TL;DR.Spendl Card is a Visa crypto debit card (Virtual + Physical, KYC: Light KYC). Cost per $100 spent: not disclosed. Top-up fee not disclosed, FX fee 1.56%. Wallet support: none. Status: Operational. Last verified: July 21, 2026.

CARD PROFILE · LIGHT KYC

Spendl Card.

Name: Spendl Card Crypto Card
Brand: Spendl Card

South Africa-built Financial OS combining crypto top-up, ZAR card, payroll, vouchers and remittance to 44 African countries; processed by PayAccsys under FSCA-exempt CASP Light Fusion (Pty) Ltd.

Verified July 21, 2026

Visit site ↗← Back to the ledger

Cost / $100

—

Top-up fee

—

Network

Visa

Card type

Virtual + Physical

IBAN

Monthly limit

$26,500

Status

Operational

Pros.

+Both virtual and physical cards available
+12 supported digital assets including BTC, ETH, USDT, USDC
+Three KYC tiers (Smart/Savvy/Guru) with R25K-R500K spend limits
+Card same across all plans — only KYC and limits differ
+Crypto auto-converts to ZAR for spending; works online, in-store, internationally
+Issued under regulated South African CASP (FSCA-exempt Light Fusion Pty Ltd)

Cons.

−South Africa-focused — RSA residents required for top Guru tier
−Card network not explicitly disclosed in public docs (Visa assumed)
−No documented Apple Pay or Google Pay support
−Unilateral flow — cannot withdraw crypto back; ZAR only to named bank accounts
−International POS fee 1.56% + R45/tx
−International ATM fee R100/withdrawal
−No IBAN — local ZAR bank account details only
−Top tier (Guru) restricted to RSA residents

FEE BREAKDOWN

Detailed fee breakdown.

Top-up fee

—

Transaction fee

1.56%

FX fee

1.56%

Issuance

—

Monthly

$1.32

Cost / $100

—

Monthly account fee R25 (~$1.32). Local POS R2.75. International POS R45 + 1.56%. Local ATM R12.50 + R2.50/R100. International ATM R100. Card replacement R100. International POS decline R17.50.

COVERAGE