Fold Card vs Payy Card
The short answer
Winner: Fold Card — 6.8/10 versus 6/10. It leads on the blend of fees, trust, and community sentiment.
Updated July 2026
Fold Card
KYC
Payy Card
KYC
Score
Annual fee
$149
Free
Monthly fee
Free
Free
Cashback
0%
0%
ATM fee
Free
Free
FX fee
3%
1%
Per transaction
$15k
Unlimited
Daily limit
$15k
Unlimited
Monthly limit
$50k
Unlimited
KYC
KYC
KYC
Card type
Debit
Debit
Custody
Custodial
Non-custodial
Conversion fee
1.5%
Free
ATM per transaction
$400
Unlimited
Network
visa
visa
IBAN
✗
✗
Apple Pay
✓
✓
Google Pay
✗
✗
Countries
1
41
Coins
BTC
USDC, USDT
Fold Card vs Payy Card FAQ
On our composite score Fold Card edges ahead (6.8/10 vs 6/10). The right pick still comes down to what you weigh most — fees, privacy, or cashback.