A privacy-leaning crypto card with published top-up fees but plenty of numbers left off the public pages

Updated October 2026

Licensed

Available in US

Fast payouts

18+ Only

KazePay is a crypto card that converts your crypto into a spendable balance and hands you a card that works in shops. On paper it is built for people who want to pay with stablecoins without opening a bank relationship, and it says so plainly on its own homepage: “Privacy First Crypto Debit Card.” In practice the interesting part is not the slogan but the gaps. The card’s own pages give you top-up percentages and say there are “no hidden fees,” and then decline to publish what the card costs to issue, what it costs to maintain, what currency it holds, and which networks the issuing bank sits behind. My score is 6.9 out of 10, and the reason for that number is almost entirely in this balance: a competent product with a thin public disclosure sheet.

The conditions described here are current as of October 28, 2026.

The score

Who this suits: someone who already holds USDT or USDC, wants to spend crypto without a traditional bank account, is comfortable handling identity documents at signup, and can live with fees they discovered rather than fees they were told. Who it does not suit: anyone who needs a card with published, fixed fees and a named local issuer, anyone whose priority is merchant acceptance without odd declines, and anyone who wants to know exactly what the card is denominated in before they load it.

Will they give you the card?

Yes, in a very large number of countries, and probably in yours. The card’s own headline claim is “Transfer Your Crypto Across 210 Countries,” and no countries are named as excluded anywhere on the public pages. That is a strong claim and it is the main reason this section scores 9 out of 10.

But read the claim carefully, because an unofficial source tells a different story. Per CryptoCardHub, dated 11 August 2026, the card is actually available to sign up in 171 countries, with China, Cuba, Iran, North Korea, Russia and Syria restricted and Hong Kong missing. The same source says the “210 countries” figure refers to where the card can be *used*, not where you can *sign up*. That distinction is the single most useful thing in this whole review if your country happens to be one of the six on the restricted list: you could hold the card and still not be able to open the account. Unofficial, not confirmed by the card, and worth asking support about directly if you are anywhere near that list.

That unofficial account also describes what signup actually asks for: legal name, date of birth, residential address, country, and a passport or ID card, with terms allowing proof-of-address checks, a selfie, and a source-of-funds check. Approval is not guaranteed. All of that is unofficial. What the card itself says is thinner: KYC is required for card issuance, and usage may be restricted by local regulations and country eligibility. The card’s own public pages do not state which documents are needed, what age applies, how many KYC levels there are, what each unlocks, how long processing takes, or why an application might be refused. Older no-KYC descriptions of this card are, per the same unofficial source, obsolete.

How to get it

You request it “through the app or website,” and the card’s own FAQ phrases the sequence as: the card can be requested once you’re approved. So approval comes first, card second.

Two formats are available. A virtual card and a physical card. The card says the virtual card offers “Instant Account Activation,” and the card’s text refers to “major payment networks” without naming one — the Mastercard logo appears only in an image, not in the words. Currency is not stated. Both of those omissions matter more than they sound, and I’ll come back to them in the costs section.

For the physical card, the card’s own instruction is direct: availability depends on your country of residence, so confirm with support before you commit. Shipping fees are paid by the applicant. Delivery time and replacement cost are not stated. The FAQ describes no tiers at all, and mentions up to five physical cards per user, starting with one; virtual cards are described as having no fixed limit.

One piece of unofficial detail worth having in your head: per CryptoCardHub, Silver and Gold virtual cards are said to have annual limits described only as “standard” and “higher,” with no numbers attached, and the replacement card price is not published. Also unofficial: Silver virtual $25, Gold virtual $49, Physical $99, with monthly, inactivity and setup fees at $0 and chargeback processing at $35 unless waived.

What it really costs: Fees

This is the weakest part of the card’s public disclosure, and it is where the cost score of 4 out of 10 comes from. Here is what exists, and what does not.

The pricing page has no amounts on it. It points to the FAQ and to a User Guide PDF (v5.0) instead. The card says it has “no hidden fees” without attaching a single number to that sentence, and says fees “may” apply to ATM withdrawals and currency conversion, and that fee waivers exist between KazePay users. Nothing more. So: not stated, plainly, on the card’s own public pages — what a card costs to issue, what it costs to keep, and what a currency conversion actually costs.

