Xkard Essential Card
by Xkard
- Monthly fee
- $9.00
- Card fee
- $108.00
- Top-up fee
- 4.5%
- ID check
- Not needed
- Card
- Virtual
- Phone pay
- Apple Pay, Google Pay
Our verdict
The Essential Card is a virtual, prepaid product built around anonymity, with a yearly spending ceiling of $25,000. It suits people who put privacy first and spend modestly, but the fees and funding limits take away some of the appeal.
What we like
- +No identity verification needed
- +Works with Apple Pay and Google Pay for tap payments
- +Virtual card issued immediately
- +Available worldwide except sanctioned regions
Watch out for
- −Steep 4.5% fee on each recharge
- −Annual subscription is due upfront
- −No physical card offered
- −Can only be funded with USDT
6.5/10
Editor score
Fair
Lv 0
KYC Level
No KYC
Global
Availability
5 countries excluded
Card Overview
Rewards
- Cashback
- None
- Cashback Crypto
- None
- Staking Rewards
- No
- Staking APR
- None
- Welcome Bonus
- $5
- Referral Bonus
- None
Fees
- Monthly Fee
- $9.00
- Card Issuance
- $108.00
- ATM Fee
- Not listed
- FX Fee
- Not listed
- Top-up Fee
- 4.5%
- Decline Fee
- Not listed
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
5.2/10
Sourced from
The card does what it promises. Signup takes an email and a phone code, a virtual Visa or Mastercard arrives within seconds, and it adds to Apple Pay and Google Pay without trouble. Users in Indonesia, Argentina and Venezuela are among the most positive, since it lets them use mobile wallets their local banks do not support. Cost is the main complaint: a $108 yearly subscription, a 4.5% USDT recharge fee, a currency conversion and network FX combine into roughly 8-12% overall for many users, with some reporting 10-15%. A larger worry is that deposits are screened on-chain, and some users say funds were frozen over indirect mixer exposure and then followed by a request for the very ID documents they wanted to avoid. Support gets criticized for long waits on refunds and repeated forms, though the team did refund frozen balances after a 2025 outage. Much of the online coverage is affiliate-driven, so independent reports are thin and the overall tone is cautious.
Category Breakdown
Features
Supported Cryptocurrencies
Networks: BNB Chain, Tron
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Frequently asked questions
Does the Xkard Essential Card require KYC?
No. The Xkard Essential Card can be issued without identity verification. Limits and fees may be higher than on verified cards.
What fees does the Xkard Essential Card charge?
The card has a monthly fee of $9.00, an issuance fee of $108.00, a top-up fee of 4.5%. See the fee table above for ATM and decline fees.
Does the Xkard Essential Card 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 Xkard Essential Card?
It is available in most countries, except Cuba, Iran, North Korea, Russia, Syria.
Which cryptocurrencies does the Xkard Essential Card support?
USDT.
Last updated August 19, 2026, verified August 6, 2026. Issuer of this card? Get your rating badge.