SiraPay Free Plan
by SiraPay
- Monthly fee
- Free
- Card fee
- Not listed
- Top-up fee
- Free
- ID check
- Email only
- Card
- Virtual
- Phone pay
- Apple Pay, Google Pay
Our verdict
The SiraPay Free Plan is a basic virtual card that asks for no government ID or face scan. Its fees are very competitive, with no monthly, deposit or decline charges, though funds are held custodially.
What we like
- +No monthly subscription fee
- +No government ID or facial verification
- +No fee on declined transactions
- +Supports Apple Pay and Google Pay
- +0% deposit fee through Binance Pay
Watch out for
- −Virtual card only, no physical option
- −Maximum of 5 cards per account
- −Funds are held custodially
- −Limited cryptocurrency support
8.3/10
Editor score
Good
5.8/10
User rating
Based on 36 sources
Lv 1
KYC Level
Email only
Global
Availability
Available worldwide
Card Overview
Rewards
- Cashback
- —
- Cashback Crypto
- —
- Staking Rewards
- —
- Staking APR
- —
- Welcome Bonus
- —
- Referral Bonus
- —
Fees
- Monthly Fee
- Free
- Card Issuance
- —
- ATM Fee
- —
- FX Fee
- —
- Top-up Fee
- Free
- 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: Email only
- ✓Email verificationRequired
- ✕Phone verificationNot Required
- ✕Identity documentNot Required
- ✕Proof of addressNot Required
- ✕Selfie verificationNot Required
Community Sentiment
Community Score
5.8/10
Sourced from
The main finding is how little independent evidence exists: Capterra has no reviews, Trustpilot has no profile, the official X account draws almost no engagement, and no independent video review turned up. The core promise is well supported, as Product Hunt users confirm a virtual card issued in seconds with no ID or biometrics, and the pricing is competitive: a free tier with up to five cards, $0.99 monthly, $4.99 yearly, and no decline or deposit fee. On the other side, the Android app is slow to load and comes from a solo developer account with an inconsistent location. The operator, SIRA INTERNATIONAL LTD, was incorporated only in November 2025 and is registered as a software and advertising company, not an FCA-authorised EMI. Deposits are Binance Pay USDT only, and a planned Cryptomus partnership brings AML concerns. There is no standing rewards program, just a one-off Eid draw. It looks best as a low-balance, spend-only card for subscriptions and ad spend.
Category Breakdown
Features
Supported Cryptocurrencies
Frequently asked questions
Does the SiraPay Free Plan require KYC?
Yes. SiraPay asks for email only before issuing the card. Only an email address is needed to open an account.
What fees does the SiraPay Free Plan charge?
The card has a monthly fee of free, an issuance fee of not disclosed, a top-up fee of free. See the fee table above for ATM and decline fees.
Does the SiraPay Free Plan 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 SiraPay Free Plan?
It is available worldwide, subject to the issuer's own checks.
Which cryptocurrencies does the SiraPay Free Plan support?
USDT, USDC.
Last updated August 26, 2026.