A Peruvian crypto card that publishes less than you would need to judge it

Updated October 2026

Licensed

Available in US

Fast payouts

18+ Only

The Tarjeta Cripto Fluyez card is a Visa virtual card that spends a crypto balance converted to money at the moment of payment, offered by a Peruvian company to users across Latin America. On paper it does the simple thing crypto cards exist to do. In practice, the public pages leave out exactly the numbers you would need to decide whether it is worth your money: no card fees, no limits, no ATM terms, no named issuing bank, no stated networks. I scored it 5.5 out of 10, and the reason is not that the card is bad — it is that you cannot check it.

This page is for anyone who has trouble getting an ordinary bank card, or who simply holds crypto and wants to spend it. It is written for readers in any country, so where Fluyez describes availability I pass on its own words rather than translating them into promises.

Conditions described here are current as of October 28, 2026.

Verdict

Tarjeta Cripto Fluyez card: 5.5 / 10. The idea is sound and the company is real and registered. The problem is transparency: the card’s own pages state less about fees, limits and custody than almost any comparable product, and at one point the card’s public status was still being described as upcoming.

So who is this for? In my reading it suits a person who already holds Bitcoin, USDT or ETH, is comfortable sending crypto to a platform address before they can pay anything, and is not going to be caught out by an undisclosed fee. It suits a Latin American user for whom a normal Visa is out of reach — that is genuinely the stated audience. It does not suit anyone who needs a predictable budget, who needs to pull cash from an ATM, or who wants to know exactly what happens to their coins the moment they send them.

A note on the name, because people search for it: this is a crypto payment card, not a bank account, and not a bank. The company is a registered provider with Peru’s SBS. That registration is meaningful, and it is not the same as a banking licence or a deposit guarantee.

Will they give you the card?

Yes, if you are in Latin America. The card’s pages say “Disponible en Latinoamérica”, “Toda Latinoamérica”, and “Funciona en Perú y toda Latinoamérica sin restricciones”, and state it can be used wherever Visa is accepted. That last part is the ordinary Visa promise and it is the one that travels well: a card accepted anywhere Visa is accepted is not stopped by the issuing country’s borders.

What that wording does not tell you is anything about individuals outside the region, and I would not read it as covering you. If you are elsewhere, the honest answer is that the card’s own public pages say nothing, and “not stated” here means exactly that — the pages do not say.

Because availability is described as unrestricted across a whole region, the card does not advertise a nationality screen the way some competitors do. That is a real difference, and it cuts in your favour if you are a crypto holder in Peru or elsewhere in Latin America who wants a Visa line. It also means the screening you do encounter will be the identity check described in the next section, not a country list.

How to get it

The process Fluyez describes is short. You register, upload an identity document, complete a facial verification, then request the virtual card inside your account and activate it in the app. Registration “toma menos de 2 minutos” and activation is “Inmediata (menos de 10 min)”. So the whole path is: documents, selfie, account, card in the app.

What the pages do not say is worth knowing before you start:

• Proof of address and age requirements are not stated.
• The verification levels, how long each takes, and the reasons a check might be rejected are not stated.
• The card is described as a “Visa Virtual”; the page’s underlying structured data also mentions a “tarjeta física y virtual”, but a physical card is not confirmed in the visible text.
• The card’s currency is not stated.
• Delivery is not part of the described flow — it is a virtual card, and no delivery is mentioned.

So if what you need is a plastic card in an envelope, I cannot confirm from these pages that you get one. If what you need is card numbers in your phone within ten minutes, that is clearly the product. The card detail to remember: virtual Visa, activation in the app, no delivery stated, physical card unconfirmed.

What it really costs — Fees

This is the section where the card is quietest, so I want to be precise about which numbers exist and which do not.

The one clear statement is “Sin costos ni mantenimiento si llegas al monto mínimo de uso” — no costs and no maintenance if you reach the minimum use amount. The minimum amount itself is not specified anywhere I could find. That sentence is a promise with a blank in the middle of it, and you cannot calculate your own cost against it.

