Ledger
Cardtoshi
CardtoshiCardtoshi
MastercardVirtual onlyNo KYCOperational
A $15 virtual Mastercard opened with nothing but an email, funded in twenty currencies including Monero on its own chain, with no monthly fee and no FX markup — the pricing page lists nine separate charges and prints $0 against every one of them.
Total, per $100 spent: $3.00per $100 spent
126 of the 175 priced cards cost less. Among the 18 that ask for exactly as much identity, the median is $5.25.
Open cardtoshi.comNot a paid link: we earn nothing either way.
Whether to take Cardtoshi
Worth it if you want a cheap private card for subscriptions and online checkouts and you intend to spend what you load: 3% with no FX markup is genuinely low for a card that asks for nothing but an email, and Monero funding keeps the whole chain private. Not worth it for holding money — deposits cannot be withdrawn back to crypto, the operator is anonymous, and there is no third-party record of anyone getting funds out again.
In its favour
- The complete fee list fits on one page and is two lines long: $15 to issue and 3% to load — the other nine line items are printed as $0
- Email is the entire signup, and the FAQ names passport, ID, driving licence, selfie, proof of address and phone number as things it will never ask for
- Twenty currencies on their own native chains, Monero included, so the funding leg can be private from end to end
- No FX markup at all: spending in another currency costs the Mastercard rate and nothing on top of it
Against it
- Deposit-only: crypto withdrawals are not supported, so whatever you load and do not spend stays there
- No independent track record of any kind — no Trustpilot profile, no forum thread, no reported user history; Cryptwerk carries a 1.8-out-of-5 rating with no reviews behind it
- Nobody is named: no operating company, no jurisdiction, no issuing partner, and the domain sits entirely behind Cloudflare
- Online only — the FAQ rules out both ATMs and physical terminals, and there is no Apple Pay or Google Pay
Also true, in its favour
- Three cards per account, each one freezable or cancellable from the dashboard with the balance returned to the wallet
- A custom cardholder name can be set per card — the detail that decides whether the privacy claim survives a checkout
- 3-D Secure works, which is why PayPal and Wise accept it; that is where most no-KYC virtual cards fail
- No country is turned away, for the structural reason that there is no verification step to turn one away on
What Cardtoshi costs
| Charge | What it costs |
|---|---|
| To get the card | |
| To issue the card | $15.00 |
| Monthly | $0.00 |
| To put money in | |
| To load | 3% |
| To spend it | |
| To spend | 0% |
| Per payment, fixed | $0.00 |
| To spend outside the dollar | 0% |
| Total, per $100 spent | $3.00 |
Not published by the issuer: at a cash machine.
Read off cardtoshi.com on September 11, 2026.
$15 per card, one-time, charged again for every additional card and every time one expires. Loading costs a flat 3%: put $100 in and $97 lands on the card. Everything else the issuer lists is zero — no monthly maintenance, no FX markup, no account creation fee, no inactivity fee, no statement fee, no 3DS fee — and after the $20 first deposit there is no minimum on top-ups. Spending is capped at $5,000 a month per card, three cards maximum, so $15,000 is the account ceiling. No ATM fee is listed for the structural reason that there is no ATM access: the card is virtual and online-only.
KYC: what Cardtoshi asks for
An email address, and nothing else. No document, no face, no address — and a burner address costs nothing, which is why the ledger counts this as no identity check at all.
Asks nothing7 cards
An email19 cards
A light check — a name and a phone, unverified9 cards
A document102 cards
Everything — document, face, address113 cards
Limits on spending
Monthly spend$5,000
Not published by the issuer: daily spend, per payment, maximum balance, cash, per day.
Confirmed on cardtoshi.com on September 11, 2026. A figure told to one person in a chat window is not a published limit, so it does not appear here.
Where it works
WalletsNeither
Accepted whereOnline only
Account detailsNone — it is a card, not an account
Coins in20BTC, ETH, SOL, XMR, USDT, USDC, BNB, AVAX, BCH, DAI, DASH, DOGE, LTC, POL, SHIB, TON, TRX, HMSTR, VERSE, CGPT
Chains13Bitcoin, Ethereum, Solana, Monero, Tron, BNB Chain, Polygon, Arbitrum, Bitcoin Cash, Litecoin, Dogecoin, Dash, TON
The issuer names no country it turns away. That is not a promise that every country works.
The other flaws
- 3% on every load is the real price: $100 in puts $97 on the card, and the $15 issue fee falls due again each time a card expires
- $5,000 a month per card with a maximum of three cards, so $15,000 a month is the hard ceiling on the account
- Whole merchant categories decline by design: gambling, adult, weapons, crypto exchanges and wire transfers
- The minimum first deposit is $20, of which $15 goes straight back out as the issue fee
How we checked this
Thirteen fields are tracked for every service. 10 of them carry a figure we read off cardtoshi.com on September 11, 2026.
- Issuer's page
- Cost per $100September 11, 2026 · Loading chargeSeptember 11, 2026 · Currency conversionSeptember 11, 2026 · Per-payment chargeSeptember 11, 2026 · IssuanceSeptember 11, 2026 · MonthlySeptember 11, 2026 · Spending limitsSeptember 11, 2026 · Apple Pay and Google PaySeptember 11, 2026
- Sign-up flow
- Identity levelSeptember 11, 2026
- Live check
- Operating statusSeptember 11, 2026
- The issuer does not publish
- Cash machine charge · Maximum balance · Countries closed
Nothing here came from a press release, an affiliate sheet, or another comparison site.
Open cardtoshi.comNot a paid link: we earn nothing either way.
Alternatives to Cardtoshi
Costs $2.75 more per $100 — the price of the difference.
MaxSwapMaxSwapMastercardVirtual onlyNo KYCOperational4.5% when you load, 0.6% outside the dollar and $0.65 fixed.AG21 Jul$5.75per $100 spent
MaxSwapMaxSwapMastercardVirtual onlyNo KYCOperational4.5% when you load, 0.6% outside the dollar and $0.65 fixed.AG21 Jul$5.75per $100 spentCosts $0.50 more per $100 — the price of the difference.
Blur CardsBlur CardsVisaVirtual onlyNo KYCOperational3.5% when you load. 1 fee field is not published.AG10 Sept$3.50per $100 spent
Blur CardsBlur CardsVisaVirtual onlyNo KYCOperational3.5% when you load. 1 fee field is not published.AG10 Sept$3.50per $100 spentCosts $1.50 more per $100 — the price of the difference.
XKardXKardVisa · MCVirtual onlyNo KYCOperational4.5% when you load. 2 fee fields are not published.AG9 Sept$4.50per $100 spent
XKardXKardVisa · MCVirtual onlyNo KYCOperational4.5% when you load. 2 fee fields are not published.AG9 Sept$4.50per $100 spent