Comparison
Blackcatcard vs. Fold Card: fees, limits & KYC
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blackcatcard.com30 Oct 2026
Image source
Source
blackcatcard.com
Retrieved on
Logos and card pictures are trademarks of their owners and are shown for identification only.
BlackcatcardBlackcatcard
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foldapp.com29 Oct 2026
Image source
Source
foldapp.com
Retrieved on
Logos and card pictures are trademarks of their owners and are shown for identification only.
Fold CardFold
In short
- Fewest documents: Fold Card (ID document).
- Fold Card has the best score (60.89).
| Attribute |
BlackcatcardBlackcatcard
|
Fold CardFold
|
|---|---|---|
| Overview | Requires KYC Private & business Virtual Physical | Requires KYC Private Virtual Physical |
| Score | average | average |
| CostsWeight 25 % | 82 | 90 |
| KYC and privacyWeight 20 % | 18 | 35 |
| FeaturesWeight 15 % | 83 | 77 |
| AvailabilityWeight 10 % | not scored | 17 |
| RewardsWeight 10 % | 34 | 35 |
| TrustWeight 10 % | 78 | 96 |
| CommunityWeight 10 % | not scored | not scored |
| KYC | KYC: ID + proof of address | KYC: ID document |
| Limits (entry level) |
|
|
| Basics | ||
| Card formsame for all | unknown |
prepaid
foldapp.com checked 28 Oct 2026
Source and check
Source
foldapp.com
Wording at the source
### Fold Prepaid Debit Card Issued by Sutton BankChecked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Card typessame for all |
virtual, physical
blackcatcard.com checked 30 Oct 2026
Source and check
Source
blackcatcard.com
Wording at the source
Get access to your virtual Blackcatcard instantly, while waiting a couple of days for your plastic Blackcatcard to arriveChecked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
virtual, physical
foldapp.com checked 29 Oct 2026
Source and check
Source
foldapp.com
Wording at the source
Open a Fold account from the app and request your card. Use a virtual card right away while the physical one ships.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Card network (differs)same for all |
Mastercard
blackcatcard.com checked 30 Oct 2026
Source and check
Source
blackcatcard.com
Wording at the source
Free maintenance For 1 IBAN account with 1 Blackcatcard MastercardChecked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
Visa
foldapp.com checked 29 Oct 2026
Source and check
Source
foldapp.com
Wording at the source
The Fold Card runs on the Visa network, so it works at virtually every merchant in the country and at ATMs when you need cash.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Custodysame for all |
custodial
blackcatcard.com checked 30 Oct 2026
Source and check
Source
blackcatcard.com
Wording at the source
All Linked Wallets and the assets therein are entirely held, managed, and safeguarded by MANERIO Sp. z o.o., not us. We provides only a technical connection and consolidated display within the APP.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
custodial
foldapp.com checked 30 Oct 2026
Source and check
Source
foldapp.com
Wording at the source
Fold uses the second model, through BitGo.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Funding modelsame for all |
fiat balance
blackcatcard.com checked 30 Oct 2026
Source and check
Source
blackcatcard.com
Wording at the source
"Available Balance" means the portion of funds in your Wallet that is fully available for use at a given moment. It represents the amount of money that has been successfully cleared, settled, and is n...Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
fiat balance
foldapp.com checked 28 Oct 2026
Source and check
Source
foldapp.com
Wording at the source
You must have enough funds loaded onto your Card Account to pay for your purchase and you must have enough funds not subject to a hold (see Merchant Holds on Available Funds).Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Card currencies (differs)same for all |
EUR
blackcatcard.com checked 30 Oct 2026
Source and check
Source
blackcatcard.com
Wording at the source
Currency EuroChecked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
USD
foldapp.com checked 28 Oct 2026
Source and check
Source
foldapp.com
Wording at the source
