What the Kazepay card really costs, and what it does not tell you

Updated October 2026

Licensed

Available in US

Fast payouts

18+ Only

Kazepay sells itself as a “privacy first crypto debit card” and says you can transfer your crypto across 210 countries. Underneath that is a prepaid-style card product with virtual and physical versions, coin support for the usual majors plus two dollar stablecoins, and a genuinely wide stated reach. It is also a product whose public pages leave a surprising number of numbers unfilled in — issuance fees, card currency, spending limits, replacement cost. That combination is what shapes this review: the card looks promising for a specific kind of user, and frustrating for anyone who wants to know the price before committing money.

I score it 6.9 out of 10. That is not a bad score. It is a “works as described if you already know what you are doing, and read the fine print yourself” score. Below I walk through who gets the card, how you apply, what it actually costs line by line, how you load it, what breaks, and who I would hand it to.

The conditions described here are current as of October 28, 2026.

The score, and who this card actually suits

Six point nine. Let me be more useful than the number itself by telling you which parts produced it.

The strongest line is access. The weakest is cost, and not because the fees are outrageous — they are, in places, quite ordinary — but because Kazepay does not publish its own numbers. It says “no hidden fees” and then leaves the amounts blank.

Who does this suit? Someone privacy-minded who holds USDT or USDC, already lives in a supported country, is comfortable handling an app and a wallet address, and would rather not have their spending tied to a traditional bank account. Who does it not suit? Someone who needs a hard number for the cost of a card before they order it, someone who lives in one of the six countries listed as restricted, or someone who expects Apple Pay on the physical card — the official site says it works, and a third-party source says it does not. That contradiction matters and I come back to it later.

Will they give you the card?

The headline claim is “Transfer Your Crypto Across 210 Countries”. No countries are named as excluded on the official pages.

Unofficial information — not confirmed by Kazepay’s own pages — puts actual availability at 171 countries, with China, Cuba, Iran, North Korea, Russia and Syria restricted, and Hong Kong missing from the list. The same source makes a distinction worth holding on to: the “210 countries” figure refers to where the card can be *used*, not where you can *sign up*. Those are different questions, and people routinely conflate them.

So how do you answer “is Kazepay available in my country”? Honestly: the official page will not tell you either way. The card is described as being for users across 210 countries with no exclusion list. A third party, not the company, says six specific countries are closed. Before you spend time on an application, the practical move is to contact their support with your country of residence and read what comes back.

How to get it

The application path is short on the card’s own description and vague on detail. Here is what is actually stated.

KYC is required for card issuance. Everything else about the verification process is not stated: the card’s public pages say the card can be requested “once you’re approved” and stop there. Information on documents, age thresholds, processing times and rejection reasons is not publicly provided.

Unofficial information — again not confirmed by Kazepay — describes KYC as required for all cards including virtual ones, and says older descriptions of a no-KYC card are obsolete. According to that source you would supply a legal name, date of birth, residential address, country, and a passport or ID card; the terms permit proof of address, a selfie and source-of-funds checks; and approval is not guaranteed.

That last clause is the one I would hold onto. “Approval is not guaranteed” is a normal sentence, but on a product whose whole pitch is access, it is worth understanding that passing the checks and being issued a card are two separate events.

On the card itself: Kazepay offers both virtual and physical cards, and says they work on “major payment networks”. The networks are not named in the text — a Mastercard logo appears in an image caption only, which is not the same as a statement. The card currency is not stated either, which turns out to matter a great deal once you start spending.

Delivery is where the practical friction sits. Physical card availability depends on your country of residence, and the company’s own advice is to confirm with support first. Shipping fees are paid by the applicant. Delivery time is not stated, and neither is the cost of a replacement card. Virtual cards are described with “Instant Account Activation” — which tells you about activation, not necessarily about receiving usable card details.

One card-management detail worth knowing: you can hold up to five physical cards per user, starting with one. Virtual cards are described as having no fixed limit.

Fees: what it really costs

This is the weakest part of the review, and I want to be careful about why. It is not that the fees are hidden — the card openly describes a percentage-based structure. It is that the card’s own public pages do not put numbers on several of the lines, and the numbers that do exist come from an unofficial source.

