BingCard Virtual Exclusive
by BingCard
- Monthly fee
- Free
- Card fee
- $25.00
- Top-up fee
- 2%
- ID check
- Not needed
- Card
- Virtual
- Phone pay
- Apple Pay, Google Pay
Our verdict
This privacy-focused virtual card offers monthly limits of up to $100,000 without KYC, which suits large online spending. The fee structure is complicated and punishing, US residents are excluded, and the corporate background is unclear.
What we like
- +No KYC verification
- +Monthly spending limit of $100,000
- +Virtual card issued instantly
- +Major stablecoins such as USDT and USDC supported
Watch out for
- −3% fee on declined transactions
- −2% top-up fee plus 2% exchange fee
- −US citizens and residents explicitly barred
- −Unclear corporate background and poor trust ratings
4.5/10
Editor score
Poor
4.2/10
User rating
Based on 38 sources
Lv 0
KYC Level
No KYC
Global
Availability
1 countries excluded
Card Overview
Rewards
- Cashback
- —
- Cashback Crypto
- —
- Staking Rewards
- —
- Staking APR
- —
- Welcome Bonus
- —
- Referral Bonus
- —
Fees
- Monthly Fee
- Free
- Card Issuance
- $25.00
- ATM Fee
- —
- FX Fee
- 1.5%
- Top-up Fee
- 2%
- Decline Fee
- —
Limits
- Daily Spend
- Unlimited
- Monthly Spend
- $100,000
- 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
4.2/10
Sourced from
Reviewers agree the card delivers what it advertises at signup: no ID, no proof of address, no credit check, a virtual card live in about five minutes, BTC, ETH, USDT and USDC funding and a $100,000 monthly cap. Reddit's r/selfhosted confirms the real use, buying domains, VPS hosting and subscriptions without linking an identity, and that is most of the appeal. Everything after issuance is disputed. Independent scorers rate it poorly: CryptoSlate 3.5/10, CryptoCardHub around 2.5/5, KYCnot.me 4/10 on 6 ratings averaging 1.7/5, NoKYCindex 4.5/10 and Gridinsoft 33/100 with a blacklist flag. Trustpilot withheld the rating on 8 August 2026 after removing fake reviews, and about 86% of recent displayed reviews were one star. Users describe USDT withdrawals stuck in Processing for six weeks or more, on-chain deposits never credited, refunds and pre-authorisation holds that never release, and support that goes through an AI bot before stalling on a finance team review. Official fee tables contradict each other ($25 issuance, $1 monthly, 1% to 2% top-up, 1% under $10, 1% cross-border, and decline fees listed as both 0% and 3%), working out near $4 per $100 spent. There is no native app and no cashback. The lone 4.8/5 on RealReviews.io looks incentivised. Treat it as a throwaway conduit for small amounts spent at once, not a place to hold money.
Category Breakdown
Features
Supported Cryptocurrencies
Networks: Bitcoin, Ethereum
Frequently asked questions
Does the BingCard Virtual Exclusive require KYC?
No. The BingCard Virtual Exclusive can be issued without identity verification. Limits and fees may be higher than on verified cards.
What fees does the BingCard Virtual Exclusive charge?
The card has a monthly fee of free, an issuance fee of $25.00, a top-up fee of 2%, an FX fee of 1.5%. See the fee table above for ATM and decline fees.
Does the BingCard Virtual Exclusive 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 BingCard Virtual Exclusive?
It is available in most countries, except United States.
Which cryptocurrencies does the BingCard Virtual Exclusive support?
BTC, ETH, USDT, USDC.
Last updated August 19, 2026, verified August 17, 2026.