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 (6.4/10 vs 3.8/10). The right pick still depends on your priority - see the flow comparison below.
 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 | Not documented | Not documented |
| Fees | ||
| Top-up fee | 0% | not documented |
| FX fee | 1% | 0% |
| Monthly fee | none | none |
| ATM fee | 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). | not documented |
| Cashback | 3% in ETHFI | none |
| Privacy & custody | ||
| KYC | Full KYC | Basic KYC |
| Custody | Self-custody | Custodial |
| Limits | ||
| Daily spend limit | not documented | not documented |
| ATM daily limit | $5,000 (5 x $1,000 per rolling 24h) | not documented |
| Max load | Borrowing capacity limited by portfolio value/collateral terms | not documented |
| Availability | ||
| Regions | US, UK, EEA, APAC, LATAM | GLOBAL |
| Network | Visa | Visa |
| Form factor | Physical + virtual | Virtual |
| Apple Pay | no / unknown | no / unknown |
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 (Basic KYC vs Full KYC)
- Lightning funding that actually loads the card
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.
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 2026-09-20 · How we verify