Karta.io Card
Visa Signature card run from a Telegram app, topped up with USDT or USDC on eight networks. Every card payment carries a 1.5% fee.
Key facts
- Cashback
- Not published
- Annual fee
- Free
- FX fee
- 1%
- Top-up fee
- 0%
- Per-purchase fee
- 1.5%
- ATM
- 1 USDT + 2.5% per withdrawal
- Card types
- virtual, physical
- Mobile wallets
- Apple Pay + Google Pay
Cashback: No cashback on your own spending. You earn cashback on the spending of friends you refer.
FX: Billed in US dollars. Visa adds 1% on payments in other currencies, on top of Karta's 1.5% fee on every card payment.
G2M score worldwide
Where it works
- IndiaNot confirmed
- UAENot confirmed
- United StatesNot available
- United KingdomNot confirmed
- EU / EEANot confirmed
Not published; depends on local rules and card partners.
Countries
Karta.io Card has not confirmed any country yet.
Not available in 1 country
- United States
Karta.io Card has not published a full country list, so the other 249 countries are not confirmed either way. Check with the issuer before you apply.
Banking features
- Bank account (IBAN or account number)
- In your name
- Send money to a bank account
- No
- Buy and sell crypto with fiat
- Buy only
- Spend against crypto without selling
- No
- Yield on your balance
- No
- ID check for people living abroad
- A residence permit or local ID where you live is accepted
- Citizens turned away
- United States
Tiers and plans
| Tier | Cost per year | Cashback | Monthly cap | FX fee | How to get it | Perks |
|---|---|---|---|---|---|---|
| Karta Personal | FreeOne-time: 5 USDT for the virtual card, from 100 USDT for a physical card | Not published | — | 1% | Free to join | — |
Real swipe receipt
What one purchase really costs on Karta.io Card, with every fee and the cashback.
What's good
- Free crypto top-ups on eight networks
- Virtual card for a one-time 5 USDT
- Self-custody wallet
Watch out for
- 1.5% fee on every card payment
- No cashback on your own spending
- Country list not published
More details
- Other fees
- Virtual card: 5 USDT one-time · Plastic card: 99 USDT pre-order, plus shipping (not published) · Bank payouts: coming soon
- Perks
- Visa Signature · Fiat top-ups by ACH, SEPA, SWIFT, PIX and SPEI
- Spend from
- USDT, USDC
Sources · last checked 25 Oct 2026
- Karta: fees and limits · 25 Oct 2026
- Karta Help Center: Are there any fees for using Karta Personal? · 24 Oct 2026
- Karta Personal Help Center: FAQ: Preorder Physical Cards · 24 Oct 2026
- Karta Personal Help Center: How to top up via virtual account · 24 Oct 2026
- Karta Personal Help Center: What are Virtual Accounts and how do they work? · 24 Oct 2026
- Karta Personal Help Center: What fund transfer methods are available? · 24 Oct 2026
- Karta Personal Help Center: What are the costs for storing stablecoins? · 24 Oct 2026
- Karta Personal Help Center: Who Can Get a Karta Personal Card? · 25 Oct 2026
- Karta Card Terms (B2C) · 25 Oct 2026
- Karta Personal Help Center: Which documents are accepted for identity verification? · 25 Oct 2026
- Karta Personal Help Center: What stablecoins can I use to top up my account? · 25 Oct 2026
Terms change often. Confirm fees and availability on the official Karta.io site before you apply. Spotted something out of date? Tell us.
