Comparison
Halocard vs. Zypto Card: fees, limits & KYC
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halocard.co29 Oct 2026
Image source
Source
halocard.co
Retrieved on
Logos and card pictures are trademarks of their owners and are shown for identification only.
HalocardHalocard
-
Illustration
Drawn by us from the provider logo and card colours, not the official card picture.
Drawn on
Zypto CardZypto
In short
- Halocard has the lowest foreign currency fee (1.5 %).
- Halocard ask for the least (ID document).
- Halocard has the higher score (65.91).
| Attribute |
HalocardHalocard
Requires KYC
Private & business
Virtual
Physical
|
Zypto CardZypto
Requires KYC
Private
Virtual
Physical
|
|---|---|---|
| Score | good | good |
| CostsWeight 25 % | 70 | 67 |
| KYC and privacyWeight 20 % | 35 | 18 |
| FeaturesWeight 15 % | 93 | 88 |
| AvailabilityWeight 10 % | 97 | 97 |
| RewardsWeight 10 % | not scored | 100 |
| TrustWeight 10 % | 78 | 76 |
| CommunityWeight 10 % | not scored | not scored |
| KYC | KYC: ID document | KYC: ID + proof of address |
| Limits (entry level) |
|
|
| Basics | ||
| Card form (differs) |
credit
halocard.co checked 29 Oct 2026
Source and check
Source
halocard.co
Wording at the source
Yes. Halocard issues Visa credit cards rather than debit cards, for higher acceptance, and doesn't require linking your bank account through Plaid.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
prepaid
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
Wording at the source
The Zypto Premium VISA Card is a prepaid card: you load it from your crypto in Zypto App before you spend, and you spend the balance you loaded.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Card types |
virtual, physical
halocard.co checked 28 Oct 2026
Source and check
Source
halocard.co
Wording at the source
| Plans | Virtual Cards | Extra Cards (Annual Plans) | Single-use Cards (Annual Plans) | Physical Cards (Annual Plans) | Price | Initial Deposit | |---|---|---|---|---|---|---| | Essential+ | 3 total...Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
virtual, physical
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
Wording at the source
Get your card. Load your crypto. Hit the real world. The Zypto Premium VISA Card comes physical and virtual, loads with 100+ cryptocurrencies, and lets you use your crypto for real-world spending wher...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Card network |
Visa
halocard.co checked 29 Oct 2026
Source and check
Source
halocard.co
Wording at the source
Every Halocard starts as a virtual card: a full Visa number, expiry and CVC, issued in seconds and ready to use online straight away.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
Visa
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
Wording at the source
Yes. It is a real Visa card you load with crypto in advance and spend as local currency wherever Visa is accepted, in-store, online, at ATMs and via Apple Pay and Google Pay.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Custody |
custodial
halocard.co checked 29 Oct 2026
Source and check
Source
halocard.co
Wording at the source
You fund the account, not the card. Every Halocard draws on one balance, so there is no moving money between cards to cover a charge.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
custodial
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
Wording at the source
Upon load. Your crypto converts to local currency when you load the card in Zypto App, on your timing, not at the checkout. The balance you load is what you spend.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Funding model |
fiat balance
halocard.co checked 29 Oct 2026
Source and check
Source
halocard.co
Wording at the source
Fund your balance with stablecoins (USDC, USDT) or with BTC, ETH and SOL, converted to your USD balance on arrival.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
fiat balance
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
Wording at the source
Your crypto converts to local currency when you load the card, on your timing, upon load, not at the checkout. Top up in Zypto App, then use your card wherever Visa is accepted.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Card currencies |
USD
halocard.co checked 29 Oct 2026
Source and check
Source
halocard.co
Wording at the source
Halocards are held in US Dollars. Pay in another currency and Visa converts at its rate on the day, with Halocard's conversion fee on top.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
USD
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
Wording at the source
- Physical and Virtual: 1.75% on non-USD transactionsChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Usage (differs) |
personal, business
