Lava Card vs Zoomex Card
Lava CardLower cost at your spend, more cashback, cheaper abroad.
Zoomex CardCash-out to a bank.
Side by side
Money
SourceLava Card terms, International · checked November 10SourceUR help center, UR Mastercard Debit Card (03.11.2026) · checked November 10- A year at $500/mo
- Earn/yr★
- Costs/yr
- Cashback a year
- +$180★
- None
- Cashback rate
- 1–5% in BTC
- 1% promo (end date unclear)
- Paying in another currency
- 0% FX fee, no spread★
- 0–2%
- Cash withdrawal
- 2%, min $1
- No ATM (virtual only)
Getting it
SourceLava Card terms, International · checked November 10SourceUR help center, opening a personal account (23.10.2026) · checked November 10- For residents of
- 232 countries★
- 18 countries
- ID from another country
- Not published
- Not for citizens of 9 countries, wherever they live
- ID accepted
- Not published: Lava may ask for 'additional documents that are acceptable to us'; approval needed
- 18+, government ID, not a US person, not domiciled in a UR-unsupported country and not in a Zoomex-excluded jurisdiction
- Sign-up
- Lava account + ID check
- Zoomex account + UR account with ID check
- Cash out to a bank
- No
- Yes★
Using it
SourceLava FAQ, where the card is available · checked November 10SourceUR help center, UR Mastercard Debit Card (03.11.2026) · checked November 10- Pays in
- Anywhere Visa works (150M+ merchants, 150+ countries); some merchant categories earn no rewards
- Anywhere Mastercard works
- Spending per day
- Not published
- Not published
- Apple / Google Pay
- No
- Network
- VISA
- Mastercard
★ marks the better value where there is one. Estimate for everyday spending: most of it in your local currency, topping up with crypto. How we calculate. Every fact with its own source is on the card pages: Lava Card, Zoomex Card.
