Self-custodial Mastercard card with €0 issuance, monthly and FX fees
DebitMastercardVirtual · Physical
BingCard
Prepaid crypto debit cards funded with BTC, ETH, USDT, and USDC with virtual and physical options
2.1/ 5
Our score
Weak
Card issuance fee
$25
Monthly fee
Free
Max cashback
0%
Top-up networks
BitcoinEthereum
What is BingCard?
Bingcard is a crypto prepaid card platform that lets users fund virtual and physical debit cards using major digital assets. Founded in December 2021, the service provides cards denominated in USD and HKD that can be spent at merchants worldwide or linked to digital wallets like PayPal and Alipay.
Operating company and background
The service is operated by Bingcard, Inc., an entity established in late 2021. The team launched the official website and secured operating licensing in December 2022 before rolling out virtual card issuance in February 2023. Bingcard is not affiliated with the cryptocurrency exchange BingX.
Card mechanics and funding
Bingcard operates on a custodial account setup. Users deposit cryptocurrency into their account balance to load either a virtual or physical card. The platform supports four crypto assets for top-ups: Bitcoin, Ethereum, USDT, and USDC. Virtual cards are delivered digitally within five minutes. In contrast, the physical Platinum card is shipped directly from Hong Kong with delivery times up to 25 business days. Cards carry a 3-year validity window.
Fees and limits
Costs depend on the chosen card tier. The Exclusive virtual card requires an issuance fee of $25 and has a $1 monthly maintenance fee, with monthly transaction limits capped at $100,000. The Star virtual card carries a $40 issuance fee, no monthly maintenance fee, and a higher $200,000 monthly limit. Both virtual cards carry a 1% fee on deposits, withdrawals, and transactions below $10. The physical Platinum card costs $168 to issue, has no monthly fee, and supports a monthly limit of 1,000,000 HKD. Minimum initial load across cards is $21. The platform does not offer cashback, reward points, or staking incentives.
Availability and compliance
Identity verification requirements vary by tier. Virtual cards can be created without completing KYC checks, whereas ordering the physical Platinum card requires online identity verification. The platform excludes residents and citizens of the United States.
Risks and track record
Because the platform uses a custodial model, users take on counterparty risk when holding funds in their card balances. In August 2026, Trustpilot withheld review ratings for Bingcard after determining that company guidelines were breached and fake reviews were posted. Users also frequently report merchant payment declines on subscription services, deposit delays, and account freezes.
Best for:Non-US residents wanting virtual cardsFast online checkout with cryptoPaying software and ad subscriptions
Pros and cons
Pros
- Virtual cards issued in five minutes without identity verification
- High monthly spending limits up to $200,000 on virtual cards
- Supports deposits in BTC, ETH, USDT, and USDC
- Zero monthly maintenance fees on the Star virtual and Platinum physical cards
Cons
- No cashback, points, or loyalty rewards on any card tier
- High physical card issuance fee of $168
- Physical card shipping takes up to 25 business days
- Excluded for US citizens and residents
- Trustpilot withheld review ratings in August 2026 after fake reviews were posted
- User reports cite transaction declines, account freezes, and slow support
Our review
2.1/5
Weak
BingCard provides rapid virtual card issuance without initial identity checks, but charges issuance fees of $25, $40, or $168 and provides no cashback or rewards program.
BingCard operates as a crypto debit card service run by Bingcard, Inc., offering virtual and physical payment cards funded with digital assets. Users can deposit Bitcoin, Ethereum, USDT, and USDC into a centralized account to spend online or at retail points. Virtual cards are set up within five minutes and market an onboarding process that skips identity verification, while the physical card ships from Hong Kong and requires mandatory online identity checks.
The card structure carries multiple fixed and variable expenses:
- Issuance costs $25 for the Exclusive virtual tier, $40 for the Star virtual tier, and $168 for the Platinum physical card.
- Exclusive cards incur a $1 monthly maintenance fee, while Star and Platinum charge no recurring monthly fee.
- The platform levies a 1% fee on deposits and withdrawals, as well as a 1% charge on transactions below $10.
- There are no annual fees and failed transactions cost $0.
