Monetiro229 services on the ledger · last checked October 6, 2026
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Ledger
SolvoCard

SolvoCard

Visa · MCVirtual and plasticSince 2026
No KYCFlagged

Do not use. Credible fraud reports exist for this service. We do not link to it. Do not send funds.

A no-KYC card you open with nothing but an email that still funds from Monero and now ships a physical Mastercard with worldwide ATM access — a combination almost nobody else offers, sold at a $99 one-time price with no subscription.

Total, per $100 spent: not published

The issuer does not publish enough of its charges for us to price this card. That is not the same as cheap.

Whether to take SolvoCard

In its favour

  • Zero KYC — an email address is the whole signup, with no documents, no selfies and no waiting
  • Monero is accepted for funding alongside BTC, ETH and USDT, which is rare on a card this mainstream-looking
  • Two cards on one balance: a Mastercard in EUR and a Visa in USD, each with its own billing address
  • The Mastercard EURO charges no FX and no cross-border fees at all

Against it

  • Monerica lists the service as Questionable with an explicit note about reports of frozen balances
  • Users report a recurring 'Unable to top up card' error despite sufficient balance, with support going unresponsive
  • $99 one-time issuance is steep, and you pay it per card
  • The 4% deposit fee and the $1 per top-up appear only in clause 7 of the terms — no pricing page, no fee table, and the marketing pages never mention either

Also true, in its favour

  • One-time issuance with no recurring charges and a long 5-year validity
  • A physical Mastercard is now shipping worldwide, with real ATM access
  • Apple Pay and Google Pay both work on the Visa USD card
  • 3-D Secure on both cards, approved from the dashboard with one-time codes
  • Accepted at 100M+ merchants, and the operator publishes live counters: 37,731 users, 15,469 cards issued and $9.32M in top-up volume

What SolvoCard costs

ChargeWhat it costs
To get the card
To issue the card$99.00
Monthly$0.00
To put money in
To load4%
To spend it
To spend0%
Per payment, fixed$1.00
To spend outside the dollar2%
Total, per $100 spentNot published

Not published by the issuer: at a cash machine.

Read off solvocard.com on September 11, 2026.

Issuance is $99 one-time per card, with no recurring charges and 5-year validity on both. Funding is where the real cost sits: SolvoCard's terms state a 4% fee on cryptocurrency deposits plus $1 per card top-up transaction. The Mastercard EURO has no FX fee and no cross-border fee; it is a EUR card that you fund from a USD balance with automatic conversion at the live rate. The Visa USD card charges 2% FX and carries a US billing address — the figure shown here is that worst case. Transactions themselves carry no fee. The published spending limit is $25,000 per month per card. A physical Mastercard with worldwide ATM access is offered at $199 including shipping, though the terms separately list ATM withdrawals and cash advances among prohibited uses — a contradiction the issuer has not resolved. Google Pay works on both cards today; Apple Pay is live on the Visa USD card and 'coming soon' on the EURO one.

KYC: what SolvoCard 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

Monthly spend$25,000

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

Confirmed on solvocard.com on September 11, 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 detailsNone — it is a card, not an account
Coins in4BTC, ETH, USDT, XMR
TiersMastercard EURO, Visa USD, Physical

Closed to residents of 17 countries, according to the issuer's own terms.

  • Afghanistan
  • Belarus
  • Central African Republic
  • Congo (DRC)
  • Cuba
  • Iran
  • Libya
  • Myanmar
  • North Korea
  • Russia
  • Somalia
  • South Sudan
  • Sudan
  • Syria
  • Venezuela
  • Yemen
  • Zimbabwe

The other flaws

  • The Visa USD card carries a 2% FX fee — only the Mastercard EURO is fee-free on currency
  • Apple Pay on the Mastercard EURO is still only 'coming soon'
  • Tor is reportedly blocked, which sits badly with the privacy positioning
  • One reviewer warns against enabling two-factor authentication on the site
  • Reports of specific merchants declining, including subscription renewals that worked once and then stopped
  • Founded in April 2026, so there is almost no operating history
  • No spending limits are published
  • The testimonial block on the homepage repeats the same ten quotes twice, which does not inspire confidence

What has changed

1 recorded changes, the most recent on June 10, 2026. Each carries the page we read it on.

June 10, 2026DelistedSolvoCard's Mastercard program discontinued, refunds reported stuck for weeksAround 10 June 2026, SolvoCard's Mastercard program was discontinued after its card issuer withdrew support, stranding customer balances on cancelled cards. As of a KYCnot.me review updated 27 July, 23 separate users reported balances (from $96 to four figures) still not refunded more than a month later, with SolvoCard's public responses stopping on 8 July.kycnot.me

How we checked this

Thirteen fields are tracked for every service. 10 of them carry a figure we read off solvocard.com on September 11, 2026.

Issuer's page
Loading chargeSeptember 11, 2026 · Currency conversionSeptember 11, 2026 · Per-payment chargeSeptember 11, 2026 · IssuanceSeptember 11, 2026 · Monthly · Spending limits · Apple Pay and Google Pay
Sign-up flow
Identity levelSeptember 11, 2026
Live check
Operating status
Terms
Countries closedSeptember 11, 2026
The issuer does not publish
Cost per $100 · Cash machine charge · Maximum balance

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

Alternatives to SolvoCard

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