KeyOne vs Fold 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
KeyOne
KYC
Fold Card
KYC
Score
Annual fee
Free
$149
Monthly fee
Free
Free
Cashback
0%
0%
ATM fee
Free
Free
FX fee
Free
3%
Per transaction
Unlimited
$15k
Daily limit
Unlimited
$15k
Monthly limit
$30k
$50k
KYC
KYC
KYC
Card type
Prepaid
Debit
Custody
Non-custodial
Custodial
Conversion fee
Free
1.5%
ATM per transaction
Unlimited
$400
Network
visa
visa
IBAN
✗
✗
Apple Pay
✓
✓
Google Pay
✗
✗
Countries
41
1
Coins
USDC, USDT
BTC
KeyOne vs Fold 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.