Cayman Islands
activeCrypto card
- HQ
- Mong Kok
- Fee
- No monthly fee is printed on blonix.io.
ether.fi Cash
Non-custodial Visa credit card. Not a bank. The issuer is not named on the help pages.
Legal entity: Ether.Fi SEZC. US App Store seller of the Cash app. Not a bank and not a named card issuer.
Tap a star to jump to reviews
7.1Solid
AlternativesFive questions
At a glance
Is it a bank?
No. ether.fi Cash is not a bank. The money sits with an issuer ether.fi does not name on its help pages.
If it fails?
Self-custody, on ether.fi’s 13 August 2026 blog. No FDIC insurance is offered. No deposit scheme is named. The card spends against a vault, not a bank balance.
Salary?
No. There is no account number and no salary rail. Do not send a paycheck here.
Open from abroad?
Availability is jurisdictional, per the App Store footnote. A listing is not proof you can open the card.
Monthly fee
No monthly account fee is on the help-centre fee table. Physical and virtual cards are free only up to the tier allowance.
Account number
None. No IBAN. The card is USD. Native euro is described as soon, not as an account.
NeoBankDB Verdict
Licence first · score second
7.1
/10 · Solid
A non-custodial Visa card, not a bank account. Spend from a vault you control. The issuer is still unnamed, and FX is not zero. Read the help centre, not the App Store perk line.
What it is
Ether.Fi SEZC is the seller of “ether.fi: Crypto Card & Spend” on the US App Store, id 6670338367. Checked 3 October 2026: version 1.4.10, released that day, rated 4.9 from 360 ratings. SEZC means a Cayman Islands Special Economic Zone company. No registration number is printed here because the store page does not give one, and this file will not invent a city street. ether.fi’s blog on 13 August 2026 says ether.fi is not a bank, does not accept deposits, does not offer FDIC insurance, and that assets are self-custodied. The help-centre fee article, “What are the transaction limits and fees for personal Cash credit cards,” updated over two weeks before 3 October 2026, is the fee source. Core is every Cash member. Luxe unlocks at 5,000 loyalty points. Pinnacle unlocks at 25,000. VIP is invitation only. FX is a base rate of about 1% plus a tier margin: Core 0–0.5%, Luxe 0–0.25%, Pinnacle none, VIP none. The card is USD now. Native euro is described as soon. The benefits article, updated over a week before the same date, lists cashback at 3% for Core, Luxe, and Pinnacle, with VIP starred. Free physical cards are 0, 1, 2, and 2, with free shipping from Luxe up. After that allowance, a physical card is 50 dollars on Core and 100 on Luxe and Pinnacle, and 0 on VIP. Virtual cards after the free allowance are 10 dollars, except VIP at 0. Some regions charge 10 dollars for the first Core virtual card. The App Store description still says “No transaction fees” and “Up to 3% cashback.” Where those lines disagree, the help centre wins. The issuer is not named on those help pages. This file does not repeat an issuer name from a review site. Referral text on the benefits table says 1% cashback on referral purchases, marked “Now Affiliate.” That is ether.fi’s rate, not a promise that the link on this file still pays it. Support email published on the help centre is support@ether.fi.
Best for: Someone who will self-custody a vault and will read the help-centre FX table before spending.
Last checked 2026-10-03. Not advice.
What it does well
- +The help centre prints ATM limits and the FX margin by tier
- +The App Store seller is Ether.Fi SEZC, not an anonymous app
- +Apple Pay and Google Pay are on the benefits table
What to watch
- −The card issuer is not named on the help pages
- −The App Store says no transaction fees. The help centre charges FX
- −Core includes no free physical card. The first one is 50 dollars
Legal entity, not the app icon
Who is behind it
- Legal name
- Ether.Fi SEZC. US App Store seller of the Cash app. Not a bank and not a named card issuer.
- Founders
- Mike Silagadze is named as CEO on ether.fi’s 13 August 2026 blog.
- Offices
- Cayman Islands Special Economic Zone company, from the SEZC name on the App Store. No street address is printed on the store listing.
- If something goes wrong
- No deposit ombudsman. A self-custodied vault is not an FSCS or FDIC claim. Card disputes follow the issuer’s terms, and the issuer is not named on the help pages checked.
Who holds the money
The account
- IBAN country
- None. No IBAN. The card is USD. Native euro is described as soon, not as an account.
- Support
- support@ether.fi, from the ether.fi help centre.
- Hours
- Help centre. The App Store mentions 24/7 priority support for members. That line is store copy.
- Remote open
- Availability is jurisdictional, per the App Store footnote. A listing is not proof you can open the card.
- Onboarding
- Open the Cash app, pass identity checks, fund a self-custodied vault, then request the card. The Go button is an affiliate hop, not the issuer.
- KYC documents
- Identity verification is required. The public fee page does not list the document set. Use the in-app check, not this file, for the current list.
- Minimum age
- Not a number on the fee page. Identity verification is required before the card.
