Updated October 17, 2026 · DebitCue Editorial Team
ether.fi vs Fyrst
Fyrst
ether.fi
Higher score in this comparison
ether.fi vs Fyrst: the differences
| Compare | ether.fiReviewSee alternativesSee alternatives | FyrstReviewVisitVisit |
|---|---|---|
| Annual fee | $0 | €0 |
| Currency conversion fee | 0% to 0.5%Lower | 1.85% |
| Rewards type | Cashback | None |
| Perks | Global eSIM, Visa concierge, Airport lounge access, Flight and medical coverage, Baggage delay and loss protection, Auto rental coverage, Purchase and price protection, Identity theft protection, Insurance backed account balance protection up to $500,000, 1 free virtual card, Ether.fi Travel 5% cashback | Mastercard Business Bonus Program discounts at Booking.com, Rentalcars.com, HubSpot |
| Rewards rate | 3% cashback, up to $2K monthly spend (Core), paid in ETHFI | Not confirmed |
| Cashback rate | 3% | Not confirmed |
| Card kind | Credit | Not confirmed |
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Key differences
- ether.fi scores higher overall: 9.6 vs 8.9.
- Currency conversion fee is lower at ether.fi: 0% to 0.5% vs 1.85%.
- Perks: only ether.fi offers Global eSIM, Visa concierge, Airport lounge access.
- Perks: only Fyrst offers Mastercard Business Bonus Program discounts at Booking.com, Rentalcars.com, HubSpot.
- Support channels: only ether.fi offers Community.
- Support channels: only Fyrst offers Phone.
- Features: only ether.fi offers Rewards.
- Features: only Fyrst offers Multi currency.
Our verdict on each
ether.fi
ether.fi suits companies and freelancers who want a business card with no annual charge and cashback on everyday spend, plus travel extras for staff who fly. It scores 8.2 overall, and its currency costs are modest for a card aimed at spend that crosses borders.
Fyrst
Fyrst is a German business banking brand from Deutsche Bank AG, built for companies that want a Mastercard debit card with no account charge. Costs stay at €0 a month, though currency conversion of 1.85% bites on every foreign spend.
Score breakdown
| Area | ether.fi | Fyrst |
|---|---|---|
| Cost | 9.4Higher | 9.0Monthly fee of €0 is the floor, while currency conversion at 1.85% is the cost that carries the score. |
| Offer | 9.8Annual fee $0 with a 3% cashback, up to $2K monthly spend (Core), paid in ETHFI reward, the rate capped by monthly spend. | 9.9Higher |
| Trust | Not confirmed | 8.2 |
Positions in our rankings
| Ranking | ether.fi | Fyrst |
|---|---|---|
| Credit cards | 66 of 1020 | 27 of 1020 |
| Business credit cards | 8 of 92 | 6 of 92 |
Spending 1,000 abroad
ether.fi
0 to 5
0% to 0.5% of 1,000
Fyrst
18.5
1.85% of 1,000
ether.fi comes out 18.5 lower in this example.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
Every fact side by side
| Fact | ether.fi | Fyrst |
|---|---|---|
| Pricing model | No annual fee | No annual fee |
| Features | Rewards | Multi currency |
| Audience | Business | Business |
| Legal entity | Not confirmed | Deutsche Bank AG |
| Headquarters | Not confirmed | Germany |
| Founded | Not confirmed | 2019 |
| Support channels | Email, Chat, Help centre, Community | Email, Chat, Phone, Help centre |
Where each stands against the rest
| Fact | ether.fi | Fyrst | Median |
|---|---|---|---|
| Currency conversion fee | 0% to 0.5%below the median | 1.85%above the median | 1 |
| Cashback rate | 3%highest quarter | Not confirmed | 1.5% |
Median across 312 listed cards.
Pros and cons
ether.fi
Pros
- Currency conversion fees run 0% to 0.5%, against a 1% median across the site and a 1.85% median in the credit card ranking.
