Airtm USD Virtual Prepaid Card
by Airtm
- Monthly fee
- Free
- Card fee
- Free
- Top-up fee
- 1%
- ID check
- ID verification
- Card
- Virtual
- Phone pay
- Apple Pay, Google Pay
Our verdict
The Airtm card is a digital-only Visa aimed at freelancers and gig workers in emerging markets. It offers a cheap way to spend USDC around the world through mobile wallets with no foreign transaction fees.
What we like
- +No issuance or monthly maintenance fees
- +No foreign transaction (FX) fees
- +Apple Pay and Google Pay for in-store payments
- +10%+ staking APR on idle USDC
- +500+ payment methods for funding
Watch out for
- −No physical card
- −No ATM withdrawals
- −Strict KYC and many geographic restrictions
- −$1 monthly inactivity fee after 30 days
- −1% fee on first monthly top-ups
5.7/10
Editor score
Fair
4.7/10
User rating
Based on 38 sources
Lv 3
KYC Level
ID verification
Global
Availability
56 countries excluded
Card Overview
Rewards
- Cashback
- —
- Cashback Crypto
- —
- Staking Rewards
- Staking APR
- 10%
- Welcome Bonus
- $5
- Referral Bonus
- —
Fees
- Monthly Fee
- Free
- Card Issuance
- Free
- ATM Fee
- —
- FX Fee
- Free
- Top-up Fee
- 1%
- Decline Fee
- —
Limits
- Daily Spend
- $2,000
- Monthly Spend
- Unlimited
- ATM Withdrawal
- Not available
Card Info
- Card Type
- Virtual Card
- Card Network
- Visa
- Apple Pay
- Google Pay
KYC Requirements
Level: ID verification
- ✓Email verificationRequired
- ✓Phone verificationRequired
- ✓Identity documentRequired
- ✕Proof of addressNot Required
- ✕Selfie verificationNot Required
Community Sentiment
Community Score
4.7/10
Sourced from
The core idea works. The card is a Visa issued by Lead Bank with Bridge as program manager, funded from a USDC balance, so it avoids the 2-3% FX markup of regional banks. Issuance is free, there is no standard monthly fee, and the load fee is 1% on the first $200 each month, around $2 at most, with later loads that month free. Freelancers in Argentina, Venezuela, Egypt, Bolivia and Nigeria use it to spend Upwork, Deel or PayPal earnings, and it is accepted at merchants such as Meta Ads, Google Ads, Shopify, ChatGPT Plus and Netflix that often decline local cards. The problems are operational. The KYC step needed to get the card holds many users for weeks with balances trapped, answered mainly by templates, and support is rated very poorly. The Google Play rating is about 4.5 across 82,200 reviews, but recent text reviews are sharply negative and Trustpilot is near 2.6/5. Rollout is phased, so some Egyptian users hit errors and learn the card is not live in their country, withdrawals to some Visa cards in Uzbekistan and Ukraine keep cancelling, and recovering card funds means deleting the card for a fixed fee. There are no rewards beyond a $4-$10 signup bonus that often fails to trigger, and custody stays with Airtm.
Category Breakdown
Features
Supported Cryptocurrencies
Networks: Ethereum, Polygon, Tron, Stellar
Frequently asked questions
Does the Airtm USD Virtual Prepaid Card require KYC?
Yes. Airtm asks for id verification before issuing the card. A government ID is checked, usually alongside email and phone.
What fees does the Airtm USD Virtual Prepaid Card charge?
The card has a monthly fee of free, an issuance fee of free, a top-up fee of 1%, an FX fee of free. See the fee table above for ATM and decline fees.
Does the Airtm USD Virtual Prepaid Card work with Apple Pay and Google Pay?
Apple Pay is supported and Google Pay is supported, according to the issuer.
Which countries can get the Airtm USD Virtual Prepaid Card?
It is available in most countries, except Afghanistan, Albania, Angola, Bosnia & Herzegovina, Barbados, Burkina Faso, Burundi, Bhutan, Botswana, Belarus, Congo - Kinshasa, Central African Republic and 44 more.
Which cryptocurrencies does the Airtm USD Virtual Prepaid Card support?
USDC, USDT, BTC, ETH.
Last updated August 19, 2026, verified August 14, 2026.