Comparison
Blackcatcard vs. UR Card: fees, limits & KYC
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blackcatcard.com31 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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ur.app30 Oct 2026
Image source
Source
ur.app
Retrieved on
Logos and card pictures are trademarks of their owners and are shown for identification only.
UR CardFiat24
In short
- Blackcatcard has the lowest foreign currency fee (0.35 %).
- Fewest documents: UR Card (ID document).
- UR Card has the best score (6.9).
| Attribute |
BlackcatcardBlackcatcard
|
UR CardFiat24
|
|---|---|---|
| Overview | Requires KYC Private & business Virtual Physical | Requires KYC Private Virtual |
| Score | average | good |
| CostsWeight 25 % | 1.8 | 8.0 |
| TrustWeight 20 % | 8.4 | 7.7 |
| KYC and privacyWeight 15 % | 4.5 | 6.5 |
| FeaturesWeight 15 % | 8.3 | 7.2 |
| AvailabilityWeight 10 % | 4.2 | not scored |
| RewardsWeight 10 % | 5.5 | not scored |
| CommunityWeight 5 % | 0.0 | not scored |
| KYC | KYC: ID + proof of address | KYC: ID document |
| Limits (entry level) |
|
|
| Basics | ||
| Card formsame for all | unknown |
debit
support.ur.app checked 30 Oct 2026
Source and check
Source
support.ur.app
Wording at the source
The UR Mastercard Debit Card is a virtual multicurrency debit card that allows you to make secure purchases online and in-store using your available balances.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Card types (differs)same 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
support.ur.app checked 30 Oct 2026
Source and check
Source
support.ur.app
Wording at the source
| Virtual-only Card | Start spending immediately with a virtual Mastercard Debit Card, ready to use for online purchases and supported digital wallets. |Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Card networksame 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? |
Mastercard
support.ur.app checked 30 Oct 2026
Source and check
Source
support.ur.app
Wording at the source
The UR Mastercard Debit Card is a virtual multicurrency debit card that allows you to make secure purchases online and in-store using your available balances.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 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
support.ur.app checked 30 Oct 2026
Source and check
Source
support.ur.app
Wording at the source
UR Multicurrency Fiat Account provides a convenient way to manage your fiat balances in one account. Every verified user receives a dedicated Swiss IBAN for receiving bank transfers, while support for...Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 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
support.ur.app checked 30 Oct 2026
Source and check
Source
support.ur.app
Wording at the source
| Multicurrency Support | Make purchases using supported fiat currencies from a single debit card, without the need to switch between cards or accounts. |Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 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? |
CHF, CNY, EUR, HKD, JPY, SGD, USD
support.ur.app checked 30 Oct 2026
Source and check
Source
support.ur.app
Wording at the source
| Currency | Deposit | Payout | FX | P2P Transfer | Card Spending | |---|---|---|---|---|---| | Swiss Franc (CHF) | ✓ | ✓ | ✓ | ✓ | ✓ | | Euro (EUR) | ✓ | ✓ | ✓ | ✓ | ✓ | | US Dollar (USD) | ✗ | ✓ | ✓...Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 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
support.ur.app checked 30 Oct 2026
Source and check
Source
support.ur.app
Wording at the source
By completing KYC, you'll unlock full access to UR's services, including multi-currency banking and your UR Mastercard Debit Card.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 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? |
Fiat24
docs.fiat24.com checked 30 Oct 2026
Source and check
Source
docs.fiat24.com
Wording at the source
Card means a payment instrument that uses the Mastercard network, issued by Fiat24Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Limits depend on (differs)same 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? |
plan
support.ur.app checked 30 Oct 2026
Source and check
Source
support.ur.app
Wording at the source
| Limits | Refresh | Basic | Pro | |---|---|---|---| | Card Spending | Daily | EUR 2,000 | EUR 10,000 |Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Cards per accountsame for all |
not applicable
blackcatcard.com checked 30 Oct 2026
Source and check
Source
blackcatcard.com
Wording at the source
After registration, you will be able to order an unlimited number of additional cards in your mobile application or with the desktop for everyday tasksChecked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
|
| Availability | ||
| Available insame for all | 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? |
USDe
support.ur.app checked 30 Oct 2026
Source and check
Source
support.ur.app
Wording at the source
| Pay with Digital Assets | Use your available USDe balance to pay for eligible purchases directly with your UR Mastercard Debit Card. |Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Number of supported assetssame for all | 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? |
|
| 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
support.ur.app checked 30 Oct 2026
Source and check
Source
support.ur.app
Wording at the source
| Swiss IBAN | Receive a dedicated Swiss IBAN for sending and receiving supported bank transfers. |Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Unknown for all | Number of supported assets | |
| Payments | ||
| Mobile walletssame 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
Google Pay
support.ur.app checked 30 Oct 2026
Source and check
Source
support.ur.app
Wording at the source
Add your card to supported digital wallets, including Apple Pay, Google Pay, and Alipay, for convenient contactless payments.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 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? |
|
| 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
support.ur.app checked 30 Oct 2026
Source and check
Source
support.ur.app
Wording at the source
Add your card to supported digital wallets, including Apple Pay, Google Pay, and Alipay, for convenient contactless payments.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Fees | ||
| Virtual card issuancesame for all |
0.00 EUR
s3.blackcatcard.com checked 30 Oct 2026
Source and check
