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Comparison

Blackcatcard vs. Tap Card: fees, limits & KYC

In short

  • Blackcatcard has the lowest foreign currency fee (0.35 %).
  • Fewest documents: Tap Card (ID document).
  • Tap Card has the best score (7.5).
Show

differs best value same for all

Attribute Blackcatcard BlackcatcardBlackcatcard Illustration: Essential Plan Tap CardTap
Overview Requires KYC Private & business Virtual Physical Requires KYC Private Virtual Physical
Score average good
CostsWeight 25 % 1.7 8.3
TrustWeight 20 % 8.4 8.6
KYC and privacyWeight 15 % 4.5 6.5
FeaturesWeight 15 % 8.3 10.0
AvailabilityWeight 10 % 4.2 3.8
RewardsWeight 10 % 5.5 6.8
CommunityWeight 5 % 0.0 3.1
KYC KYC: ID + proof of address KYC: ID document
Limits (entry level)
  • ATM per day: 5,000 EUR
  • ATM per month: 10,000 EUR
  • Spending per day: 2,500 EUR
  • Spending per month: 15,000 EUR
  • Spending per year: 50,000 EUR
+2
Basics
Card form unknown
debit withtap.com checked 29 Oct 2026
Card typessame for all virtual, physical blackcatcard.com checked 30 Oct 2026
virtual, physical withtap.com checked 29 Oct 2026
Card networksame for all Mastercard blackcatcard.com checked 30 Oct 2026
Mastercard withtap.com checked 29 Oct 2026
Custodysame for all custodial blackcatcard.com checked 30 Oct 2026
custodial withtap.com checked 29 Oct 2026
Funding modelsame for all fiat balance blackcatcard.com checked 30 Oct 2026
fiat balance withtap.com checked 29 Oct 2026
Card currencies EUR blackcatcard.com checked 30 Oct 2026
Standard: unknown
Usage (differs) personal, business blackcatcard.com checked 30 Oct 2026
personal withtap.com checked 29 Oct 2026
Issuer / BIN sponsor (differs) Papaya Ltd blackcatcard.com checked 30 Oct 2026
Transact Payments Limited withtap.com checked 29 Oct 2026
Limits depend on user setting blackcatcard.com checked 30 Oct 2026
unknown
Cards per account not applicable blackcatcard.com checked 30 Oct 2026
unknown
Availability
Available in unknown
unknown
Unknown for allAvailable in
Crypto
Supported assets BTC, ETH, USDC blackcatcard.com checked 30 Oct 2026
Standard: unknown
Number of supported assets unknown
unknown
Top-up networks Bitcoin, Ethereum, Tron blackcatcard.com checked 30 Oct 2026
unknown
Fiat top-upsame for all Yes blackcatcard.com checked 30 Oct 2026
Yes withtap.com checked 29 Oct 2026
Unknown for allNumber of supported assets
Payments
Mobile wallets Apple Pay Google Pay blackcatcard.com checked 30 Oct 2026
unknown
ATM withdrawalssame for all Yes blackcatcard.com checked 30 Oct 2026
Yes terms.withtap.com checked 30 Oct 2026
Contactless Yes blackcatcard.com checked 30 Oct 2026
unknown
Fees
Virtual card issuancesame for all 0.00 EUR s3.blackcatcard.com checked 30 Oct 2026
0.00 GBP terms.withtap.com checked 30 Oct 2026
Physical card issuance (differs) 0.00 EUR blackcatcard.com checked 30 Oct 2026
12.99 GBP terms.withtap.com checked 30 Oct 2026
Free cards unknown
unknown
Shipping 0.00 EUR – 50.00 EUR s3.blackcatcard.com checked 30 Oct 2026
unknown
Monthly fee 0.00 EUR blackcatcard.com checked 30 Oct 2026
Standard: unknown
Annual fee not applicable blackcatcard.com checked 30 Oct 2026
unknown
Top-up fee unknown
unknown
Crypto deposit fee unknown
not published terms.withtap.com checked 30 Oct 2026
Crypto conversion fee not published blackcatcard.com checked 30 Oct 2026
unknown
Foreign currency fee (differs) 0.35 % s3.blackcatcard.com checked 30 Oct 2026
1.5 % terms.withtap.com checked 31 Oct 2026
FX free allowance unknown
not published terms.withtap.com checked 30 Oct 2026
Minimum FX fee unknown
not published terms.withtap.com checked 30 Oct 2026
ATM fee unknown
500.00 EUR free per calendar month, then 2 % (min. 2.00 EUR) terms.withtap.com checked 31 Oct 2026
Transaction fee (differs) free s3.blackcatcard.com checked 30 Oct 2026
not published terms.withtap.com checked 30 Oct 2026
Cross-border fee unknown
not published terms.withtap.com checked 30 Oct 2026
Withdrawal fee unknown
unknown
Activation fee unknown
not published terms.withtap.com checked 30 Oct 2026
Account closure fee (differs) not published s3.blackcatcard.com checked 31 Oct 2026
10.00 GBP terms.withtap.com checked 31 Oct 2026
Dispute fee (differs) 10.00 EUR (Charged only when the card transaction claim has no grounds) s3.blackcatcard.com checked 31 Oct 2026
25.00 GBP (May be waived at Tap's discretion if the chargeback is proven genuine and satisfactory proof of fraud is provided.) terms.withtap.com checked 31 Oct 2026
Minimum top-up unknown
unknown
Declined payment fee unknown
not published terms.withtap.com checked 30 Oct 2026
Refund fee unknown
unknown
Inactivity fee (differs) 15.00 EUR blackcatcard.com checked 30 Oct 2026
3.00 GBP terms.withtap.com checked 30 Oct 2026
Minimum monthly spend unknown
unknown
Inactivity rule (differs) A dormancy fee applies starting from the 7th month of inactivity. blackcatcard.com checked 30 Oct 2026
A monthly inactivity fee is charged if there has been no load onto the Tap Card and no card transaction for 12 months. terms.withtap.com checked 30 Oct 2026
Card replacement (differs) 7.00 EUR (0 EUR when the card has expired) s3.blackcatcard.com checked 30 Oct 2026
4.99 GBP terms.withtap.com checked 30 Oct 2026
Unknown for allFree cards · Top-up fee · Withdrawal fee · Minimum top-up · Refund fee · Minimum monthly spend
Rewards
Cashback (differs) 0.5–5 % blackcatcard.com checked 30 Oct 2026
0.5 % (holding from 0); 1.5 % (holding from 300); 3 % (holding from 2,500); 4 % (holding from 5,000); 6 % (holding from 15,000); 8 % (holding from 25,000) · in XTP
Referral bonus (invited friend) unknown
not published terms.withtap.com checked 31 Oct 2026
Referral bonus (you) unknown
not published terms.withtap.com checked 31 Oct 2026
Welcome bonus unknown
unknown
Unknown for allWelcome bonus

Values of the chosen variant; without a choice the entry variant (first in the provider's order).

Early warning

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