In this article I will identify the best alternatives to the Paysera Crypto Card that also offer flexible, safe and innovative financial services.
These alternatives offer low-cost international money transfers, access to crypto, multi-currency accounts and services for individuals and businesses.
If you need quick payments, handy cards and basic crypto services, there are numerous options that can fully substitute the Paysera Crypto Card.
Key Points & Paysera Crypto Card Alternatives
| Alternative | Key Point |
|---|---|
| Wise (formerly TransferWise) | Low-cost international transfers with transparent exchange rates |
| Payoneer | Global payment platform widely used by freelancers and businesses |
| Revolut | Multi-currency accounts with crypto trading and debit card support |
| Skrill | Digital wallet offering crypto buying and prepaid cards |
| PayPal | Mainstream payments with crypto purchase and spending options |
| Corpay Cross-Border | Business-focused transfers for international payments |
| Cash App | Peer-to-peer payments with Bitcoin integration |
| Strike.me | Lightning Network payments enabling instant Bitcoin transfers |
| N26 | Mobile-first bank with integrated card and crypto features |
| Vivid | European fintech app combining banking, investing, and crypto |
10 Paysera Crypto Card Alternatives
1. Wise (formerly TransferWise)
Wise (previously TransferWise) is a good alternative to the Paysera Crypto Card as it takes into consideration international payments and costly currency exchanges rather than focusing on crypto.
It is then also a better option than Paysera as it aids in international payments (i.e. payment methods) and not solely on crypto.
Wise is also better than Paysera as it has international payments and services at a lower predictability than Paysera. Wise also offers multi-currency accounts and debit cards usable in most countries.
Wise is a better choice than Paysera as it has a lower cost for international services (i.e. payments) and is more predictable.
Wise (formerly TransferWise) Features
- Multi-currency accounts: Keep and control accounts in over 50 currencies for easy global payments.
- Affordable payments: Get and send payments across borders with little to no fees utilizing the real average market rates.
- Borderless debit card: Spend money anywhere in the world without any hidden fees in currency conversion.
- Real-time tracking: Quick and transparent payments with notifications and complete payment tracking.
| Pros | Cons |
|---|---|
| Transparent mid-market exchange rates with low fees. | Limited direct crypto support. |
| Multi-currency account for easy global transfers. | No traditional bank account features like loans. |
| Fast international payments compared to banks. | Physical card availability may vary by country. |
| User-friendly app and real-time tracking of transfers. | Limited cashback or rewards options. |
2. Payoneer
An alternative to the Paysera Crypto Card is Payoneer, which is a service catered to worldwide professionals and businesses who accept cross-border transactions.
Payoneer’s main selling point is its ability to help customers acquire money from different regions through local receiving accounts and spend the money using a prepaid card or a bank transfer.
Although crypto transactions aren’t Payoneer’s main focus, it still caters to customers who want dependable cross-border transactions, marketplace integrations, and varied access to their funds. Overall, it is a good choice for managing international finances.
Payoneer Features
- Global receiving accounts: Get payments from different countries, and provide the ability to receive payment like you have local bank accounts.
- Prepaid Mastercard: Spend and access money anywhere in the world from your Payoneer account.
- Marketplace integration: Syncs with freelance marketplaces and e-commerce platforms for seamless payments.
- Currency Conversion: Move money across different currencies and pay low rates for cross-border transactions
| Pros | Cons |
|---|---|
| Supports receiving payments from multiple countries. | Not focused on cryptocurrency use. |
| Prepaid card for withdrawals and spending worldwide. | Some fees for currency conversion and withdrawals. |
| Integrates with marketplaces and freelance platforms. | Account approval can be strict for new users. |
| Reliable for cross-border business payments. | Limited budgeting or personal finance tools. |
3. Revolut
Due to its integration of digital banking, card payments, and crypto exposure all within one platform, Revolut is a leading competitor to Paysera’s Crypto Card.
What separates Revolut from its competitors is the integration of money management with the ability to buy, sell, and hold cryptocurrency from within the app.
Customers have the ability to spend money anywhere in the world, with favorable rates, and can alternate between fiat and crypto balances.
All of these features combined is what makes Revolut ideal for individuals who seek uncomplicated spending and possession of cryptocurrencies without depending on a crypto card provider.
Revolut Features
- Multi-currency wallets: Keep over 30 currencies, swap, and spend from the app.
- Cryptocurrency and stocks: Directly buy, sell, and hold cryptocurrencies and stocks within the app.
- Instant notifications: Real-time notifications on spending, payments, and account activities.
