Exa Card

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Get Exa Card

Your first yearCosts about/yr

If you spend/mo

Monthly fee · none: $0
Cashback: None
Currency fee · 2.5%: /yr
ATM: $1 + 0.65%
Your money: You hold it
Sign-up: ID check (Persona), ~3 min
Apple / Google Pay
The card itself: Free

How we calculateChecked November 10, sources in each section below

Our take

For people who want to spend crypto from their own wallet and sometimes pay in instalments without selling it. Not for you if you'd rather not risk your coins: borrowing against them means they can be sold off if prices fall.

Pay in other currencies a lot? Compare with MEXC Card

Good to know

Your own wallet, unlocked with a passkey
Split a purchase into up to 9 instalments
USD and EUR account details
Pay Later can liquidate your crypto
2.5% outside USD and the US
No physical card

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Fees

Source

Card: FreeNo issuance or annual fee in the terms
Paying abroad: 1.5% FX + 1% cross-borderHelp center mentions only the 1.5% FX fee
Pay Now: Exa help center, pay mode · November 10; No interestTaken straight from your USDC
Pay Later: Exa help center, pay mode · November 10; Fixed rate shown before you payPlus a possible origination fee inside the rate
Late instalment: Exa help center, late instalments · November 10; 0.45% a day
Gas: Exa help center, gas fees · November 10; Paid by Exa

Plans

Pay Now$0

Spends USDC (or ETH, WBTC) from your wallet
No loan, no liquidation risk from purchases

Pay LaterFixed interest per purchase

1–9 instalments every 28 days
Borrows against your deposits
Collateral can be liquidated if its value falls

Limits

Source

Purchases: $10,000 a weekMore with proof of address and source of funds
Pay Later limit: Exa help center, spending limit · November 10; 83% of USDC, 78% of ETH, 71% of WBTC, 75% of wstETH, 32% of OP
Liquidation: Exa help center, account health · November 10; When account health falls below 1Purchases can't take it below 1.1
ATM: Exa help center, ATM withdrawals · November 10; $250 per withdrawal, 4 a day

Top up & withdraw

Source

Top up

Crypto: Exa help center, adding funds · November 10; USDC, ETH, WBTC, wstETH, OP on OP MainnetOther networks via bridge; everything lands as USDC
Bank transfer: USD (ACH, wire), EUR (SEPA)Free up to $3,000 / 60 transfers, then ACH 0.4%, SEPA 0.7%, wire 1%

Withdraw

To a crypto wallet: Exa help center, self-custody · November 10; Yes
To a bank account: USD ACH 0.4%, SEPA 0.7%After the sponsored quota
Cash withdrawal: Exa help center, ATM withdrawals · November 10; $1 + 0.65%Contactless ATMs via Apple / Google Wallet; up to $250, 4 a day

For residents of 49 countries

Not on the list? Then Exa Card doesn't accept people living there yet.

How they check where you live: Not published
ID from another country: Not published
ID accepted: Exa help center, KYC · November 10; Not publishedKYC through Persona; the help center doesn't list document types
Pays in: Exa help center, card availability and usage · November 10; Anywhere Visa works, except Cuba, Iran, North Korea, Russia, Syria, Ukraine, Venezuela

Trust

Source

Card issued by: Third National (program by Rain), via Exa Labs SAS
Licence: Visa Signature credit card, 0% APR on purchases; Pay Later loans come from Exactly Protocol
Based in: United States (Puerto Rico)

App StoreChecked November 10

4.7★24 ratings