Ledger
Zoomex Card
Zoomex CardZoomex Card
MastercardVirtual onlySince 2026Asks for everythingOperational
A derivatives exchange's virtual Mastercard issued through UR, a FINMA-supervised Swiss fintech — free to issue, nothing on same-currency spending, and closed to 160 of the 203 countries this site tracks, which is the fact that decides whether any of the rest applies to you.
Total, per $100 spent: $3.00per $100 spent
126 of the 175 priced cards cost less. Among the 112 that ask for exactly as much identity, the median is $1.23. This one takes 2 times that for the same loss of privacy.
Open zoomex.comNot a paid link: we earn nothing either way.
Whether to take Zoomex Card
Worth it if you live in one of the 43 countries it is open to, hold USDC, and want a card whose money sits with a FINMA-supervised Swiss institution rather than with an offshore exchange. Not worth pursuing otherwise: the blocklist removes Africa entirely, most of Latin America and most of Asia, there is no plastic and no cash, USDT holders must convert first, and the card page still describes its own launch campaign as being prepared.
In its favour
- Free to issue, and spending in the card balance currency costs nothing at all
- The issuer is named, licensed and lookupable: UR is the trademark of SR Saphirstein AG, Swiss register CHE-256.014.995, licensed under Article 1b of the Swiss Banking Act and supervised by FINMA
- Zoomex publishes the country list for its own card, on its own help centre and under its own title, rather than pointing at a partner's generic roster
- Apple Pay and Google Pay, which is how a virtual-only card reaches a shop counter
Against it
- The country blocklist is enormous — 160 of the 203 countries this site tracks, leaving 43. The whole of Africa is excluded without exception, along with almost all of Latin America and most of Asia
- The card page says the card has not launched, on the same page that sells it: its own FAQ reads "The campaign is currently being prepared"
- Swiss deposit protection does not apply, and UR says so in capitals in its terms
- Your money sits at a company you never signed up with — Zoomex states plainly that it does not hold fiat and that custody is with UR
Also true, in its favour
- Limits are published as a tier table with exact figures for both tiers, not as an "up to"
- Funds are held by a FINMA-supervised institution rather than by the exchange itself, which separates the card balance from the exchange's own book
What Zoomex Card costs
| Charge | What it costs |
|---|---|
| To get the card | |
| To issue the card | $0.00 |
| To put money in | |
| To load | 1% |
| To spend it | |
| To spend | 0% |
| To spend outside the dollar | 2% |
| At a cash machine | No ATM access — UR issues virtual cards only and states the card cannot be used to withdraw cash |
| Total, per $100 spent | $3.00 |
Not published by the issuer: monthly, per payment, fixed.
Read off zoomex.com on September 12, 2026.
Free to issue, 1% to move money onto the card, and nothing at all when the payment currency matches the card balance currency. Spending in another currency costs up to 2%, which the marketing denies and the FAQ confirms. Limits come as a two-tier table in euros: 2,000 a day and 5,000 a month on the basic tier, rising to 10,000 and 20,000 on Pro. The basic figures are the ones recorded here, because Pro was announced as a limited-time upgrade with no published price after it. No monthly fee is published, which is not the same as none being charged. There is no ATM fee because there is no ATM: UR issues virtual cards only. Cashback launched as a campaign with an end date and is hollowed out by two separate merchant exclusion lists.
KYC: what Zoomex Card asks for
Full verification: a document, a photograph of your face and proof of your address. The same file a bank opens on you, held by a company that is not a bank.
Asks nothing7 cards
An email19 cards
A light check — a name and a phone, unverified9 cards
A document102 cards
Everything — document, face, address113 cards
Limits on spending
Monthly spend$5,000
Daily spend$2,000
Not published by the issuer: per payment, maximum balance, cash, per day.
Confirmed on zoomex.com on September 12, 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 and in person
Account detailsIts own account details
Coins in1USDC
Closed to residents of 160 countries, according to the issuer's own terms.
