RivoCard Starter Virtual Card
by RivoCard
- Monthly fee
- Free
- Card fee
- Free
- Top-up fee
- 5%
- ID check
- Not needed
- Card
- Virtual
- Phone pay
- Apple Pay, Google Pay
Our verdict
RivoCard Starter is an easy-to-access virtual card for spending crypto online with no monthly or issuance costs. It charges a clear 5% top-up fee and nothing for declines or closing the account.
What we like
- +No monthly or issuance fees
- +Declined transactions cost nothing
- +Virtual Visa or Mastercard issued instantly
- +Over 50 cryptocurrencies supported
- +Tier-1 BINs give wide merchant acceptance
Watch out for
- −Fairly high flat 5% top-up fee
- −Government ID verification required
- −No Apple Pay or Google Pay
- −Only one active card at a time
6.2/10
Editor score
Fair
Lv 0
KYC Level
No KYC
Global
Availability
Available worldwide
Card Overview
Rewards
- Cashback
- 2%
- Cashback Crypto
- —
- Staking Rewards
- —
- Staking APR
- —
- Welcome Bonus
- —
- Referral Bonus
- $3
Fees
- Monthly Fee
- Free
- Card Issuance
- Free
- ATM Fee
- —
- FX Fee
- —
- Top-up Fee
- 5%
- Decline Fee
- Free
Limits
- Daily Spend
- Unlimited
- Monthly Spend
- Unlimited
- ATM Withdrawal
- Unlimited
Card Info
- Card Type
- 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
6.2/10
Sourced from
Independent feedback is sparse. Trustpilot holds the only meaningful signal, with a 4.1/5 rating that credits near-instant issuance and responsive 24/7 support. The same reviewers mention low starter limits, pricing less competitive than the advertised zero net fee suggests because of conversion spreads and a $50 minimum starting balance, and a slow web dashboard. There is no mobile app and no rewards. Privacy is good for a custodial product, with Monero funding, no KYC to start, and merchant-locked or single-use cards. Reddit and YouTube show nothing relevant, so the volume claims of 120K+ cardholders and $45M+ monthly cannot be confirmed. Testing with small amounts first is sensible.
Category Breakdown
Features
Supported Cryptocurrencies
Networks: Ethereum, Tron, Solana, Bitcoin
Frequently asked questions
Does the RivoCard Starter Virtual Card require KYC?
No. The RivoCard Starter Virtual Card can be issued without identity verification. Limits and fees may be higher than on verified cards.
What fees does the RivoCard Starter Virtual Card charge?
The card has a monthly fee of free, an issuance fee of free, a top-up fee of 5%. See the fee table above for ATM and decline fees.
Does the RivoCard Starter Virtual 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 RivoCard Starter Virtual Card?
It is available worldwide, subject to the issuer's own checks.
Which cryptocurrencies does the RivoCard Starter Virtual Card support?
BTC, ETH, USDT, USDC, XMR, LTC, DASH, SOL.
Last updated September 25, 2026, verified August 6, 2026.