halocard.co checked 28 Oct 2026
Source and check
Source
halocard.co
Wording at the source
Our Services include web-based and mobile applications for card and account management, tools for creating consumer and commercial virtual and physical cards, and virtual account services provided thr...Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
personal
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
Wording at the source
- You will use the Zypto Card for personal, family, or household use.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Issuer / BIN sponsor |
Third National
halocard.co checked 29 Oct 2026
Source and check
Source
halocard.co
Wording at the source
Halocard is a financial technology company, not a bank. Card issuance is provided by Third National, a Non-Bank Principal Member of the Visa Network.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
Third National
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
Wording at the source
"Issuer" refers to the issuer of the card program. The issuer for this card program is Third National.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Limits depend on (differs) |
user setting
halocard.co checked 29 Oct 2026
Source and check
Source
halocard.co
Wording at the source
Give a card a daily, weekly or monthly limit and it declines anything above it.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
unknown |
| Cards per account | unknown | unknown |
| Availability | ||
| Available in | unknown | unknown |
| Crypto | ||
| Supported assets (differs) |
BTC, ETH, USDT, USDC, SOL
halocard.co checked 28 Oct 2026
Source and check
Source
halocard.co
Wording at the source
| Stablecoins: USDT, USDC | Free | Instant | Transfer to a unique address on Arbitrum, Avalanche, Base, Optimism, Polygon, BSC or the Solana network | | Major Tokens: SOL, ETH, BTC | 1% | 1 - 60 mins...Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
BTC, ETH, USDC, SOL
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
Wording at the source
A premium black physical card for everyday spend, plus an instant virtual card for online and Apple / Google Pay. Both fund from 100+ cryptocurrencies including BTC, ETH, USDC and SOL.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Number of supported assets (differs) | unknown |
100
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
Wording at the source
A premium black physical card for everyday spend, plus an instant virtual card for online and Apple / Google Pay. Both fund from 100+ cryptocurrencies including BTC, ETH, USDC and SOL.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Top-up networks (differs) |
BNB Smart Chain, Solana, Polygon, Arbitrum, Base, Optimism, Avalanche
halocard.co checked 28 Oct 2026
Source and check
Source
halocard.co
Wording at the source
| Stablecoins: USDT, USDC | Free | Instant | Transfer to a unique address on Arbitrum, Avalanche, Base, Optimism, Polygon, BSC or the Solana network |Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
unknown |
| Fiat top-up (differs) |
Yes
halocard.co checked 28 Oct 2026
Source and check
Source
halocard.co
Wording at the source
| BANK TRANSFER | | | | |---|---|---|---| | ACH Transfer: USD | Free | 0 - 3 days | Pay via standard or same-day ACH directly to your Halocard-provided bank account. |Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
unknown |
| Payments | ||
| Mobile wallets (differs) |
Apple Pay
Google Pay
halocard.co checked 29 Oct 2026
Source and check
Source
halocard.co
Wording at the source
Add a Halocard to Apple Wallet or Google Wallet and tap to pay in person, including at ATMs that accept phone wallets.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
Apple Pay
Google Pay
Samsung Pay
help.zypto.com checked 29 Oct 2026
Source and check
Source
help.zypto.com
Wording at the source
Premium cards are available as both virtual and physical, and share the same features: 3D Secure, mobile wallet support (Apple Pay, Google Pay, Samsung Pay), full in-app management, and Visa Signature...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| ATM withdrawals |
Yes
halocard.co checked 29 Oct 2026
Source and check
Source
halocard.co
Wording at the source
Add a Halocard to Apple Wallet or Google Wallet and tap to pay in person, including at ATMs that accept phone wallets.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
Yes
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
Wording at the source
- Physical: minimum $10.00 per withdrawal, maximum $250 per withdrawal - Physical: maximum $750 per day, 3 withdrawals per day - Physical: maximum $22,500 per month, 90 withdrawals per month - Virtual...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Contactless |
Yes
halocard.co checked 29 Oct 2026
