Monetiro229 services on the ledger · last checked October 6, 2026
ENRU
$5.49/$100
Take it?CostsAsks forLimitsWhere it worksFlawsHow we checkedAlternatives
Ledger
Nocturne

Nocturne

Visa · MCVirtual only
No KYCOperational

One of the only card stacks that treats Monero as a first-class funding asset rather than an afterthought, paired with genuinely zero-knowledge onboarding — no ID, no selfie, no dossier — and a flat $0.30 per payment instead of a percentage of your cart.

Total, per $100 spent: $5.49per $100 spent

156 of the 174 priced cards cost less. Among the 17 that ask for exactly as much identity, the median is $4.63.

Open nocturne.cardsNot a paid link: we earn nothing either way.

Whether to take Nocturne

In its favour

  • No ID, no selfie, no documents — an email address and a crypto deposit is the whole signup
  • Monero is treated as a first-class funding asset, at the same 0.49% fee and same limits as every other coin
  • Also funds with BTC, ETH, USDT (Tron, Ethereum, Solana), USDC and LTC
  • Spending costs a flat $0.30 per payment — a $3 espresso and a $3,000 checkout pay the same

Against it

  • The 5% card-load fee is heavy — the published all-in cost on a first $1,000 is $102.16
  • You pay twice to get money in: 0.49% on deposit, then 5% again to move balance onto a card
  • Minting is paid and non-refundable: $25 for Shadow, $50 for Aurora
  • Apple Pay and Google Pay only come with the pricier Aurora cut — Shadow has neither

Also true, in its favour

  • No monthly fee and no subscription; freeze, unfreeze and balance checks are always free
  • No FX padding — conversions run at the network's standard rate with no spread on top
  • A live card number in about sixty seconds from creating the account
  • High daily ceiling of $30,000, identical on both card cuts
  • The load fee tapers automatically with monthly volume, from 5% down to a 4% floor, with nothing to request
  • Aurora provisions to Apple Pay and Google Pay for real-world tap to pay
  • Built-in 3-D Secure on real bank rails, which clears ad platforms like Meta, Google and TikTok
  • Card details are shown once then stored encrypted; token accounts recover from twelve words

What Nocturne costs

ChargeWhat it costs
To get the card
To issue the card$25.00
Monthly$0.00
To put money in
To load5%
To spend it
Per payment, fixed$0.30
To spend outside the dollar0%
Total, per $100 spent$5.49

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

Read off nocturne.cards on September 9, 2026.

Two fees get money in: 0.49% on deposit for every asset including Monero, then 5% to move that balance onto a card. The load fee re-rates itself automatically by calendar-month volume — $50 per $1,000 at the standard rate, $45 per $1,000 at the middle step, and a $40 per $1,000 floor at high volume — and the load that crosses the line already pays the lower rate. Minting is once: $25 for the Shadow cut, $50 for the Aurora cut which adds Apple Pay and Google Pay. Both cuts share the same $30,000 daily ceiling. Spending is a flat $0.30 per payment, never a percentage, and there is no FX padding. Monthly fee is $0, but a card needs $29 of spend a month to stay live — idle for two months and it is reissued with the balance returned first. Nocturne's own worked example: deposit $1,000, mint an Aurora and load it, and the all-in cost is $102.16.

KYC: what Nocturne asks for

An email address, and nothing else. No document, no face, no address — and a burner address costs nothing, which is why the ledger counts this as no identity check at all.

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

Daily spend$30,000

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

Confirmed on nocturne.cards on September 9, 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 detailsNone — it is a card, not an account
Coins in6BTC, ETH, USDT, USDC, LTC, XMR
Chains6Bitcoin, Ethereum, Tron, Solana, Litecoin, Monero
TiersShadow, Aurora

The issuer names no country it turns away. That is not a promise that every country works.

The other flaws

  • A card needs $29 of spend a month to stay live; leave it idle two months and it is reissued
  • Virtual only — no physical card and no ATM access
  • No legal entity, jurisdiction or company registration is published anywhere on the site
  • There is no Terms of Service page at all — /terms returns a 404
  • No independent Trustpilot or peer-directory record to corroborate the operator
  • Larger loads may wait an extra block before crediting
  • Support lives only in the dashboard and on Telegram — no phone, no postal address

How we checked this

Thirteen fields are tracked for every service. 10 of them carry a figure we read off nocturne.cards on September 9, 2026.

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

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

Open nocturne.cardsNot a paid link: we earn nothing either way.

Alternatives to Nocturne

Its issuer publishes nothing to compare on price.YellowdotpayYellowdotpayVisa · MCVirtual onlyNo KYCOperationalPublishes 1 of five fee fields — not enough to price.AG9 Septnot published
Takes $0.24 less on every $100 spent.Sovrae CardSovrae CardVisa · MCVirtual and plasticNo KYCOperational2% when you load, 1.5% outside the dollar and $1.75 fixed.AG21 Jul$5.25per $100 spent
Costs $0.26 more per $100 — the price of the difference.MaxSwapMaxSwapMastercardVirtual onlyNo KYCOperational4.5% when you load, 0.6% outside the dollar and $0.65 fixed.AG21 Jul$5.75per $100 spent