What you can put a number on comes from an unofficial source (CryptoCardHub, 11 August 2026) and is not confirmed by the card:

Three everyday payments, walked through with only what the card says:

A $30 lunch. The card states there are no spending transaction fees, and it says currency conversion is handled by the bank and the card network at the time of the transaction, with rates and fees varying by bank, acquirer and country. Supported fiat currencies are not listed. If you hold USDT in a balance and pay $30 in a shop that prices in dollars, your top-up fee — 1.8% to 2.2% on a virtual card, or 2% on a physical one — is the number you can actually count on. If the shop prices in something else, the conversion cost is not published anywhere, and the card does not even tell you which currency the card is denominated in.

A $200 online subscription. Same maths, plus one thing worth knowing: some merchants decline prepaid or foreign-issued card numbers. A card number begins with a six- or eight-digit issuer identification number, and merchants can look that up to see which institution and country issued it — and apply extra scrutiny if it differs from the billing address. That is why a card issued in one country can look “foreign” in a shop in another. If a subscription declines, this is often why, and there is nothing on the card’s pages that tells you which country its issuing bank uses.

A $120 ATM withdrawal. Unofficial figures give 2% per transaction with a $1 minimum, plus whatever local ATM fees the ATM itself charges. Limits, again unofficial: $1,500 a day, up to six withdrawals a day, $15,000 a month. Note the $1 minimum means small withdrawals are penalised hard — a $20 withdrawal pays 2% plus the local fee, and the arithmetic is worse if the local fee has a floor of its own.

How to Top up

You fund the card from crypto, and the conversion to fiat happens at the moment of purchase. The card’s own pages show logos for BNB, BTC, ETH, USDC and USDT; which networks you can send each one on is not stated there.

For the card top-up specifically, the card gives you: physical card recharge 2%, virtual card recharge 1.8%–2.2%, a single top-up limit of $500 on the physical card with multiple top-ups allowed, and funds moving from your Wallet to the card in USDT or USDC. No minimum top-up is stated, and neither is the network fee for a top-up — that one is charged by the blockchain, not by the card.

Withdrawals only come out of your Wallet balance; a card balance cannot be withdrawn to a bank. Timing: weekdays, Monday to Friday 9:30am–6:00pm, up to 8 hours; weekends, up to 24 hours. Networks supported for withdrawal: BSC, Solana, Aptos, Tron, Base, Avalanche and Arbitrum. Transfers between KazePay users are near-instant with no network fee. The withdrawal fee amount, and what happens to a remaining balance if you close the account, are not stated.

If you are new to stablecoins, the practical warning here is bigger than the card: blockchain transfers are irreversible. A deposit sent on a network the provider does not support, or to an address belonging to a different network, can be lost or need manual support recovery with no guarantee attached. That single sentence explains most of the support tickets in this category.

Paying with it every day

On the card’s own account, the virtual card “Supports Apple Pay and Google Pay” and the physical card is also described as compatible. That is the convenient version. An unofficial source (CryptoCardHub, 11 August 2026) says the opposite for the physical card — that it does not support Apple Pay or Google Pay, and that the virtual card’s support depends on the card and the bank. That directly contradicts the card’s own text, so treat the physical-card wallet question as unresolved and test it yourself if it matters to you.

How the mobile wallets behave generally, in case you are new to this: Apple Pay replaces the card number with a device-specific number stored in the phone’s secure hardware, never on Apple’s servers, and each payment uses a one-time code. And the card issuer can restrict a tokenised number — for example block it on magnetic stripe, on phone use, or on websites. So a number that works in a shop can fail online, on the same card, for reasons that have nothing to do with your balance.

The card also screens wallet addresses on the way in, flagging addresses tied to exchanges, sanctioned entities, darknet markets and mixers. Which merchant category codes are blocked is not stated. This matters more than it sounds: a four-digit merchant category code classifies a business by what it sells, and gambling (MCC 7995, covering casinos, betting and lotteries) is one of the most commonly blocked categories on cards of this type — by issuer policy rather than by law, with the blocked list differing per issuer.

Refunds are where the two card formats part company, per the card’s own pages. For physical cards, merchant refunds are credited back, with timing depending on the merchant and acquirer. For virtual cards, refunds are not guaranteed and may fail to credit back. If a dispute comes up, contact the merchant first, then Kazepay support. The chargeback time frame is not stated.

Two things the card’s pages do not cover at all: rewards (not stated) and app details (not stated — there are no App Store or Google Play links on the home page). Support is by ticket form, Telegram, and a Telegram bot, and the site runs in English and Chinese.