Let me start with what is confirmed.

The card states there are no spending transaction fees. It also states that fees “may” apply to ATM withdrawals and to currency conversion, and that fee waivers apply between KazePay users. Those are real statements, and the last one is quietly useful if you move money to another KazePay user.

Here is the cost picture as it stands, marking clearly where each line comes from:

Now let me put three everyday payments through that table, because abstract percentages hide more than they reveal.

A $20 coffee paid with the virtual card. You add $20 of crypto balance, then spend it. On the recharge you pay 1.8%–2.2%, so roughly 36–44 cents. The card says no spending transaction fees, so the payment itself adds nothing. Then there is the layer underneath: conversion is handled by the bank and the card network at the moment of the transaction, with rates and fees varying by bank, acquirer and country. If the coffee shop is in a currency other than your card’s, a further spread applies. Since the card’s currency is not stated anywhere, you cannot predict this part from the public pages. That is the honest answer: on the card’s own numbers, small payments cost you under a dollar in fees, but the FX component is outside the card’s published figures.

A $200 online subscription. Same recharge percentage, so 1.8%–2.2%, roughly $3.60–4.40. Merchant refunds behave differently depending on which card you hold: on physical cards, merchant refunds are credited back, with timing depending on the merchant and the acquirer. On virtual cards, refunds are not guaranteed and may fail to credit back. If your subscription is on a virtual card and it double-charges or fails to cancel, the money may simply not come back through the card. The route is to contact the merchant first, then Kazepay support.

A $60 ATM withdrawal with the physical card. The unofficial figure is 2% per transaction with a $1 minimum, plus whatever the local ATM charges — so $1.20 plus the ATM operator’s own fee. Against that, the ATM allowance is $1,500 a day, up to 6 withdrawals, and $15,000 a month. Those are generous numbers for cash. It is worth noting that all of them come from an unofficial source, so I would treat them as a good indication rather than a promise.

One more unofficial line that most people will miss: chargeback processing is described as $35 unless waived. A chargeback is a refund the issuer orders to settle a dispute — fraud, duplicate billing, goods not received. If you dispute a transaction and it goes against you in processing terms, that cost lands on you.

What the pricing page does not do

The card’s pricing page has no amounts on it. It points to an FAQ and a User Guide PDF (version 5.0), which was not available to me. Everything numeric I have quoted for issuance and monthly fees comes from a third-party description dated 11 August 2026, and I am passing it to you as unofficial and unconfirmed by the card. The same source describes Silver and Gold virtual annual limits only as “standard” and “higher” without numbers, and says the replacement card price is not published.

If the cost of getting a card matters to your decision, that gap is the answer to your question: you will have to ask support before you order, not after.

How to top it up

Topping up is the part of this card that is genuinely well built, and it is why the card scores 8 out of 10 here.

You convert crypto into fiat at the point of purchase. The logos shown are BNB, BTC, ETH, USDC and USDT. Networks are not stated for the purchase step, and that is a real limitation — sending on the wrong network is the classic way to lose money.

On the funding side the details are clearer. Funds move from your wallet to the card in USDT or USDC. The physical card recharge is 2%, the virtual card 1.8%–2.2%. The physical card has a single top-up limit of $500, with multiple top-ups allowed. No minimum top-up is stated. The network fee for a top-up is not stated either — and remember that on-chain network fees are charged by the blockchain, not by the card provider, so they will appear separately from anything above.

Withdrawals only come from your wallet balance; card balances cannot be withdrawn to a bank account. Timing: on weekdays, Monday to Friday, 9:30am to 6:00pm, up to 8 hours; on weekends, up to 24 hours. Supported networks for withdrawal are BSC, Solana, Aptos, Tron, Base, Avalanche and Arbitrum. Internal transfers between KazePay users are near-instant and carry no network fee, which is the single most convenient feature on this page. The withdrawal fee amount is not stated, and neither is the balance on account closure — both of which you should ask about.