Beyond that:

• Card fees are not stated. The page says only “Las comisiones dependen del tipo de operación”.
• The Fluyez platform charges a 1 % commission per operation.
• An issuance fee is not stated.
• ATM terms are not stated. The 2 % ATM figure that appears in the comparison table on the page belongs to Binance Card and Lemon Card, not to Fluyez — do not read it as this card’s price for cash.
• There are no tiers: a single card, no stated tier structure.
• The card’s own daily and monthly limits are not stated.

Three everyday payments, and what I can actually tell you about each:

A coffee. You will be spending from a crypto balance converted at the moment of payment. The 1 % platform commission per operation is the only conversion-related number on the page that I can point to. Whether any card-level or FX charge stacks on top is not stated, so the true cost of that coffee is not a number you can compute today.

An online subscription in USD. Your card is a Visa, so the payment itself is ordinary. Whether the platform applies a currency or FX margin when converting your crypto balance into USD is not stated for the card.

A cash withdrawal. I cannot tell you what this costs, because ATM terms are not stated. If you need physical cash, that gap alone is a reason to look elsewhere.

My rule for a product with this much white space: assume the fee exists until you have it in writing. Before you rely on the “no costs” line, find out what the minimum use amount is, because the whole sentence hangs on it.

How to Top up it

Top-up is the part of the model people find hardest, so let me describe it plainly. You deposit Bitcoin, USDT or ETH — “u otras criptomonedas disponibles”, meaning other cryptocurrencies as available. You do not hold a fiat balance on the card in the ordinary way. When you pay, the equivalent crypto balance is deducted and converted to fiat.

The catch: networks are not stated. That single omission is the biggest practical trap in the whole product. Crypto transfers are irreversible, and a deposit sent on a network the provider does not support, or to an address belonging to a different network, can be lost or need manual support recovery with no guarantee. If the card’s pages do not name the networks, you must get that answer from Fluyez before you send anything of value — not after.

The platform’s own fees, as stated, are separate from the card:

Two things to notice. The 4.65 % figure is for buying crypto with your card on the platform, which is the reverse direction from spending, and it is high enough to matter if you use it often. And note the withdrawal line: it describes the platform’s bank withdrawal in PEN or USD, while what happens if you want to convert a card balance back to money is not stated.

One more piece of general knowledge that bears directly on the transfer you are about to make: gas fees for your deposit are charged by the blockchain, not by the card provider. So a top-up costs you the network fee as well as anything the platform charges.

Paying with it every day

Day to day, the card behaves like a Visa, and it works with Apple Pay and Google Wallet. That is the practical core of the offer, and for a user without a normal card it is not a small thing.

Two apps are listed, and they are worth a look before you commit. There is an iOS App Store listing with a rating of 3.7 from 3 ratings — that is a very small base, so treat it as a data point rather than a verdict. On Google Play the listing reads “Próximamente”, which means “coming soon”. If you are on Android, that is not a small detail; the honest reading is that the Android app is not there yet.

Around the daily use, several things are simply not stated:

• Blocked merchant categories are not stated. If gambling or similar categories are blocked for you, you will not find out from the pages.
• Merchant dispute handling is not stated.
• The page mentions no rewards, cashback or points.

That last point is a small relief for anyone comparing crypto cards: there is no rewards structure to understand or to lose track of. The card is meant to be a way to spend, not a way to earn.

Security features the card does describe are the ones you would want to see. There is Visa protection, PCI DSS compliance, two-factor authentication, block and unblock from the app, real-time notifications, tokenised payments, and per-transaction approval in the app with biometrics. Approving each payment yourself is the strongest of those habits, because it means a compromised balance still cannot be spent without you.

Support is described as “Español completo 24/7”, with a Peru phone and WhatsApp line (+51 993808611) and an email address at fluyez.com. Full Spanish support is worth noting if that is comfortable for you.

