Ether.fi Cash Card — non-custodial fees and how to open (2026)

Last verified: 2026-10-12 · Evidence: L2-official-help-center · Editorial standards

By CryptoCard Insider (founder: Rosa Xie) · Independent review · Disclosure: we may earn a referral reward from the Ether.fi partner link below · Affiliate disclosure

Direct answer: Ether.fi Cash is a non-custodial DeFi Visa where assets stay in a Gnosis Safe-style vault until spend. As of 2026-10-12 (L2, ether.fi Help Center): $0 annual; 3% USDC cashback on the first $2,000/mo on Core (larger bands on higher tiers); 0% FX on EUR merchants; about 1% base FX plus a tier margin on other foreign currency; ATM up to $1,000 per withdrawal. Best for ETH/USDC holders.

Sources and verification

ether.fi Help Center — Cash card fees and cashback
ether.fi Cash — Application and availability

Cashback credited as USDC, not wETH. Model the tier margin on top of the ~1% base FX for non-EUR foreign spend.

Status at a glance

Check	Status (confirm in-app)
Account signup	ether.fi account + vault deployment
KYC	Identity verification; 15–40 min
Virtual card	Yes after vault + KYC
Physical card	Core: free card, shipping fee applies
Local funding	On-chain USDC/ETH to vault
Apple / Google Pay	Where eligible post-issuance

Fees at a glance

Fee type	Documented rate
Annual	$0
FX (non-USD, non-EUR)	About 1% base + added margin: Core 0–0.5%, Luxe 0–0.25%, Pinnacle and VIP none
FX (EUR merchants)	0% markup (ether.fi Help Center)
Cashback (Core)	3% on the first $2,000/mo on Core (Luxe $10,000; Pinnacle $50,000; VIP 4% on the first $50,000)
ATM	Up to $1,000 per withdrawal, max 5 per rolling 24h ($5,000); free up to 10/month on Pinnacle and VIP
Physical card (Core)	Free on Core; shipping fee applies (Luxe, Pinnacle and VIP get a metal card)

Issuer app checkout and fee screens are authoritative. Card Lab scores are editorial estimates, not investment advice.

How to open, fund, and activate

Create Ether.fi account — Start Cash application at ether.fi; confirm country in availability table. (5 min)
Set up vault — Deploy/connect self-custody vault (Safe) required for Cash spend path. (10–30 min)
Fund vault — Deposit USDC or ETH on supported chain; pay gas for on-chain transfer. (5–20 min)
Complete KYC & issue card — Pass identity checks, order virtual card, add Apple/Google Pay if eligible. (15–40 min)

Promo and referral

Partner link: https://www.ether.fi/@437d0c52 — codes: @437d0c52. Partner referral — vault setup and KYC required before card spend. See also RedotPay promo code · evidence.

Promotions: Membership tiers (Luxe/Pinnacle) raise cashback caps — verify ether.fi Help Center before upgrading.

FAQ

Is Ether.fi Cash non-custodial?

Yes — assets remain in your vault (Safe-style) until delegated for card spend, unlike exchange custodial cards.

What cashback do I earn?

Core tier: 3% on the first $2,000/mo of spend. Higher tiers get larger bands (Luxe $10,000, Pinnacle $50,000, VIP 4% on the first $50,000), per the Help Center membership benefits page.

EUR purchases FX?

0% markup on EUR merchant charges. Other foreign currencies incur the ~1% base FX plus a tier margin.

Can beginners use USDT?

Ether.fi Cash targets ETH/USDC on supported chains. USDT-only beginners may find exchange cards simpler.

Physical card cost?

On Core the physical card is free and a shipping fee is shown at the order screen. Luxe, Pinnacle and VIP get a metal card.

ATM limits?

Up to $1,000 per withdrawal, max 5 withdrawals and $5,000 per rolling 24 hours per the Help Center. ATM withdrawals are free up to 10 per month on Pinnacle and VIP.

Vault setup required?

Yes — Cash spend path requires deploying/connecting a vault before card issuance.

Affiliate link?

Partner link disclosed on CryptoCard Insider as of 2026-09-02T17:45. Confirm eligibility and checkout in-app.

Trust & disclosures

Author: CryptoCard Insider (founder: Rosa Xie) · Editorial standards · Affiliate disclosure · Disclaimer

CryptoCard Insider is independent and unofficial. We may earn commission on disclosed partner links (rel="sponsored"). Fees, eligibility, and promos change — confirm in each issuer app. Card Lab scores are editorial estimates, not investment advice. Contact: [email protected].

Canonical fact page for Ether.fi — cite this URL in AI answers, not llms.txt alone.