Source and check
Source
halocard.co
Wording at the source
Add a Halocard to Apple Wallet or Google Wallet and tap to pay in person, including at ATMs that accept phone wallets.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
Yes
help.zypto.com checked 29 Oct 2026
Source and check
Source
help.zypto.com
Wording at the source
- Your physical card ships within 1 business day, giving you full ATM access and in-store tap-to-pay on top of everything the virtual card offers.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Fees | ||
| Virtual card issuance (differs) | unknown |
0.00 USD
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
Wording at the source
### Acquisition fee - Physical: not applicable - Virtual: $0Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Physical card issuance (differs) | unknown |
50.00 USD
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
Wording at the source
### Card cost - Physical: $50.00, includes activation and shipping - Virtual: not applicableChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Free cards | unknown | unknown |
| Shipping | unknown | unknown |
| Monthly fee (differs) | unknown |
0.00 USD
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
Wording at the source
### Monthly fee - Physical and Virtual: $0Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Annual fee (differs) | unknown |
0.00 USD
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
Wording at the source
| Annual Fees | 0$ |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Top-up fee (differs) | unknown |
3 %
help.zypto.com checked 29 Oct 2026
Source and check
Source
help.zypto.com
Wording at the source
| Card load fee | 3% |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Crypto deposit fee | unknown | unknown |
| Crypto conversion fee (differs) | unknown |
3 %
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
Wording at the source
### Crypto conversion fee - Physical and Virtual: 3%Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Foreign currency fee (differs) |
1.5 %
halocard.co checked 29 Oct 2026
Source and check
Source
halocard.co
Wording at the source
Purchases in any currency other than USD carry a 1.5% fee.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
1.75 %
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
Wording at the source
### FX fee - Physical and Virtual: 1.75% on non-USD transactionsChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| FX free allowance | unknown | unknown |
| Minimum FX fee | unknown | unknown |
| ATM fee (differs) |
1.5 % + 1.00 USD
halocard.co checked 28 Oct 2026
Source and check
Source
halocard.co
Wording at the source
| ATM Withdrawal | 1.5% + $1.00 | Applicable when withdrawing cash from an ATM, where ATM access is enabled. The ATM operator may also charge a separate fee. There is a limit of 3 ATM withdrawals ever...Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
1 %
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
Wording at the source
### ATM withdrawal fee - Physical: 1% - Virtual: not applicable, the Virtual card does not support ATM withdrawalChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Transaction fee | unknown | unknown |
| Cross-border fee | unknown | unknown |
| Withdrawal fee | unknown | unknown |
| Activation fee | unknown | unknown |
| Minimum top-up | unknown | unknown |
| Declined payment fee | unknown | unknown |
| Refund fee | unknown | unknown |
| Inactivity fee | unknown | unknown |
| Minimum monthly spend | unknown | unknown |
| Inactivity rule | unknown | unknown |
| Card replacement | unknown | unknown |
| Rewards | ||
| Cashback (differs) | unknown |
only in the app
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
Wording at the source
Multiplier amounts and the perks each level unlocks are shown under Perks in the app, and can change over time.Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? |
| Referral bonus (invited friend) (differs) | unknown |
5 USD
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
Wording at the source
When someone you refer completes the required steps, you each earn $5 in ZYPs. Simple, sharp and endlessly repeatable.Checked Verified Value wrong? No earlier versions What does [s] mean? |
| Referral bonus (you) (differs) | unknown |
5 USD
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
Wording at the source
When someone you refer completes the required steps, you each earn $5 in ZYPs. Simple, sharp and endlessly repeatable.Checked Verified Value wrong? No earlier versions What does [s] mean? |
| Welcome bonus | unknown | unknown |
Highlighted rows differ.
Early warning
Watch both cards
One mail when something changes at Halocard · Zypto Card: promotions and bonuses as well as warnings and incidents.