- Budgeting and analytics: Monitor spending, set goals, and make financial plans from the app.
| Pros | Cons |
|---|---|
| Combines traditional banking and crypto access. | Free crypto trading has limits; paid plans required for higher limits. |
| Competitive exchange rates for global spending. | Some features restricted by region. |
| Multi-currency accounts and instant notifications. | Customer support can be slow at times. |
| In-app budgeting and financial management tools. | Fees for weekend FX trading. |
4. Skrill
Skrill can be considered a viable alternative to Paysera because it integrates digital payments, card services, and access to cryptocurrencies in one place.
Its most unique feature is probably the ability to freely switch between a regular currency balance and a supported cryptocurrency balance and then even spend those with a prepaid card.
Skrill has global reach, is fast, and can satisfy the need for basic cryptocurrency services along with flexible spend options without the need for a dedicated crypto card.
Skrill Features
- Digital wallet: Keep various currencies in one place and make online transactions seamlessly.
- Prepaid card: Use your Skrill balance to make purchases online or in-store without having to link your bank account.
- Crypto access: Buy, sell, and hold cryptocurrencies that are supported in the app.
- Fast international transfers: Send and receive money with very little wait time, maybe even instantly.
| Pros | Cons |
|---|---|
| Instant transfers between fiat and crypto. | Limited physical card acceptance in some regions. |
| Prepaid card for online and offline spending. | High fees for some international transfers. |
| Widely accepted for online payments and gambling platforms. | Crypto features less advanced than dedicated wallets. |
| Supports multiple currencies and accounts. | Account verification can be slow. |
5. PayPal
PayPal is accepted almost anywhere that you can use your Paysera Crypto Card. It is accepted globally. It is one of the few accounts where you can buy and sell crypto with the click of one button.
PayPal also has a crypto wallet and other online payment services that let you store money digitally and securely.
It is not the best crypto card available, but because most people already use PayPal, it is a secure and reliable way to use crypto for everyday purchases along with other online payment services.
It is good for people that want a secure and reliable crypto card but want to use it mainly for everyday purchases.
PayPal Features
- Merchant acceptance: Use PayPal at millions of online stores worldwide.
- Peer-to-peer payments: Instantly send or receive money with just the recipient’s email or phone number.
- Cryptocurrency access: Within the app, you can trade cryptocurrencies.
- Secure transactions: Paypal’s buyer and fraud protection secure your online purchases.
| Pros | Cons |
|---|---|
| Globally accepted by millions of merchants. | Limited crypto options (buy/sell only). |
| Simple in-app money management. | Higher fees for international transfers. |
| Secure and trusted platform. | Some account limitations for business users. |
| Supports peer-to-peer payments instantly. | Cannot spend crypto directly in stores. |
6. Corpay Cross-Border
Corpay Cross-Border specializes in foreign exchange and cross-border payments, offering an alternative to the Paysera Crypto Card.
They enable both businesses and individuals to manage multiple currencies and make fast and transparent money transfers globally.
They stand out in the market for their cross-border payments expertise, as they offer access to over 200 countries and 145 currencies, payment tracking, and foreign exchange services.
They focus on international money transfers and payment services while a crypto card would focus on international payments and crypto-linked payments.
Corpay Cross-Border Features
- Global payment coverage: Spend or receive payments in over 145 currencies and 200 countries.
- Payment oriented: Cross-border payments for businesses are designed specifically for corporates.
- Competitive FX rates: Currency conversion at competitive rates with no surprises.
- Payment tracking: Get control over your payments by tracking them in real-time.
| Pros | Cons |
|---|---|
| Deep expertise in cross-border payments. | Geared mainly toward businesses, not individual users. |
| Supports 200+ countries and 145+ currencies. | No direct crypto spending card. |
| Competitive FX rates and real-time tracking. | Limited consumer-focused features. |
| Transparent fees and fast transfers. | Higher minimum transfer requirements for some users. |
7. Cash App
Cash App is a good alternative to Paysera Crypto Card as it integrates features like daily transaction options, a debit card, and crypto.
The best part is users can buy and sell Bitcoin in the app. Cash App gives users the ability to spend their cash, receive P2P (peer-to-peer) payments,
or use the Cash Card and convert their cash to crypto. It is ideal for users who want a seamless, fast, and straightforward way to access crypto.
Cash App Features
- Peer-to-peer payments: Send and receive money instantly with a few taps on your phone.
- Cash Card: Gets you a prepaid debit card that’s linked to your balance on Cash App for spending.
- Bitcoin integration: Allows users to send, receive, and conduct transactions in Bitcoin.
- Bank account interoperability: Users can link external bank accounts and transfer funds without hassle.
| Pros | Cons |
|---|---|
| Peer-to-peer payments and Bitcoin buying in one app. | Limited international availability (mainly U.S. and UK). |
| Instant access to received funds with Cash Card. | No advanced crypto trading options. |
| Easy integration with bank accounts. | Customer support can be slow. |
| Simple, user-friendly interface. | Limited multi-currency support. |
8. Strike.me
Strike.me stands out as Paysera Crypto Card alternative due to its ability to simplify international payments and money transfers powered by the Bitcoin Lightning Network.
