Best Keytom alternatives

#1 alternative

Wise

active

The mid-market FX rail everyone else is measured against.

4.7

London · 16M+ · Public (WISE)

8.6Strong

The control for cross-border. Pair with a licensed local bank for salary protection. Never describe Wise personal as a UK bank account.

Best for: Anyone who receives or sends money across borders for a living.

Licence

EMI (personal)

Protection

Safeguarded EMI funds in the UK — not FSCS. Local bank details may sit at partner banks.

Monthly

Free personal · Wise Business subscription optional

#2 alternative

Krak

active

Kraken/Payward spend card. Lead Bank issues the US Visa. Not FDIC. Not a bank.

4.6

San Francisco · Kraken adjacency · Payward / Kraken

6.4Mixed

Krak is Payward’s money app — the same group as Kraken. The US Visa launched 18 August 2026, issued by Lead Bank, Stripe in the stack. Account balances are not FDIC or SIPC. That sentence is on the launch note. Keytom is the comparable crypto-IBAN object. This is a card. Keep cash at Ally or SoFi.

Best for: Kraken users who want a spend card and already keep dollars at an FDIC bank.

Licence

Fintech. Payward. US card issued by Lead Bank. Not a bank

Protection

Not FDIC or SIPC on Krak balances. Payward’s own US card copy (Aug 2026): the Everyday balance is not a deposit account. Lead Bank issues the Visa.

Monthly

Card SKU — confirm live

#3 alternative

Revolut

active

Global money app that finally became a UK bank.

4.7

London · 50M+ · $1.7B raised · ~$45B val.

8.6Strong

The default comparison set for a reason. Treat the UK bank product and the e-money wallet as different legal objects, then Revolut wins most travel and multi-currency briefs. It is not the quietest home for a salary if you want a full-licence high-street feel — that is still Starling or Monzo in the UK.

Best for: People who live in more than one currency and want one app for spend, FX, and extras.

Licence

UK bank (eligible customers)

Protection

FSCS up to £85,000 on UK bank balances; EMI safeguarding on e-money wallets

Monthly

Free · Plus/Premium/Metal/Ultra paid

#4 alternative

Gnosis Pay

active

On-chain IBAN thinking with a Visa. Self-custody adjacent card.

Lisbon / remote · On-chain users · Gnosis ecosystem

6.9Mixed

The self-custody-shaped card. RedotPay is easier. Kast is more business.

Best for: People who already live in a Safe and want a card, not a first bank.

Licence

Crypto card + EMI stack

Protection

On-chain balances are not deposits. EMI safeguarding only where they hold fiat.

Monthly

Low / usage-based

#5 alternative

Kast

active

USDC business account and Visa cards. Crypto treasury, not a bank.

4.3

Singapore · Tens of thousands of firms · Seed / growth

7.3Solid

Kast (KST / CAST in forums) is the business crypto-card. Put it next to RedotPay (consumer) and Mercury (fiat start-up bank). Never instead of FDIC.

Best for: Teams that already hold USDC and need cards, not a first operating account.

Licence

Stablecoin account + Visa BIN

Protection

USDC is not a bank deposit. No FDIC, no FSCS, no DICGC.

Monthly

Free virtual · paid metal / extra cards

#6 alternative

Wirex

active

The original crypto card, still issuing in more places than you think.

4.2

London · 6M+ · ~$20M+ plus token

7.1Solid

The veteran. Check whether your country still gets a card before you switch.

Best for: UK/EU users who want a long-running crypto card with an EMI wrapper on fiat.

Licence

EMI (UK)

Protection

EMI safeguarding on fiat e-money; crypto is separate

Monthly

Free + paid X-tras