ether.fi Cash vs Moon
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 (7.8/10 vs 4/10). The right pick still depends on your priority - see the flow comparison below.
Who wins what
MoonKnown fee stack (1.0 vs 0.0 % equivalents on a $500/mo profile)- MoonLighter KYC (Email only vs Basic KYC)
- MoonLightning funding that actually loads the card
ether.fi CashHigher documented cashback (3% vs 0)- MoonApple Pay support
- MoonGoogle Pay support
Rule-based on the documented facts below - no judgement calls.
| ether.fi Cash | Moon | |
|---|---|---|
| Bitcoin flow | ||
| BTC load | Direct BTC top-up (on-chain) | Direct BTC top-up (on-chain) + Lightning |
| Lightning funding | no | yes - loads the card |
| BTC sale timing | You sell manually in the app | Not documented |
| Fees | ||
| Top-up fee | 0% | not documented |
| FX fee | 1% | 0% |
| Monthly fee | none | none |
| ATM fee | 0 (operator fee); standard ATM and network fees may apply - Core/Luxe free up to 10 withdrawals/month, Pinnacle/VIP free unlimited; blocked in North Korea, Iran, Myanmar | not documented |
| Cashback | 3% in ETHFI | none |
| Privacy & custody | ||
| KYC | Basic KYC | Email only |
| Custody | Self-custody | Custodial |
| Limits | ||
| Daily spend limit | not documented | not documented |
| ATM daily limit | $25,000 per rolling 24h (max $5,000 per withdrawal, max 5 attempts incl. declined; help article 303623, checked 2026-11-04) | not documented |
| Max load | Borrowing capacity limited by portfolio value/collateral terms | not documented |
| Availability | ||
| Regions | US, UK, EEA, APAC, LATAM, MENA | GLOBAL |
| Network | Visa | Visa |
| Form factor | Physical + virtual | Virtual |
| Apple Pay | yes - Help center article 311478: 'You can add your ether.fi card to Apple Wallet or Google Pay in just a few minutes.' Regional caveat: 'Apple Pay is only available for cardholders living in certain countries, based on the country of residence on your ether.fi account.' | no (not documented as of 2026-11-07) |
| Google Pay | yes - Help center article 311478: 'You can add your ether.fi card to Apple Wallet or Google Pay in just a few minutes.' Regional caveat: 'Apple Pay is only available for cardholders living in certain countries, based on the country of residence on your ether.fi account.' | no (not documented as of 2026-11-07) |
| ATM withdrawal | yes (card + contactless) | no (not documented as of 2026-11-07) |
Pick ether.fi Cash if
- Higher documented cashback (3% vs 0)
- Physical card option
- Wider documented availability
Pick Moon if
- Known fee stack (1.0 vs 0.0 % equivalents on a $500/mo profile)
- Lighter KYC (Email only vs Basic KYC)
- Lightning funding that actually loads the card
ether.fi Cash
A real bitcoin lane with unusual custody: BTC sits in your own vault and nothing sells without you - swap to USDC manually when you want, or borrow against the stack and keep the coins. The card itself rides Visa through Third National with 3% ETHFI cashback, bank rails in four currencies and KYC that in practice asks only for an ID and a selfie (verified first-hand with a Paraguayan cedula and a German passport, September 2026). Weigh against: no BTC cashback, interest from the first borrowed payment, the November 2025 fraud incident with promised refunds, and rewards now locked in a volatile token.
Moon
Watch - do not load funds. The Lightning-funded virtual card worked until late November 2025, then cards were blocked en masse and withdrawals stalled (documented cases). Support has gone silent while the site still markets the product.
More head-to-heads
FAQ
Which is better for privacy, ether.fi Cash or Moon?
When does my bitcoin get sold on each card?
Which is cheaper overall?
Facts checked 2026-11-07 · How we verify