Costs /yr if you spend A year at $500/mo2% cashback+$120Currency fee−$108Crypto conversion−$54
2% cashback, no monthly fee
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Karta Card
Tap the card to read the small print
Your first yearCosts about/yr
- Monthly fee · none
- $0
- Cashback
- None
- Currency fee · 3%
- /yr
- ATM
- 2.5% + $1
- Your money
- Company holds it
- Sign-up
- Telegram + ID check
- Apple / Google Pay
- The card itself
- 5 USDT virtual
How we calculateEstimate for everyday spending: most of it in your local currency, topping up with crypto.Checked November 10, sources in each section below
Our take
For people who live in Telegram and want a virtual Visa topped up with stablecoins in minutes. Not for you if you want cheap card payments: every purchase carries a fee on top.
Can show an ID? Compare with MEXC Card
Good to know
- Card in minutes inside Telegram
- Free stablecoin top-ups on most networks
- Apple Pay and Google Pay
- 1.5% on every purchase
- Extra fee on non-USD payments
- No cashback on your own spending
Fees
SourceKarta help center, fees · checked November 10- Virtual card
- 5 USDT once"instead of 30"
- Card payments
- 1.5%On every purchase, USD included
- Paying abroad
- Karta card terms (effective 05.05.2026) · November 10
- Up to 3%Help center: Visa adds 1% on non-USD payments; terms: FX fee up to 3%, cross-border fee up to 3%
- Card reissue
- 15 USDT
- Physical card
- Karta help center, physical card pre-order · November 10
- Plastic 99 USDT, metal 299 USDTPre-order, shipping extra; first plastic cards planned for November 2026
Plans
Karta Personal$0 / month
- Virtual Visa Signature for 5 USDT
- Referral rewards from friends' spending
- Physical card on pre-order
Limits
SourceKarta help center, card limits · checked November 10- Per purchase
- $25,000Higher on request
- ATM
- Karta help center, ATM withdrawals · November 10
- $250 per withdrawal, 3 attempts per 24 hoursContactless ATMs via Apple Pay / Google Pay only
Top up & withdraw
SourceKarta help center, fees · checked November 10Top up
- Stablecoins
- USDT or USDC on Polygon, Base, Optimism, BSC, Arbitrum, Solana, Ethereum: freeTron (TRC-20): 5.90 USDT
- SEPA (EUR)
- 1% + 2 USDT
- ACH (USD)
- 0.30% + 2.50 USDTWire 0.30% + 30 USDT, SWIFT 0.30% + 37.50 USDT
- PIX, COP transfer, SPEI
- 1% (+0.50 USDT for PIX and COP)
Withdraw
- To a crypto wallet
- Network fee + 0.1%Network fee 0.9–4.9 USDT depending on chain
- Cash withdrawal
- Karta help center, ATM withdrawals · November 10
- 2.5% + $1$1 per declined attempt; karta.io shows 1.5% + 1 USDT
For residents of 228 countries
AfghanistanÅland IslandsAlbaniaAlgeriaAmerican SamoaAndorraAngolaAnguillaAntarcticaAntigua & BarbudaArgentinaArmeniaArubaAustraliaAustriaAzerbaijanBahamasBahrainBarbadosBelgiumBelizeBeninBermudaBhutanBoliviaBosnia & HerzegovinaBotswanaBouvet IslandBritish Indian Ocean TerritoryBritish Virgin IslandsBruneiBulgariaBurkina FasoBurundiCambodiaCameroonCanadaCape VerdeCaribbean NetherlandsCayman IslandsCentral African RepublicChadChileChristmas IslandCocos (Keeling) IslandsColombiaComorosCongo - BrazzavilleCongo - KinshasaCook IslandsCosta RicaCôte d’IvoireCroatiaCuraçaoCyprusCzechiaDenmarkDjiboutiDominicaDominican RepublicEcuadorEl SalvadorEquatorial GuineaEritreaEstoniaEswatiniEthiopiaFalkland IslandsFaroe IslandsFijiFinlandFranceFrench GuianaFrench PolynesiaFrench Southern TerritoriesGabonGambiaGeorgiaGermanyGhanaGibraltarGreeceGreenlandGrenadaGuadeloupeGuamGuatemalaGuernseyGuineaGuinea-BissauGuyanaHaitiHeard & McDonald IslandsHondurasHong KongHungaryIcelandIndonesiaIrelandIsle of ManItalyJamaicaJapanJerseyJordanKazakhstanKenyaKiribatiKuwaitKyrgyzstanLaosLatviaLebanonLesothoLiberiaLibyaLiechtensteinLithuaniaLuxembourgMacaoMadagascarMalawiMalaysiaMaldivesMaliMaltaMarshall IslandsMartiniqueMauritaniaMauritiusMayotteMexicoMicronesiaMoldovaMonacoMongoliaMontenegroMontserratMoroccoMozambiqueNamibiaNauruNetherlandsNew CaledoniaNew ZealandNicaraguaNigerNigeriaNiueNorfolk IslandNorth MacedoniaNorthern Mariana IslandsNorwayOmanPalauPalestinePanamaPapua New GuineaParaguayPeruPhilippinesPitcairn IslandsPolandPortugalPuerto RicoQatarRéunionRomaniaRwandaSamoaSan MarinoSão Tomé & PríncipeSaudi ArabiaSenegalSerbiaSeychellesSierra LeoneSingaporeSint MaartenSlovakiaSloveniaSolomon IslandsSomaliaSouth AfricaSouth Georgia & South Sandwich IslandsSouth KoreaSouth SudanSpainSri LankaSt. BarthélemySt. HelenaSt. Kitts & NevisSt. LuciaSt. MartinSt. Pierre & MiquelonSt. Vincent & GrenadinesSudanSurinameSvalbard & Jan MayenSwedenSwitzerlandTaiwanTajikistanTanzaniaThailandTimor-LesteTogoTokelauTongaTrinidad & TobagoTunisiaTurkmenistanTurks & Caicos IslandsTuvaluU.S. Outlying IslandsU.S. Virgin IslandsUgandaUnited Arab EmiratesUnited KingdomUruguayUzbekistanVanuatuVatican CityWallis & FutunaWestern SaharaYemenZambiaZimbabwe
Not on the list? Then Karta Card doesn't accept people living there yet.
- How they check where you live
- Not published
- ID from another country
- Not for citizens of 1 countries, wherever they live
- ID accepted
- Karta help center, ID documents · November 10
- Passport, ID card, driver's licence or residence permit (Sumsub)Whether the document must be from your country of residence is not published
- Pays in
- Karta help center, countries where the card doesn't work · November 10
- Anywhere Visa works, except Syria, Iran, Cuba, North Korea, Russia, Ukraine, Venezuela; long list of blocked merchant types
Not for citizens of
United States
Trust
SourceKarta help center, is Karta safe and legal · checked November 10- Card issued by
- Nimbus LLC d/b/a Third National (card issuer); Karta Finance, Inc. (program)
- Licence
- Visa card issued by Third National under a Visa licence; Karta is not a bank, not FDIC-insured
- Based in
- United States (Karta: Delaware; office in Bali, Indonesia)
No app store rating found for Karta Card yet.
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