Ledger
Tangem Pay
Tangem PayTangem Pay
VisaVirtual onlySince 2025Asks for a documentOperational
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.
Total, per $100 spent: $0.00per $100 spent
It takes nothing at all. 173 of the 174 priced cards cost more. Among the 101 that ask for exactly as much identity, the median is $1.00.
Open tangem.comNot a paid link: we earn nothing either way.
Whether to take Tangem Pay
In its favour
- 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
Against it
- 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
Also true, in its favour
- Issued by Third National (licensed Visa partner)
What Tangem Pay costs
| Charge | What it costs |
|---|---|
| To get the card | |
| To issue the card | $0.00 |
| Monthly | $0.00 |
| To put money in | |
| To load | 0% |
| To spend it | |
| To spend | 0% |
| Total, per $100 spent | $0.00 |
Not published by the issuer: per payment, fixed, to spend outside the dollar, at a cash machine.
Read off tangem.com on July 21, 2026.
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.
KYC: what Tangem Pay 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
Tangem Pay publishes no spending limits at all.
Where it works
WalletsApple Pay and Google Pay
Accepted whereOnline and in person
Account detailsNone — it is a card, not an account
Coins in1USDC
Chains1Polygon
TiersVirtual
Closed to residents of 28 countries, according to the issuer's own terms.
- Austria
- Belgium
- Bulgaria
- Croatia
- Cyprus
- Czech Republic
- Denmark
- Estonia
- Finland
- France
- Germany
- Greece
- Hungary
- Ireland
- Italy
- Latvia
- Lithuania
- Luxembourg
- Malta
- Netherlands
- Poland
- Portugal
- Romania
- Slovakia
- Slovenia
- Spain
- Sweden
- United Kingdom
The other flaws
- UK/EU rollout pending Q1 2026 (MiCA)
How we checked this
Thirteen fields are tracked for every service. 9 of them carry a figure we read off tangem.com on July 21, 2026.
- Issuer's page
- Cost per $100 · Loading charge · Per-payment charge · Issuance · Monthly · Apple Pay and Google Pay
- Sign-up flow
- Identity level
- Live check
- Operating status
- Terms
- Countries closed
- The issuer does not publish
- Currency conversion · Cash machine charge · Spending limits · Maximum balance
Nothing here came from a press release, an affiliate sheet, or another comparison site.
Open tangem.comNot a paid link: we earn nothing either way.
Alternatives to Tangem Pay
Costs exactly the same.
Exa AppExa AppVisaVirtual onlyAsks for a documentOperationalNothing at the door, nothing abroad, nothing monthly. One of 41 cards that cost nothing.AG21 Jul$0.00per $100 spent
Exa AppExa AppVisaVirtual onlyAsks for a documentOperationalNothing at the door, nothing abroad, nothing monthly. One of 41 cards that cost nothing.AG21 Jul$0.00per $100 spent
