ether.fi Cash

Pricing

From the Fee Schedule the cardholder agreement incorporates by reference, https://help.ether.fi/en/articles/303623-what-are-the-transaction-limits-and-fees-for-personal-cash-credit-cards (HTTP 200, fetched 28 September 2026, dateModified 17 September 2026): "Where a transaction requires a currency conversion, ether.fi applies the prevailing FX base rate (~1%) and may add a foreign exchange margin on top of that base rate." | "The added FX fee is charged in addition to the underlying FX base rate and is reflected in the converted amount applied to the transaction." | "Membership Level" / "Added FX fee": "Core" "0-0.5%", "Luxe" "0-0.25%", "Pinnacle" "None", "VIP" "None" | ATM withdrawals, the same row for Core, Luxe and Pinnacle: "$1000 per transaction. Maximum of five(5) ATM withdrawals in any rolling 24 hour period ($5,000 total)." (the August row allowed half as much per transaction and three withdrawals a day) | "The Visa FX calculator provides indicative rates, but the final settlement rate can differ due to intermediary bank fees, network adjustments, or timing differences in how Visa processes the refund." The binding International agreement (https://etherfi.gitbook.io/etherfi/legal/ether.fi-legal/ether.fi-cash-cardholder-agreement-inc.-international.md, "Last Modified: September 8, 2026"): "This includes a base 1% foreign transaction fee ("FX Base Rate"). For Core tier members, the fee is up to an additional 50bps on top of the FX Base Rate. For Luxe tier members, the fee is up to an additional 25bps on top of the FX Base Rate." Cost of reaching the lower-markup tiers (https://help.ether.fi/en/articles/303625-how-do-membership-levels-work, dateModified 21 September 2026): Luxe by "5K pts" a month, "$15K" deposited into Liquid, "30K ETHFI" staked, or "$199/yr"; Pinnacle by "25K pts", "$100K", "150K ETHFI" or "$999/yr". Physical card (https://help.ether.fi/en/articles/776152-membership-level-benefits, dateModified 27 September 2026): Core "Free; shipping fee applies". Borrow Mode credit (https://help.ether.fi/en/articles/326983-understanding-your-cash-card-borrow-mode-vs-direct-pay-mode, "August 20, 2026"): "variable APY, set by the underlying lending market for each asset (borrowing runs through Aave v4 markets) — not a fixed rate"; the fixed APY quoted in August is gone. NOT PUBLISHED, cited to the page that should carry it: the per-withdrawal ATM fee at Core and Luxe (the membership-benefits page lists ATM withdrawals as "Available" at Core and Luxe and "Free, up to 10 withdrawals per month" at Pinnacle and VIP, naming no charge) and the Core shipping fee.ether.fi Cash — official pricing page ↗ · 28 September 2026

Prices published in

USDether.fi Cash — official pricing page ↗ · 28 September 2026

Licences held

Not published

Compliance level

partial

Regulatory note

READ ON https://help.ether.fi/en/articles/303623-what-are-the-transaction-limits-and-fees-for-personal-cash-credit-cards (17 August 2026, HTTP 200, stamped 'Updated over 2 weeks ago' — this is the Fee Schedule the cardholder agreement incorporates by reference): 'Where a transaction requires a currency conversion, ether.fi applies the prevailing FX base rate (~1%) and may add a foreign exchange …'

Supported chains

Not published

Markets served

us, europe, asia, latam, africa, mena, au

Primary markets

Not published

Restricted markets

Canada, Venezuela

Operating limits

Not published

Availability note

TWO DISTINCT THINGS FOUND, and they are not the same kind of restriction. (1) A GENUINE MARKET RESTRICTION, read on https://etherfi.gitbook.io/etherfi/legal/ether.fi-legal/terms-of-use.md (17 August 2026, 'Last Modified: 3 August 2026'): 'This Website is offered and available to users who are at least 18 years of age and are not restricted from using the Services based on their jurisdiction of residence or citizenship. Specifically, these Services are not available to residents or citizens of Canada or any Restricted Jurisdiction as defined below. Residents or citizens of the United States may use the Stake Service and, subject to specific eligibility requirements detailed in the applicable ether.fi Cash Cardholder Agreement - Inc. (U.S.) or ether.fi Cash Cardholder Agreement - Ltd. (U.S.), may also use the Cash Service the Liquid Reserve Service (currently unavailable for New York), but may not use the Liquid Service.' Canada is excluded by name; New York is excluded by name from one adjacent service. (2) A POSITIVE, ENUMERATED FOOTPRINT, read on https://help.ether.fi/en/articles/376356-physical-cards-everything-you-need-to-know (17 August 2026, '10 July 2026'): 'We currently ship to most supported countries. If your country isn't supported, the mailing option will not be available.' followed by 'Supported Regions ... Brazil, France, Germany, Hong Kong, Italy, Portugal, Spain, UAE, UK, Czech Republic, Denmark, Poland, Thailand, South Korea, South Africa, Japan, Switzerland, Argentina, Taiwan, Austria, Croatia, Cyprus, Gibraltar, Greece, Ireland, Norway, Luxembourg, Romania, Slovakia, Slovenia, Sweden, BVI, Cayman Islands, Antigua & Barbuda, Bahamas, Barbados, Belize, Bolivia, Costa Rica, Dominica, Dominican Republic, Ecuador, El Salvador, Grenada, Guatamala, Guyana, Honduras, Mexico, Panama, Paraguay, Peru, Puerto Rico, St. Kitts-Nevis, St. Lucia, St. Vincent and Grenadines, Suriname, Trinidad & Tobago, Turks & Caicos Islands, United States, Uruguay, Andorra, Iceland, Australia, Jersey, Canada, Malta, Palau, Lithuania, Guernsey, Singapore, Saudi Arabia, Indonesia, Bulgaria, Monaco, Malaysia, and New Zealand.' NOTE THE CONTRADICTION: that shipping list includes Canada, which the Terms of Use exclude outright. (3) SEPARATELY, and this is the standard OFAC/sanctions representation that nearly every crypto ToS carries and is NOT a regional footprint, read on the International cardholder agreement (17 August 2026): 'You are not a person who is blocked or sanctioned by the United States Government, including those identified by the United States Office of Foreign Asset Controls (OFAC).' and in the Terms of Use: 'You are not a resident, citizen, national or agent of, or an entity organized, incorporated or doing business in, Belarus, Burundi, Crimea and Sevastopol, Cuba, Democratic Republic of Congo, Iran, Iraq, Libya, North Korea, Somalia, Sudan, Syria, Venezuela, Zimbabwe or any other country to which the United States, the United Kingdom, the European Union or any of its member states or the United Nations or any of its member states embargoes goods or imposes similar sanctions ("Restricted Countries").' (4) A US/non-US SPLIT IN THE BINDING DOCUMENTS: the International agreement requires 'You attest that you are not a United States citizen, resident, taxpayer, or otherwise qualify as a U.S. person under U.S. tax laws or regulations. You understand that the Card Services are strictly prohibited for use by U.S. persons and are intended solely for those outside of the United States.' — US persons are served under a separate US cardholder agreement, not under the international one. (5) A NARROW OPERATIONAL CARVE-OUT on the Fee Schedule: 'ATM withdrawals are not allowed due to platform integrity and global compliance for the following FATF blacklist countries: Democratic People's Republic of Korea / Iran / Myanmar'.

Legal entity on file: ether.fi, placed in 3 products. Only confirmed entities are shown; nothing is inferred from the brand name.