The networks question, briefly

Because it catches people: USDC and USDT each live on many networks, and they are not interchangeable. USDT has been issued on networks including Ethereum, Tron, Solana, Polygon and Avalanche. Circle stopped supporting USDC on Tron in February 2024, so “USDC over TRC20” is not a native option. Blockchain transfers are irreversible, so a deposit sent on a network the provider does not support, or to an address belonging to another network, can be lost or need manual support recovery with no guarantee. Check the network selector every single time.

Paying with it every day

Day to day, the card behaves like a prepaid card. That is the honest description: crypto is converted and loaded as a fiat or stablecoin balance, and the card spends only that balance, so it cannot overdraw. What you do not get is a bank account behind it, which is exactly why the conversion layer matters and why the undisclosed card currency is a genuine gap.

Apple Pay and Google Pay are the headline conveniences, and the card states that the virtual card supports them and that the physical card is also compatible. Third-party information says the opposite — that the physical card does not support Apple Pay or Google Pay, and that virtual card support depends on the card and the bank. That directly contradicts the official page. My advice: if adding to a phone wallet is central to how you would use this card, ask support which card in which country supports it, and only then decide.

Beyond the wallet, the app is your control centre. The card is requested “through the app or website”, though the home page carries no App Store or Google Play links — so I cannot tell you what the app experience looks like, and the rewards structure is not stated at all.

On the risk-screening side, the wallet performs address risk assessment. Addresses tied to exchanges, sanctioned entities, darknet markets and mixers are flagged. Which merchant category codes are blocked is not stated, so you cannot predict which merchants will be refused at checkout. Worth knowing: gambling sits under merchant category code 7995, and many issuers block it by policy rather than by law, with the blocked list varying by issuer.

Disputes have a stated route: contact the merchant first, then Kazepay support. The chargeback time frame is not stated, and as above, there is an unofficial $35 processing fee.

What can go wrong

The company behind the card is legible, the issuer is not. Kazepay is described as a “privacy first crypto debit card by METABANK INC (20231581273)”. KAZEFI is the parent, operated in Hong Kong under INFI TECH (75447118). The card issuer or BIN sponsor is not stated. In this product category that matters more than it might look: a card number begins with a 6- or 8-digit issuer identification number, and merchants can look it up to see which institution and which country issued it — and may apply extra scrutiny when the issuer country differs from the customer’s billing address. A card issued in one country can look “foreign” to a shop in another, and a prepaid or foreign-issued card gets declined more often. Not knowing the issuer country is not a small detail.

No complaints found — and that cuts both ways. A search of Reddit and Trustpilot for Kazepay card complaints returned nothing about Kazepay; the results were for Tazapay, a different company. There is no Trustpilot page for the service, and no user reports were found. Read that carefully. It can mean a clean record, and it can also mean a young or small service with little public history. Neither reading tells you the account will be there in five years.

This category has a history of programmes closing. Visa and Mastercard do not issue crypto cards to consumers themselves; they license issuers and can suspend a programme. In November 2022 Visa said it had terminated its global agreements with FTX, and the FTX US debit card programme was wound down by its issuer. WaveCrest, a Visa card issuer that supplied crypto card brands, was suspended by Visa in Europe in 2018, closing all WaveCrest-issued Visa programmes. Closures typically follow a pattern: a notice period, then loading and spending stop, then users are asked to withdraw remaining balances. With Kazepay, the withdrawal fee amount and the balance on closure are both unstated — which is exactly what you would need at that moment.

Holds on declined payments. A declined authorisation may leave a hold on your funds that stays for several days, typically up to 7.

Custody questions are left open. The security features are a real list: wallet address risk assessment, multi-signature wallets, two-factor authentication with a code sent to a mobile number, biometric login, an “Instant Account Freeze”, and user-defined transaction limits. For an unauthorised transaction the advice is to freeze the card in the app and contact support. What is not stated is the custody model and whether any insurance applies. That distinction is fundamental: with a custodial wallet the provider holds the credentials and you must trust it completely, while a seed phrase — typically 12 to 24 words — in the wrong hands lets anyone restore the wallet and spend the funds, with no built-in recovery because the network cannot reverse a transfer. Holding funds with a custodian also carries counterparty and hack risk, and the category’s record includes Mt. Gox (about US$350 million reported stolen, 2011–2014), Coincheck (about US$400 million, 2018) and the Ronin Network (US$625 million, 2022).

