TL;DR.UPay Card is a Visa · MC crypto debit card (Virtual + Physical, KYC: Light KYC). Cost per $100 spent: n/a. Top-up fee n/a, FX fee 0%. Wallet support: Apple Pay + Google Pay. Status: operational. Last verified: July 21, 2026.
CARD PROFILE · LIGHT KYC
UPay Card.
Dual-network (Visa + Mastercard) crypto card with USDT-first funding model — 168+ countries, 20+ coins, in-app crypto loans, deep stablecoin liquidity for everyday spending.
Cost / $100
—
Top-up fee
—
Network
Visa · MC
Card type
Virtual + Physical
IBAN
No
Monthly limit
—
Status
Operational
Pros.
- +Visa AND Mastercard physical card variants
- +Accepted in 168+ countries (Visa/Mastercard merchants)
- +USDT (TRC20 + ERC20) primary funding — no conversion costs
- +20+ supported cryptocurrencies (BTC/ETH/30+ tokens)
- +Crypto-collateralized low-interest loans available
- +Cash withdrawals at any Visa/Mastercard ATM globally
- +30+ coins in companion app (convertible to USDT in-app)
- +Apple Pay and Google Pay supported
- +1% per-transaction fee, no annual fee, 0% international/FX fee (per official US page)
- +Available in the US (MSB-licensed)
Cons.
- −2% ATM withdrawal fee from first withdrawal
- −Issuance fee not published — verify in app
- −Full KYC required
FEE BREAKDOWN
Detailed fee breakdown.
Top-up fee
—
Transaction fee
1%
FX fee
0%
Issuance
—
Monthly
Free
Cost / $100
—
1% per-transaction fee, no annual fee, 0% FX/cross-border fee (per official US country page). 2% ATM withdrawal fee. Issuance fee not published — verify in app. Card is primarily funded with USDT (TRC20/ERC20) to eliminate conversion costs. 30+ coins supported in companion app, convertible to USDT before spending. Crypto-collateralized loans available. Apple Pay / Google Pay supported.
COVERAGE
Where it works.
Supported coins
USDTUSDCBTCETHDOGE
Chains
TronEthereumBitcoinBSC
Use cases
Online · IRL · ATM
Blocked countries
None
WALLETS
Apple PayYes
Google PayYes
ATMYes
REPUTATION
Trustpilot
—/5
0 reviews
Monetiro score
87/100
Verified July 21, 2026
ALTERNATIVES