Nuri vs Phantom Cash Card
Head-to-head on the facts that decide your money - fee stacks, KYC, the bitcoin flow and limits.
Short answer Phantom Cash Card wins overall (4.8/10 vs 3.2/10). The right pick still depends on your priority - see the flow comparison below.
 Nuri |  Phantom Cash Card | |
|---|---|---|
| Bitcoin flow | ||
| BTC load | Direct BTC top-up (on-chain) | BTC via in-app conversion |
| Lightning funding | no | no |
| BTC sale timing | Not documented | You sell manually in the app |
| Fees | ||
| Top-up fee | not documented | 1.75% |
| FX fee | not documented | 1% |
| Monthly fee | none | none |
| ATM fee | not documented | not documented (no ATM withdrawals advertised; card is virtual-only) |
| Cashback | not documented | none |
| Privacy & custody | ||
| KYC | Basic KYC | Full KYC |
| Custody | Self-custody | Hybrid |
| Limits | ||
| Daily spend limit | GBP 30,000 per transaction and per day (GBP 30,000/month; higher with documented limit-increase review) | USD 2,000/day standard; up to USD 5,000/day assessed automatically once the Cash account is 30 days old with 30 days of transaction history (support cannot raise/reset manually) |
| ATM daily limit | GBP 500/day, GBP 5,000/month, 5 withdrawals/day (official card-support FAQ, sourced from Wirex BaaS docs) | not documented |
| Max load | not documented | not documented |
| Availability | ||
| Regions | GLOBAL | US |
| Network | Visa | Visa |
| Form factor | Virtual | Virtual |
| Apple Pay | yes | yes |
Pick Nuri if
- Lighter KYC (Basic KYC vs Full KYC)
Pick Phantom Cash Card if
- you accept Full KYC KYC and its fee stack - and nothing else on this page outweighs it
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.
Phantom Cash Card
The wallet-first card: Phantom's Solana wallet issues a virtual Visa that spends a USD-pegged stablecoin balance (CASH) through Lead Bank, with Bridge converting at authorization - and the conversion consent documented verbatim in the cardholder agreement, which almost no competitor does. It is also narrow: US-only (not New York), virtual-only with no ATM access, full identity verification through Stripe for the card while the wallet itself stays no-KYC, and a 1.75% debit-card funding fee that makes card-funded top-ups expensive. A well-documented niche product: fund it via ACH (0.30%), not by card, and treat the wallet's no-KYC claim as ending at the card's front door.
More head-to-heads
FAQ
Which is better for privacy, Nuri or Phantom Cash Card?
When does my bitcoin get sold on each card?
Which is cheaper overall?
Facts checked 2026-10-05 · How we verify