This card has been discontinued. The page is kept for reference.
Spendly Card
by Spendly
- Monthly fee
- Free
- Card fee
- Free
- Top-up fee
- Not listed
- ID check
- Not needed
- Card
- Virtual
- Phone pay
- No
Our verdict
Spendly Card offered near-anonymous crypto spending with BTC, ETH, SOL and USDT. Privacy-minded users liked the lack of questions, but the 4.5% top-up fee was higher than rivals, and the service now appears to be defunct.
What we like
- +Little or no KYC
- +Supports BTC, ETH, LTC, SOL and USDT
- +Works with Apple Pay and Google Pay
- +Virtual cards for fast access
- +US company incorporated in Delaware
Watch out for
- −4.5% top-up fee plus $7 to create a card
- −No ATM access, so no cash withdrawals
- −Card expires after 12 months
- −Cannot be used with PayPal, CashApp or Venmo
- −Few independent reviews
7.0/10
Editor score
Good
Lv 0
KYC Level
No KYC
Global
Availability
Available worldwide
Card Overview
Rewards
- Cashback
- —
- Cashback Crypto
- —
- Staking Rewards
- —
- Staking APR
- —
- Welcome Bonus
- —
- Referral Bonus
- —
Fees
- Monthly Fee
- Free
- Card Issuance
- Free
- ATM Fee
- —
- FX Fee
- —
- Top-up Fee
- —
- Decline Fee
- —
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
4.3/10
Sourced from
Research agrees that the product no longer operates. The domain was registered in June 2025 and lapsed about a year later, it fails SSL testing, the Terms page returns a 404 and business directories list the card as discontinued. Onboarding was the one strength, a virtual Visa issued in minutes without passport or selfie, added to Apple Pay and Google Pay and funded with BTC, ETH, SOL, LTC or USDT. Costs were among the worst in the sector: 4.5% on each top-up, a $7 creation fee, no rewards, no ATM access, a BIN blocked from PayPal, CashApp and Venmo, and a 12-month expiry forcing repeat fees. The model was custodial, so users have no on-chain recourse now. Independent evidence is thin, with no YouTube or Trustpilot presence and searches swamped by unrelated budgeting apps. The official X account acknowledged a security incident at a bank partner, trust scanners rate the domain very low, and comparison threads favoured regulated cards like Gemini, Coinbase and Bleap.
Category Breakdown
Features
Supported Cryptocurrencies
Frequently asked questions
Does the Spendly Card require KYC?
No. The Spendly Card can be issued without identity verification. Limits and fees may be higher than on verified cards.
What fees does the Spendly Card charge?
The card has a monthly fee of free, an issuance fee of free. See the fee table above for ATM and decline fees.
Does the Spendly 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 Spendly Card?
It is available worldwide, subject to the issuer's own checks.
Which cryptocurrencies does the Spendly Card support?
BTC, ETH, USDT.
Last updated October 8, 2026, verified August 6, 2026.