What can go wrong

Start with the structural risk, because it is the one that does not change. Who runs this? The card’s own branding reads “KazePay – Privacy First Crypto Debit Card by METABANK INC (20231581273),” with KAZEFI as parent, operated in Hong Kong under INFI TECH (75447118). The card issuer and BIN sponsor are not named. That is the single detail I would want answered before loading money, because in this category the brand you see is often only the front end: the card network routes the payments, a licensed bank or e-money institution actually holds the card programme, and the crypto brand manages and markets it. Visa and Mastercard do not issue crypto cards to consumers themselves — they license issuers, and they can suspend a programme. They did exactly that in November 2022, when Visa said it had terminated its global agreements with FTX and the FTX US debit card was wound down by its issuer. A second example: WaveCrest, a Visa issuer that supplied crypto card brands, was suspended by Visa in Europe in 2018, closing all WaveCrest-issued Visa programmes. Card programmes end.

Then the regulatory shape. In the EU, an electronic money institution can issue e-money, payment cards and wallets but cannot lend, and it must safeguard customer funds in dedicated accounts or by insurance — funds that are not bank deposits and may not sit under a deposit guarantee scheme. The crypto side has its own layer: MiCA, the EU’s markets-in-crypto-assets regulation, took legal effect in June 2023, with rules on stablecoins applying from 30 June 2024 and the crypto-asset service provider rules from 30 December 2024. Under MiCA, e-money tokens may be issued only by a credit institution or an electronic money institution, and providers operating under national law had until 1 July 2026, or until a MiCA authorisation decision, whichever came first. ESMA keeps a public interim register of authorised providers, which is the first thing to check. Note the split: a card is a payment service regulated separately, so a crypto card often depends on two licences. In the US, FinCEN guidance treats administrators and exchangers of convertible virtual currency as money transmitters, while ordinary users buying things are not.

Next, custody. Control of crypto belongs to whoever holds the private key. With a custodial wallet, the provider holds it and you must trust them completely; a seed phrase is typically 12 to 24 words, anyone who has it can restore the wallet and spend from it, transfers are typically irreversible, and there is no built-in recovery. Custodial platforms have a real record of it: Mt. Gox (about US$350 million reported stolen, 2011–2014), Coincheck (about US$400 million, 2018) and Ronin Network (US$625 million, 2022). The card’s own pages do not state its custody model and do not state whether funds are insured.

What Kazepay does advertise on security is worth listing, because it is a decent list: address risk assessment on incoming wallets, multi-signature wallets, two-factor authentication with a code sent to your mobile, biometric login, an “Instant Account Freeze,” and transaction limits you set yourself. If you see an unauthorised transaction, the card’s instruction is to freeze the card in the app and contact support.

Then the small practical risks. Declined authorisations can leave a hold on your funds for several days, typically up to seven. Address verification — comparing the numeric parts of the billing address a buyer types against issuer records — is offered mainly in the US, Canada and the UK and is generally unavailable for foreign-issued cards, which causes declines. And stablecoins are not what their name promises: Tether’s USDT and Circle’s USDC are dollar-pegged and the BIS put about 90% of stablecoin market capitalisation in those two, but USDC temporarily lost its peg in March 2023 during the US banking crisis, and TerraUSD collapsed in May 2022.

On complaints: I found no Trustpilot page for Kazepay and no user reports about Kazepay. I also found no complaints. Searches for Kazepay card complaints on Reddit and Trustpilot returned results about Tazapay, a different company. Treat that absence as weak reassurance at best — a card this new with this profile can simply be too small to have a complaint history, and a small complaint history is not the same as a clean one.

One last thing, and it is not the card’s fault: taxes. If you are taxed on crypto, each payment funded from crypto may be a separate taxable disposal, because digital assets are treated as property and the gain is measured in your local currency at the value on the date of the transaction. I am not going to advise you on this; I am telling you it exists so it does not surprise you, and you should take it to a professional in your own country.

What to take instead

If you have read this far and the gaps are the problem rather than the card, here are three alternatives, all of which have the same kind of gaps. I include their scores for comparison only.

Reading that table honestly: none of these four publishes a complete cost sheet. Cardex is the only one that names actual card networks. CardFlow is the only one that states a price for creating a card, and it is free. HyperCard is the only one that names two settlement currencies. Kazepay is the only one that tells you its ATM limits. Every one of them leaves fee percentages unpublished. If your deciding factor is “which of these explains its fees best,” the answer is: none of them, and you should plan to ask support directly.