The Fold Prepaid Debit Card is limited to loads and spends in U.S. dollars ("USD").Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Usage (differs)same for all |
personal, business
blackcatcard.com checked 30 Oct 2026
Source and check
Source
blackcatcard.com
Wording at the source
Open an account as an individual and set up your corporate account via your online account access to get the corporate featuresChecked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
personal
foldapp.com checked 28 Oct 2026
Source and check
Source
foldapp.com
Wording at the source
The Card is for personal use only. You agree not to use the Card for business purposes.Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Issuer / BIN sponsor (differs)same for all |
Papaya Ltd
blackcatcard.com checked 30 Oct 2026
Source and check
Source
blackcatcard.com
Wording at the source
Blackcatcard is issued by Papaya Ltd. Papaya Ltd. is an Electronic Money Institution authorised and regulated by the Malta Financial Services Authority (MFSA). Registration number C55146.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
Sutton Bank (Member FDIC)
foldapp.com checked 28 Oct 2026
Source and check
Source
foldapp.com
Wording at the source
The Fold Prepaid Debit Card is issued by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc.Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Limits depend onsame for all |
user setting
blackcatcard.com checked 30 Oct 2026
Source and check
Source
blackcatcard.com
Wording at the source
The Wallet Holder may adjust daily or per-transaction limits for Card Payments and SEPA transfers through the APP, within the plafond defined by us.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
unknown |
| Cards per accountsame for all | unknown | unknown |
| Unknown for all | Cards per account | |
| Availability | ||
| Available insame for all | unknown | unknown |
| Unknown for all | Available in | |
| Crypto | ||
| Supported assets (differs)same for all |
BTC, ETH, USDC
blackcatcard.com checked 30 Oct 2026
Source and check
Source
blackcatcard.com
Wording at the source
The following digital assets are currently supported by MANERIO Sp. z o.o. within the Linked Wallet environment: - Bitcoin (BTC) - Ethereum (ETH) - USD Coin (USDC) – TRC-20 (Tron network) - USD Coin...Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
BTC
foldapp.com checked 29 Oct 2026
Source and check
Source
foldapp.com
Wording at the source
Set up direct deposit, transfer in from a linked account, or load funds instantly. Move bitcoin to your cash balance anytime for spending.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Number of supported assetssame for all | unknown | unknown |
| Top-up networkssame for all |
Bitcoin, Ethereum, Tron
blackcatcard.com checked 30 Oct 2026
Source and check
Source
blackcatcard.com
Wording at the source
USD Coin (USDC) – TRC-20 (Tron network) - USD Coin (USDC) – ERC-20 (Ethereum network)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 |
Yes
blackcatcard.com checked 30 Oct 2026
Source and check
Source
blackcatcard.com
Wording at the source
Account replenishment Incoming SEPA transfers Free With no limits on the amountChecked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
Yes
foldapp.com checked 29 Oct 2026
Source and check
Source
foldapp.com
Wording at the source
Set up direct deposit, transfer in from a linked account, or load funds instantly. Move bitcoin to your cash balance anytime for spending.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Unknown for all | Number of supported assets | |
| Payments | ||
| Mobile wallets (differs)same for all |
Apple Pay
Google Pay
blackcatcard.com checked 30 Oct 2026
Source and check
Source
blackcatcard.com
Wording at the source
Digital Wallet Transactions (Apple Pay, Google Pay) i. Adding a Card to a digital wallet generates a tokenised credential through Mastercard's Digital Enablement Service (MDES) under EMV tokenisation...Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
Apple Pay
foldapp.com checked 28 Oct 2026
Source and check
Source
foldapp.com
Wording at the source
For each of the Fold Prepaid Debit Card and Fold Bitcoin Credit Card (defined below), you acknowledge and agree that your use of Apple Pay or other mobile payment platforms in connection with such Car...Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| ATM withdrawalssame for all |
