Tangem Pay vs MiniPay Card
Tangem PayBank top-ups, cash-out to a bank, physical card.
MiniPay CardLower cost at your spend, more cashback, cheaper abroad.
Side by side
Money
SourceTangem Pay fees and limits (08.10.2026) · 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
- +$60
- +$300★
- Cashback rate
- 1–2% in USDC
- Up to 5%, max $100/mo
- Paying in another currency
- 1.5% extra
- No MiniPay fee, Visa rate★
- Virtual card
- First free, then $5
- Free to activate
- Physical card
- $28.82–79.94 delivery
- Not offered
- Cash withdrawal
- 4%
- No ATM
Getting it
SourceTangem help center, getting started and KYC · checked November 10SourceMiniPay FAQ · checked November 10- For residents of
- Not published
- Not published
- ID from another country
- Where you live counts, not the country of your ID
- Not published
- ID accepted
- Not published ('valid government-issued ID', types not named; checked by Sumsub)
- Not published (identity check guided in the app, onboarding shows in the card tab if your country is supported)
- Sign-up
- ID check (via Paera)
- ID check in the app, by country
- Top up from a bank
- Yes★
- Crypto only
- Cash out to a bank
- Yes★
- No
Using it
SourceTangem help center, what is Tangem Pay · checked November 10SourceMiniPay virtual card page · checked November 10- Pays in
- Anywhere Visa works
- Anywhere Visa works, 175M+ merchants
- Spending per day
- $10,000 a card
- Not published
- Physical card
- Yes★
- No
- App Store rating
- 4.9 / 5★
- 4.6 / 5
★ 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: Tangem Pay, MiniPay Card.
