Tangem Pay
by Tangem
- Monthly fee
- Free
- Card fee
- Free
- Top-up fee
- Free
- ID check
- ID verification
- Card
- Virtual
- Phone pay
- Apple Pay, Google Pay
Our verdict
Tangem Pay joins a hardware wallet to Visa payments, keeping funds on-chain until purchase. The EAL6+ certified chip and absence of monthly fees set it apart, though it offers no rewards and supports a single token.
What we like
- +True self-custody, with funds on-chain until payment
- +EAL6+ certified chip, the highest security standard
- +No monthly or transaction fees beyond Polygon gas
- +Separate KYC keeps the main wallet anonymous
- +Never hacked, with 2M+ cards in circulation
Watch out for
- −Only USDC on Polygon at launch
- −No built-in screen to verify transactions
- −Mobile only, with no desktop app
- −Requires buying a $55-70 hardware wallet
- −Third-party swap services charge high fees
7.9/10
Editor score
Good
5.7/10
User rating
Based on 35 sources
Lv 3
KYC Level
ID verification
Global
Availability
21 countries excluded
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
- Free
- Decline Fee
- —
Limits
- Daily Spend
- $50,000
- Monthly Spend
- Unlimited
- ATM Withdrawal
- $250
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
5.7/10
Sourced from
Tangem Pay is viewed as a real technical step forward: a non-custodial virtual Visa backed by a dual-key smart contract on Polygon that spends USDC from self-custody. The Tangem app holds 4.8 out of 5 on the Play Store from over 43,000 reviews, KYC through separate partners usually takes about five minutes, and CoinBureau, The Block and CryptoSlate rate the design as an elegant approach. In practice, moving unused USDC back to the main wallet means going through DEXs such as Uniswap or services such as Changelly, which add spreads and gas costs. There are no rewards or cashback, a disadvantage against subsidized custodial cards. Support is the weakest area, with bot replies, ignored photo evidence and multi-week delays on KYC lockouts and faulty hardware, and marketing notifications cannot be turned off separately from security alerts. The EU and UK are excluded pending MiCA compliance, and some positive YouTube comments look coordinated.
Category Breakdown
Features
Supported Cryptocurrencies
Networks: Polygon
Frequently asked questions
Does the Tangem Pay require KYC?
Yes. Tangem asks for id verification before issuing the card. A government ID is checked, usually alongside email and phone.
What fees does the Tangem Pay charge?
The card has a monthly fee of free, an issuance fee of free, a top-up fee of free. See the fee table above for ATM and decline fees.
Does the Tangem Pay 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 Tangem Pay?
It is available in most countries, except Austria, Belgium, China, Czechia, Germany, Denmark, Spain, Finland, France, United Kingdom, Greece, Hungary and 9 more.
Which cryptocurrencies does the Tangem Pay support?
USDC.
Last updated August 19, 2026, verified August 6, 2026.