Tangem Pay
Visa card from the Tangem hardware wallet team, with three tiers from free to $999 a year and up to 4% back in USDC.
Key facts
- Cashback
- 1% to 4% in USDC
- Annual fee
- Free
- FX fee
- 1.5%
- Top-up fee
- 0%
- Per-purchase fee
- None listed
- ATM
- 4% on Basic, 2% on Plus, 1% on Prestige
- Card types
- virtual, physical, metal
- Mobile wallets
- Not published
Cashback: Basic 1% (cap $100/month), Plus 2% (cap $500), Prestige 4% (cap $1,000, coming soon).
FX: Billed in US dollars. Visa rate + 1.5% on non-USD purchases.
G2M score worldwide
Where it works
- IndiaNot confirmed
- UAEAvailable
- United StatesAvailable
- United KingdomNot confirmed
- EU / EEANot confirmed
Select regions worldwide. Includes United States.
Countries
Available in 50 countries
Middle East 1
- United Arab Emirates
Asia 8
- Bangladesh
- Hong Kong
- Japan
- Malaysia
- Pakistan
- Philippines
- Singapore
- Thailand
Africa 9
- Côte d'Ivoire
- Egypt
- Ghana
- Kenya
- Morocco
- Senegal
- South Africa
- Uganda
- Zambia
North America and the Caribbean 20
- Antigua & Barbuda
- Bahamas
- Barbados
- Belize
- Cayman Islands
- Costa Rica
- Dominican Republic
- El Salvador
- Grenada
- Guatemala
- Honduras
- Mexico
- Panama
- Puerto Rico
- St. Kitts & Nevis
- St. Lucia
- St. Vincent & Grenadines
- Trinidad & Tobago
- Turks & Caicos Islands
- United States
South America 10
- Argentina
- Bolivia
- Brazil
- Colombia
- Ecuador
- Guyana
- Paraguay
- Peru
- Suriname
- Uruguay
Oceania 2
- Australia
- New Zealand
Tangem Pay has not published a full country list, so the other 200 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
- 1 currency
- Buy and sell crypto with fiat
- Buy and sell
- Spend against crypto without selling
- No
- Yield on your balance
- No
- ID check for people living abroad
- Not published
- Citizens turned away
- Not published
Tiers and plans
When a paid tier pays for itself against Basic (free), with its yearly fee and monthly cashback cap counted.
- You need to spend at least $3,000 a month for Plus ($360/yr) to beat Basic (free).
| Tier | Cost per year | Cashback | Monthly cap | FX fee | How to get it | Perks |
|---|---|---|---|---|---|---|
| Basic | Free | 1% | $100 | 1.5% | Free to join | Welcome offer: 5% on your first $500 |
| Plus | $359.88$29.99/month, free with $4,500 monthly spend or $65,000 in Yield Mode | 2% | $500 | 1.5% | — | 2 airport lounge visits a year |
| PrestigeComing soon | $999 | 4% | $1,000 | 1.5% | — | 8 airport lounge visits a year · Metal card |
Real swipe receipt
What one purchase really costs on Tangem Pay, with every fee and the cashback.
What's good
- Clear, published tier pricing
- Free Basic tier with 1% back
Watch out for
- 4% ATM fee on Basic
- Prestige not launched yet
More details
- Other fees
- Plastic card delivery from $28.82 (physical card not available yet) · Virtual card replacement $5
- Perks
- Priority Pass lounges on Plus and Prestige
- Spend from
- USDC, USDT
Sources · last checked 25 Oct 2026
- Tangem: Pay tiers explained · 6 Aug 2026
- Tangem: Terms, fees and limits for Tangem Pay cards (PDF) · 25 Oct 2026
- Tangem Pay page FAQ · 25 Oct 2026
- Tangem Help Center: Getting Started & KYC · 25 Oct 2026
Terms change often. Confirm fees and availability on the official Tangem site before you apply. Spotted something out of date? Tell us.
