Monetiro231 services on the ledger · last checked September 12, 2026
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Cards for ad spend
ABcard

ABcard

Visa · MCsince 2022Solo buyerTeamAgency
Asks for a documentIssues reported

Before you go. Readers have reported problems with this service.

ABcard, formerly AnyBill, is a Gibraltar-addressed virtual-card platform for affiliate and media-buying teams: one balance, several “BIN accounts” sourced from different bank providers, and a transit account used to route money between them without paying inter-bank transfer fees. Roles, per-buyer analytics and per-card spend limits make it a team tool rather than a personal card. It is also the platform whose BIN account 1 froze when its issuer, Guavapay, was restricted and then liquidated, and that freeze is still shipping in the live app.

Total, per $100 of ad spend: not published

Neither the balance top-up nor the card top-up is published, so there is no figure to give.

Open abcard.ioNot a paid link: we earn nothing either way.

Who it is for

Media-buying teams that need shared balances and roles and are willing to price in the counterparty risk of an unregulated provider with an unresolved issuer freeze.

Whether to take ABcard

In its favour

  • One shared balance funds every card, and a transit account moves money between the provider’s separate BIN accounts, so cash is not stranded on individual cards.
  • The site states unlimited card issuance and unlimited spending, with total, monthly, weekly and daily caps set per card in the dashboard.
  • 3DS, Meta Pay and Google codes go to an e-mail address assigned per card and reassignable later, so a card can be handed to a buyer without sharing a phone number.
  • Team structure is built into the product: invites, owner/team lead/buyer roles, and real-time analytics per employee, department or company.
  • The advertising platforms are named in the Terms rather than in marketing copy: Google, Facebook, Instagram, YouTube, TikTok, Snapchat, VK, X, LinkedIn and Pinterest.
  • Deposits in USDT (ERC20 and TRC20) and USDC (ERC20) alongside SEPA and SWIFT in euro and dollars — the list is confirmed in the provider’s own shipped application code, not only in marketing.

Against it

  • The issuer behind BIN account 1, Guavapay Limited (MyGuava), agreed an FCA restriction on 17 September 2025 and entered compulsory liquidation on 21 January 2026; the vc.ru/Partneroff investigation of February 2026 reports that large numbers of ABcard clients still could not withdraw the money held there, and the application bundle fetched on 12 August 2026 still hard-codes the message “BIN’s account 1 transfers are currently unavailable”.
  • No pricing page exists anywhere on the nine-page site. Issuance, monthly maintenance, transaction, cross-border, low-value and FX fees are dynamic per-BIN values visible only after registration, and the top-up commission is a per-client volume tier set in the back office or in a side letter, so the real cost is unknown until the $150 first deposit is already paid.
  • Trustpilot sits at 2.9 out of 5 across 22 reviews, with reviewers describing money taken and support that stops answering (“They stole $400 from me”, “be prepared to say goodbye to your money”); the fb-killa vendor thread describes a withdrawal date pushed back repeatedly over three weeks.
  • The Terms let ABcard freeze balances in whole or in part, disable cards, limit withdrawals and close accounts “with or without prior notice”, disclaim liability for the resulting losses, forfeit any funds left unclaimed for two years after closure and require a rolling reserve; the in-app crypto deposit screen additionally warns that funds can be blocked outright.
  • The Terms state that ABcard “does not execute payment transactions and does not provide regulated payment or financial services”, name no legal entity or registration number behind the Gibraltar address, never name the bank providers that issue the cards, and disclaim continuity of any card program, BIN sponsorship or issuer relationship.
  • Rules shipped in the admin panel close cards automatically when a card’s link limit is exceeded while the client’s total top-up volume sits below a threshold the provider does not publish, so a low-volume account can lose cards without notice.
  • No BIN list or issuing country is published; third-party reviews disagree with each other on the geography. There is also no blog, FAQ, documentation, status page or public API reference, and support runs through a Telegram bot.
  • Getting money back out is a manual request, not a button: the dashboard’s own “Withdrawal” control is just a tooltip reading “For withdrawal request please contact our managers at @ABcard_bot”, the Terms turn a withdrawal into a “Request for withdrawal” submitted through the site, and no minimum, fee or processing time for it is published anywhere.

What ABcard charges

Minimum top-up$150

Not published: balance top-up, card top-up, per transaction, outside the card's currency, to issue a card, monthly, per declined payment.

ABcard publishes no price list at all: the site has nine pages and none of them is pricing, and the Terms define fees as those “specified on the Website (in your Account) or in a side letter entered into between you and us”. The only figure the provider states publicly is the $150 first deposit, repeated in the English, Russian and Ukrainian meta descriptions. Everything else — card issuance, monthly maintenance, transaction fee, transborder fee, low-value transactions under $50 and FX conversion — is a dynamic per-BIN value rendered inside the dashboard, and the top-up commission is a per-client volume tier agreed after registration. Third-party reviews quote 3–4.5% on top-ups and a decline grid that costs nothing below a 3% seven-day decline rate; a third-party catalogue lists $0.30 card issuance and $0.05 monthly maintenance. None of those numbers appears on any ABcard surface, so none is recorded in the fee fields above.

The platforms it names

ABcard names 8 platforms it is built for. A service is listed under a platform only where it says so itself — not where a review says it for them.

  • Meta Ads
  • Google Ads
  • TikTok Ads
  • Snapchat
  • X Ads
  • LinkedIn
  • Pinterest
  • VK Ads

How it works

BINsNot published
CardsUnlimited
3D SecureEmail
Getting inDeposit to open

Where ABcard contradicts itself

3 places where the provider's own pages disagree with each other. Nothing here is our judgement — each line quotes both sides.

  • The site advertises “free card issuance” and “you pay only for a top up, everything else is free”, while the provider’s own dashboard renders per-BIN fields for card issuance fee, monthly maintenance, transaction fee, transborder fee, low-value transaction fee under $50 and FX conversion — so no issuance or monthly figure is recorded here.
  • The Terms define KYC as identity documents supplied at registration, let ABcard request further documents and “refuse registration at its own discretion” and allow enhanced KYC/AML and source-of-funds checks, while third-party reviews sell the service as requiring no KYC and the site itself makes no KYC statement in either direction.
  • The public headline sells “virtual cards for anything — debit and credit cards for teams and individuals”, while the Terms restrict authorised use to the advertising platforms listed in Exhibit A, a restriction stated nowhere on the marketing pages.

How we checked

Every figure on this page was read off abcard.io on 12 August 2026. Where ABcard publishes nothing, this page prints a dash rather than an estimate.

Open abcard.ioNot a paid link: we earn nothing either way.