;blackcat vs Wirex One

;blackcat is your companion for effortless everyday payments! Experience an all-in-one app with a European IBAN, travel-ready cards*, integrated crypto wallets, and an enhanced rewards program. Access all your funds with just one click! With ;blackcat, you can manage your money anytime, anywhere. Get started in minutes: download the blackcat.app, register with your personal details and documents, verify your ID with a selfie – and you’re ready to go! Instantly access your crypto, IBAN, and virtual payment card. Order a matching plastic card – it will be produced in just 24 hours and shipped to you, wherever you are in the world! And of course, you can also add your card to Apple Pay! Why choose ;blackcat? – Free plan**. Standard rate (accounts with 1 card) is € 0 / month — no hidden fees. – Flexible money management. All your funds are available in one mobile interface. Create an unlimited number of additional wallets – both for euros and crypto. Each wallet and card is fully customizable with individual spending limits. You can also issue as many payment cards as you want. – Powerful rewards. Choose a bonus program that fits you — 4% per annum reward as part of the loyalty program (not an interest-bearing product), 2% cashback on Amazon, or 0.5% cashback on all card purchases (excluding ATM withdrawals, transfers, and crypto purchases). – Fast and convenient money transfers. SEPA payments, crypto wallet transfers, and transfers between blackcat accounts. – Secure payments. Benefit from 3D Secure protection — every transaction is confirmed with in-app authentication. – Dedicated support, 24/7. Our expert team is always here for you via chat or email. We don’t force you to talk to robots – you can always chat with a real person! How to Open an Account Download the blackcat.app from App Store. Fill out your personal info and upload proof of address. Take a selfie + scan your ID and/or residence permit — that’s it! Black cat is your lucky sign! We take care of the security and protection of your data. Blackcat is collecting, using, and processing your personal data in accordance with European General Data Protection Regulations. We use advanced measures to keep information secure. Disclaimers: *Travel-ready cards are ;blackcat’s payment cards. Those cards are accepted at car rentals, hotels, and other services, both online and offline. **Standard service and transaction fees may apply according to the tariff schedule. ;blackcat is issued by Papaya, Ltd. Papaya Ltd. is an Electronic Money Institution authorised and regulated by the Malta Financial Services Authority. Client funds are safeguarded in accordance with applicable legislation. Funds held in e-money accounts are not covered by the Depositor Compensation Scheme. The bonus payment is a part of the loyalty program provided by Baltic Technology Solutions OU. Detailed terms and conditions can be found here: https://baltictechsolutions.com/ An integrated crypto exchange and custodial crypto wallets are provided by MANERIO Sp. z o.o. You can find more information at maner.io

Wirex One is premium banking built for people who expect more from their money. Up to 8% cashback paid in USD. Up to 9% APY on savings. Borrow against your crypto. Zero-fee FX and ATM worldwide. No subscription. And you truly own your assets — not us, not any company. One app replaces your bank, your brokerage, and your savings product. CASHBACK THAT ACTUALLY PAYS Earn up to 8% cashback on everyday spending, paid in USD and redeemable instantly. Not in a volatile token. Not in points. Real money, in your account, the moment you spend. Most platforms offer a fraction of this — or lock rewards behind significant token staking requirements. EARN UP TO 9% APY Grow your savings with up to 9% APY on stablecoins and other assets through the Earn feature. Choose flexible terms to withdraw anytime, or fixed terms for higher rates. You opt in — your balance never auto-earns. You always know exactly what you're earning and on what terms. BORROW WITHOUT SELLING Need liquidity? Borrow against your crypto instantly. No credit check. No selling. No forced liquidation of your position. Access your wealth without giving it up. TRULY OWN YOUR ASSETS Your assets are held in non-custodial wallets — Wirex never holds or controls your funds. Built on Circle Arc blockchain through our partnership with Circle, with wallet security powered by Privy. Enterprise-grade protection (SOC 2 Type II, 99.99% uptime) with an experience that feels like any banking app. No seed phrases. No wallet addresses. Just tap and pay. ZERO FEES. EVERYWHERE. Interbank FX rates with 0% markup on eligible transactions. Zero-fee ATM withdrawals on eligible plans. No subscription fee — ever. Perks are unlocked through WPAY token holding as a percentage of your portfolio, not a monthly charge. INVEST 24/7 Trade crypto at competitive rates, around the clock. No market hours. No separate brokerage account. PREMIUM VISA CARD BENEFITS Wirex One cards are issued on Visa Platinum and Visa Signature, with built-in benefits at no extra cost: — Airport lounge access at 1,200+ lounges worldwide — Visa Luxury Hotel Collection: room upgrades, breakfast for two, VIP status at 900+ properties — Visa Concierge available 24/7 — Hertz car rental discounts and Five Star loyalty status — Air Refunds: flight compensation up to €600 — Purchase protection, extended warranty, and global auto rental insurance BUILT FOR HIGH EARNERS AND GLOBAL CITIZENS Whether you're managing a crypto portfolio, earning across borders, or looking for a real upgrade from your current bank — Wirex One is designed around you. Multi-currency accounts. Global card delivery via DHL. Stablecoin-native infrastructure that works everywhere. BUILT ON INSTITUTIONAL INFRASTRUCTURE Principal Member of both Visa and Mastercard — one of the few fintech companies globally to hold both. Built in partnership with BlackRock and Goldman Sachs on enterprise-grade foundations. Security and compliance are not afterthoughts — they're the foundation. — Up to 8% cashback in USD — Up to 9% APY (flexible or fixed) — Crypto-backed credit — Zero-fee FX and ATM globally — True asset ownership — Visa Platinum and Signature perks — No subscription fee Rates are variable. Crypto assets carry risk and values can go down. Terms and eligibility apply. Download Wirex One. Replace your bank.