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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MPChat Cloud Card
Tap the card to read the small print
Your first yearFX fee not published
- Monthly fee
- FX fee not published
- Cashback
- —
- Currency fee
- FX fee not published
- ATM
- 2%, min $1 (physical card)
- Your money
- Company holds it
- Sign-up
- ID + face scan
- Apple / Google Pay
- The card itself
- 10 USDT virtual, 100 USDT 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 paying online subscriptions and shops with USDT from a chat and wallet app. Not for you if you watch every fee: each purchase carries a charge, plus small extra fees.
Can show an ID? Compare with MEXC Card
Good to know
- No monthly or annual fee
- Apple Pay, Google Pay, Alipay, WeChat Pay
- Physical card with ATM cash available
- 0.8% on every purchase
- 10 USDT for the virtual card
- Many small fees: 3DS, declines, card checks
Fees
SourceMPChat help, Cloud Card intro: fees and rules · checked November 10- Monthly fee
- $0
- Cloud Card (virtual)
- 10 USDTBoundless physical card 100 USDT plus shipping
- Purchase fee
- 0.8%On every purchase
- Paying abroad
- MPChat help, MPCard FX rates and fee explainer · November 10
- Issuer FX passed through, not publishedAll-in guide: ~1% in USD, ~1.8–2.2% in other currencies
- USDT to USD
- MPChat help, MPCard FX rates and fee explainer · November 10
- 1 USDT ≈ 0.993–0.998 USDSpread moves with the market
- Card checks and 3DS
- MPChat help, card limits and fees · November 10
- $1 after 10 checks a month; $0.03 per 3DS attempt
- Declined payment
- MPChat help, card limits and fees · November 10
- $0.80 after 5 a month$35 per chargeback
- Closing a card
- 3 USDT
Plans
Cloud Card10 USDT
- Virtual Visa, ready in about a minute
- Apple Pay, Google Pay, Alipay, WeChat Pay
- Up to 5 cards
Boundless Card100 USDT + shipping
- Physical Visa
- ATM cash, 2% min $1
- Not shipped to some regions
Limits
SourceMPChat help, Cloud Card intro: fees and rules · checked November 10- Spending
- $100,000 a purchase, $250,000 a day, $1,000,000 a monthProduct caps; app shows your actual limit
- ATM (physical)
- MPChat help, Boundless Card intro: physical card fees · November 10
- $1,500 a day, $15,000 a monthNo ATM in Singapore or mainland China
Top up & withdraw
SourceMPChat help, deposit currencies and networks · checked November 10Top up
- Crypto
- USDT on Tron, BNB Smart Chain, EthereumMin 10 USDT credited; no recharge fee
Withdraw
- Back to crypto
- MPChat help, card limits and fees · November 10
- USDT on Tron, 2.1 USDTPlus 0.1% on same-day withdrawals over 5,000 USDT
- Cash withdrawal
- MPChat help, Boundless Card intro: physical card fees · November 10
- 2%, min $1Boundless physical card only
For residents of 226 countries
Åland IslandsAlbaniaAlgeriaAmerican SamoaAndorraAngolaAnguillaAntarcticaAntigua & BarbudaArgentinaArmeniaArubaAustraliaAustriaAzerbaijanBahamasBahrainBangladeshBarbadosBelgiumBelizeBeninBermudaBhutanBoliviaBosnia & HerzegovinaBotswanaBouvet IslandBrazilBritish Indian Ocean TerritoryBritish Virgin IslandsBruneiBulgariaBurkina FasoBurundiCambodiaCameroonCanadaCape VerdeCaribbean NetherlandsCayman IslandsChadChileChinaChristmas IslandCocos (Keeling) IslandsColombiaComorosCongo - BrazzavilleCook IslandsCosta RicaCôte d’IvoireCroatiaCuraçaoCyprusCzechiaDenmarkDjiboutiDominicaEcuadorEgyptEl SalvadorEquatorial GuineaEritreaEstoniaEswatiniEthiopiaFalkland IslandsFaroe IslandsFijiFinlandFranceFrench GuianaFrench PolynesiaFrench Southern TerritoriesGabonGambiaGeorgiaGermanyGhanaGibraltarGreeceGreenlandGrenadaGuadeloupeGuamGuatemalaGuernseyGuineaGuyanaHeard & McDonald IslandsHondurasHong KongHungaryIcelandIndiaIndonesiaIrelandIsle of ManIsraelItalyJamaicaJapanJerseyJordanKazakhstanKenyaKiribatiKuwaitKyrgyzstanLaosLatviaLesothoLiberiaLiechtensteinLithuaniaLuxembourgMacaoMadagascarMalawiMalaysiaMaldivesMaltaMarshall IslandsMartiniqueMauritaniaMauritiusMayotteMexicoMicronesiaMoldovaMonacoMongoliaMontenegroMontserratMoroccoMozambiqueNamibiaNauruNepalNetherlandsNew CaledoniaNew ZealandNicaraguaNigerNigeriaNiueNorfolk IslandNorth MacedoniaNorthern Mariana IslandsNorwayOmanPakistanPalauPalestinePanamaPapua New GuineaParaguayPeruPhilippinesPitcairn IslandsPolandPortugalPuerto RicoQatarRéunionRomaniaRwandaSamoaSan MarinoSão Tomé & PríncipeSaudi ArabiaSenegalSerbiaSeychellesSierra LeoneSingaporeSint MaartenSlovakiaSloveniaSolomon IslandsSouth AfricaSouth Georgia & South Sandwich IslandsSouth KoreaSpainSri LankaSt. BarthélemySt. HelenaSt. Kitts & NevisSt. LuciaSt. MartinSt. Pierre & MiquelonSt. Vincent & GrenadinesSurinameSvalbard & Jan MayenSwedenSwitzerlandTaiwanTajikistanTanzaniaThailandTimor-LesteTogoTokelauTongaTrinidad & TobagoTunisiaTürkiyeTurkmenistanTurks & Caicos IslandsTuvaluU.S. Outlying IslandsU.S. Virgin IslandsUgandaUkraineUnited Arab EmiratesUnited KingdomUnited StatesUruguayUzbekistanVanuatuVatican CityVietnamWallis & FutunaWestern SaharaZambia
Not on the list? Then MPChat Cloud Card doesn't accept people living there yet.
- How they check where you live
- Registered residential address, ID and selfie
- ID from another country
- Not published
- ID accepted
- MPChat help, what is required to apply for a card · November 10
- Age 18+, KYC1: document upload and liveness selfie (via Sumsub)
- Pays in
- MPChat help, which cards MPChat offers · November 10
- Wherever Visa is accepted; no POS or ATM use in mainland China
Trust
SourceMPChat help, statement on financial licences · checked November 10- Card issued by
- MP PAYMENT INC (MPChat Pay); card issuing bank not named
- Licence
- US MSB registration, El Salvador BSP/DASP licences, Hong Kong TCSP licence; cards issued in Singapore
- Based in
- Singapore (card issuing country)
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Costs /yr if you spend A year at $500/moCurrency fee−$108
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