crypto card alternative.Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
unknown |
| Top-up feesame for all |
not applicable
0fiat.com checked 30 Oct 2026
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Source
0fiat.com
Wording at the source
Unlike crypto debit cards that require identity verification or loading funds in advance, 0fiat requires no account to install or browse.Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
unknown |
| Crypto deposit feesame for all | unknown | unknown |
| Crypto conversion feesame for all |
0 %
0fiat.com checked 30 Oct 2026
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Source
0fiat.com
Wording at the source
0fiat is completely free to use. There are zero issuance fees, zero transaction fees, and zero maintenance fees. You pay only the crypto equivalent of your purchase amount — no hidden charges, no subs...Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
unknown |
| Foreign currency feesame for all |
0 % above the market rate
0fiat.com checked 30 Oct 2026
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Source
0fiat.com
Wording at the source
0fiat is completely free to use. There are zero issuance fees, zero transaction fees, and zero maintenance fees. You pay only the crypto equivalent of your purchase amount — no hidden charges, no subs...Checked Verified Check overdue · last 30 Oct 2026 Value wrong? History What does [s] mean? |
unknown |
| FX free allowancesame for all |
not applicable
0fiat.com checked 30 Oct 2026
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Source
0fiat.com
Wording at the source
No banks & no crypto cards. Make purchases worldwide with the best crypto card alternative.Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
unknown |
| Minimum FX feesame for all |
not applicable
0fiat.com checked 30 Oct 2026
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Source
0fiat.com
Wording at the source
No banks & no crypto cards. Make purchases worldwide with the best crypto card alternative.Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
unknown |
| ATM feesame for all |
not applicable
0fiat.com checked 30 Oct 2026
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Source
0fiat.com
Wording at the source
No banks & no crypto cards. Make purchases worldwide with the best crypto card alternative.Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
unknown |
| Transaction feesame for all |
free
0fiat.com checked 30 Oct 2026
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Source
0fiat.com
Wording at the source
0fiat doesn't charge any fees on transactions, unlike alternatives like crypto cardsChecked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
unknown |
| Cross-border feesame for all |
not applicable
0fiat.com checked 30 Oct 2026
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Source
0fiat.com
Wording at the source
No banks & no crypto cards. Make purchases worldwide with the best crypto card alternative.Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
unknown |
| Withdrawal feesame for all |
not applicable
0fiat.com checked 30 Oct 2026
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Source
0fiat.com
Wording at the source
No banks & no crypto cards. Make purchases worldwide with the best crypto card alternative.Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
unknown |
| Activation feesame for all |
not applicable
0fiat.com checked 30 Oct 2026
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Source
0fiat.com
Wording at the source
No banks & no crypto cards. Make purchases worldwide with the best crypto card alternative.Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
unknown |
| Account closure feesame for all |
not applicable
0fiat.com checked 31 Oct 2026
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Source
0fiat.com
Wording at the source
Unlike crypto debit cards that require identity verification or loading funds in advance, 0fiat requires no account to install or browse.Checked Verified Check overdue · last 31 Oct 2026 Add this value? Unchanged since 31 Oct 2026 What does [s] mean? |
unknown |
| Dispute feesame for all |
not applicable
0fiat.com checked 31 Oct 2026
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Source
0fiat.com
Wording at the source
No banks & no crypto cards. Make purchases worldwide with the best crypto card alternative.Checked Verified Check overdue · last 31 Oct 2026 Add this value? Unchanged since 31 Oct 2026 What does [s] mean? |
unknown |
| Minimum top-upsame for all |
not applicable
0fiat.com checked 30 Oct 2026
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Source
0fiat.com
Wording at the source
Unlike crypto debit cards that require identity verification or loading funds in advance, 0fiat requires no account to install or browse.Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
unknown |
| Declined payment feesame for all |
not applicable
0fiat.com checked 30 Oct 2026
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Source
0fiat.com
Wording at the source
No banks & no crypto cards. Make purchases worldwide with the best crypto card alternative.Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
unknown |
| Refund feesame for all |
not applicable
0fiat.com checked 30 Oct 2026
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Source
0fiat.com
Wording at the source
No banks & no crypto cards. Make purchases worldwide with the best crypto card alternative.Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
unknown |
| Inactivity feesame for all |
not applicable
0fiat.com checked 30 Oct 2026
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Source
0fiat.com
Wording at the source
No banks & no crypto cards. Make purchases worldwide with the best crypto card alternative.Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
unknown |
| Minimum monthly spendsame for all |
not applicable
0fiat.com checked 30 Oct 2026
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Source
0fiat.com
Wording at the source
No banks & no crypto cards. Make purchases worldwide with the best crypto card alternative.Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
unknown |
| Inactivity rulesame for all |
not applicable
0fiat.com checked 30 Oct 2026
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Source
0fiat.com
Wording at the source
No banks & no crypto cards. Make purchases worldwide with the best crypto card alternative.Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
unknown |
| Card replacementsame for all |
not applicable
0fiat.com checked 30 Oct 2026
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Source
0fiat.com
Wording at the source
No banks & no crypto cards. Make purchases worldwide with the best crypto card alternative.Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
unknown |
| Unknown for all | Crypto deposit fee | |
| Rewards | ||
| Cashbacksame for all |
not applicable
0fiat.com checked 30 Oct 2026
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Source
0fiat.com
Wording at the source
No banks & no crypto cards. Make purchases worldwide with the best crypto card alternative.Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
unknown |
| Referral bonus (invited friend)same for all | unknown | unknown |
| Referral bonus (you)same for all |
Rewards for inviting new users; amount not stated.
0fiat.com checked 30 Oct 2026
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Source
0fiat.com
Wording at the source
Refer & Earn Earn rewards for every transaction and inviting new users.Checked Verified Value wrong? No earlier versions What does [s] mean? |
unknown |
| Welcome bonussame for all | unknown | unknown |
| Unknown for all | Referral bonus (invited friend) · Welcome bonus | |
Early warning
Watch both cards
One mail when something changes at 0fiat Card · NearPay Card: promotions and bonuses as well as warnings and incidents.