Tether freezes. Tether says it disables tokens in wallets on the OFAC sanctions list and has frozen funds tied to illicit activity. Stablecoins are not censorship-proof, whatever the marketing says.

Depegging. Stablecoins aim to hold a stable value, and despite the name they are not necessarily stable. TerraUSD collapsed in May 2022, and USDC temporarily lost its peg in March 2023 during the US banking crisis. The BIS put about 90% of stablecoin market capitalisation in USDT and USDC as of July 2025 — which concentrates the category, it does not stabilise it.

Taxes. I am not giving tax advice and you should check with a professional, but the mechanics are worth knowing. The IRS treats digital assets as property, so exchanging them for goods, services or dollars generally produces a taxable gain or loss. For personal holdings the result is a capital gain or loss, short-term if held a year or less, measured in local fiat currency at fair market value on the transaction date. The practical consequence for a card user: each payment funded from crypto may be a separate disposal.

KYC restrictions are real and general. Regulated businesses must verify customers and assess risk under anti-money-laundering law, including ongoing monitoring and suspicious-activity reporting. In the EU, due diligence covers name, address, date of birth, nationality, identity documentation, a sanctions check, the purpose of the relationship, and politically exposed person status; if it cannot be completed, EU rules require the institution to refrain from the transaction and, where necessary, end the relationship. That is why accounts close or freeze pending documents. In the US, the customer identification programme requires name, date of birth, address and an identification number. Nationality is screened separately from residence, because sanctions screening and issuer policy are often applied to citizenship and country of birth as well as address. And prepaid and debit cards are generally available to adults 18 and over, though some issuers set higher limits. Kazepay’s own terms note that use may be restricted by local regulations and country eligibility.

What to take instead

If the missing cost figures decide it for you, the alternatives below are worth a look. All three are prepaid-style crypto cards of the same generation, so the comparison is fairly even — but each publishes differently.

Bitrefill is the closest substitute on transparency of a different kind: it at least tells you the card is free through the app, and it publishes a rewards structure — 2% total cashback with no cap, split 1% on each crypto deposit and 1% on each purchase. Its costs are also vaguer than Kemy’s in places: the deposit spread percentage is not stated, SEPA pay-in is 1.99%, and there is a spread applied by payment processors and ATM operators. Its terms put card currency in euros by implication, since crypto deposits convert to euros. Eligibility is “subject to eligibility criteria” and to further requirements set by partners. Accepts Bitcoin, Lightning, Ethereum, USDC, USDT, Solana, Base, Polygon, and Apple Pay, Google Pay, Visa and Mastercard, though those are listed on a “Buy with” line rather than as card funding, and SEPA transfer is supported per the terms.

UPay sits in the middle. It offers virtual and physical options, personal and business cards, payments converting to USD, EUR, AED and others, and wallet top-up with BTC, ETH, USDT and USDC, with networks not stated. Costs are not stated at all. It claims support in 180+ countries while also saying it does not serve residents of certain countries, with the list liable to change with regulatory or issuer policy — and its KYC partner accepts only ID documents issued in the same country as the user, which is a real constraint for anyone whose documents and residence do not match.

Kemy is the most expensive and the most explicit. Virtual cards are $15 to issue, valid 3 years, at $2 a month; the physical card is $250 with DHL Express included, one per user, at $10 a month. Top-up is $1.5 under $100 or 1.25% from $100, with a $5 minimum, and a transaction fee of 3.5% plus $1; a failed transaction costs $0.80. It claims “190+ countries” with “a few restrictions apply” and eligibility checked at sign-up, offers unlimited virtual cards and one contactless Mastercard, and accepts USDT and USDC “on the main networks” plus BTC, ETH and SOL through an on/off ramp. One internal inconsistency to note: its deposit fee appears as 8% in a summary and 5% in a section.

If your decision turns on knowing the cost up front, Kemy publishes the most; if it turns on cashback, Bitrefill is the only one of the four stating a rewards rate; if it turns on reach, Kazepay’s 210-country claim is the loudest, though the unofficial 171-country figure is the more concrete one.

