2Fiat vs ether.fi Cash
Head-to-head on the facts that decide your money - fee stacks, KYC, the bitcoin flow and limits.
Short answer ether.fi Cash wins overall (6.4/10 vs 5.3/10). The right pick still depends on your priority - see the flow comparison below.
 2Fiat |  ether.fi Cash | |
|---|---|---|
| Bitcoin flow | ||
| BTC load | Direct BTC top-up (on-chain) | Direct BTC top-up (on-chain) |
| Lightning funding | no | no |
| BTC sale timing | Not documented | Not documented |
| Fees | ||
| Top-up fee | 6.5% | 0% |
| FX fee | 2.5% | 1% |
| Monthly fee | none | none |
| ATM fee | ATM withdrawals not supported - official FAQ (2fiat.com/api/v1/faq, entry updated 2025-06-21): 'Can I use the virtual card to withdraw funds? - Withdrawals are not supported at this time.' | ATM withdrawals supported in most regions: $1,000 per transaction, max 5 per rolling 24h ($5,000/day); 'standard ATM and network fees may apply' - no operator ATM fee % published. ATM use blocked for FATF-blacklist countries (North Korea, Iran, Myanmar). |
| Cashback | none | 3% in ETHFI |
| Privacy & custody | ||
| KYC | No KYC | Full KYC |
| Custody | Custodial | Self-custody |
| Limits | ||
| Daily spend limit | not documented | not documented |
| ATM daily limit | not documented | $5,000 (5 x $1,000 per rolling 24h) |
| Max load | $10,000 per load | Borrowing capacity limited by portfolio value/collateral terms |
| Availability | ||
| Regions | GLOBAL | US, UK, EEA, APAC, LATAM |
| Network | Mastercard | Visa |
| Form factor | Virtual | Physical + virtual |
| Apple Pay | yes | no / unknown |
Pick 2Fiat if
- Lighter KYC (No KYC vs Full KYC)
Pick ether.fi Cash if
- Known fee stack (9.0 vs 1.0 % equivalents on a $500/mo profile)
- Higher documented cashback (3% vs 0)
- Physical card option
- Wider documented availability
2Fiat
A multi-asset virtual Mastercard with Apple/Google Pay support and $10-$10,000 loads - a rare direct-altcoin-load card. Until fees, limits and the operator behind it are verifiable, treat it as an unverified lead: fund only what you can afford to lose.
ether.fi Cash
A genuinely different architecture: keep full self-custody of 250+ assets and spend through a credit line instead of selling - with tiered memberships, travel cashback and premium Visa perks. The risks are equally clear: borrowing costs, portfolio volatility/liquidation risk, and a protection program that was still 'not yet live' at review time.
More head-to-heads
FAQ
Which is better for privacy, 2Fiat or ether.fi Cash?
When does my bitcoin get sold on each card?
Which is cheaper overall?
Facts checked 2026-09-20 · How we verify