Monetiro231 services on the ledger · last checked September 12, 2026
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≥$4.00/$100
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Cards for ad spend
Spendge

Spendge

Visa · MCsince 2021Solo buyerTeamAgency
Asks for a light checkOperational

Spendge is a virtual-card issuer built around media buying: cards are funded from a shared USDT balance, issued in bulk against BINs in the UK, Ireland, Estonia and the United States, and restricted by design to advertising and digital-marketing merchants. Its distinguishing piece is the Card Wizard, a filter that narrows the BIN list by merchant, account country and 3DS availability before issue, with a Recommended set — the BIN cannot be changed afterwards. Alongside the self-serve individual and team accounts there is a separate corporate product for EU companies that requires full KYB and SEPA funding.

Total, per $100 of ad spend: ≥$4.00per $100 of ad spend

At least one component of the price is not published, so the real figure can only be higher.

Open spendge.comNot a paid link: we earn nothing either way.

Who it is for

Media-buying teams that fund in USDT and need per-member budgets, dashboard 3DS and an API, and that can live with an issuer which names no legal entity.

Whether to take Spendge

In its favour

  • Both legs of the top-up are published, not just the attractive one: 1% plus 2 USDT to bring crypto into the wallet, 3% to move that balance onto a card, stated all-in by the help centre as 2 USDT + 4%.
  • Issuing countries are visible without an account — the UK, Ireland, Estonia and the United States — and the help centre publishes the billing address behind the UK, Irish and Estonian BINs.
  • 3DS codes appear in the dashboard under Cards > 3DS Codes instead of being sent to a phone number nobody on the team controls, 3DS can be switched on or off per card, and the codes are exposed over the API.
  • Unlimited issuance from a shared card account, with balance isolation on an individual card, per-transaction, daily and monthly limits, and MCC filters.
  • The team layer is worked out rather than announced: the admin creates member logins, allocates a budget per member, grants a quota of card slots, approves or declines requests for more cards or funds in a queue, and exports transactions, fund movements and card usage for any period.
  • Advertising cards carry no percentage fee on payments above 30 EUR, and a card put into Blocked status stops accruing the 5 EUR monthly maintenance charge.

Against it

  • The rates page headlines "1% fee for crypto top-ups" and a 0% bank transfer, which is only the first leg; the help-centre table puts the real cost of getting money onto a card at 2 USDT + 4% for crypto and 3% for a wire.
  • No legal entity, licence or issuing bank is named anywhere. The privacy policy says only that the company is "based in the Ukraine" with servers in France, there is no cardholder agreement at all, and the terms of use are a generic US template last updated 4 October 2022 that still contains the unfilled placeholder "[name of county] County, [name of state]".
  • Every headline fee table and the entire BIN table in the help centre are PNG screenshots dated between October 2023 and January 2024, with no effective date on the page, so current pricing cannot be dated or compared against an earlier version.
  • Declines are billed: 0.44 to 0.87 in the card's currency plus 1% of the attempted amount depending on BIN, with the same charge for a credit-limit rejection and for an attempt on a blocked card — and once the card account goes negative, every further transaction is declined.
  • A crypto deposit below the 300 USDT minimum "will not be deposited" according to the dashboard warning, with no stated route to recover it, and the terms reserve the right to delete an account "at any time, without warning, in our sole discretion" without publishing what happens to the balance.
  • The independent evidence base is thin and commercially conflicted: Trustpilot holds 7 reviews at 3.9/5, while the site displays Trustpilot-branded testimonials from more than ten named reviewers, and most remaining coverage is affiliate media running Spendge promo codes. Partnerkin reviewers report support answering one message out of three with a long delay, and 5 EUR of maintenance debited from a balance without the user noticing.
  • Spend is confined to a merchant whitelist — anything Spendge does not classify as advertising or digital marketing is declined and has to be added by support — and the restricted-GEO list also covers Crimea, while cards for Ukraine are issued but do not work with local merchants.
  • Getting money back out is a chain of charged hops rather than one withdrawal: block the cards, 0.5% to move the card account balance to the fiat wallet, then 0.5% by wire or 0.3% + 2 USDT in crypto, and 1.5% if the wire leaves from the crypto wallet — and every payout is filed as a request that Spendge processes, with no minimum amount and no processing time published anywhere.

