PintoPay Card
by PintoPay
- Monthly fee
- Free
- Card fee
- $10.00
- Top-up fee
- 2.5%
- ID check
- Not needed
- Card
- Virtual + physical
- Phone pay
- Apple Pay, Google Pay
Our verdict
PintoPay is among the quickest ways to start spending crypto without verification, using an app or Telegram bot. Its simple setup and referral rewards suit people who value convenience over features, but the fees and custodial model are drawbacks.
What we like
- +No KYC, with instant virtual card issuance
- +Supports BTC, ETH, USDT, BNB and TRX across networks
- +Cards can be issued via app or Telegram bot
- +No hidden monthly fees
- +Accepted at 10+ million merchants worldwide
Watch out for
- −$0.25 per transaction plus up to 2.5% top-up fee
- −Top-ups can take up to 12 hours
- −Card funds cannot be withdrawn back to crypto
- −No standard cashback, only referral rewards
- −Funds become custodial after top-up
8.0/10
Editor score
Good
4.8/10
User rating
Based on 49 sources
Lv 0
KYC Level
No KYC
Global
Availability
Available worldwide
Card Overview
Rewards
- Cashback
- —
- Cashback Crypto
- —
- Staking Rewards
- —
- Staking APR
- —
- Welcome Bonus
- —
- Referral Bonus
- $10
Fees
- Monthly Fee
- Free
- Card Issuance
- $10.00
- ATM Fee
- —
- FX Fee
- —
- Top-up Fee
- 2.5%
- Decline Fee
- —
Limits
- Daily Spend
- $25,000
- Monthly Spend
- Unlimited
- ATM Withdrawal
- Unlimited
Card Info
- Card Type
- Physical Card, Virtual Card
- Card Network
- Visa
- Apple Pay
- Google Pay
KYC Requirements
Level: No KYC
- ✕Email verificationNot Required
- ✕Phone verificationNot Required
- ✕Identity documentNot Required
- ✕Proof of addressNot Required
- ✕Selfie verificationNot Required
Community Sentiment
Community Score
4.8/10
Sourced from
Onboarding is the one strong point: a Telegram mini-app issues a virtual card in two to three minutes with no documents, and it works in Apple Pay and Google Pay for everyday spending, foreign subscriptions and travel, which matters to Russian and CIS users whose local cards fail abroad. Beyond that, sentiment is poor. Reviews on Trustpilot, Otzovik and X describe a repeating pattern: small top-ups work, then a larger balance leads to a freeze, a disabled card or a withdrawal that never arrives, while support answers with bot replies for weeks or months. Some users paid the issuance fee and never got a card. Costs look weak for 2026, with about $35 issuance offset by a $10 first-purchase bonus, 2.5% on every crypto load and about $0.25 per authorisation. The model is fully custodial, and Telegram as the only support channel invites impersonation. The Central Bank of Russia has flagged the project, details conflict across sources, and claimed adoption looks larger than the evidence.
Category Breakdown
Features
Supported Cryptocurrencies
Frequently asked questions
Does the PintoPay Card require KYC?
No. The PintoPay Card can be issued without identity verification. Limits and fees may be higher than on verified cards.
What fees does the PintoPay Card charge?
The card has a monthly fee of free, an issuance fee of $10.00, a top-up fee of 2.5%. See the fee table above for ATM and decline fees.
Does the PintoPay 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 PintoPay Card?
It is available worldwide, subject to the issuer's own checks.
Which cryptocurrencies does the PintoPay Card support?
USDT.
Last updated August 19, 2026, verified August 6, 2026.