Yes
blackcatcard.com checked 30 Oct 2026
Source and check
Source
blackcatcard.com
Wording at the source
Cash withdrawal at ATMs in the EU Free Up to € 200 per monthChecked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
Yes
foldapp.com checked 29 Oct 2026
Source and check
Source
foldapp.com
Wording at the source
The Fold Card runs on the Visa network, so it works at virtually every merchant in the country and at ATMs when you need cash.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Contactlesssame for all |
Yes
blackcatcard.com checked 30 Oct 2026
Source and check
Source
blackcatcard.com
Wording at the source
Where all applicable authentication procedures were duly completed — including contactless limits, PIN verification, or signature acceptance — we shall bear no liability for subsequent unauthorised us...Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
Yes
foldapp.com checked 29 Oct 2026
Source and check
Source
foldapp.com
Wording at the source
## Tap, swipe, or insert anywhere Visa is acceptedChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Fees | ||
| Virtual card issuancesame for all | unknown |
0.00 USD
foldapp.com checked 28 Oct 2026
Source and check
Source
foldapp.com
Wording at the source
| Card Purchase | $0 | Fee charged for purchase of the Fold Visa® Prepaid Debit Card. Additional cards and replacement cards are available for the fees described below. |Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Physical card issuancesame for all |
0.00 EUR
blackcatcard.com checked 30 Oct 2026
Source and check
Source
blackcatcard.com
Wording at the source
Card issue Free Issue of the first card linked to the IBAN accountChecked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
0.00 USD
foldapp.com checked 28 Oct 2026
Source and check
Source
foldapp.com
Wording at the source
| Card Purchase | $0 | Fee charged for purchase of the Fold Visa® Prepaid Debit Card. Additional cards and replacement cards are available for the fees described below. |Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Free cardssame for all | unknown | unknown |
| Shippingsame for all | unknown | unknown |
| Monthly feesame for all |
0.00 EUR
blackcatcard.com checked 30 Oct 2026
Source and check
Source
blackcatcard.com
Wording at the source
Account maintenance fee Free If you have one payment card or an account onlyChecked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
0.00 USD
foldapp.com checked 28 Oct 2026
Source and check
Source
foldapp.com
Wording at the source
| Annual or Monthly Fee | $0 | There is no annual or monthly fee. |Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Annual fee (differs)same for all |
not applicable
blackcatcard.com checked 30 Oct 2026
Source and check
Source
blackcatcard.com
Wording at the source
Account maintenance fee Free If you have one payment card or an account onlyChecked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
0.00 USD
foldapp.com checked 28 Oct 2026
Source and check
Source
foldapp.com
Wording at the source
| Annual or Monthly Fee | $0 | There is no annual or monthly fee. |Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Top-up feesame for all | unknown | unknown |
| Crypto deposit feesame for all | unknown | unknown |
| Crypto conversion feesame for all | unknown |
1 %
foldapp.com checked 28 Oct 2026
Source and check
Source
foldapp.com
Wording at the source
If you are not a Fold Reserve member, or your Committed Balance is below $5,000, a Transaction Fee of 1% applies to each Fold Bitcoin Buying transaction, including, but not limited to, transactions ma...Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Foreign currency feesame for all |
0.35 %
s3.blackcatcard.com checked 30 Oct 2026
Source and check
Source
s3.blackcatcard.com
Wording at the source
FX Mark-up 0.35%Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
unknown |
| FX free allowancesame for all | unknown | unknown |
| Minimum FX feesame for all | unknown | unknown |
| ATM feesame for all | unknown |
3.50 USD (Per withdrawal; waived for Fold Reserve members with a Reserve Balance of USD 5,000 or more; ATM operator fees may apply.)
