Onboard USD Card
by Onboard
- Monthly fee
- Free
- Card fee
- $3.00
- Top-up fee
- Not listed
- ID check
- ID verification
- Card
- Virtual
- Phone pay
- No
Our verdict
Onboard USD Card is a simple way to turn stablecoins into dollars for Visa spending, with layered security. Withdrawals to wallets or bank accounts help connect crypto with regular finance.
What we like
- +Stablecoins convert to USD for Visa spending
- +Layered security with encryption and MFA
- +Withdraw to outside wallets or bank accounts
- +Usable wherever Visa is accepted
- +Easy top-up from Onboard or other wallets
Watch out for
- −Few public details on fees
- −A minimum balance keeps the card active
- −Built around stablecoins, with little volatile crypto support
- −Less established than larger rivals
- −Wallet addresses must be checked carefully, as errors cannot be recovered
6.9/10
Editor score
Fair
5.2/10
User rating
Based on 38 sources
Lv 3
KYC Level
ID verification
Global
Availability
Available worldwide
Card Overview
Rewards
- Cashback
- —
- Cashback Crypto
- —
- Staking Rewards
- —
- Staking APR
- —
- Welcome Bonus
- —
- Referral Bonus
- —
Fees
- Monthly Fee
- Free
- Card Issuance
- $3.00
- ATM Fee
- —
- FX Fee
- 2%
- Top-up Fee
- —
- Decline Fee
- —
Limits
- Daily Spend
- $5,000
- Monthly Spend
- $20,000
- 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
5.2/10
Sourced from
Costs are the strongest and least disputed part: no monthly fee, a $3 one-time creation fee, 1:1 stablecoin deposits and instant off-ramps from USDT or USDC into NGN, KES and other local currencies paid to local bank accounts. Flex cards add Apple Pay and Google Pay, and posts on X confirm it works for TikTok Ads, Uber, Bolt, domains and subscriptions where local cards fail. FX figures differ, 2% + $0.50 versus about 1% + $0.30, because they describe the older Classic card and its Flex replacement. Execution is where sentiment drops. Google Play sits near 3.9 from about 576 ratings and Trustpilot at 2.6 on a thin base. July 2026 reviews describe accounts announced but never accessible, plus an update that left the app frozen on its splash screen. A fixed IBAN field blocks SWIFT withdrawals to Nigerian domiciliary accounts. Support, advertised as human replies within five minutes, is said to be unable to fix routing problems lasting months. The wallet is non-custodial, but balances are bridged to a bank partner before spending, so the card works as custodial. Rewards are essentially absent, apart from a $5 referral tied to $150 of spend, and some reviewers report payouts denied.
Category Breakdown
Features
Supported Cryptocurrencies
Frequently asked questions
Does the Onboard USD Card require KYC?
Yes. Onboard asks for id verification before issuing the card. A government ID is checked, usually alongside email and phone.
What fees does the Onboard USD Card charge?
The card has a monthly fee of free, an issuance fee of $3.00, an FX fee of 2%. See the fee table above for ATM and decline fees.
Does the Onboard USD Card work with Apple Pay and Google Pay?
Apple Pay is not supported and Google Pay is not supported, according to the issuer.
Which countries can get the Onboard USD Card?
It is available worldwide, subject to the issuer's own checks.
Which cryptocurrencies does the Onboard USD Card support?
The issuer does not list supported assets.
Last updated August 19, 2026, verified August 6, 2026.