Monetiro231 services on the ledger · last checked September 12, 2026
ENRU
≥$1.50/$100
Who forTake it?CostsPlatformsHow it worksContradictionsHow we checked
Cards for ad spend
Zambulay

Zambulay

Visa · MCSolo buyerTeamAgency
No KYCIssues reported

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

Zambulay is a Russian-first virtual-card service for affiliate teams and media buyers: Visa and Mastercard on UK, Estonian and US partner-bank BINs, funded only by USDT on TRC-20, with a team account that carries roles and per-member spend tracking. What separates it from the rest of the category is that it also sells money — credit lines of $5,000 to $300,000 for up to 120 days aimed at scaling ad spend, and USDT deposits paying 16% or 19% a year depending on which of its own pages is open. Neither of those products names a licence or a regulator, and the footer of every page denies that the site is a financial counterparty at all.

Total, per $100 of ad spend: ≥$1.50per $100 of ad spend

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

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

Who it is for

Russian-speaking arbitrage teams that can absorb a partner-bank closure every few weeks and price in a 7% exit fee — not a place to park a balance.

Whether to take Zambulay

In its favour

  • The one real price list — the Terms of Service PDF, edition of 1 July 2026 — is itemised to the cent: 0.5% to fund the account, $0 card maintenance, from $0.50 per declined payment, from $0.10 per card authorisation, from $0.05 per 3DS request, from 1% currency conversion and 1% to 2% cross-border.
  • Card maintenance is stated as free for every card, with no monthly per-card charge and no plan subscription.
  • Funding has no ambiguity: USDT on TRC-20 and nothing else, into one account balance that feeds every card.
  • Visa and Mastercard on partner-bank BINs from three named issuing countries — the United Kingdom, Estonia and the United States — and Apple Pay or Google Pay work on BINs marked as compatible.
  • The client portal carries a real team layer: one organisation account with distributed access rights, added colleagues, assigned roles, and spend tracking per member and for the whole team.
  • Registration is self-serve and consists of an email, a Telegram handle and a password — no documents, no invite code, no referral, and no minimum deposit stated anywhere.

Against it

  • The provider prices the same product two ways: the homepage says issuance "from $3" and card top-up "from 1.5%", the Terms of Service PDF says "from $5" and 3%, and the same homepage block repeats 3% two paragraphs below its own 1.5% — so both fields are recorded here as not published. The public pricing and FAQ pages render a heading and nothing else, and the only working schedule is a PDF linked from inside the signup form.
  • Fees are charged per event rather than per payment: from $0.50 on every successful payment, from $0.10 per card authorisation and from $0.05 per 3DS request, and the terms add that these may be charged regardless of the transaction outcome once the request has reached the partner bank, the payment system or the 3DS system.
  • Getting money out costs 7% to a crypto wallet — the largest single line in the schedule, and one the homepage's "funds withdrawn within 2 days" promise never mentions. A card left unused for more than three months is charged $9.99, and closing a card does not delete its details at the merchant, so recurring charge attempts keep arriving and each decline can be billed from $0.50 against a 10% decline ceiling.
  • Partner banks fail repeatedly. The provider's own Telegram channel announced seven closures, freezes and outages between September 2025 and May 2026, several ending "previously issued cards will also stop working"; it stated each time that balances were returned to the account and reissue fees credited, but the cadence is roughly one incident every six weeks.
  • The offer lets Zambulay restrict access to a user's funds "until explanations and documents confirming the legality of the activity are received", and lets it debit the balance for overdrafts, fines and penalties raised by the partner bank; the same document states Zambulay is not the card issuer and does not compensate refunded amounts from its own funds.
  • Loss complaints exist and were never resolved: an fb-killa thread titled "Zambulay — scammers, be careful" has one user reporting over $1,000 lost after a paid-for card failed and the replacement never came, a second reporting more than $2,000 blocked, and a May 2026 poster on the same forum describing cards the service could not top up; Zambulay replied in-thread accusing the first complainant of substituting transactions.
  • Nothing behind the brand survives a check: no named team, no licence, and the only company named is BUL LTD (08131400), a 2012 UK registration whose stated line of business is "unlicensed restaurants and cafes", carrying an overdue confirmation statement. The footer of every page states the site is not a bank, credit institution or financial intermediary and works "solely as an information and scoring/comparison service", while the same site solicits USDT deposits of $5,000 to $300,000 at up to 19% a year; the homepage advertises a "5.0 verified Trustpilot rating" against an actual 4.1 from 10 reviews, and all 16 reviews on Partnerkin are scored an identical 8/8/8/8, two of them the same text with the card price changed.
  • Whole verticals are off the table and nothing at the entry point says so: the service terms list gambling, online betting including horse and dog racing, gaming halls and slot machines, casinos, state lotteries, dating services, escort services, tobacco, vapes and e-cigarettes, firearms, financial institutions, precious metals and jewellery and direct marketing as restricted categories, and clause 5.1 of the offer adds brokerage and derivatives trading, lending, debt collection and MLM, pornographic content and first-bill trial abuse; the cards cannot send or receive transfers either, only pay merchants. No fine is quoted for crossing the line — the stated answer is restricted issuance, forced closure of live cards and a hold on the balance until documents arrive — and the only live channel is a Telegram chat open 10:00 to 19:00 Moscow time, Monday to Friday, under a homepage heading that calls it "instant support".

