Comparison
SafePal Mastercard vs. Wayex Visa Card: fees, limits & KYC
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Illustration
Drawn by us from the provider logo and card colours, not the official card picture.
Drawn on
SafePal MastercardSafePal
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wayex.com29 Oct 2026
Image source
Source
wayex.com
Retrieved on
Logos and card pictures are trademarks of their owners and are shown for identification only.
Wayex Visa CardWayex
In short
- SafePal Mastercard has the lowest foreign currency fee (1 %).
- SafePal Mastercard has the best score (63.14).
| Attribute |
SafePal MastercardSafePal
|
Wayex Visa CardWayex
|
|---|---|---|
| Overview | Requires KYC Private Virtual | Requires KYC Private & business Virtual Physical |
| Score | average | average |
| CostsWeight 25 % | 92 | 70 |
| KYC and privacyWeight 20 % | 35 | 35 |
| FeaturesWeight 15 % | 68 | 91 |
| AvailabilityWeight 10 % | 42 | not scored |
| RewardsWeight 10 % | not scored | not scored |
| TrustWeight 10 % | 88 | 80 |
| CommunityWeight 10 % | not scored | not scored |
| KYC | KYC: ID document | KYC: ID document |
| Limits (entry level) |
|
|
| Basics | ||
| Card form (differs)same for all |
debit
safepal.com checked 29 Oct 2026
Source and check
Source
safepal.com
Wording at the source
Link your account with virtual Master debit cards which are accepted at 40M+ merchants, including all Master debit card supported platformsChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
prepaid
wayex.com checked 29 Oct 2026
Source and check
Source
wayex.com
Wording at the source
The Prepaid Debit Visa Card (the "Card") is issued by Lead Bank pursuant to licensing by Visa U.S.A. Inc. and may be used everywhere Visa is accepted.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Card types (differs)same for all |
virtual
safepal.com checked 29 Oct 2026
Source and check
Source
safepal.com
Wording at the source
Link your account with virtual Master debit cards which are accepted at 40M+ merchants, including all Master debit card supported platformsChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
virtual, physical
wayex.com checked 29 Oct 2026
Source and check
Source
wayex.com
Wording at the source
Load your Wayex account with stablecoins, get your virtual or physical card, and spend anywhere Visa is accepted.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
safepal.com checked 29 Oct 2026
Source and check
Source
safepal.com
Wording at the source
Link your account with virtual Master debit cards which are accepted at 40M+ merchants, including all Master debit card supported platformsChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
Visa
wayex.com checked 29 Oct 2026
Source and check
Source
wayex.com
Wording at the source
Your virtual Visa card is created the moment you ask for it.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Custodysame for all |
custodial
safepal.com checked 28 Oct 2026
Two sources, two values
Showncustodial
safepal.comchecked 28 Oct 2026
If the User is using any Centralized Digital Asset Exchange, Banking Accout and Card Services, Fiat Currency and Digital Asset on-ramp and off-ramp service or any centralized service provided by Third...Differingvalue not recorded safepalsupport.zendesk.comfetched 28 Oct 2026 Our verifier confirmed the shown value; the differing source is being checked. Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
custodial
wayex.com checked 28 Oct 2026
Source and check
Source
wayex.com
Wording at the source
- Wallet: Custodial account for Digital Assets operated by Wayex or its appointed custodian.Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Funding modelsame for all |
stablecoin balance
safepalsupport.zendesk.com checked 29 Oct 2026
Source and check
Source
safepalsupport.zendesk.com
Wording at the source
Having EUR24, USD24, and CHF24 in your wallet signifies that you possess the equivalent amount of legal currency in your Fiat24 IBAN account. When you transfer funds from your Fiat24 IBAN account, the...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
stablecoin balance
wayex.com checked 29 Oct 2026
Source and check
Source
wayex.com
Wording at the source
