Ledger
Figo
FigoFigo
VisaVirtual onlySince 2026Asks for everythingOperational
A dollar Visa for soft-currency markets that takes six assets across ten chains into one balance — and publishes two different prices for the same transaction, a marketing 35 cents and a contractual 1% plus 2%.
Total, per $100 spent: $3.00per $100 spent
126 of the 175 priced cards cost less. Among the 112 that ask for exactly as much identity, the median is $1.23. This one takes 2 times that for the same loss of privacy.
Open spendfigo.comNot a paid link: we earn nothing either way.
Whether to take Figo
Worth considering if you are in Nigeria or Ghana and want a dollar card that takes BTC, ETH or SOL and not only stablecoins — the chain coverage is the widest in this region and the issuer is named down to the Visa licensee. Price it from the disclosures, never from the landing pages. The contract says 1% plus 2% FX where the marketing says 35 cents flat, the fifty-country flag grid is contradicted by Figo's own compliance page, and liability is capped at $100 against a $25,000 monthly limit.
In its favour
- Ten chains and six assets, including BTC, ETH and SOL rather than stablecoins alone, all landing in the same dollar balance the card spends
- Free to issue and no monthly fee, with the limits published as three exact figures rather than a range
- The issuing stack is named: Figo Boost Inc. of Delaware, cards issued by Third National under a Visa licence, marketed in Nigeria by BANEX Microfinance Bank, which is CBN-licensed
- A named USD, EUR and NGN virtual account alongside the card, so money from Payoneer, Deel or Wise can land and then be spent
Against it
- The advertised price is not the contractual price. Around fifty country landing pages promise "$0.35 flat per transaction, no hidden fees", while the disclosures Figo asks you to agree to charge 1% per transaction plus 2% FX — on a $100 purchase abroad that is $3, not 35 cents
- "50+ countries" is the flag grid on the homepage; the compliance page says Figo serves Nigeria and Ghana. This record uses the two, because a compliance statement outranks a marketing grid
- "Non-custodial" is marketing rather than architecture: the help centre and both app stores promise Figo never holds your money, and the card documents describe a balance Figo administers
- The FX figure contradicts itself inside one document — a table says 2% while a later section of the same disclosures says otherwise
Also true, in its favour
- A dedicated disclosures document that prices the transaction fee, the FX fee and the limits in one place
What Figo costs
| Charge | What it costs |
|---|---|
| To get the card | |
| To issue the card | $0.00 |
| Monthly | $0.00 |
| To put money in | |
| To load | 0% |
| To spend it | |
| To spend | 1% |
| To spend outside the dollar | 2% |
| At a cash machine | Not available — the card is virtual only and the card terms state that cash withdrawal is not supported |
| Total, per $100 spent | $3.00 |
Not published by the issuer: per payment, fixed.
Read off spendfigo.com on September 12, 2026.
The disclosures are the document Figo asks you to agree to, so they are what is recorded here: 1% per transaction, 2% on foreign currency, free issuance as a limited-time promotion, no monthly fee, and limits of $2,500 per transaction, $5,000 a day and $25,000 a month. The marketing says something else entirely — "$0.35 flat per transaction, no hidden fees" across around fifty country pages — and a reader who signs up on that basis will pay roughly nine times more on a $100 foreign purchase. The flat per-payment field is left blank rather than filled with that 35 cents, because the figure appears only in marketing and is contradicted by the contract. Disputing a charge costs $30. There is no ATM fee because the card is virtual and cash withdrawal is not supported.
KYC: what Figo asks for
Full verification: a document, a photograph of your face and proof of your address. The same file a bank opens on you, held by a company that is not a bank.
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$25,000
Daily spend$5,000
Per payment$2,500
Not published by the issuer: maximum balance, cash, per day.
Confirmed on spendfigo.com on September 12, 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 detailsIts own account details
Coins in6USDC, USDT, PYUSD, BTC, ETH, SOL
Chains10Ethereum, Solana, Polygon, Base, Arbitrum, Optimism, Avalanche, BNB Chain, Stellar, Tron
Issued only to residents of 2 countries — the issuer runs an allowlist, so everywhere else is closed.
- Ghana
- Nigeria
The other flaws
- Liability is capped at $100 against a $25,000 monthly spending limit
- $30 to dispute a charge, payable whether or not you win
- Free issuance is explicitly a limited-time promotion, and the app already carries an activation fee elsewhere
- The spending limits are revocable at Figo's discretion, so the three published figures are ceilings rather than entitlements
- About four months old with almost no users, and no Trustpilot profile exists
- The site's scale is inflated by roughly sixty templated country pages and dozens of retailer pages that describe availability Figo does not have
How we checked this
Thirteen fields are tracked for every service. 12 of them carry a figure we read off spendfigo.com on September 12, 2026.
- Issuer's page
- Cost per $100September 12, 2026 · Loading charge · Currency conversionSeptember 12, 2026 · Per-payment chargeSeptember 12, 2026 · IssuanceSeptember 12, 2026 · Monthly · Cash machine charge · Spending limitsSeptember 12, 2026 · Apple Pay and Google Pay
- Sign-up flow
- Identity level
- Live check
- Operating statusSeptember 12, 2026
- Terms
- Countries closedSeptember 12, 2026
- The issuer does not publish
- Maximum balance
Nothing here came from a press release, an affiliate sheet, or another comparison site.
Open spendfigo.comNot a paid link: we earn nothing either way.
Alternatives to Figo
Costs exactly the same.
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