Who I would recommend it to

I would recommend the Kazepay card to someone who already holds USDT or USDC, lives in one of the countries it actually serves, and treats the card as a private spending wallet rather than as a bank account. Under those conditions it does what it says: you load a stablecoin balance, you spend it like a prepaid card, you can add it to a phone wallet, you can pull cash at an ATM, and you can move funds to another KazePay user without a network fee.

I would hold it back from anyone who needs certainty about total cost, because Kazepay does not publish it. I would hold it back from anyone whose documents and residence do not match, and from anyone in a country where the rules around crypto cards are unclear, because the card itself says use may be restricted by local regulation and country eligibility. And I would hold it back from anyone planning to spend the card’s balance long-term: withdrawal only works from the wallet balance, card balances cannot be withdrawn, and neither the withdrawal fee nor the balance on closure is published.

The honest summary is this: the top-up side is strong and the information is better than most cards in this category, the access is wide, the security checklist is credible, and the cost side is under-published. If you are comfortable doing the asking before the spending — which country, which issuer, which card type, what fee, what happens at closure — then it is a reasonable card. If you were hoping to read the price list and decide, you will not get that here, and you should pick one of the alternatives above instead.

Frequently asked questions

What is the Kazepay card?

Kazepay is a “privacy first crypto debit card” offered by METABANK INC, with KAZEFI as parent operated in Hong Kong under INFI TECH. It comes in virtual and physical versions, works like a prepaid card, and you load it with crypto converted into a spendable balance. The card says you can transfer your crypto across 210 countries.

Is Kazepay a bank?

Not on the evidence available. The card describes itself as a debit card issued through a programme, but the actual card issuer and BIN sponsor are not stated publicly. The card number will still start with an issuer identification number that merchants can look up, and the issuer country affects how often a card gets declined.

How does Kazepay card work?

You convert crypto to fiat or stablecoin balance, load it to your card in USDT or USDC, and the card spends only that balance, so it cannot overdraw. Recharges cost 1.8%–2.2% for virtual cards and 2% for physical ones. Conversion at the point of sale is handled by the bank and card network, with rates varying.

Does Kazepay card require KYC?

Yes. KYC is required for card issuance, and unofficial information indicates it applies to virtual cards too, with earlier no-KYC descriptions now obsolete. Documents and age requirements are not stated on the card’s own pages, and approval is not guaranteed according to third-party terms.

How much does a Kazepay card cost?

Officially, the pricing page has no amounts on it. Unofficial figures from August 2026 list Silver virtual at $25, Gold virtual at $49 and Physical at $99, with no monthly or inactivity fee. A chargeback processing fee of $35 unless waived is also mentioned there. None of this is confirmed by the card.

Is Kazepay card free?

The card states there are no spending transaction fees, which is the part that matters most in daily use. It does not publish an issuance amount or a monthly fee. Charges you should assume are real are the 1.8%–2.2% or 2% recharge, the 2% ATM fee with a $1 minimum plus local ATM fees, and whatever spread your bank applies on conversion.

How do I top up the Kazepay card?

You buy crypto through the app or site — BNB, BTC, ETH, USDC and USDT are shown — and funds move from your wallet to the card in USDT or USDC. The physical card has a $500 single top-up limit with multiple allowed. No minimum is stated, and check the network before sending, because transfers are irreversible.

Can I use the Kazepay card in Apple Wallet?

Officially yes: the card says the virtual card supports Apple Pay and Google Pay and that the physical card is also compatible. A third-party source contradicts this and says the physical card does not. If it matters to you, ask support which card in which country works before you commit.

Is Kazepay card safe?

The security features are credible: two-factor authentication, biometric login, multi-signature support, address risk screening, instant freeze and user-defined spending limits. What is not stated is the custody model and whether insurance applies. There are also no meaningful public complaint records to judge, and this category has a history of programmes closing.

Is the Kazepay card worth it?

Worth it if you hold USDT or USDC, live in a supported country, and want to spend crypto without a bank account, and you are willing to ask support for the costs before ordering. Not worth it if you need published prices, guaranteed phone-wallet support on the physical card, or the ability to withdraw your card balance. On balance it scores 6.9 out of 10.

Content created by the «cryptocardbasics» team