The platform offers zero cashback or staking perks across all three card tiers. Monthly spending limits are capped at $100,000 on Exclusive, $200,000 on Star, and 1,000,000 HKD on the HKD-denominated Platinum card. The cards integrate with PayPal, WeChat Pay, and Alipay. Cardholders can pay for online subscriptions like ChatGPT and Netflix or cover digital advertising campaigns on Google and Facebook.
Trustpilot withheld BingCard review ratings in August 2026 following breaches involving fake reviews, while user feedback frequently cites frozen deposits and transaction declines. The service excludes residents and legal entities from the United States, alongside countries such as the United Kingdom, Germany, France, and Italy. BingCard suits online media buyers and shoppers who want virtual cards without initial identity documentation.
Fees & limits
| Card type | Prepaid · unverified |
|---|---|
| Card format | Virtual, Physical · unverified |
| Custody | Custodial · unverified |
| KYC required ⓘ | No · unverified |
| Business card | Yes · unverified |
| Max cashback ⓘ | 0% · unverified |
| Staking needed for top rewards | No · unverified |
| Card issuance fee | $25 · unverified |
| Monthly fee | Free · unverified |
| Annual fee | Free · unverified |
| Top-up fee | 1% · unverified |
| Crypto conversion spread | 0% · unverified |
| Not available in | United States, United Kingdom, Germany, France, Italy · unverified |
| Spendable assets | BTC, ETH, USDT, USDC · unverified |
| Top-up networks | Bitcoin, Ethereum · unverified |
| Card currencies | USD, HKD · unverified |
| Spend stablecoins | Yes · unverified |
| Good for | Online shopping, Subscriptions & AI tools, Advertising · unverified |
| Virtual card fee | $25 · unverified |
Not disclosed by the provider: Card network, Rewards paid in, Welcome bonus, Foreign exchange fee, ATM withdrawals, Daily spending limit, ATM withdrawal limit, Available in, Apple Pay, Google Pay, Perks, Card issuer, Referral program.
Data from the provider's website and public sources. Fees and availability change; confirm on the official site before you sign up.
Key features
Multi-asset crypto top-ups
Card balances can be funded directly using Bitcoin, Ethereum, USDT, or USDC.
Instant virtual card issuance
Virtual cards are generated within five minutes without requiring identity verification.
High monthly spending limits
Monthly spending caps reach $100,000 on the Exclusive tier, $200,000 on Star, and 1,000,000 HKD on Platinum.
Physical Hong Kong debit card
The Platinum physical card is denominated in HKD, shipped from Hong Kong, and valid for three years.
Third-party wallet compatibility
Cards can be connected directly to PayPal, WeChat Pay, and Alipay for merchant checkout.
Inside BingCard
Virtual Exclusive
A virtual debit card issued within five minutes without identity verification, carrying a $25 issuance fee and a $100,000 monthly spending limit.
Virtual Star
A higher-tier virtual card costing $40 to issue, offering zero monthly maintenance fees and an expanded monthly transaction limit of $200,000.
Physical Platinum
A physical card denominated in HKD that ships from Hong Kong, requiring online identity verification and offering a 1,000,000 HKD monthly limit.
BingCard screenshots
User reviews
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FAQ
Who operates BingCard?
BingCard is operated by Bingcard, Inc., a financial technology company founded in December 2021.
What fees does BingCard charge?
Issuance costs $25 for Exclusive, $40 for Star, and $168 for the Platinum physical card. It also charges a 1% fee on deposits and withdrawals, with an additional 1% fee on transactions below $10.
Is KYC verification required to use BingCard?
Virtual cards are issued without initial identity verification, while the physical Platinum card requires online KYC.
Which cryptocurrencies can be used to top up BingCard?
BingCard supports top-ups in Bitcoin, Ethereum, USDT, and USDC.
Does BingCard offer cashback rewards?
No, BingCard does not offer cashback, reward points, or staking bonuses on any of its card tiers.
Where is BingCard available?
BingCard is available in 87 countries, but excludes users and corporate entities based in the United States, the United Kingdom, Germany, France, and Italy.
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