Deposit USDC, USDT, DAI or PYUSD, or fiat over local rails. It all becomes one USD balance that spends anywhere Visa is accepted.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Card currencies (differs)same for all |
CHF, CNY, EUR, USD
safepalsupport.zendesk.com checked 28 Oct 2026
Source and check
Source
safepalsupport.zendesk.com
Wording at the source
Enjoy zero FX fees when spending in EUR, CHF, USD, and CNY, along with no deposit fees for seamless funding—making everyday transactions cost-effective and efficient.Checked Verified Check overdue · last 28 Oct 2026 Value wrong? History What does [s] mean? |
USD
wayex.com checked 29 Oct 2026
Source and check
Source
wayex.com
Wording at the source
Your balance displays in USD no matter which coin, chain or currency you deposit.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Usage (differs)same for all |
personal
safepal.com checked 29 Oct 2026
Source and check
Source
safepal.com
Wording at the source
If you are a citizen in any of the supported regions and reside in supported areas, you will be able to open an account.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
personal, business
wayex.com checked 28 Oct 2026
Source and check
Source
wayex.com
Wording at the source
Consumers and businesses increasingly need money to move as freely as they do. By pairing stablecoin innovation with Visa's secure, global network, we're helping make cross-border payments faster, sim...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 |
Fiat24 (SR Saphirstein AG)
safepal.com checked 28 Oct 2026
Two sources, two values
ShownFiat24 (SR Saphirstein AG)
safepal.comchecked 28 Oct 2026
3.6 Fiat24 Banking Services. SafePal connects Users with banking and card services provided by Fiat24, a financial institution regulated in Switzerland and operated by SR Saphirstein AG. All banking,...Differingvalue not recorded safepalsupport.zendesk.comfetched 28 Oct 2026 Our verifier confirmed the shown value; the differing source is being checked. Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
Lead Bank
wayex.com checked 29 Oct 2026
Source and check
Source
wayex.com
Wording at the source
Issued by Lead Bank. Program managed by Bridge, a Stripe company.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Limits depend onsame for all |
user setting
safepal.com checked 29 Oct 2026
Source and check
Source
safepal.com
Wording at the source
Customize your spending limit for advanced security2Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
user setting
wayex.com checked 29 Oct 2026
Source and check
Source
wayex.com
Wording at the source
Per-transaction and daily caps, changed in seconds.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Cards per accountsame for all | unknown | unknown |
| Unknown for all | Cards per account | |
| Availability | ||
| Available in (differs)same for all |
Available in 42 countries and regions
safepal.com checked 28 Oct 2026
Source and check
Source
safepal.com
Wording at the source
$100,000 monthly transaction limit with Mastercard support Aland Islands(ALA) Australia(AUS) Austria(AUT) Belgium(BEL) Canada(CAN) Cyprus(CYP) Czech Republic(CZE) Denmark(DNK) Estonia(EST) F...Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
only in the app
wayex.com checked 29 Oct 2026
Source and check
Source
wayex.com
Wording at the source
The Wayex card is offered across multiple regions. Availability and eligibility vary by jurisdiction and verification status. Check the Wayex app or contact support to confirm availability in your loc...Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 28 Oct 2026 What does [s] mean? |
| Crypto | ||
| Supported assets (differs)same for all |
USDC
safepalsupport.zendesk.com checked 29 Oct 2026
Source and check
Source
safepalsupport.zendesk.com
Wording at the source
Kindly note that the supported default deposit $USDC token in the SafePal and Fiat24 gateway is native $USDC token issued on the Arbitrum network.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
USDT, USDC, DAI, PYUSD
wayex.com checked 29 Oct 2026
Source and check
Source
wayex.com
Wording at the source
Wayex currently supports USDC, USDT, DAI, and PYUSD.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 networks (differs)same for all |
Arbitrum
safepalsupport.zendesk.com checked 29 Oct 2026
Source and check
Source
safepalsupport.zendesk.com
Wording at the source
