TL;DR.Karta is a Visa crypto debit card (Virtual + Physical, KYC: Light KYC). Cost per $100 spent: $2.5. Top-up fee 0%, FX fee 1%. Wallet support: Apple Pay + Google Pay. Status: operational. Last verified: July 21, 2026.
CARD PROFILE · LIGHT KYC
Karta.
Visa Signature® crypto card with AI assistant, P2P transfers, and referral program ($5 + 25% cashback). KYC via Telegram bot in ~5 min. 8 blockchain networks.
Cost / $100
$2.50
Top-up fee
Free
Network
Visa
Card type
Virtual + Physical
IBAN
No
Monthly limit
—
Status
Operational
Pros.
- +0% top-up fee
- +Visa Signature® card with perks (lounge access, insurance, concierge)
- +Apple Pay & Google Pay
- +8 blockchain networks supported
- +Fast onboarding via Telegram (~5 min)
- +Physical metal card available
- +150+ countries
- +1% cashback (Pro tier)
Cons.
- −New service (2024-2025) — limited track record
- −KYC rejections without explanation reported
- −Not a bank — no FDIC/deposit insurance
- −Limited transparency on transaction fees
- −US citizens excluded
- −Trustpilot 3.9/5 (only 25 reviews)
FEE BREAKDOWN
Detailed fee breakdown.
Top-up fee
Free
Transaction fee
1.5%
FX fee
1%
Issuance
$5
Monthly
Free
Cost / $100
$2.50
0% top-up. ~0.5% conversion fee. 5 USDT issuance (discounted from 30 USDT). Visa network FX rates. Business: 0.5% top-up.
COVERAGE
Where it works.
Supported coins
USDTUSDC
Chains
ArbitrumBSCBaseEthereumOptimismPolygonSolanaTron
Use cases
Online · IRL · ATM
Blocked countries
US
WALLETS
Apple PayYes
Google PayYes
ATMYes
REPUTATION
Trustpilot
—/5
0 reviews
Monetiro score
63/100
Verified July 21, 2026
ALTERNATIVES