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Karta.io Card vs Tuyo Card

Tuyo Card scores higher on the G2M score: 61/100 against 40/100 (#17 and #26 of 26 cards). Pick Karta.io Card for a lower FX fee; pick Tuyo Card for more countries.

Karta.io Card40

#26 of 26 · Not published back · annual fee none

Get Karta.ioRead the review
Tuyo Card61

#17 of 26 · Not published back · annual fee none

Get TuyoRead the review

The short answer

  • Tuyo Card scores higher on the G2M score: 61/100 against 40/100 (#17 and #26 of 26 cards).
  • Neither card publishes a cashback rate for its entry tier.
  • Neither card has an annual fee.
  • Karta.io Card charges less on foreign currency: a 1% FX fee against 2%.
  • Tuyo Card is confirmed in more countries: 216 against 0, though neither publishes a full list. Of the markets we check for every card, only Tuyo Card is confirmed in United States, EU / EEA and UAE.
  • Both are self-custodial.

Want the answer for your own spending, or the next tier up of each? See what each keeps you a year or pick tiers and add a third card.

Side by side

Detail
Karta.io Card
Tuyo Card
G2M score
40
61 (better)
Base cashback
Not published
Not published
Max cashback
Not published
Not published
Paid in
Not published
Not published
Annual fee
Free
Free
FX fee
1% (better)
2%
Top-up fee
0%
0%
Per-purchase fee
1.5%
None listed
ATM
1 USDT + 2.5% per withdrawal
Up to $250 a withdrawal incl. the ATM surcharge, 3 attempts a day; Tuyo fee not published
Network
Visa
Visa
Card type
Prepaid
Spend
Custody
Self-custodial
Self-custodial
Formats
virtual, physical
virtual
Apple / Google Pay
Yes / Yes
Yes / Yes
India
Unclear
No
UAE
Unclear
Yes
United States
No
Yes
United Kingdom
Unclear
No
EU / EEA
Unclear
Yes
Countries
Not published; depends on local rules and card partners
Worldwide except 34 restricted countries and territories, incl. the UK and India
Bank account (IBAN or account number)
In your name
In your name
Send money to a bank account
No
3 currencies
Buy and sell crypto with fiat
Buy only
Buy and sell
Spend against crypto without selling
No
No
Yield on your balance
No
Yes
Tiers
Karta Personal
Tuyo Card
Perks
Visa Signature · Fiat top-ups by ACH, SEPA, SWIFT, PIX and SPEI
Some purchases made free at random · Interest on your USD balance (variable) · Daily limit up to $200,000

Highlighted values are the better of the two. “Not published” means the issuer does not state it. Card data last checked 25 Oct 2026; see each card's review for its sources.

Questions

Which is better, Karta.io Card or Tuyo Card?

Tuyo Card scores higher on the G2M score: 61/100 against 40/100 (#17 and #26 of 26 cards). Pick Karta.io Card for a lower FX fee; pick Tuyo Card for more countries. The better card for you depends on where you live and how you spend; the G2M calculator works it out for your own spending.

Which has lower fees, Karta.io Card or Tuyo Card?

Neither card has an annual fee. Karta.io Card charges less on foreign currency: a 1% FX fee against 2%.

Which pays more cashback, Karta.io Card or Tuyo Card?

Neither card publishes a cashback rate for its entry tier.

Which works in more countries, Karta.io Card or Tuyo Card?

Tuyo Card is confirmed in more countries: 216 against 0, though neither publishes a full list. Of the markets we check for every card, only Tuyo Card is confirmed in United States, EU / EEA and UAE.

Who holds my funds with Karta.io Card and Tuyo Card?

Both are self-custodial.

More comparisons

Scores use the same rules for every card (how the score works). Referral links never change a score or rank. Not financial advice.

Karta.io Card vs Tuyo Card: fees, cashback and countries compared · G2M