- Afghanistan
- Albania
- Algeria
- Andorra
- Angola
- Antigua and Barbuda
- Argentina
- Armenia
- Azerbaijan
- Bahamas
- Bahrain
- Bangladesh
- Barbados
- Belarus
- Belize
- Benin
- Bhutan
- Bolivia
- Bosnia and Herzegovina
- Botswana
- Brunei
- Burkina Faso
- Burundi
- Cambodia
- Cameroon
- Cape Verde
- Central African Republic
- Chad
- Chile
- China
- Colombia
- Comoros
- Congo (DRC)
- Congo (Republic)
- Costa Rica
- Cuba
- Curaçao
- Djibouti
- Dominica
- Dominican Republic
- Ecuador
- Egypt
- El Salvador
- Equatorial Guinea
- Eritrea
- Eswatini
- Ethiopia
- Fiji
- Gabon
- Gambia
- Georgia
- Ghana
- Gibraltar
- Grenada
- Guatemala
- Guinea
- Guinea-Bissau
- Guyana
- Haiti
- Honduras
- India
- Indonesia
- Iran
- Iraq
- Israel
- Ivory Coast
- Jamaica
- Jordan
- Kazakhstan
- Kenya
- Kiribati
- Kuwait
- Kyrgyzstan
- Laos
- Lebanon
- Lesotho
- Liberia
- Libya
- Macau
- Madagascar
- Malawi
- Maldives
- Mali
- Malta
- Marshall Islands
- Mauritania
- Mauritius
- Mexico
- Micronesia
- Moldova
- Monaco
- Mongolia
- Montenegro
- Morocco
- Mozambique
- Myanmar
- Namibia
- Nauru
- Nepal
- Nicaragua
- Niger
- Nigeria
- North Korea
- North Macedonia
- Oman
- Pakistan
- Palau
- Palestine
- Panama
- Papua New Guinea
- Paraguay
- Peru
- Philippines
- Puerto Rico
- Qatar
- Russia
- Rwanda
- Saint Kitts and Nevis
- Saint Lucia
- Saint Vincent and the Grenadines
- Samoa
- San Marino
- São Tomé and Príncipe
- Saudi Arabia
- Senegal
- Serbia
- Seychelles
- Sierra Leone
- Solomon Islands
- Somalia
- South Africa
- South Sudan
- Sri Lanka
- Sudan
- Suriname
- Syria
- Tajikistan
- Tanzania
- Thailand
- Timor-Leste
- Togo
- Tonga
- Trinidad and Tobago
- Tunisia
- Turkey
- Turkmenistan
- Tuvalu
- Uganda
- Ukraine
- United States
- Uruguay
- Uzbekistan
- Vanuatu
- Vatican City
- Venezuela
- Vietnam
- Western Sahara
- Yemen
- Zambia
- Zimbabwe
The other flaws
- Virtual only, no plastic and no cash: UR issues virtual cards exclusively
- USDC only. If your Zoomex balance is USDT, the exchange's own flagship settlement asset, you must convert before you can fund the card
- The marketing says zero FX while the FAQ prices currency conversion at up to 2%
- A long and surprising merchant blocklist: fuel dispensers, public transport, utilities and charities decline automatically
- Spending is throttled by a rolling per-user limit in Swiss francs that you cannot see in advance and cannot raise yourself
- Funding is three hops with a manual pre-load and no overdraft, so a declined payment is the default failure mode
- Onboarding needs a separate third-party app to read the NFC chip of a biometric passport, and fails on a VPN
- Money is one-way for Hong Kong residents — transferring back is unavailable to them
- Cashback is a dated campaign rather than a standing rate, and a second reward-exclusion list applies on top of the merchant blocklist
- The card is bound to a second email address that can never be changed
How we checked this
Thirteen fields are tracked for every service. 11 of them carry a figure we read off zoomex.com on September 12, 2026.
- Issuer's page
- Cost per $100 · Loading chargeSeptember 12, 2026 · Currency conversionSeptember 12, 2026 · Per-payment chargeSeptember 12, 2026 · IssuanceSeptember 12, 2026 · Cash machine charge · Spending limitsSeptember 12, 2026 · Apple Pay and Google Pay
- Sign-up flow
- Identity levelSeptember 12, 2026
- Live check
- Operating statusSeptember 12, 2026
- Terms
- Countries closedSeptember 12, 2026
- The issuer does not publish
- Monthly · Maximum balance
Nothing here came from a press release, an affiliate sheet, or another comparison site.
Open zoomex.comNot a paid link: we earn nothing either way.
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