What ether.fi Cash charged on 185 real purchases
This test is about fees. We wanted to know what ether.fi Cash actually takes when you pay with it, especially in other currencies, including costs that never appear on its fee page. So we checked every purchase on our own ether.fi Cash card, 21 Jun 2026 to 30 Sep 2026, against the mid-market rate, and put what we paid next to the advertised fees and the cashback we received.
Non-USD purchases, on Pinnacle, against the mid-market rate.
Advertised fees, what we paid, and cashback
On Pinnacle
1 Aug 2026 to 30 Sep 2026 · 73 non-USD purchases
0.32% more than the advertised fees.
Cashback minus what we paid: +1.68% of spend (3% on every purchase: all inside Pinnacle's 3% band).
On Core
21 Jun 2026 to 31 Jul 2026 · 112 AUD purchases
0.20% more than the advertised fees.
Cashback minus what we paid: +0.16% of spend (3% on the first $2,000 of spend each month, less above that).
By currency
On Pinnacle
1 Aug 2026 to 30 Sep 2026 · 73 purchases
| Currency | Purchases | Typical cost | Middle half |
|---|---|---|---|
| AUD | 68 | 1.32% | 1.15% to 1.43% |
| JPY | 5 | 1.26% | 1.06% to 1.53% |
On Core
21 Jun 2026 to 31 Jul 2026 · 112 purchases
| Currency | Purchases | Typical cost | Middle half |
|---|---|---|---|
| AUD | 112 | 1.70% | 1.56% to 1.81% |
How we worked it out
We check every purchase against that day's mid-market rate (the real exchange rate, with no markup) and report the typical cost in each currency. Every card gets at least a week of regular spending on the card first. How we test
- Each tier has its own FX fee, so we split the results at the start of August, when our account moved from Core to Pinnacle.
- On both tiers the measured cost is the tier's fee plus about 0.2% to 0.3% for Visa's exchange rate.
- There were no USD or EUR purchases in the test, so the 0% on those currencies comes from ether.fi's published terms.
The rankings use each tier's published fee plus 0.3% for Visa's exchange rate: 1.8% on Core and 1.3% on Pinnacle, in line with what we measured.
ether.fi Cash
Plans, every fee and what it pays back at your spend are on the card's page.
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More cards are being tested every week. See all our tests.
General information only. These figures are calculated from the spend you enter and the card terms we've collected. We haven't considered your objectives, financial situation or needs, and this isn't a recommendation. Consider whether a card suits you and read the provider's terms before applying. Figures are estimates, terms change, and crypto is volatile.