What separates Scike.me from the rest are its instant, cross border transfers that are fast and affordable with no banking intermedaries.
While most competitors are focused on prepaid cards, Strike.me enables uder tinsend, receive and spend money globally at minimal costs, making it perfect for consumers looking for simple and instant global transactions.
Strike.me Features
- Payments via Lightning Network: Users can send and receive Bitcoin anywhere in the world at reduced fees.
- Transfers without borders: Users can send and receive funds in real-time without using a bank.
- Lower fees: Sending funds internationally at low fees is better than traditional bank services.
- Easy to use: The platform’s main focus is to enhance user experience and provide expedited payment services.
| Pros | Cons |
|---|---|
| Instant, low-fee cross-border payments via Lightning Network. | Focused on Bitcoin; limited support for other cryptocurrencies. |
| Minimal banking friction for international transfers. | Limited traditional card spending features. |
| Global accessibility with near-instant settlement. | Not suitable for daily fiat banking needs. |
| Transparent fees and fast transaction tracking. | Smaller user base than major banks and apps. |
9. N26
N26 stands out because, apart from offering an alternative to the Paysera Crypto Card, the company provides a fully digital account, a debit card, and an easy to use budget management tool.
Unlike competitors, N26 have a mobile first approach and offer users a truly unique experience with instant notifications, budget management tools, and a multi-currency account to make cross border transactions easier.
Although the company doesn’t offer crypto services, N26 is tailored for users who need a Paysera alternative for banking, offering cross border transactions with transparent fees and instant card payments.
N26 Features
- Banking through mobile channels: Users can receive real-time notifications and alerts, and manage their spending and saving.
- Balance in multiple currencies: Users can send and receive payments in different currencies without incurring hefty fees.
- Expense tracking and budgeting: The application provides users with the ability to categorize their spending, and offers features to help manage their funds.
- No hidden fees: Users can expect direct and transparent pricing when sending payments domestically or internationally.
| Pros | Cons |
|---|---|
| Fully digital bank with mobile-first interface. | Limited cryptocurrency features. |
| Instant notifications and budgeting tools. | Some accounts not available globally. |
| Multi-currency account for international use. | No physical branches. |
| Transparent fees and easy cross-border payments. | Limited investment options compared to Vivid or Revolut. |
10. Vivid
A great alternative to the Paysera Crypto Card is Vivid, which integrates typical banking functions with investments and crypto.
Vivid stands out with the ability to spend, save, and trade stocks, ETFs, and several cryptocurrencies. All of this is available on one platform with real-time analytics.
Vivid users get rewarded with cashback, flexible spending, and multi-currency accounts. This makes it perfect for users who want an all-inclusive financial service that offers more than a conventional crypto card by adding extensive asset management and more.
Vivid Features
- Financial application ecosystem: Users can access banking services, investment services, and cryptocurrency trading, and receive cashback through a single application.
- Accounts without hidden fees: Users can hold and spend money in different currencies without incurring hidden fees.
- Additional investment services: Users can buy and sell cryptocurrencies, stocks, and ETFs through the application.
- Enhanced spending: Users can receive money back when they spend using their payment card.
| Pros | Cons |
|---|---|
| All-in-one platform: banking, investing, crypto, and cashback. | Crypto trading is basic; not for advanced traders. |
| Multi-currency accounts for global spending. | App only; no full-service bank license in some countries. |
| Real-time spending insights and rewards. | Limited support in some regions. |
| Flexible card usage with cashback benefits. | Some fees for withdrawals and premium features. |
Cocnsluion
To sum up, Wise, Payoneer, Revolut, Skrill, PayPal, Corpay Cross-Border, Cash App, Strike.me, N26, and Vivid give different options for global payment, crypto access, and multi-currency management apart from Paysera Crypto Card.
Every payment platform is unique in terms of features. Some of them offer investment options, while others have cheap costs and quick transfers, providing varied alternatives for users that want adaptable, safe, and contemporary financial instruments, excluding conventional crypto cards.
FAQ
What are the best alternatives to the Paysera Crypto Card?
Wise, Payoneer, Revolut, Skrill, PayPal, Corpay Cross-Border, Cash App, Strike.me, N26, and Vivid are top alternatives.
Can I use these alternatives for cryptocurrency?
Yes, platforms like Revolut, Skrill, PayPal, Cash App, Strike.me, and Vivid offer crypto buying, selling, or holding.
Are these alternatives suitable for international payments?
Most of them, like Wise, Payoneer, Corpay, and Revolut, support fast and low-cost cross-border transfers.
Can I get a physical card with these services?
Yes, Wise, Payoneer, Revolut, Skrill, Cash App, N26, and Vivid offer physical or virtual cards.