Who I would recommend it to

I would recommend this card to someone who has stablecoins already, who cannot get an ordinary bank card, and who treats it as a spending tool rather than as a place to hold money. That person gets a virtual card instantly, tops it up with USDT or USDC at a percentage they have read rather than guessed, pays without a per-transaction charge, and can freeze the card in the app the moment something looks wrong. If your crypto holdings are USDT or USDC specifically and you move them in modest amounts, that is a good fit.

I would recommend it more cautiously to someone who wants a physical card and mobile wallet payments, because the card’s own pages say the physical card works with Apple Pay and Google Pay and an unofficial source says it does not. Ask before you rely on it.

I would not recommend it to anyone who needs certainty about cost, about which bank stands behind the card, or about what currency the balance is held in — because those three are not disclosed. Nor to anyone whose spending depends on a subscription that might decline a prepaid or foreign-issued number, or on a merchant category that might be blocked, since the blocked list is not published. And I would treat the card as spending money, not as saving it: the issuer is not named, the custody model is not stated, insurance is not mentioned, and no complaints exist in either direction.

Frequently asked questions

What is the Kazepay card?

KazePay describes itself as a “Privacy First Crypto Debit Card” by METABANK INC (20231581273), with a Hong Kong parent, KAZEFI. In practice it works like a prepaid card: you convert crypto, it loads as a spendable balance, and a virtual or physical card draws on that balance. The card’s public pages do not name the issuing bank or the payment network in text.

How does the Kazepay card work?

You convert crypto into a fiat balance and pay from it, so the card cannot overdraw — there is no credit line and no monthly bill. The card’s own pages say conversion is handled by the bank and card network at the time of the transaction, with rates and fees varying by bank, acquirer and country. Card currency and supported fiat currencies are not stated on those pages.

Is Kazepay a bank?

Not on the public evidence. The card is presented as a card product of METABANK INC with parent company KAZEFI, operated in Hong Kong under INFI TECH (75447118). The card issuer and BIN sponsor are not named. In this category the visible brand is often only a programme manager, so the actual banking entity is worth asking about.

Do I need KYC to get a Kazepay card?

Yes. The card states that KYC is required for card issuance and that usage may be restricted by local regulations and country eligibility. What documents are needed, what age applies, how many KYC levels exist, processing times and rejection reasons are not stated on the card’s own public pages — an unofficial source describes name, date of birth, address, country and ID or passport.

Which countries can I use Kazepay in?

The card claims “Transfer Your Crypto Across 210 Countries” and names no exclusions. An unofficial source (11 August 2026) says signup is open in 171 countries with China, Cuba, Iran, North Korea, Russia and Syria restricted, and Hong Kong missing, and that the 210 figure describes where the card can be used rather than where you can open an account. Check your own country with support.

Is the Kazepay card free?

Not clearly. The card says “no hidden fees” but publishes no amounts on its pricing page. An unofficial source lists Silver virtual at $25, Gold virtual at $49 and Physical at $99, with monthly, inactivity and setup fees at $0. Those figures are not confirmed by the card, so treat them as a starting point for a support question rather than as a price list.

How much does it cost to top up and withdraw?

Unofficial figures, not confirmed by the card: top-ups are 2% on a physical card and 1.8%–2.2% on a virtual one; ATM withdrawals are 2% per transaction with a $1 minimum, plus local ATM fees, with limits of $1,500 a day, six withdrawals a day and $15,000 a month. The card says there are no spending transaction fees and that fees “may” apply to ATM and conversion.

How do I add the Kazepay card to Apple Wallet?

The card’s own pages say the virtual card supports Apple Pay and Google Pay, and describe the physical card as compatible too — though an unofficial source contradicts that for the physical card. So: add the virtual card to your wallet and treat the physical card as untested. Wallet support itself depends on the issuer enabling the token for phone use.

Can I withdraw money from the Kazepay card?

Not from the card balance — withdrawals come only from your Wallet balance, and a card balance cannot be withdrawn to a bank account. From the wallet, you can withdraw across BSC, Solana, Aptos, Tron, Base, Avalanche and Arbitrum networks. Weekday withdrawals take up to 8 hours, weekends up to 24, and transfers between KazePay users are near-instant with no network fee.

Is Kazepay safe, and is it worth it?

It advertises two-factor authentication, multi-signature wallets, biometric login, address risk screening, an instant account freeze and limits you set itself — but it does not state its custody model or whether funds are insured. I found no Trustpilot page and no user reports about Kazepay, and no complaints either. Treat the missing issuer name as the thing to ask about first, and use the card for spending rather than storage.

Content created by the «cryptocardfacts» team