Monolith Card vs BrainPay Card
The short answer
Winner: Monolith Card — 6.8/10 versus 6.6/10. It leads on the blend of fees, trust, and community sentiment.
Monolith Card
ID required
BC
BrainPay Card
No KYC
Score
Annual Fee
Free
Free
Monthly Fee
Free
Free
Cashback
0%
0%
ATM Fee
2%
2%
FX Fee
1.75%
2.5%
Per transaction
$2.4k
$500
Daily limit
$3k
$1k
Monthly limit
$10k
$5k
KYC
ID
None
Card type
debit
debit
Custody
non-custodial
non-custodial
Conversion fee
Free
Free
ATM per tx
$100
$100
Network
visa
visa
IBAN
✓
✗
Apple Pay
✓
✗
Google Pay
✗
✗
Countries
16
13
Coins
ETH, USDC, USDT
BTC, ETH, SOL, USDT
Monolith Card vs BrainPay Card FAQ
On our composite score Monolith Card edges ahead (6.8/10 vs 6.6/10). The right pick still comes down to what you weigh most — fees, privacy, or cashback.