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Trocador Swype Mastercard logo

Trocador Swype Mastercard

by Trocador

Get This Card
Monthly fee
$2.50
Card fee
$2.00
Top-up fee
3%
ID check
Not needed
Card
Virtual
Phone pay
Apple Pay, Google Pay

Our verdict

This virtual Mastercard is sold through Trocador's privacy-focused marketplace, accepts Monero and needs no identity documents. Fees are heavy, including a 3% + $2 issuance charge, $2.50 a month after the second month, $0.75 per non-US purchase and about 2% for FX. It also lacks 3D Secure and cannot be used in the US.

What we like

  • +No identity document upload needed
  • +Monero (XMR) and other privacy coins accepted
  • +Non-custodial, so Trocador never holds funds
  • +Usable internationally outside the US
  • +Works with Apple Pay and Google Pay
  • +No cap on how many cards you can buy
  • +Tor and .onion access available

Watch out for

  • −3% + $2 issuance fee on every card
  • −$2.50 monthly fee from the third month
  • −$0.75 fee on each non-US transaction
  • −About 2% FX conversion fee
  • −3D Secure is not supported
  • −Cannot be used for US purchases
  • −Each card can be loaded with at most $1000

5.5/10

Editor score

Fair

Lv 0

KYC Level

No KYC

Global

Availability

16 countries excluded

Card Overview

Trocador Swype Mastercard logo

Rewards

Cashback
None
Cashback Crypto
None
Staking Rewards
No
Staking APR
None
Welcome Bonus
None
Referral Bonus
None

Fees

Monthly Fee
$2.50
Card Issuance
$2.00
ATM Fee
Not listed
FX Fee
2%
Top-up Fee
3%
Decline Fee
Not listed

Limits

Daily Spend
$1,000
Monthly Spend
Unlimited
ATM Withdrawal
Unlimited

Card Info

Card Type
Virtual Card
Card Network
Mastercard
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

5.2/10

Sourced from

Feedback splits between the purchase service and the card itself. Monero community threads, privacy directories and independent reviewers like Trocador's no-document purchase flow, XMR funding, Tor, I2P and no-JavaScript access, its A/B partner KYC risk rating and its guarantee of up to $1,000. Trustpilot reviewers of Trocador, who rate it around 4.8 out of 5, often say its Telegram support refunded them even when the card issuer failed. Views of the Swype issuer are the opposite, at roughly 1.8 out of 5 on Trustpilot, with reports of declines on funded cards, monthly and decline fees eating leftover balances, failed activations and unresponsive support. Fees hurt most on small loads, since a flat issuance charge combines with a 3.5% to 6% conversion spread and about 2.75% FX. There are no rewards, and tests show Google Pay working online while in-person NFC payments fail. There is also no 3DS and no app for checking balances. By mid-2026 Trocador had replaced Swype with Obsidian in its international slot, so current terms should be checked before buying.

Category Breakdown

KYC Simplicity8/10
Fee Efficiency3/10
Reward Value1/10
App Experience4/10
Privacy7/10
Support Quality8/10

Features

Contactless paymentsOnline paymentsVirtual card

Supported Cryptocurrencies

BBTCBitcoinEETHEthereumXXMRMoneroLLTCLitecoinUUSDTTetherUUSDCUSD CoinAADACardanoDDOGEDogecoinAAVAXAvalancheSSOLSolana

Networks: Bitcoin, Ethereum, Monero, Litecoin, Cardano, Solana, Avalanche

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Frequently asked questions

Does the Trocador Swype Mastercard require KYC?

No. The Trocador Swype Mastercard can be issued without identity verification. Limits and fees may be higher than on verified cards.

What fees does the Trocador Swype Mastercard charge?

The card has a monthly fee of $2.50, an issuance fee of $2.00, a top-up fee of 3%, an FX fee of 2%. See the fee table above for ATM and decline fees.

Does the Trocador Swype Mastercard 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 Trocador Swype Mastercard?

It is available in most countries, except Afghanistan, Belarus, Congo - Kinshasa, Crimea, Cuba, Iraq, Iran, North Korea, Myanmar (Burma), Russia, South Sudan, Syria and 4 more.

Which cryptocurrencies does the Trocador Swype Mastercard support?

BTC, ETH, XMR, LTC, USDT, USDC, ADA, DOGE, AVAX, SOL.

Last updated August 19, 2026, verified August 11, 2026. Issuer of this card? Get your rating badge.