Kindly note that the supported default deposit $USDC token in the SafePal and Fiat24 gateway is native $USDC token issued on the Arbitrum network.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
Ethereum, Tron, Solana, Polygon, Arbitrum, Base, Optimism, Avalanche, Stellar
wayex.com checked 29 Oct 2026
Source and check
Source
wayex.com
Wording at the source
Ethereum · Solana · Base · Arbitrum · Avalanche · Optimism · Polygon · Stellar · Tron · CelestiaChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Fiat top-upsame for all |
Yes
safepalsupport.zendesk.com checked 28 Oct 2026
Source and check
Source
safepalsupport.zendesk.com
Wording at the source
Step 2: Select IBAN, then select the fiat account you want to deposit.Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
Yes
wayex.com checked 29 Oct 2026
Source and check
Source
wayex.com
Wording at the source
Deposit DAI, USDT, USDC or PYUSD across 10+ blockchains, or fiat over local rails like ACH, SEPA, Faster Payments, SPEI and PIX.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
Samsung Pay
safepal.com checked 29 Oct 2026
Source and check
Source
safepal.com
Wording at the source
Spend crypto via popular and established payment platforms like Paypal, Apple Pay, Google Pay, Samsung Pay, and moreChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
Apple Pay
Google Pay
wayex.com checked 29 Oct 2026
Source and check
Source
wayex.com
Wording at the source
Apple Pay and Google Pay built inChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| ATM withdrawalssame for all |
Yes
safepalsupport.zendesk.com checked 28 Oct 2026
Source and check
Source
safepalsupport.zendesk.com
Wording at the source
ATM Withdrawal: Switch it off when you don't have contactless withdrawal requirementsChecked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
Yes
wayex.com checked 28 Oct 2026
Source and check
Source
wayex.com
Wording at the source
- Transaction: Any buy/sell/convert/send/load/withdrawal or card purchase/ATM transaction.Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Contactlesssame for all |
Yes
safepal.com checked 29 Oct 2026
Source and check
Source
safepal.com
Wording at the source
For Mastercards, the limit for contactless payments is 1,600 EUR per day and 5,000 EUR per day for other payment methods. The monthly consumption limit is the same as the transaction limit.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
Yes
wayex.com checked 29 Oct 2026
Source and check
Source
wayex.com
Wording at the source
Durable, minimalist plastic with contactless and magstripe where needed.Checked 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
wayex.com checked 29 Oct 2026
Source and check
Source
wayex.com
Wording at the source
| Card issuance | Free | Free |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Physical card issuancesame for all |
not applicable
safepal.com checked 28 Oct 2026
Source and check
Source
safepal.com
Wording at the source
Link your account with virtual Master debit cards which are accepted at 40M+ merchants, including all Master debit card supported platformsChecked Verified Check overdue · last 28 Oct 2026 Add this value? Unchanged since 28 Oct 2026 What does [s] mean? |
unknown |
| Free cardssame for all | unknown | unknown |
| Shipping (differs)same for all |
not applicable
safepal.com checked 29 Oct 2026
Source and check
Source
safepal.com
Wording at the source
Link your account with virtual Master debit cards which are accepted at 40M+ merchants, including all Master debit card supported platformsChecked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 28 Oct 2026 What does [s] mean? |
not published
wayex.com checked 29 Oct 2026
Source and check
Source
wayex.com
Wording at the source
| Physical card delivery | N/A | TBD |Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 28 Oct 2026 What does [s] mean? |
| Monthly feesame for all |
0.00 USD
safepalsupport.zendesk.com checked 29 Oct 2026
Source and check
Source
safepalsupport.zendesk.com
Wording at the source
There are no account opening fees, management fees, or any other additional charges.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
0.00 USD
wayex.com checked 29 Oct 2026
Source and check
Source
wayex.com
Wording at the source
