Costs /yr if you spend A year at $500/mo2% cashback+$120Currency fee−$108Crypto conversion−$54
2% cashback, no monthly fee
Get Bybit Card (partner link)Get card · partner link
MeruCard
Tap the card to read the small print
Your first yearCosts about/yr
- Monthly fee · none
- $0
- Cashback
- None
- Currency fee · 1.2%
- /yr
- ATM
- Free, ATM fee only
- Your money
- Company holds it
- Sign-up
- Meru account + ID and selfie
- Apple / Google Pay
- The card itself
- Free virtual, $5 physical
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 freelancers who get paid in dollars and want a card plus account details in one app, with no card fee at the ATM. Not for you if you want cashback without paying for a subscription.
Want more cashback? Compare with MiniPay Card
Good to know
- No Meru fee on ATM withdrawals
- US and EU account details in the same app
- Tops up with USDC or USDT on many networks
- Crypto deposits cost 1% plus $1
- Not for betting, dating or wallet top-ups
- Up to $250 per ATM withdrawal
Fees
SourceMeru fees and commissions (08.2026) · checked November 10- Monthly fee
- $0Account opening and maintenance free
- Virtual card
- Free
- Physical card
- $5Plus shipping, by country
- Paying abroad
- 1.2% extraOutside the US in other currencies; 1% outside the US in USD; 0% in the US in USD. Visa may add its own conversion fee
- Crypto deposit
- 1% + $1USDC / USDT on Stellar, Polygon, Base, Arbitrum, Solana, Optimism, Monad; more on Tron, BSC and Ethereum
Plans
Bronce / Plata / Oro$0
- Assigned by deposits and DeFi balance
- No card cashback
DiamanteMonthly subscription, price in the app
- 1% MeruCard cashback, up to $20 per 30 days
- $2 flat fee on crypto deposits and withdrawals
- 2 free ACH and 2 free SEPA transfers
Limits
SourceMeru help center, MeruCard limits · checked November 10- Spending
- $10,000 a day
- Cash
- Meru help center, ATM withdrawals · November 10
- $250 per withdrawal, 3 a dayIncludes the ATM's own fee
Top up & withdraw
SourceMeru fees and commissions (08.2026) · checked November 10Top up
- Crypto
- USDC and USDTTo the Meru account, then moved to the card balance
- Bank
- ACH, wire, SEPA, PIX, SPEI, PSE and local transfersPIX and Bolivian QR free; ACH $2; PSE 0.3% + $0.30
Withdraw
- To a crypto wallet
- Yes, 1% + $1USDC / USDT on Polygon or Stellar
- To a bank
- ACH, SEPA, PIX and local transfersACH 0.75% + $1.50; PIX free
- Cash withdrawal
- Meru help center, ATM withdrawals · November 10
- $0 from MeruThe ATM may charge its own fee; enable ATM use in the app first
Countries not published
- How they check where you live
- Not published
- ID from another country
- Not for citizens of 1 countries, wherever they live
- ID accepted
- Meru help center, what you need to open an account · November 10
- National ID card (cédula), DNI or passport, plus a face checkPassport recommended for the US account. Whether the document must be from the country you live in is not published
- Pays in
- Meru help center, MeruCard restrictions · November 10
- Anywhere Visa works, except betting, adult and dating sites, e-wallets and some streaming and games
Not for citizens of
Venezuela
Trust
SourceMeru general terms (23.10.2025) · checked November 10- Card issued by
- Not named (US-issued Visa); Meru app by R3mit Solutions Inc.
- Licence
- R3mit Solutions Inc. is a FinCEN-registered Money Services Business (Florida); the card bank is not named
- Based in
- United States
Changes
- September 71–5% MeruCard cashback campaign by country, up to $15 a month (ended 31.10.2026)
- November 10MeruCard: facts read from getmeru.com and its help center
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