2Fiat vs Nuri
Head-to-head on the facts that decide your money - fee stacks, KYC, the bitcoin flow and limits.
Short answer 2Fiat wins overall (5.5/10 vs 3.2/10). The right pick still depends on your priority - see the flow comparison below.
Who wins what
2FiatLighter KYC (No KYC vs Basic KYC)
Rule-based on the documented facts below - no judgement calls.
| 2Fiat |  Nuri | |
|---|---|---|
| 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% | not documented |
| FX fee | 2.5% | not documented |
| 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.' | not documented |
| Cashback | none | not documented |
| Privacy & custody | ||
| KYC | No KYC | Basic KYC |
| Custody | Custodial | Self-custody |
| Limits | ||
| Daily spend limit | not documented | GBP 30,000 per transaction and per day (GBP 30,000/month; higher with documented limit-increase review) |
| ATM daily limit | not documented | GBP 500/day, GBP 5,000/month, 5 withdrawals/day (official card-support FAQ, sourced from Wirex BaaS docs) |
| Max load | $10,000 per load | not documented |
| Availability | ||
| Regions | GLOBAL | GLOBAL |
| Network | Mastercard | Visa |
| Form factor | Virtual | Virtual |
| Apple Pay | yes - Operator hedge: 'Apple Pay and Google Pay are available for eligible card products, subject to issuer support and compatibility' (homepage, 2026-11-07). | yes - Operator card-support FAQ documents Apple Pay / Google Pay (dedicated troubleshooting section incl. stale-token fixes). |
| Google Pay | yes - Operator hedge: 'Apple Pay and Google Pay are available for eligible card products, subject to issuer support and compatibility' (homepage, 2026-11-07). | yes - Operator card-support FAQ documents Apple Pay / Google Pay (dedicated troubleshooting section incl. stale-token fixes). |
| ATM withdrawal | no (not documented as of 2026-11-07) | yes (documented) |
Pick 2Fiat if
- Lighter KYC (No KYC vs Basic KYC)
Pick Nuri if
- you accept Basic KYC KYC and its fee stack - and nothing else on this page outweighs it
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.
Nuri
The old Nuri bank is dead (2022 insolvency, customers moved to Vivid) - but the brand relaunched at nuri.com as an Estonian self-custody wallet with a free Visa card, IBAN and 130-country reach. Verify listing: card issuance, fees and the provider stack behind the banking rails are unverified; no community track record exists yet.
More head-to-heads
FAQ
Which is better for privacy, 2Fiat or Nuri?
When does my bitcoin get sold on each card?
Which is cheaper overall?
Facts checked 2026-11-01 · How we verify