Ledger
Onboard Card
May 4, 2026VerifiedOnboard publishes April 2026 recap (Q2 expansion kickoff)On May 4, 2026 Onboard published an April recap noting it 'cooked hard' in April — Q2 kicked off with expanded card features, broader regional coverage and improved KYC throughput across Onboard Card flows.onboard.xyz
Onboard CardOnboard Card
VisaVirtual onlySince 2024Asks for a documentOperational
Non-custodial virtual Visa with industry-leading low conversion fee (~0.35% + gas) — but virtual-only, no cashback, only USDC/USDT.
Total, per $100 spent: $3.05per $100 spent
133 of the 174 priced cards cost less. Among the 101 that ask for exactly as much identity, the median is $1.00. This one takes 3 times that for the same loss of privacy.
Open onboard.xyzNot a paid link: we earn nothing either way.
Whether to take Onboard Card
In its favour
- Lowest crypto-to-fiat conversion ~0.35% + gas (vs ~1.7% market avg)
- Non-custodial card
- USDC and USDT support
- Apple Pay & Google Pay supported
Against it
- Virtual-only (no physical, no ATM, no hotel/car-rental deposits)
- No cashback (vs ~4% market avg)
- 2% + $0.5 FX fee
- Only 2 cryptocurrencies supported (vs ~15 avg)
Also true, in its favour
- Newer non-custodial entrant
What Onboard Card costs
| Charge | What it costs |
|---|---|
| To get the card | |
| To issue the card | $0.00 |
| Monthly | $0.00 |
| To put money in | |
| To load | 1.25% |
| To spend it | |
| To spend | 0% |
| Per payment, fixed | $0.30 |
| To spend outside the dollar | 1.5% |
| Total, per $100 spent | $3.05 |
Not published by the issuer: at a cash machine.
Read off onboard.xyz on September 7, 2026.
~0.35% + gas crypto-to-fiat conversion (one of lowest in market). 2% + $0.5 FX fee. No cashback. Specific issuance/monthly fees not transparently published — verify in app. Virtual-only (no physical, no ATM access). Apple Pay & Google Pay.
KYC: what Onboard 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
Monthly spend$20,000
Daily spend$5,000
Not published by the issuer: per payment, maximum balance, cash, per day.
Confirmed on onboard.xyz 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 and in person
Account detailsNone — it is a card, not an account
Coins in2USDC, USDT
Chains8Ethereum, Polygon, Arbitrum, BNB Smart Chain, Optimism, Solana, Tron, Base
Closed to residents of 38 countries, according to the issuer's own terms.
- Afghanistan
- Algeria
- Belarus
- Burundi
- Central African Republic
- China
- Comoros
- Congo (DRC)
- Congo (Republic)
- Cuba
- Gambia
- Iran
- Iraq
- Kyrgyzstan
- Lebanon
- Liberia
- Libya
- Maldives
- Myanmar
- Nicaragua
- North Korea
- Russia
- São Tomé and Príncipe
- Serbia
- Somalia
- South Sudan
- Sudan
- Suriname
- Syria
- Tajikistan
- Togo
- Turkmenistan
- Ukraine
- United States
- Uzbekistan
- Venezuela
- Yemen
- Zimbabwe
The other flaws
- Specific issuance/monthly fees not published
- US not supported
What has changed
1 recorded changes, the most recent on May 4, 2026. Each carries the page we read it on.
How we checked this
Thirteen fields are tracked for every service. 11 of them carry a figure we read off onboard.xyz on September 7, 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
- Terms
- Countries closed
- The issuer does not publish
- Cash machine charge · Maximum balance
Nothing here came from a press release, an affiliate sheet, or another comparison site.
Open onboard.xyzNot a paid link: we earn nothing either way.
Alternatives to Onboard Card
Takes $1.05 less on every $100 spent.WallbitWallbitVisaVirtual onlyAsks for a documentOperationalFree to load. 2% outside the dollar.AG12 Sept$2.00per $100 spent
Its issuer publishes nothing to compare on price.
Gate US CardGate US CardVisaVirtual onlyAsks for a documentOperationalPublishes 3 of five fee fields — not enough to price.AG12 Septnot published
Gate US CardGate US CardVisaVirtual onlyAsks for a documentOperationalPublishes 3 of five fee fields — not enough to price.AG12 Septnot publishedTakes $0.05 less on every $100 spent.
Shakepay CardShakepay CardVisaVirtual onlyAsks for a documentOperationalFree to load. 3% outside the dollar.AG21 Jul$3.00per $100 spent
Shakepay CardShakepay CardVisaVirtual onlyAsks for a documentOperationalFree to load. 3% outside the dollar.AG21 Jul$3.00per $100 spent