Ledger
KemyCard
KemyCardKemyCard
Visa · MCVirtual and plasticAsks for everythingOperational
Crypto-funded card with full IBAN/PIX/SPEI banking layer. Virtual Visa is $15 + $2/mo with $100K balance cap; physical Mastercard is $250 + $10/mo with $400K cap and $50K daily spend.
Total, per $100 spent: $12.50per $100 spent
173 of the 174 priced cards cost less. Among the 113 that ask for exactly as much identity, the median is $1.23. This one takes 10 times that for the same loss of privacy.
Open kemycard.comNot a paid link: we earn nothing either way.
Whether to take KemyCard
In its favour
- Apple Pay, Google Pay and Samsung Pay supported
- Dedicated IBAN, routing, PIX and SPEI for EUR/USD/GBP/MXN/BRL accounts
- Quick KYC in 2 minutes via Veriff and Sumsub
- Unlimited virtual cards (Visa)
Against it
- Full KYC required — not a no-KYC card
- 8% deposit fee on crypto/mobile-money funding (raised from 5%)
- 3.5% + $1 transaction fee per purchase
- Physical card costs $250 + $10/month
Also true, in its favour
- Physical Mastercard supports up to $50K daily spend, $15K monthly ATM
- 10+ cryptocurrencies supported
What KemyCard costs
| Charge | What it costs |
|---|---|
| To get the card | |
| To issue the card | $15.00 |
| Monthly | $2.00 |
| To put money in | |
| To load | 8% |
| To spend it | |
| To spend | 3.5% |
| Per payment, fixed | $1.00 |
| Total, per $100 spent | $12.50 |
Not published by the issuer: to spend outside the dollar, at a cash machine.
Read off kemycard.com on July 21, 2026.
Virtual Visa: $15 issuance, $2/mo, $100K max balance. Physical Mastercard: $250 issuance (DHL incl.), $10/mo, $400K max balance. Top-up: $1.50 flat under $100 / 1.25% over. 8% deposit fee on crypto/mobile-money (kemycard.com/en/pricing, updated from 5%). Transaction: 3.5% + $1. Failed tx: $0.80. Physical: $50K/day spend, $25K per tx, $15K/mo ATM, $500/day ATM. 3-year validity.
KYC: what KemyCard 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 email18 cards
A light check — a name and a phone, unverified9 cards
A document102 cards
Everything — document, face, address114 cards
Limits on spending
Per payment$10,000
Maximum balance$100,000
Not published by the issuer: monthly spend, daily spend, cash, per day.
Confirmed on kemycard.com on July 21, 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
WalletsApple Pay and Google Pay
Accepted whereOnline and in person
Account detailsIts own account details
Coins in5BTC, ETH, SOL, USDT, USDC
Chains4Bitcoin, Ethereum, Solana, Tron
TiersVirtual Visa, Physical Mastercard
The issuer names no country it turns away. That is not a promise that every country works.
The other flaws
- Failed transactions cost $0.80
- Available country list not published — sign-up required to check
How we checked this
Thirteen fields are tracked for every service. 10 of them carry a figure we read off kemycard.com on July 21, 2026.
- Issuer's page
- Cost per $100 · Loading charge · Per-payment charge · Issuance · Monthly · Spending limits · Maximum balance · Apple Pay and Google Pay
- Sign-up flow
- Identity level
- Live check
- Operating status
- The issuer does not publish
- Currency conversion · Cash machine charge · Countries closed
Nothing here came from a press release, an affiliate sheet, or another comparison site.
Open kemycard.comNot a paid link: we earn nothing either way.
Alternatives to KemyCard
Takes $12.50 less on every $100 spent.
Brighty AppBrighty AppVisa · MCVirtual and plasticAsks for everythingOperationalNothing at the door, nothing abroad, nothing monthly. One of 41 cards that cost nothing.AG21 Jul$0.00per $100 spent
Brighty AppBrighty AppVisa · MCVirtual and plasticAsks for everythingOperationalNothing at the door, nothing abroad, nothing monthly. One of 41 cards that cost nothing.AG21 Jul$0.00per $100 spent
