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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Timon Ace Visa
Tap the card to read the small print
Your first yearCrypto top-up fee not published
- Monthly fee
- Crypto top-up fee not published
- Cashback
- —
- Currency fee
- Crypto top-up fee not published
- ATM
- 2%
- Your money
- Company holds it
- Sign-up
- BVN (Nigeria) or passport
- Apple / Google Pay
- The card itself
- $5 virtual, $8 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 travellers who need a dollar card fast, with airport pickup and eSIMs in the same app. Not for you if you spend a lot abroad: every international purchase costs a percentage plus a flat fee.
Can show an ID? Compare with MiniPay Card
Good to know
- Physical card at airport counters
- Several USD cards for picky websites
- eSIMs and payouts in one app
- 2% + $0.50 per international purchase
- Card creation fee
- $0.85 per decline after three a month
Fees
SourceTimon help center, fees and pricing (updated 22.10.2026) · checked November 10- Monthly fee
- $0No monthly fee listed
- Virtual card
- $5 onceAll USD virtual cards
- Physical card
- $8 onceFree delivery within Nigeria
- International purchases
- 2% + $0.50POS and online
- Currency conversion
- Timon help center, currency conversion fee · November 10
- $0.50 up to $100, $1 up to $1,000, 0.1% aboveBetween NGN and USD wallets or cards
- Declined payments
- Timon help center, declined transaction fees · November 10
- $0.85 each after 3 a month
Plans
Ace Visa$5 virtual, $8 physical
- Local billing address
- Physical card for travel and ATMs
- Airport pickup in Abuja, Lagos, Kano
Solo / Voyager Visa, Rove Mastercard$5 virtual
- US billing address
- For AWS, G Suite and US-only sites
- Rove: Apple Pay in more regions
Limits
SourceTimon help center, transaction limits · checked November 10- Ace physical
- $20,000 a month, $2,500 per paymentContactless $100
- Ace virtual
- $10,000 a quarter, $2,500 per payment
- USD wallet out
- $1,000 a day, $4,000 verified
Top up & withdraw
SourceTimon help center, top up with stablecoins · checked November 10Top up
- Crypto
- USDT, USDC, PYUSDCredited in under 2 minutes
- Bank
- Timon help center, fees and pricing (updated 22.10.2026) · November 10
- ACH or Fedwire 0.8%, min $2; naira transfer
Withdraw
- To bank or mobile money
- Timon help center, local payouts · November 10
- From $1 per payoutAfrica, Asia, Europe, Latin America
- Cash withdrawal
- Timon help center, fees and pricing (updated 22.10.2026) · November 10
- 2%International ATMs and bank POS; may vary by ATM
Countries not published
- How they check where you live
- Home address and SMS-verified phone number
- ID from another country
- Not published
- ID accepted
- Timon help center, creating an account · November 10
- Nigerian residents: BVN; everyone else: international passport
- Pays in
- Timon help center, choosing a card · November 10
- Wherever Visa is accepted; Ace won't work on sites that need a US billing address
Trust
SourceTimon home page · checked November 10- Card issued by
- Timon Financials Inc. with partner banks
- Licence
- Registered Money Service Business in Canada; card issuing bank not named
- Based in
- Canada
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