- Support runs on email, chat and help centre, so a service problem has chat, email, a help centre and community behind it.
- The card is aimed at business users, so it fits a company expense run rather than a personal wallet.
Cons
- Support runs on email, chat and help centre, which lists no phone line, so a blocked payment or disputed charge waits on a chat reply or an email answer.
- Currency conversion fees run 0% to 0.5%, and the top of that range sits above the 0% Varo charges and the 0% Chime charges, so a card used mainly on foreign purchases costs more to run here.
- 3% cashback, up to $2K monthly spend (Core), paid in ETHFI caps the cashback at a monthly spending ceiling on the Core tier and pays it in ETHFI, so the reward neither grows with heavy spend nor holds a fixed cash value.
Fyrst
Pros
- Monthly fee of €0 and annual fee of €0, so there is nothing to budget for simply holding the account open
- Multi-currency accounts, which suit companies that invoice customers or pay suppliers in currencies other than the euro day to day
- Support by email, chat and phone, so a phone line, live chat, email and a help centre are all listed as contact options
Cons
- Currency conversion of 1.85% sits above the site median of 1%, so foreign purchases cost more here than on most cards
- The rewards type is none, so card spending earns nothing back beyond the partner discounts listed
- Personal banking is not among its target audience (business), so the offer reaches companies and sole traders only
Who each suits
ether.fi
Who it suits
- Businesses and freelancers who put card spend through a company account, since the card is aimed at business users.
- Anyone who buys in several currencies, since conversion fees run 0% to 0.5% against a 10.5% ceiling elsewhere on the site.
- Cardholders who want cover on the balance rather than points, given the protection listed in Global eSIM, Visa concierge and Airport lounge access.
Who should look elsewhere
- Not people who need free currency conversion: Varo charges 0%, so foreign-heavy spend costs less there.
- Not people rebuilding a credit record from scratch: Chime Card (Secured Visa Credit Card) is a secured card, while ether.fi is aimed at business users and pays cashback.
- Not shoppers choosing on the annual fee: Wise also has no annual fee at £0, so the case here rests on the reward and the protection bundle.
Fyrst
Who it suits
- Sole traders and limited companies that invoice customers or pay suppliers in euros and in other currencies at the same time
- Businesses that simply want a Mastercard debit card and no annual charge on the account they run every day
- Teams that keep company spending split across several currency balances inside a single business account
Who should look elsewhere
- Anyone chasing cashback or points on spending, since the rewards type is none and a rewards-led card such as Varo Believe Secured Credit Card fits that goal better
- Businesses that pay most bills in sterling or dollars, because currency conversion of 1.85% applies to foreign spend and Wise is set up for lighter conversion costs
- Anyone who wants a credit card, since the card type is debit and Chime Card (Secured Visa Credit Card) sits on the other side
Country by country
| Country | ether.fi | Fyrst |
|---|---|---|
| Germany | No | Yes |
| United States | Yes | No |
Questions about each
ether.fi
What does the card cost to keep open?+
There is no annual charge: the fee is $0, and ether.fi runs a no annual fee model rather than a paid subscription tier. For a card that sits in a company wallet, that removes the yearly renewal decision entirely, and the running cost becomes the reward rate rather than a fee to budget for.
What does it cost to spend in another currency?+
Currency conversion fees run 0% to 0.5%, so most conversions are cheap while the top of that range is not free. If your business pays foreign suppliers regularly, compare it with Varo at 0% and Chime at 0%, which both hold currency at no charge.
Fyrst
How much does a Fyrst account cost each month?+
The monthly fee is €0 and the annual fee is €0, so holding the account costs nothing. That matches the site median of €0, and Fyrst ranks 1 of 419 brands on monthly fee.
What does Fyrst charge to convert currency?+
Conversion costs 1.85% on foreign spend. That is above the debit card median of 1% and below the 2.5% mark, so euro spending stays cheapest and other currencies add up quickly.
Other options to compare
Other matchups
Fyrst
ether.fi