Source
s3.blackcatcard.com
Wording at the source
Package of services Fee 0 EUR IBAN Account and payment card [Blackcatcard] - IBAN Account - MasterCard (virtual card)Checked Verified Check overdue · last 30 Oct 2026 Value wrong? History What does [s] mean? |
|
| Physical card issuance (differs)same 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? |
not applicable
support.ur.app checked 30 Oct 2026
Source and check
Source
support.ur.app
Wording at the source
| Virtual-only Card | Start spending immediately with a virtual Mastercard Debit Card, ready to use for online purchases and supported digital wallets. |Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
| Free cardssame for all | unknown | |
| Shipping (differs)same for all |
0.00 EUR – 50.00 EUR
s3.blackcatcard.com checked 30 Oct 2026
Source and check
Source
s3.blackcatcard.com
Wording at the source
Custom nickname on a card 5 EUR Card delivery (regular mail) 0 EUR Dormancy Monthly fee 15 EUR Payments (excluding cards) Incoming payment fee (SEPA) 0 EUR Outgoing payment fee (SEPA) 0 EUR...Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
not applicable
support.ur.app checked 30 Oct 2026
Source and check
Source
support.ur.app
Wording at the source
| Virtual-only Card | Start spending immediately with a virtual Mastercard Debit Card, ready to use for online purchases and supported digital wallets. |Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
| 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? |
|
| Annual feesame 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? |
|
| Top-up feesame for all | unknown | |
| Crypto deposit feesame for all | unknown | |
| Crypto conversion feesame for all |
not published
blackcatcard.com checked 30 Oct 2026
Source and check
Source
blackcatcard.com
Wording at the source
Currency or asset exchange rates applicable to transfers are provided by MANERIO Sp. z o.o. and displayed prior to authorisation.Checked Verified Check overdue · last 30 Oct 2026 Add this value? History What does [s] mean? |
|
| Foreign currency fee (differs)same 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? |
2 % · 0% with sufficient same-currency balance; 1% settled from another enabled currency or from EUR for an unsupported currency; 2% unsupported currency settled from a non-EUR currency
support.ur.app checked 31 Oct 2026
Source and check
Source
support.ur.app
Wording at the source
| FX Fees | Explanations | |---|---| | No Fee | Your purchase is made in a supported currency, and you have a sufficient available balance in that same currency. The payment is deducted directly from...Checked Verified Check overdue · last 31 Oct 2026 Value wrong? History What does [s] mean? |
| FX free allowancesame for all | unknown | |
| Minimum FX feesame for all | unknown | |
| ATM feesame for all | unknown |
not applicable
support.ur.app checked 30 Oct 2026
Source and check
Source
support.ur.app
Wording at the source
| Virtual-only Card | Start spending immediately with a virtual Mastercard Debit Card, ready to use for online purchases and supported digital wallets. |Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 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? |
|
| Cross-border feesame for all | unknown | |
| Withdrawal feesame for all | unknown | |
| Activation feesame for all | unknown | |
| Account closure fee (differs)same for all |
not published
s3.blackcatcard.com checked 31 Oct 2026
Source and check
Source
s3.blackcatcard.com
Wording at the source
Fees may also apply for using services linked to the account which is not listed here. Full information is available in General Terms and Conditions.Checked Verified Check overdue · last 31 Oct 2026 Add this value? Unchanged since 31 Oct 2026 What does [s] mean? |
0.00 CHF
docs.fiat24.com checked 31 Oct 2026
Source and check
Source
docs.fiat24.com
Wording at the source
The Client has the right to terminate the Payment Card Terms and Conditions with immediate effect and free of charge provided that all the obligations arising from the Agreement and the Payment Card T...Checked Verified Check overdue · last 31 Oct 2026 Value wrong? Unchanged since 31 Oct 2026 What does [s] mean? |
| Dispute fee (differs)same for all |
10.00 EUR (Charged only when the card transaction claim has no grounds)
s3.blackcatcard.com checked 31 Oct 2026
Source and check
Source
s3.blackcatcard.com
Wording at the source
Blackcatcard transaction 10 EUR claim (having no grounds)Checked Verified Check overdue · last 31 Oct 2026 Value wrong? Unchanged since 31 Oct 2026 What does [s] mean? |
not published
support.ur.app checked 31 Oct 2026
Source and check
Source
support.ur.app
Wording at the source
## Multicurrency Fiat Account Fees | Functions | Basic Members | Pro Members | |---|---| | EUR Bank Transfers (Pay In & Pay Out) | Not Available | Free | | CHF Bank Transfers (Pay In & Pay Out) | Not...Checked Verified Check overdue · last 31 Oct 2026 Add this value? Unchanged since 31 Oct 2026 What does [s] mean? |
| Minimum top-upsame for all | unknown | |
| Declined payment feesame for all | unknown | |
| Refund feesame for all | unknown | |
| Inactivity feesame 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? |
|
| Minimum monthly spendsame for all | unknown | |
| Inactivity rule (differs)same for all |
A dormancy fee applies starting from the 7th month of inactivity.
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? |
Fiat24 may terminate card services after the card has not been used for operations for 6 consecutive months.
docs.fiat24.com checked 30 Oct 2026
Source and check
Source
docs.fiat24.com
Wording at the source
6.3.5 the Card has not been used for Operations for 6 consecutive months.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Card replacementsame 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? |
|
| Unknown for all | Free cards · 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 | ||
| Cashbacksame 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? |
|
| Referral bonus (invited friend)same for all | unknown | |
| Referral bonus (you)same for all | unknown | |
| Welcome bonussame for all | unknown | |
| Unknown for all | Referral bonus (invited friend) · Referral bonus (you) · Welcome bonus | |
Values of the chosen variant; without a choice the entry variant (first in the provider's order).
Early warning
Watch both cards
One mail when something changes at Blackcatcard · UR Card: promotions and bonuses as well as warnings and incidents.