What can go wrong

Let me take the risks in order of how likely they are to bite you.

Sending crypto to an unstated network. As above: networks are not stated, transfers are irreversible, and a wrong-network deposit can be lost. Get the networks confirmed before your first transfer.

Unknown total cost. With no card fees, no FX terms and no limits published, your worst-case monthly cost is unbounded from the outside. That is a budgeting problem before it is a fraud problem.

Limits you never saw. Daily and monthly limits are not stated. If a limit exists and it is lower than your spending needs, you find out at the till.

Counterparty and custody risk. The card’s custody model is not stated, and that word carries weight in crypto. If your coins sit in a provider’s wallet, you are trusting that provider completely: the provider holds the credentials, so control of the funds is theirs, not yours. Crypto transfers are irreversible by design, and a stolen key has no built-in recovery — the network cannot freeze or return the funds. Custodial platforms have a real history of failure: Mt. Gox (about US$350 million reported stolen, 2011–2014), Coincheck (about US$400 million, 2018), and Ronin Network (US$625 million, 2022). Holding funds with a custodian carries counterparty and hack risk. If instead the funds stay in your own wallet until the moment of payment, you bear sole responsibility for key loss, for phishing, and for clipboard-hijacking malware that swaps a copied address. Either way, the risk is real; it just sits in a different pocket.

Programmes can end. Cards in this category are not permanent. Visa terminated its global agreements with FTX on 13 November 2022 and the FTX US debit card was wound down by its issuer. Visa also suspended WaveCrest in Europe in 2018, closing all WaveCrest-issued Visa programmes. A closure typically means a notice period, then spending and loading stop, then you are asked to withdraw remaining balances. Treat the balance on any crypto card as money you would need to move, not money parked.

The company and the status. Here I have something unusual, and I would rather flag it than smooth it over. As of 20 January 2026, news reported Fluyez preparing a public launch of the crypto card with its Visa alliance — the card was described as being readied for launch. The card’s issuer or bank is not named anywhere on the public pages; a partnership with Visa is announced, but a Visa alliance is not the same as a named issuer. On the regulatory side the picture is better: Fluyez Digital Investments S.A.C. is the App Store seller, based in Peru, which is a registered provider with Peru’s SBS, and not a bank. Bit2Me bought a stake — 1 million euros per the company’s own site, reported as July 2022 in news.

Complaints: nothing to go on. I looked for official incidents and found none. Searching for reviews and complaints returned nothing about the Fluyez card. On Trustpilot the profile shows 4.3 from 9 reviews, all five-star and all dated August 2021, with none in the last 12 months (read 21 October 2026) — that is a user-reported figure from a third-party site, not something the card confirms, and nine reviews from one month four years ago tells you very little about 2026. No complaint themes were found. In plain terms: there is no evidence of a problem, and there is also no evidence of a well-used card.

Protection you should not assume. A chargeback is a refund ordered by the issuer, with reason codes such as fraud, duplicate billing or goods not received. In the US, debit card reversal rights come from Regulation E and credit card rights from Regulation Z; prepaid-card coverage varies and should not be assumed — and this card’s dispute process is not stated. Under 3-D Secure, liability for fraudulent online payments can shift in ways that are argued about. Address Verification Service is mainly offered in the US, Canada and the UK and is generally unavailable for foreign-issued cards, which can cause declines. And a declined authorisation may leave a hold on your funds that can remain for several days, typically up to 7.

What the card does well on risk: it names Visa protection, PCI DSS, 2FA, app-based freeze, real-time notifications, tokenised payments and biometric approval per transaction. That is a reasonable list. What it does not do is tell you who holds your money.

What to take instead

Here is how the alternatives stack up, and I will keep it honest: for most of them, the same gap applies. Where I could not find an official statement, I say so rather than filling it in.