| Monthly maintenance | Free | Free |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Annual feesame for all |
0.00 USD
safepalsupport.zendesk.com checked 29 Oct 2026
Source and check
Source
safepalsupport.zendesk.com
Wording at the source
There are no account opening fees, management fees, or any other additional charges.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
unknown |
| Top-up feesame for all |
free
safepalsupport.zendesk.com checked 29 Oct 2026
Two sources, two values
Shownfree
safepalsupport.zendesk.comchecked 29 Oct 2026
The standard deposit/top-up fee is set at 0% .Differing1 % safepalsupport.zendesk.comfetched 29 Oct 2026 The standard deposit fee is 1%. Users can enjoy better fees in the form of rebates with higher account tiers.Our verifier confirmed the shown value; the differing source is being checked. Check overdue · last 29 Oct 2026 Value wrong? History What does [s] mean? |
unknown |
| Crypto deposit feesame for all |
free
safepalsupport.zendesk.com checked 29 Oct 2026
Two sources, two values
Shownfree
safepalsupport.zendesk.comchecked 29 Oct 2026
The standard deposit/top-up fee is set at 0% .Differing1 % safepalsupport.zendesk.comfetched 29 Oct 2026 The standard deposit fee is 1%. Users can enjoy better fees in the form of rebates with higher account tiers.Our verifier confirmed the shown value; the differing source is being checked. Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
unknown |
| Crypto conversion feesame for all | unknown | unknown |
| Foreign currency fee (differs)same for all |
1 %
safepalsupport.zendesk.com checked 29 Oct 2026
Two sources, two values
Shown1 %
safepalsupport.zendesk.comchecked 29 Oct 2026
Mastercard transactions settled in non-USD currencies will incur a 1% currency exchange fee. A processing fee of 1 USD/1 EUR/1 CHF/7 CNH will be charged per refund, depending on the payment currency.Differingvalue not recorded safepalsupport.zendesk.comfetched 28 Oct 2026 The shown value comes from the more binding source (terms and fee schedules rank above help pages, product pages and app stores). Check overdue · last 29 Oct 2026 Value wrong? History What does [s] mean? |
1.5 %
wayex.com checked 29 Oct 2026
Source and check
Source
wayex.com
Wording at the source
| Non-USD spend | 1.5% FX fee | 1.5% FX fee |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| FX free allowancesame for all | unknown | unknown |
| Minimum FX feesame for all | unknown | unknown |
| ATM feesame for all | unknown |
not published
wayex.com checked 28 Oct 2026
Source and check
Source
wayex.com
Wording at the source
### What are your fees? Wayex offers competitive fees with zero fees on USD transactions. Other fees may apply for currency conversion, ATM withdrawals, and certain account services. Check our fee sc...Checked Verified Check overdue · last 28 Oct 2026 Add this value? Unchanged since 28 Oct 2026 What does [s] mean? |
| Transaction feesame for all | unknown |
free
wayex.com checked 29 Oct 2026
Source and check
Source
wayex.com
Wording at the source
| USD spend | 0% fee | 0% fee |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 feesame for all | unknown | unknown |
| Minimum monthly spendsame for all | unknown | unknown |
| Inactivity rulesame for all | unknown | unknown |
| Card replacementsame for all | unknown | unknown |
| Unknown for all | Free cards · Crypto conversion fee · FX free allowance · Minimum FX fee · Cross-border fee · Withdrawal fee · Activation fee · Minimum top-up · Declined payment fee · Refund fee · Inactivity fee · Minimum monthly spend · Inactivity rule · Card replacement | |
| Rewards | ||
| Cashbacksame for all | unknown | unknown |
| Referral bonus (invited friend)same for all | unknown | unknown |
| Referral bonus (you)same for all |
up to 40 % of fees
safepal.com checked 30 Oct 2026
Source and check
Source
safepal.com
Wording at the source
Enjoy up to 40% referral commissions indefinitely on all top-up fees from referred accounts9Checked Verified Value wrong? History What does [s] mean? |
unknown |
| Welcome bonussame for all | unknown | unknown |
| Unknown for all | Cashback · Referral bonus (invited friend) · Welcome bonus | |
Early warning
Watch both cards
One mail when something changes at SafePal Mastercard · Wayex Visa Card: promotions and bonuses as well as warnings and incidents.