Monetiro229 services on the ledger · last checked October 6, 2026
ENRU
$1.50/$100
Take it?CostsAsks forLimitsWhere it worksFlawsHow we checkedAlternatives
Ledger
Mine Card

Mine Card

MastercardVirtual and plastic
Asks for everythingOperational

A Swiss IBAN in your own name attached to a balance that is actually USDC in your own wallet: money arrives by SEPA, settles on-chain, and a Mastercard converts it at the moment of purchase — Mine never custodies a cent, so nobody can freeze it.

Total, per $100 spent: $1.50per $100 spent

84 of the 174 priced cards cost less. Among the 113 that ask for exactly as much identity, the median is $1.23.

Open mine.financialNot a paid link: we earn nothing either way.

Whether to take Mine Card

In its favour

  • Self-custody is the default, not a setting — your balance is USDC in a wallet only you control
  • A real Swiss IBAN in your own name, in CHF and EUR — incoming money settles as USDC in your wallet
  • 0% card top-up fee on both tiers
  • Mastercard accepted in 175+ countries, and the card itself works in the US

Against it

  • The account, IBAN and conversion services are not available to US persons or Russian citizens, regardless of where you live
  • Card FX markup is a range, 0.5%–1.5% depending on country — you do not know your rate until you see it
  • Invite-only: every member holds just three codes
  • Virtual card costs $5 one-off without a valid invite code

Also true, in its favour

  • High limits out of the box: $25,000 per transaction, $62,500 daily, $125,000 monthly
  • Real ATM access — $3,125 per withdrawal, $12,500 daily, $25,000 monthly
  • Premium tier pays 0.5% USDC cashback on up to $5,000 of card spend per month
  • Optional 5% yield via Aave V3, off by default and non-custodial
  • If Mine shuts down your funds keep working — they cannot freeze what they do not hold
  • First 500 CHF or EUR convert to USDC free, as a lifetime allowance

What Mine Card costs

ChargeWhat it costs
To get the card
To issue the card$5.00
Monthly$0.00
To put money in
To load0%
To spend it
To spend outside the dollar1.5%
Total, per $100 spent$1.50

Not published by the issuer: to spend, per payment, fixed, at a cash machine.

Read off mine.financial on September 7, 2026.

Card top-up is 0% on both tiers. The virtual card is free with a valid invite code, otherwise $5 one-off; Premium is $124 one-off and adds a physical card plus 0.5% USDC cashback on up to $5,000 of spend per month. Card FX markup is 0.5%–1.5% depending on country — the figure shown here is the worst case. Limits are identical on both tiers: $25,000 per transaction, $62,500 daily and $125,000 monthly at point of sale, plus $3,125 per ATM withdrawal, $12,500 daily and $25,000 monthly. Premium members can request higher or unlimited limits. Your first 500 CHF or EUR convert to USDC free as a lifetime allowance; pricing above that is shown in the app but not published.

KYC: what Mine Card 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

Monthly spend$100,000
Per payment$20,000

Not published by the issuer: daily spend, maximum balance, cash, per day.

Confirmed on mine.financial on September 7, 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, in person, cash machines
Account detailsIts own account details
Coins in1USDC
TiersBasic, Premium

Closed to residents of 2 countries, according to the issuer's own terms.

  • Russia
  • United States

The other flaws

  • Premium costs $124 one-off, and Metal and Private tiers are still only 'announced soon'
  • Only USDC is supported — no BTC, ETH or other stablecoins as a balance
  • The blockchain the USDC balance settles on is not published
  • Lose the seed and your backups and Mine cannot recover the funds for you — that is what non-custodial means
  • Conversion pricing above the free 500 allowance is not published as a number
  • No launch year or track record published

How we checked this

Thirteen fields are tracked for every service. 10 of them carry a figure we read off mine.financial on September 7, 2026.

Issuer's page
Cost per $100 · Loading charge · Currency conversion · Issuance · Monthly · Spending limits · Apple Pay and Google Pay
Sign-up flow
Identity level
Live check
Operating status
Terms
Countries closed
The issuer does not publish
Per-payment charge · Cash machine charge · Maximum balance

Nothing here came from a press release, an affiliate sheet, or another comparison site.

Open mine.financialNot a paid link: we earn nothing either way.

Alternatives to Mine Card

Takes $1.50 less on every $100 spent.Xapo Bank CardXapo Bank CardMastercardVirtual and plasticAsks for everythingOperationalNothing at the door, nothing abroad, nothing monthly. One of 41 cards that cost nothing.AG21 Jul$0.00per $100 spent
Takes $0.30 less on every $100 spent.SafePal CardSafePal CardMastercardVirtual and plasticAsks for everythingOperationalFree to load. 1% outside the dollar, plus $0.20 fixed.AG21 Jul$1.20per $100 spent
Takes $1.00 less on every $100 spent.P100 CardP100 CardMastercardVirtual and plasticAsks for everythingOperational0.5% outside the dollar. 1 fee field is not published.AG21 Jul$0.50per $100 spent