What Zambulay charges

Balance top-up0.5%
Outside the card's currency1%
MonthlyFree
Per declined payment$0.50

Not published: card top-up, per transaction, to issue a card, minimum top-up.

There is no working pricing page: the public tariff and FAQ pages render a heading and nothing else, and the real schedule is the Terms of Service PDF (edition of 1 July 2026) reachable from the signup form. It prices account top-up at 0.5%, card maintenance at $0, issuance "from $5" and set individually per BIN, card top-up from the account balance at 3%, declined payments from $0.50 with a maximum of 10% declines per card, successful payments from $0.50, card authorisation from $0.10, 3DS authorisation from $0.05, currency conversion from 1%, cross-border payments 1% to 2%, an inactivity charge of $9.99 after three unused months, and 7% to withdraw to a crypto wallet. The homepage prices two of those lines differently — issuance "from $3" and card top-up "from 1.5%" — so issuance and card top-up are recorded here as not published; the UK BIN and the Apple Pay / Google Pay cards are quoted at $20 issuance, and Telegram posts quoted 2.5% card top-up on those BINs. The cost of putting a dollar onto a card is therefore the account fee plus the card fee, not the 0.5% the homepage leads with. No minimum deposit appears in either PDF or on any page; an affiliate catalogue quotes $50 and a user review quotes $100, neither of them the provider. Credit lines start "from 4.5%" on the site and "from 5%" in the offer, and the deposit product is advertised at up to 19% on the homepage and up to 16% in the deposit page's own headline and calculator.

The platforms it names

Zambulay names 9 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
  • Taboola
  • Pinterest
  • Reddit

How it works

BINsGB, EE, US
Getting inOpen signup
SupportBusiness hours

Where Zambulay contradicts itself

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

  • The homepage advertises card issuance "from $3", while the Terms of Service PDF states "From $5" and adds that the fee is "determined individually and depends on the selected BIN"; the UK BIN and the Apple Pay / Google Pay cards are quoted at $20.
  • Card top-up is priced three ways by the provider itself: the Terms of Service PDF says 3%, the homepage says "from 1.5% for card top-up" and then repeats 3% two paragraphs below, and Telegram posts from November 2025 quote 2.5% on the Apple Pay and Google Pay BINs.
  • The service terms allow "a maximum of 10% declined transactions per card", while clause 5.2 of the offer states the permitted Decline and Refund Rate is "not more than 15%".
  • Credit lines are gated at "$3,000 monthly turnover" on the homepage and on the credit landing page, but at "turnover from 10,000 USD" in clause 7.1 of the offer PDF, and the rate is quoted "from 4.5%" on the site against "from 5%" in the offer.
  • The credit line floor is $5,000 in clause 7.2 of the offer PDF, while the Telegram post announcing the product in October 2025 states the minimum is $10,000.
  • The USDT deposit product is advertised at "up to 19% per year" in the offer PDF and on the homepage product card, while the deposit page itself is headlined "up to 16% per year" and its calculator states a maximum rate of 16%.
  • The homepage displays a "5.0 verified Trustpilot rating", while the actual Trustpilot profile for zambulay.com shows 4.1 from 10 reviews.
  • The site markets "No KYC required" and asks only for an email, a Telegram handle and a password at signup, while the privacy policy reserves the right to collect passport, national ID or driving-licence copies for KYC/AML purposes and the offer lets Zambulay or the partner bank demand supporting documents.
  • The footer of every page states the site "is not a bank, credit institution, financial intermediary or financial advisor" and "operates solely as an information and scoring/comparison service" whose third-party offers it "does not verify, endorse or guarantee", while the same site issues cards, lends up to $300,000 and takes USDT deposits.
  • The stat block claims clients "since 2022", the domain was registered in March 2020, and two affiliate catalogues state the service has operated since 2018 or was relaunched in July 2025.
  • The restricted-country list in the service terms names the Russian Federation, Belarus, Crimea and Sevastopol and (BIN-dependent) Ukraine, while the whole product is Russian-first and sold to CIS affiliate teams.

How we checked

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

Operated byBUL LTD (company number 08131400)
Registered inUnited Kingdom
Open zambulay.comNot a paid link: we earn nothing either way.