Tuyo Card vs Tangem Pay
Tuyo CardSpend USDC from your own wallet, no card fees.
Tangem PayLower cost at your spend, more cashback, cheaper abroad.
Side by side
Money
SourceTuyo help center, Tuyo Card · checked November 10SourceTangem Pay fees and limits (08.10.2026) · checked November 10- A year at $500/mo
- Costs/yr
- Costs/yr★
- Cashback a year
- None
- +$60★
- Cashback rate
- Points (TUYOs)
- 1–2% in USDC
- Paying in another currency
- 2% extra
- 1.5% extra★
- Virtual card
- Free
- First free, then $5
- Physical card
- Coming soon
- $28.82–79.94 delivery
- Cash withdrawal
- No Tuyo fee
- 4%
Getting it
SourceTuyo prohibitions list (updated 15.07.2026) · checked November 10SourceTangem help center, getting started and KYC · checked November 10- For residents of
- 214 countries
- Not published
- ID from another country
- Where you live counts, not the country of your ID
- Where you live counts, not the country of your ID
- ID accepted
- Not published (government ID, types not named)
- Not published ('valid government-issued ID', types not named; checked by Sumsub)
- Sign-up
- ID check
- ID check (via Paera)
Using it
SourceTuyo prohibitions list (updated 15.07.2026) · checked November 10SourceTangem help center, what is Tangem Pay · checked November 10- Pays in
- Anywhere Visa works, except Cuba, Iran, North Korea, Russia, Syria, Ukraine, Venezuela
- Anywhere Visa works
- Spending per day
- Up to $50,000
- $10,000 a card
- Physical card
- Coming soon
- Yes★
- App Store rating
- 4.4 / 5
- 4.9 / 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: Tuyo Card, Tangem Pay.
