Ledger
Privacy Gateway Card
Privacy Gateway CardPrivacy Gateway Card
VisaVirtual onlyAsks for a light checkOperational
One of the very few Visa cards you can fund with Monero and open with nothing but a name and an email — no ID, no selfie, no address — where even the 3-D Secure step can be done in-dashboard so you never have to hand over a phone number.
Total, per $100 spent: $3.50per $100 spent
137 of the 174 priced cards cost less. Among the 8 that ask for exactly as much identity, the median is $4.42.
Open privacygateway.ioNot a paid link: we earn nothing either way.
Whether to take Privacy Gateway Card
In its favour
- No KYC in the real sense: name and email only, no ID, no selfies, no address verification
- Monero is accepted as a funding asset — genuinely rare for a Visa card
- Also funds with BTC, LTC, SOL, ETH, ZANO, USDT and USDC on Polygon, plus FUSD on Zano
- 0% fee on USD purchases
Against it
- Your balance is a one-way street: once crypto is converted it can never be withdrawn as crypto or fiat, and is not refundable
- The access hash is the only way into your account — no password reset, no email recovery, no support override
- Subscription model: $5 per month, charged from your balance
- 3.5% loading fee on every top-up
Also true, in its favour
- Card activates almost instantly; a USDT or USDC load lands in about 5 minutes
- Google Pay works out of the box for tap-to-pay in physical stores
- 3-D Secure without handing over a phone number — you can approve each purchase from the dashboard instead
- Reloadable as many times as you want, minimum $20
- Refunds and cancelled authorisations are credited back to the card balance
- Currently half price for 2026: $5 per month instead of $10
What Privacy Gateway Card costs
| Charge | What it costs |
|---|---|
| To get the card | |
| To issue the card | $0.00 |
| Monthly | $5.00 |
| To put money in | |
| To load | 3.5% |
| To spend it | |
| To spend | 0% |
| Total, per $100 spent | $3.50 |
Not published by the issuer: per payment, fixed, to spend outside the dollar, at a cash machine.
Read off privacygateway.io on July 31, 2026.
Subscription is $5 per month during the 2026 half-price promotion, normally $10, charged from your card balance. A 3.5% loading fee applies to every top-up and is deducted from the crypto received. Purchases in USD carry 0% fee; the rate on non-USD purchases is not published. Minimum top-up is $20 and varies by coin. Monthly limit is $10,000. If the card runs out of credit the subscription pauses and outstanding fees are collected when you reload. Critical: once a deposit is converted to card balance it cannot be withdrawn as crypto or fiat and cannot be refunded — it exists only as spending balance.
KYC: what Privacy Gateway Card asks for
A name and a phone number, neither of them verified. No document is uploaded and no selfie is taken, but you are no longer anonymous to the issuer.
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$10,000
Not published by the issuer: daily spend, per payment, maximum balance, cash, per day.
Confirmed on privacygateway.io on July 31, 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
WalletsGoogle Pay only
Accepted whereOnline and in person
Account detailsNone — it is a card, not an account
Coins in9BTC, LTC, SOL, ETH, XMR, ZANO, USDT, USDC, FUSD
Chains7Bitcoin, Litecoin, Solana, Ethereum, Monero, Zano, Polygon
The issuer names no country it turns away. That is not a promise that every country works.
The other flaws
- Apple Pay is not supported at all
- Modest $10,000 monthly limit
- Explicitly not for one-off purchases — they tell you to look elsewhere if you only need a single transaction
- Not a bank or card issuer; it resells a card from unnamed third-party providers
- Governing law is described only as 'the laws applicable to the operation of Privacy Gateway' — effectively no stated jurisdiction
- The FX rate on non-USD purchases is not published
- Sending on an unsupported network or asset means total, unrecoverable loss
How we checked this
Thirteen fields are tracked for every service. 9 of them carry a figure we read off privacygateway.io on July 31, 2026.
- Issuer's page
- Cost per $100 · Loading charge · 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
- Currency conversion · Cash machine charge · Maximum balance · Countries closed
Nothing here came from a press release, an affiliate sheet, or another comparison site.
Open privacygateway.ioNot a paid link: we earn nothing either way.
Alternatives to Privacy Gateway Card
Costs exactly the same.
GoblinCardGoblinCardMastercardPlastic onlyAsks for a light checkOperational3.5% when you load.AG9 Sept$3.50per $100 spent
GoblinCardGoblinCardMastercardPlastic onlyAsks for a light checkOperational3.5% when you load.AG9 Sept$3.50per $100 spentAsks for more. Takes $0.45 less on every $100 spent.
Onboard CardOnboard CardVisaVirtual onlyAsks for a documentOperational1.25% when you load, 1.5% outside the dollar and $0.30 fixed.AG7 Sept$3.05per $100 spent
Onboard CardOnboard CardVisaVirtual onlyAsks for a documentOperational1.25% when you load, 1.5% outside the dollar and $0.30 fixed.AG7 Sept$3.05per $100 spentIts issuer publishes nothing to compare on price.
Digitap CardDigitap CardVisaVirtual and plasticAsks for a light checkOperationalPublishes 1 of five fee fields — not enough to price.AG8 Augnot published
Digitap CardDigitap CardVisaVirtual and plasticAsks for a light checkOperationalPublishes 1 of five fee fields — not enough to price.AG8 Augnot published