Specifications
| Card network | Visa |
|---|---|
| Provider | EtherFi Cayman SEZC |
| Funding model | Self-custodial — funds stay in your wallet until spent |
| Settlement currency | USD |
| Available in | 171 countries incl. UK (FCA-regulated from Sep 2026), EEA, parts of Asia/SA |
| Supported chains | Scroll L2 (Ethereum) |
| Supported assets | USDC, USDT, ETH, eETH, weETH, ETHFI, eUSD, eBTC, wETH, LiquidUSD |
| Issuance fee | $40 |
| Monthly fee | $0 |
| FX markup | 1% |
| ATM fee | 2% |
| Top-up fee | 0% |
| Foreign transaction fee | 1% |
| Cashback | Up to 3% in wETH (realistic ~2.5%) |
| Daily spend limit | — |
| Monthly spend limit | — |
| Daily ATM limit | $250 |
| Last verified | 2026-04-30 |
What to watch out for
Two modes: Direct Pay (USDC, 0% on USD) or Borrow Mode (borrow USDC against eETH at 0% promo APR, then AAVE rates); collateral keeps earning ETH staking yield while you spend; non-custodial via Gnosis Safe on Scroll L2; gasless transactions; Liquid Vaults yield up to 9.8% on Liquid USD
Editorial notes
No annual fee; The Club tier system (Core free / Luxe 10K pts or 15K ETHFI / Pinnacle 50K pts or 100K ETHFI / VIP invite-only); $1000 spend = 3000 loyalty points; ATM 2% capped $250/day, 3 attempts max; Borrow Mode liquidation risk if collateral drops; UK FCA regulation from Sep 2026; refund credits go to Credits balance; gambling and rent excluded from cashback
Frequently asked questions
Where is the EtherFi Cash available?
As of 2026-04-30, EtherFi Cash is available to residents of United Kingdom, European Economic Area, Latin America, Asia-Pacific, and Middle East & Africa. Specific country list: 171 countries incl. UK (FCA-regulated from Sep 2026), EEA, parts of Asia/SA.
How does the EtherFi Cash cashback work?
EtherFi Cash offers up to 3% cashback paid in wETH. All tiers up to 3% in wETH but capped: Core 3% on first $2K/mo, Luxe 3% on first $10K/mo (15K ETHFI staked), Pinnacle 3% on first $50K/mo (100K ETHFI staked). Limited-time promo: up to 15% on groceries/dining. ATM withdrawals and refunds excluded; paid in wETH to Vault monthly. In practice, the realistic effective rate for most users is around 2.5%.
What are the fees on the EtherFi Cash?
EtherFi Cash has an issuance fee of $40, no monthly fee, a 1% FX markup on non-settlement-currency spend. See the spec table above for ATM and top-up fees.
Is the EtherFi Cash self-custodial?
Yes. With EtherFi Cash, your funds remain in your own wallet until each transaction is authorised. The card provider does not hold your assets.
Last verified 2026-04-30. Rates and availability change frequently — confirm with the issuer before signing up. See our methodology for how we collect and verify this data.