Cryptomus Virtual Crypto Card
by Cryptomus
- Monthly fee
- Not listed
- Card fee
- $4.00
- Top-up fee
- 3.2%
- ID check
- ID verification
- Card
- Virtual
- Phone pay
- Apple Pay, Google Pay
Our verdict
The Cryptomus Virtual Crypto Card is built for stablecoin users, with Apple Pay and Google Pay, high spending limits and a wide range of BINs for global acceptance. It charges a large top-up fee, requires full KYC, and the company recently faced a major AML-related fine.
What we like
- +Apple Pay and Google Pay supported
- +Over 70 BINs for broad merchant acceptance
- +High daily spending limit of $10,000
- +Virtual card issued instantly in the mobile app
- +Several blockchain networks accepted for USDT and USDC funding
Watch out for
- −3.2% fee on every card top-up
- −No physical card
- −Strict Level 3 KYC verification
- −Long list of excluded countries, including the US
- −Company recently received a major AML-related fine
3.5/10
Editor score
Poor
Lv 3
KYC Level
ID verification
Global
Availability
23 countries excluded
Card Overview
Rewards
- Cashback
- None
- Cashback Crypto
- None
- Staking Rewards
- Staking APR
- 20%
- Welcome Bonus
- None
- Referral Bonus
- None
Fees
- Monthly Fee
- Not listed
- Card Issuance
- $4.00
- ATM Fee
- Not listed
- FX Fee
- 3.9%
- Top-up Fee
- 3.2%
- Decline Fee
- Not listed
Limits
- Daily Spend
- $10,000
- Monthly Spend
- $25,000
- ATM Withdrawal
- Unlimited
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
4.5/10
Sourced from
Feedback splits between an excellent mobile app and costly economics. Developers praise the card as a B2B routing tool for its API depth, WooCommerce and React integrations and 70+ BIN network, which suits fast digital ad spend. The app holds a 4.8 out of 5 rating on Google Play across 5,100+ reviews, with users liking its clean design, fast internal transfers and easy card management. The 3.2% stablecoin top-up fee and $4 issuance cost make it poor value for ordinary consumers, and there is no cashback. KYC experience varies, with some users passing in under 2 minutes and others reporting repeated failures and manual reviews lasting weeks. A December 2024 KrebsOnSecurity investigation named Cryptomus as the payment processor for 120+ Russian-speaking cybercrime services, which raises serious AML and fund seizure concerns for users. Support is mixed: developer tickets can be resolved in about 2 hours, while retail and AML hold cases often take weeks with unhelpful replies. It is best used as a short-term, low-balance tool for high-risk digital marketers rather than a retail financial product.
Category Breakdown
Features
Supported Cryptocurrencies
Networks: Arbitrum, Avalanche, BNB Chain, Ethereum, Polygon, Solana, TON, Tron
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Frequently asked questions
Does the Cryptomus Virtual Crypto Card require KYC?
Yes. Cryptomus asks for id verification before issuing the card. A government ID is checked, usually alongside email and phone.
What fees does the Cryptomus Virtual Crypto Card charge?
The card has a monthly fee of not disclosed, an issuance fee of $4.00, a top-up fee of 3.2%, an FX fee of 3.9%. See the fee table above for ATM and decline fees.
Does the Cryptomus Virtual Crypto 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 Cryptomus Virtual Crypto Card?
It is available in most countries, except Bahamas, Belarus, Central African Republic, Congo - Brazzaville, Cuba, Ecuador, Iran, Japan, Kenya, Cambodia, North Korea, Lebanon and 11 more.
Which cryptocurrencies does the Cryptomus Virtual Crypto Card support?
USDT, USDC.
Last updated August 19, 2026, verified August 6, 2026. Issuer of this card? Get your rating badge.