foldapp.com checked 28 Oct 2026
Source and check
Source
foldapp.com
Wording at the source
| ATM Withdrawal | $3.50 per withdrawal | This fee is waived for Fold Reserve members with a Reserve Balance of $5,000 or more. You may be charged a fee by the ATM operator even if you do not complete...Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Transaction feesame for all |
free
s3.blackcatcard.com checked 30 Oct 2026
Source and check
Source
s3.blackcatcard.com
Wording at the source
Card purchases 0 EURChecked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
free
foldapp.com checked 29 Oct 2026
Source and check
Source
foldapp.com
Wording at the source
| Per Purchase | $0 |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Cross-border feesame for all | unknown | unknown |
| Withdrawal feesame for all | unknown | unknown |
| Activation feesame for all | unknown | unknown |
| Minimum top-upsame for all | unknown | unknown |
| Declined payment feesame for all | unknown | unknown |
| Refund feesame for all | unknown | unknown |
| Inactivity fee (differs)same for all |
15.00 EUR
blackcatcard.com checked 30 Oct 2026
Source and check
Source
blackcatcard.com
Wording at the source
Dormancy fee € 15 per month Starting from the 7th month of inactivityChecked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
0.00 USD
foldapp.com checked 28 Oct 2026
Source and check
Source
foldapp.com
Wording at the source
| Inactivity Fee | $0 | Card Account becomes inactive when you fail to initiate a transaction for 6 consecutive months. Fee is charged on a per month basis. |Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Minimum monthly spendsame for all | unknown | unknown |
| Inactivity rulesame for all | unknown |
The card account becomes inactive after 6 consecutive months without a transaction initiated by the cardholder; the inactivity fee is $0.
foldapp.com checked 29 Oct 2026
Source and check
Source
foldapp.com
Wording at the source
| Inactivity Fee | $0 | Card Account becomes inactive when you fail to initiate a transaction for 6 consecutive months. Fee is charged on a per month basis. |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Card replacement (differs)same for all |
7.00 EUR (0 EUR when the card has expired)
s3.blackcatcard.com checked 30 Oct 2026
Source and check
Source
s3.blackcatcard.com
Wording at the source
Reissue of the card (if it has 0 EUR expired) Reissue of the card (per 7 EUR customer request)Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
5.00 USD (Lost or stolen cards, standard delivery; expired cards are replaced free; waived for Fold Reserve members.)
foldapp.com checked 28 Oct 2026
Source and check
Source
foldapp.com
Wording at the source
| Replacement Card (Standard Delivery) | $5.00 | Per replacement card ordered. This fee is for lost or stolen Cards only. No fee will be incurred to replace expired Cards. This fee is waived for Fold...Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Unknown for all | Free cards · Shipping · Top-up fee · Crypto deposit fee · FX free allowance · Minimum FX fee · Cross-border fee · Withdrawal fee · Activation fee · Minimum top-up · Declined payment fee · Refund fee · Minimum monthly spend | |
| Rewards | ||
| Cashback (differs)same for all |
0.5–5 %
blackcatcard.com checked 30 Oct 2026
Source and check
Source
blackcatcard.com
Wording at the source
5% cashback at Google Play Market Applicable for all purchases made at the market. The minimum monthly payout is €0.10Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
0.25 % (level 0); 0.25 % (level 5,000); 0.5 % (level 15,000); 1 % (level 25,000); 1.5 % (level 50,000); 2 % (level 75,000); 3 % (level 100,000) · in BTC |
| Referral bonus (invited friend)same for all | unknown |
10 USD
support.foldapp.com checked 29 Oct 2026
Source and check
Source
support.foldapp.com
Wording at the source
## What does the referral-receiver receive? - Your referral gets $10 of bitcoin with their first Fold Debit Card purchase of at least $25. - 100 spinsChecked Verified Value wrong? History What does [s] mean? |
| Referral bonus (you)same for all | unknown |
$5 of bitcoin when the referral spends $25 from their Fold balance, plus 100 spins and Spin Squad earnings of 1–50 sats on qualifying bitcoin purchases or Fold Debit Card use.
support.foldapp.com checked 29 Oct 2026
Source and check
Source
support.foldapp.com
Wording at the source
## What does the referral-giver receive? - You earn $5 of bitcoin when your referral spends $25 from their Fold balance. - Pro-tip: Suggest your friend purchases a Gift Card. Simplest, fastest, and...Checked Verified Value wrong? History What does [s] mean? |
| Welcome bonussame for all | unknown | unknown |
| Unknown for all | Welcome bonus | |
Early warning
Watch both cards
One mail when something changes at Blackcatcard · Fold Card: promotions and bonuses as well as warnings and incidents.