TL;DR.Tangem Pay is a Visa crypto debit card (Virtual, KYC: Light KYC). Cost per $100 spent: $0. Top-up fee 0%, FX fee n/a. Wallet support: Apple Pay + Google Pay. Status: operational. Last verified: July 21, 2026.
CARD PROFILE · LIGHT KYC
Tangem Pay.
Non-custodial Visa card from Tangem hardware wallet maker — your USDC stays in a smart contract you control, spend via Apple/Google Pay anywhere Visa is accepted.
Cost / $100
$0.00
Top-up fee
Free
Network
Visa
Card type
Virtual
IBAN
No
Monthly limit
—
Status
Operational
Pros.
- +Self-custodial: balance held in smart contract user controls
- +No transaction fees, no monthly account fees
- +Apple Pay & Google Pay supported
- +Withdraw unused USDC back to Tangem Wallet anytime
- +Issued by Third National (licensed Visa partner)
Cons.
- −USDC on Polygon only — no BTC/ETH/multi-coin
- −Quick KYC handled by Rain partner (not anonymous)
- −Virtual only at launch — physical card 'future release'
- −Foreign exchange markups apply on non-USD spending
- −UK/EU rollout pending Q1 2026 (MiCA)
FEE BREAKDOWN
Detailed fee breakdown.
Top-up fee
Free
Transaction fee
0%
FX fee
—
Issuance
Free
Monthly
Free
Cost / $100
$0.00
No monthly fee, no transaction fees. FX markup applies on non-USD purchases. Polygon gas fees apply when topping up USDC. Available in US, parts of LATAM, APAC, MEA, Africa (Japan, Singapore, Hong Kong, Australia, South Africa, UAE confirmed). UK/EU expansion planned Q1 2026.
COVERAGE
Where it works.
Supported coins
USDC
Chains
Polygon
Use cases
Online · IRL
Blocked countries
GBEU
WALLETS
Apple PayYes
Google PayYes
ATMNo
REPUTATION
Trustpilot
4.1/5
876 reviews
Monetiro score
68/100
Verified July 21, 2026
ALTERNATIVES