Ledger
Meru Card
Meru CardMeru Card
VisaVirtual and plasticSince 2023Asks for a documentIssues reported
Before you continue. Readers report problems with this service — withdrawals, support or card delivery. Check current reports before you put money on it.
US-issued USD Visa card for LATAM diaspora — 0% commission on purchases, crypto top-up via USDC/USDT, free ATM withdrawals, cash pickup in 14+ LATAM countries directly + MoneyGram in 200+.
Total, per $100 spent: $1.00per $100 spent
53 of the 174 priced cards cost less. Among the 101 that ask for exactly as much identity, the median is $1.00.
Open getmeru.comNot a paid link: we earn nothing either way.
Whether to take Meru Card
In its favour
- Visa USD card issued in the United States
- Zero commission on domestic and international purchases
- Crypto top-up via USDC (6 chains) or USDT (Tron) — fees from $1 flat up to 1% + network fee
- Cash withdrawal in 14+ LATAM countries (Venezuela, Colombia, Argentina, Mexico, Brazil)
Against it
- Crypto top-up fees vary by chain: USDC $1 flat (Binance) to 1%+$10 (Ethereum); USDT only via Tron (1%+$5)
- Card-to-balance funding: 5.4% + $1 (no direct PayPal top-up currently listed)
- LATAM-focused — Venezuela, Colombia primary markets
- Specific issuance fee not detailed
Also true, in its favour
- MoneyGram withdrawals in 200+ countries
- Free ATM cash withdrawals
- Apple Pay & Google Pay, NFC contactless
- Self-custodied USDC savings option
What Meru Card costs
| Charge | What it costs |
|---|---|
| To get the card | |
| Monthly | $0.00 |
| To put money in | |
| To load | 1% |
| To spend it | |
| To spend | 0% |
| To spend outside the dollar | 0% |
| At a cash machine | Free |
| Total, per $100 spent | $1.00 |
Not published by the issuer: to issue the card, per payment, fixed.
Read off getmeru.com on September 7, 2026.
Zero commission domestic and international purchases. Crypto top-up: USDC via Binance $1 flat, via Arbitrum/Base/Polygon/Solana/Stellar 1%+$1, via Ethereum 1%+$10; USDT only via Tron 1%+$5 (not available via Ethereum/Polygon). Card-to-balance deposit: 5.4%+$1. Wire deposit: $15 flat. IBAN deposit: $2 flat. ATM withdrawals free. Card issued in USA, denominated in USD. Cash withdrawals via local partners in 14+ LATAM countries; MoneyGram available in 200+ countries. Apple Pay/Google Pay supported.
KYC: what Meru Card asks for
A government document. Passport or ID goes to the issuer and to whoever processes verification for it, before the card is handed over.
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
Meru Card publishes no spending limits at all.
Where it works
WalletsApple Pay and Google Pay
Accepted whereOnline and in person
Account detailsNone — it is a card, not an account
Coins in2USDC, USDT
Chains7Ethereum, Arbitrum, Base, Polygon, Solana, Stellar, Tron
TiersVirtual, Physical
The issuer names no country it turns away. That is not a promise that every country works.
The other flaws
- KYC required (US-issued card)
- MoneyGram fees vary by country
How we checked this
Thirteen fields are tracked for every service. 9 of them carry a figure we read off getmeru.com on September 7, 2026.
- Issuer's page
- Cost per $100 · Loading charge · Currency conversion · Per-payment charge · Monthly · Cash machine charge · Apple Pay and Google Pay
- Sign-up flow
- Identity level
- Live check
- Operating status
- The issuer does not publish
- Issuance · Spending limits · Maximum balance · Countries closed
Nothing here came from a press release, an affiliate sheet, or another comparison site.
Open getmeru.comNot a paid link: we earn nothing either way.
Alternatives to Meru Card
Costs exactly the same.
Avalanche CardAvalanche CardVisaVirtual and plasticAsks for a documentOperationalFree to load. 1% outside the dollar.AG21 Jul$1.00per $100 spent
Avalanche CardAvalanche CardVisaVirtual and plasticAsks for a documentOperationalFree to load. 1% outside the dollar.AG21 Jul$1.00per $100 spent
