TL;DR.Onboard Card is a Visa crypto debit card (Virtual, KYC: Light KYC). Cost per $100 spent: $1.25. Top-up fee 1.25%, FX fee 1.5%. Wallet support: Apple Pay + Google Pay. Status: operational. Last verified: July 21, 2026.
CARD PROFILE · LIGHT KYC
Onboard Card.
Non-custodial virtual Visa with industry-leading low conversion fee (~0.35% + gas) — but virtual-only, no cashback, only USDC/USDT.
Cost / $100
$1.25
Top-up fee
1.25%
Network
Visa
Card type
Virtual
IBAN
No
Monthly limit
$20,000
Status
Operational
Pros.
- +Lowest crypto-to-fiat conversion ~0.35% + gas (vs ~1.7% market avg)
- +Non-custodial card
- +USDC and USDT support
- +Apple Pay & Google Pay supported
- +Newer non-custodial entrant
Cons.
- −Virtual-only (no physical, no ATM, no hotel/car-rental deposits)
- −No cashback (vs ~4% market avg)
- −2% + $0.5 FX fee
- −Only 2 cryptocurrencies supported (vs ~15 avg)
- −Specific issuance/monthly fees not published
- −US not supported
FEE BREAKDOWN
Detailed fee breakdown.
Top-up fee
1.25%
Transaction fee
0%
FX fee
1.5%
Issuance
Free
Monthly
Free
Cost / $100
$1.25
~0.35% + gas crypto-to-fiat conversion (one of lowest in market). 2% + $0.5 FX fee. No cashback. Specific issuance/monthly fees not transparently published — verify in app. Virtual-only (no physical, no ATM access). Apple Pay & Google Pay.
COVERAGE
Where it works.
Supported coins
USDCUSDT
Chains
EthereumPolygonArbitrumBNB Smart ChainOptimismSolanaTronBase
Use cases
Online only
Blocked countries
AFDZBYBICFCNKMCDCGCUGMIRIQKGLBLRLYMVMMNIKPRUSTRSSOSSSDSRSJSYTJTGTKTMUAUSUZVEWFYEZW
WALLETS
Apple PayYes
Google PayYes
ATMNo
REPUTATION
Trustpilot
—/5
0 reviews
Monetiro score
71/100
Verified July 21, 2026
ALTERNATIVES