- Languages
- The help centre offers English, Spanish, Brazilian Portuguese, and Traditional Chinese.
- Salary / payroll
- No. There is no account number and no salary rail. Do not send a paycheck here.
- Local rails
- Card spend against the vault. Not a local bank transfer.
- ATM network
- ATM cash is capped on the fee page. Withdrawals are blocked for North Korea, Iran, and Myanmar.
- Overdraft
- It is described as a credit card against collateral in the vault, not as a bank overdraft. Read the vault rules before you spend.
How money actually moves
- Who holds the cash
- Insured bank deposit
- How money moves
- In-app ledger
- Built for
- Personal
- Settlement
- Card auth in seconds
- Freeze risk
- Bank-grade; still not freeze-proof
- Card
- ether.fi Cash lists a physical card and a virtual card and a metal card on Visa, plus Apple Pay and Google Pay. Confirm the live product in the app — a card is not a current account.
Licence first
Safety
Self-custody, on ether.fi’s 13 August 2026 blog. No FDIC insurance is offered. No deposit scheme is named. The card spends against a vault, not a bank balance.
Who holds the money: an issuer ether.fi does not name on its help pages
- No card-issuer licence named on the ether.fi help pages checkedNot a bank. Cayman SEZC. Issuer unnamed. · Cayman Islands
Fees
- Monthly
- No monthly account fee is on the help-centre fee table. Physical and virtual cards are free only up to the tier allowance.
- FX markup
- Help centre, checked 3 October 2026: a prevailing FX base rate of about 1%, plus a margin of 0–0.5% on Core, 0–0.25% on Luxe, and none on Pinnacle or VIP. The App Store line “No transaction fees” disagrees with that page. This file uses the help centre.
- ATM
- 1,000 US dollars per withdrawal, and five withdrawals in any rolling 24 hours (5,000 dollars). Same numbers on Core, Luxe, and Pinnacle. VIP is a star, not a figure. Blocked for North Korea, Iran, and Myanmar.
Features
- –IBAN
- ✓Fee-free core
- –Multi-currency
- ✓Apple Pay
- ✓Google Pay
- ✓Virtual card
- ✓Physical card
- ✓Metal card
- –Crypto
- –Stocks
- –Business
- –Kids
- –Halal
- Non-custodial Visa credit card against a vault
- Apple Pay and Google Pay, per the benefits table
- Cashback 3% on Core, Luxe, and Pinnacle. VIP is a star
- Plastic, then metal purple, black, or gold by tier
- USD card now. Native euro is marked soon, not live
Before you tap Sign up
How to open
Step 1
Read the fee page before the store perk line
The help centre charges an FX base rate of about 1% plus a small tier margin. The App Store says no transaction fees. Those are not the same sentence. Use the help centre.
Step 2
Open the app and pass the identity check
The Cash app requires verification before the card. Country limits sit with ether.fi. This file does not have a market list, so the chips are empty on purpose.
Step 3
The Go button is the affiliate hop
It uses /go/etherfi and opens https://www.ether.fi/@affinco. The benefits table describes 1% cashback on referral purchases. This file does not promise that rate still applies to this link.
Official help: help.ether.fi
Operator documents
Their own papers
These are the operator’s documents. They outrank this review if they disagree.
Score
- Safety25%
- 6.8
- Fees20%
- 7.2
- Features15%
- 8.0
- App15%
- 7.6
- Global15%
- 6.6
- Support10%
- 6.4
Change log
Full logNo dated notes yet. When the licence, fees, or status moves, it lands here.
Straight answers
FAQ
01Is ether.fi Cash a bank?
No. ether.fi’s own blog on 13 August 2026 says it is not a bank, does not accept deposits, and does not offer FDIC insurance. Assets are self-custodied by the user.
02Who issues the Visa?
The help pages checked on 3 October 2026 do not name the issuer. A review site is not a source for that name. Do not treat this file as naming a bank.
03What does FX actually cost?
The help centre says a prevailing base rate of about 1%, then an added margin of 0 to 0.5% on Core and 0 to 0.25% on Luxe. Pinnacle and VIP add none. Refunds use the rate when the refund settles.
04Is cashback 3% for everyone?
The benefits table lists 3% on Core, Luxe, and Pinnacle. VIP is a star, not a number. The App Store says up to 3%. Tiers still change the card stock and the free-card count.
05Where does the Go button send me?
NeoBankDB’s hop at /go/etherfi opens https://www.ether.fi/@affinco. The website on this file stays https://www.ether.fi. The 1% referral line is ether.fi’s help-centre text, not a guaranteed payout.
Ratings and reviews
No published user reviews yet. The NeoBankDB score still comes from licence, fees, and the product — not from an empty star average.
Alternatives
activeFeaturedCrypto card
- HQ
- Hong Kong
- Fee
- Free virtual
activeCrypto card
- HQ
- Lisbon / remote
- Fee
- Low / usage-based