Top-ups are free. Card issuance is a one-time {virtual} for virtual, {physical} shipping for the physical Gold. Card loads carry a {load_pct} rail fee. That's the whole price sheet.
You only pay the on-chain network gas on your side when sending.
The physical card's load is optional — order it for {price} shipping, top up whenever.
Cross-network sends are unrecoverable. Always double-check the address.
No surprises in the footnotes. Below is the complete list of everything we charge, what we don't charge, and where the on-chain cost ends up.
| Item | Fee | Notes |
|---|---|---|
| Account creation | Free | Email + password. No documents, no KYC. |
| Top-up (any crypto) | Free | You pay the on-chain gas on your side; we don't take a cut. |
| Virtual card issuance | $2.00 | One-time, charged when you issue the card. |
| Physical card shipping | $20.00 | One-time. Tracked, plain unmarked packaging, worldwide. |
| Card load fee | 2% | Applied to the amount loaded onto the card. Min {min} · max {max} per load. |
| Foreign-currency conversion | 1.5% | Only when the card transacts in a currency other than USD. |
| Withdrawal (USDT to wallet) | Free | You only pay the on-chain network fee. Min {min}. |
| ATM withdrawal (physical Gold) | up to $5 | Set by the local ATM operator, not by us. |
| Monthly maintenance | $0 | None. Cards stay active for free. |
| Inactivity fee | $0 | Leave the card idle for a year. Nothing happens. |
| Card replacement (lost/stolen) | $0 | Virtual reissue is free. Physical reissue ships at cost ({price}). |
| Chargeback / dispute filing | $0 | We file disputes on your behalf at no charge. |
| KYC / verification fee | $0 | Because we don't do KYC. |
Total out-of-pocket: $512 in crypto. Balance on the card: $500. Ready to tap in 47 seconds.
No monthly fees. No KYC fees. No inactivity fees. No surprises in the footnotes.
Everything people actually ask. Last updated .
A virtual Visa or Mastercard costs $2 to issue. The physical Visa Gold costs $20 in one-time shipping. Card loads carry a flat 2% rail fee. There is no monthly fee, no inactivity fee and no KYC fee.
Yes. The processing fee on top-ups is 0%. You are credited the full amount sent at the on-chain spot rate the moment your transaction confirms.
Minimum $200 USD equivalent per top-up. Maximum $50,000 USD equivalent per top-up. There is no daily or monthly cap on cumulative volume across multiple top-ups.
No. Cryptocardium does not charge a monthly subscription, an account-keeping fee, an inactivity fee, a card-not-used fee, or any KYC fee. You pay only the per-action fees: $2 to issue a virtual card, $20 to ship a physical card, 2% to load a card.
A flat 2% rail fee applies when you load funds from your treasury balance onto a card. Unloading (moving balance back to treasury) is free. The 2% covers the issuer rail and network costs.
A 1.5% FX margin applies on authorisations in currencies other than USD. The card balance is denominated in USD at the issuer; transactions in EUR, GBP, JPY and other currencies clear at the network rate plus 1.5%.
No. Multiple top-ups per day are allowed; there is no cumulative cap on volume across cards or chains. Each top-up is independently subject to the $200 minimum and $50,000 maximum.
Withdrawals back to an external on-chain wallet carry only the network gas fee (passed through at cost). There is no Cryptocardium withdrawal fee. Minimum withdrawal is $10.
