MeruCard vs MiniPay Card
MeruCardBank top-ups, cash-out to a bank, physical card.
MiniPay CardLower cost at your spend, more cashback, cheaper abroad.
Side by side
Money
SourceMeru fees and commissions (08.2026) · checked November 10SourceOpera press release, MiniPay launches Visa debit card (23.06.2026) · checked November 10- A year at $500/mo
- Costs/yr
- Earn up to/yr★
- Cashback a year
- None
- +$300★
- Cashback rate
- 1% with paid Diamante
- Up to 5%, max $100/mo
- Paying in another currency
- 1.2% extra
- No MiniPay fee, Visa rate★
- Virtual card
- Free
- Free to activate
- Physical card
- $5
- Not offered
- Cash withdrawal
- $0 from Meru
- No ATM
Getting it
SourceMeru help center, what you need to open an account · checked November 10SourceMiniPay FAQ · checked November 10- For residents of
- Not published
- Not published
- ID from another country
- Not for citizens of 1 countries, wherever they live
- Not published
- ID accepted
- National ID card (cédula), DNI or passport, plus a face check
- Not published (identity check guided in the app, onboarding shows in the card tab if your country is supported)
- Sign-up
- Meru account + ID and selfie
- ID check in the app, by country
- Top up from a bank
- Yes★
- Crypto only
- Cash out to a bank
- Yes★
- No
Using it
SourceMeru help center, MeruCard restrictions · checked November 10SourceMiniPay virtual card page · checked November 10- Pays in
- Anywhere Visa works, except betting, adult and dating sites, e-wallets and some streaming and games
- Anywhere Visa works, 175M+ merchants
- Spending per day
- Not published
- Not published
- Physical card
- Yes★
- No
- Your money
- Company holds it
- You hold it
★ marks the better value where there is one. Estimate for everyday spending: most of it in your local currency, topping up with crypto. How we calculate. Every fact with its own source is on the card pages: MeruCard, MiniPay Card.
