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Tangem Pay vs Tuyo Card

Tangem Pay scores higher on the G2M score: 62/100 against 61/100 (#15 and #17 of 26 cards). Pick Tangem Pay for cashback and a lower FX fee; pick Tuyo Card for more countries.

Tangem Pay62

#15 of 26 · 1% to 4% back · annual fee none

Get TangemRead the review
Tuyo Card61

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

Get TuyoRead the review

The short answer

  • Tangem Pay scores higher on the G2M score: 62/100 against 61/100 (#15 and #17 of 26 cards).
  • Tangem Pay pays 1% cashback on its entry tier; Tuyo Card does not publish a rate. Higher tiers go up to 4% on Tangem Pay.
  • Neither card has an annual fee.
  • Tangem Pay charges less on foreign currency: a 1.5% FX fee against 2%.
  • Tuyo Card is confirmed in more countries: 216 against 50, though neither publishes a full list. Of the markets we check for every card, only Tuyo Card is confirmed in EU / EEA.
  • 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
Tangem Pay
Tuyo Card
G2M score
62 (better)
61
Base cashback
1%
Not published
Max cashback
4%
Not published
Paid in
USDC
Not published
Annual fee
Free
Free
FX fee
1.5% (better)
2%
Top-up fee
0%
0%
Per-purchase fee
None listed
None listed
ATM
4% on Basic, 2% on Plus, 1% on Prestige
Up to $250 a withdrawal incl. the ATM surcharge, 3 attempts a day; Tuyo fee not published
Network
Visa
Visa
Card type
Debit
Spend
Custody
Self-custodial
Self-custodial
Formats
virtual, physical, metal
virtual
Apple / Google Pay
? / ?
Yes / Yes
India
Unclear
No
UAE
Yes
Yes
United States
Yes
Yes
United Kingdom
Unclear
No
EU / EEA
Unclear
Yes
Countries
Select regions worldwide
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
1 currency
3 currencies
Buy and sell crypto with fiat
Buy and sell
Buy and sell
Spend against crypto without selling
No
No
Yield on your balance
No
Yes
Tiers
Basic · Plus · Prestige
Tuyo Card
Perks
Priority Pass lounges on Plus and Prestige · Welcome offer: 5% on your first $500 · 2 airport lounge visits a year · 8 airport lounge visits a year · Metal card
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, Tangem Pay or Tuyo Card?

Tangem Pay scores higher on the G2M score: 62/100 against 61/100 (#15 and #17 of 26 cards). Pick Tangem Pay for cashback and 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, Tangem Pay or Tuyo Card?

Neither card has an annual fee. Tangem Pay charges less on foreign currency: a 1.5% FX fee against 2%.

Which pays more cashback, Tangem Pay or Tuyo Card?

Tangem Pay pays 1% cashback on its entry tier; Tuyo Card does not publish a rate. Higher tiers go up to 4% on Tangem Pay.

Which works in more countries, Tangem Pay or Tuyo Card?

Tuyo Card is confirmed in more countries: 216 against 50, though neither publishes a full list. Of the markets we check for every card, only Tuyo Card is confirmed in EU / EEA.

Who holds my funds with Tangem Pay 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.