What Spendge charges

Balance top-up1%
Card top-up3%
Per transactionFree
To issue a card$5
Monthly$5
Per declined payment$0.50
Minimum top-up$300

Not published: outside the card's currency.

Card issue and monthly maintenance are 5 EUR each, and the tariff is quoted in euro rather than dollars. The rates page states "1% fee for crypto top-ups, 3% for Card Account replenishment" and a 0% bank transfer; the help-centre table gives the all-in as "2 USDT + 4%" for crypto and 3% for a wire, because the deposit fee and the card-loading fee sit on separate legs. A cheaper tariff exists — 1 EUR per card, 1% + 2 USDT on deposits, 1.3% to load a card, 0 EUR by wire — but it is described as an exclusive selection for spenders of 1,000,000 EUR per month, so a new account cannot reach it. The minimum top-up is 300 USDT, credited in about 15 minutes; a crypto invoice sent to a third-party payer has a lower 50 USDT floor and stays live for 48 hours. Declines cost 0.44 to 0.87 in the card's currency plus 1% of the attempted amount depending on BIN, which is 0.50 USD + 1% on the US and Irish BINs and on personal cards; payments under 30 EUR carry a 0.3 to 0.87 minimum-transaction fee, and above 30 EUR there is no additional per-transaction fee on advertising cards. Personal cards add 0.55 USD per successful payment, 0.72 USD per reversal and 30 USD per chargeback. Withdrawals are 0.3% + 2 USDT in crypto, 0.5% by wire from the fiat wallet and 1.5% by wire from the crypto wallet. No FX markup is published anywhere: conversions in the Transfer Master are quoted at a rate "fixed for 3 minutes" and the spread is never stated, so the cost of every currency change is undisclosed. All of the above comes from PNG screenshots in the help centre dated October 2023 to January 2024, not from dated text.

The platforms it names

Spendge names 10 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
  • Microsoft Ads
  • X Ads
  • LinkedIn
  • Pinterest
  • Apple Search Ads
  • Taboola
  • Outbrain

How it works

BINsGB, IE, EE +1
CardsUnlimited
3D SecureIn dashboard
Getting inDeposit to open

Where Spendge contradicts itself

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

  • The BIN count is stated three different ways: the virtual-cards page says "Spendge provides 24 BINs", the provider's Telegram post about the API says 30, and the fee table in the help centre lists eight.
  • The virtual-cards page names Hong Kong as an issuing country, while the published BIN table, the billing-address page and the provider's own Telegram post ("4 различных ГЕО") cover only the UK, Ireland, Estonia and the United States.
  • The rates page advertises "1% fee for crypto top-ups" and "Make international bank transfers with a 0% fee!", while the help-centre fee table states the all-in cost of moving money onto a card as "2 USDT + 4%" for crypto and 3% for a bank transfer.
  • The help centre sells "Fully Anonymous" cards and the site markets complete anonymity, but in July 2022 the provider announced that from 8 August 2022 it would serve only users verified through Veriff, and that announcement has never been publicly withdrawn.
  • The single-transaction ceiling is 20,000 USD/EUR/GBP in the help centre, 50,000 USD on the personal-cards page and "up to 500,000 EUR per transaction" on the business page.
  • The privacy policy says "We are based in the Ukraine and our servers are located in the France", while the terms of use are a United States template stating the site is hosted in the US and imposing AAA arbitration; no company name, number or registered address appears anywhere.

How we checked

Every figure on this page was read off spendge.com on 12 August 2026. Where Spendge publishes nothing, this page prints a dash rather than an estimate.

Open spendge.comNot a paid link: we earn nothing either way.