Bybit Card is the one that publishes the most, and that alone is worth something when you are being asked to trust a card with your balance. Its fees are stated region by region: crypto conversion 0.9 % over the One-Click Sell rate in Australia, Asia Pacific, Georgia, Kazakhstan, Brazil and Mexico, 0.5 % in Argentina, and Peru not supported for that route. FX fees are listed as 2 % on top of the network rate in Australia, Asia Pacific, Georgia and Mexico, 2 % “International Fee” in Kazakhstan (AIFC) on purchases outside Kazakhstan even in USD, 7 % in Argentina, 1.5 % in Brazil and 1 % in Peru, with FX padding of 0 % in the Australia group and Mexico, 5 % in Argentina and 1 % in Brazil, and the excess refunded. Virtual card issuance is free in all regions “until further notice”, and the cards page says “Auto interest, no annual fees”. Physical issuance ranges from none in Brazil and Mexico to 29.99 USD in Australia, with 5 USD or USDT in Argentina and Asia Pacific and 29,99 USDT in Georgia and Kazakhstan (AIFC); VIPs holding certain physical cards pay no issuance or replacement fee. Card currency follows the country — PEN or USD in Peru, ARS in Argentina, MXN in Mexico, BRL in Brazil, USD for AIFC, Georgia, Kazakhstan, Australia and Asia Pacific — and validity runs 3 to 6 years depending on region.

Two Bybit warnings that matter for you specifically. First, Peru is on the card list but the 0.9 % conversion route is explicitly not supported there, and its FX fee is 1 %, so the real Peru experience is not the table’s happy path. Second, its rewards only apply from 5 October 2026 at 10:00 UTC to crypto-funded transactions; fiat-funded spending earns nothing. That is a fair design, but it means the headline tier rate is not the rate on everything you spend.

Bybit also says plainly: “This product is not meant for European Economic Area customers. All European Economic Area customer participation is strictly prohibited.” Its fiat-service restricted list — deposits, withdrawals and One-Click Buy, not the card as such — includes Belarus, the Russian Federation, Serbia, China and the United States, and it says Russian users can only make RUB transactions in fiat. There is no card-specific statement about Russian or Belarusian citizens and no rule distinguishing citizenship from residence, so if your situation depends on nationality rather than residence, that is an open question to put to them directly.

MSX scores highest of the four at 6.4 / 10, which is a comment on how thin the category’s public detail is rather than on features — I could not find an official statement on its card type, availability, fees, funding or rewards.

Young Card at 5.7 / 10 pays cashback in its own YNG tokens at a rate that depends on your Club tier, which means your rebate is paid in something whose value is not the same as the money you spent. That is worth pricing before you are impressed by 3.6 %.

Who I would recommend it to

I would recommend this card in a fairly narrow case, and I would want to see two answers first.

The case: you are in Peru or elsewhere in Latin America, you hold Bitcoin, USDT or ETH, a normal Visa is hard for you to get or maintain, and you are the kind of user who is comfortable moving crypto to a platform address and understands that they are holding a balance with a company rather than in their own wallet. You will use it for routine spending, you will use Apple Pay or Google Wallet, and you will keep the balance small enough that the 1 % platform commission per operation is not the difference between the card being useful and not.

I would hold off, or pick something with published fees, if any of these are true: you need to know what a payment costs before you make it; you need cash from ATMs; you are on Android and need the app today; you need a physical card in the mail; or you want rewards.

Two answers worth getting in writing before your first transfer:

1. Which networks do you send on? Not stated on the card’s pages, and getting it wrong can mean losing the deposit.
2. What is the “monto mínimo de uso”? The entire no-fee promise depends on it, and the number is not published.

And two habits worth forming from day one. Approve every transaction in the app with biometrics rather than waving through notifications. And keep only what you would be able to move quickly, because a card programme can close on you, a crypto transfer cannot be reversed, and neither of those is a promise the card can make.

That is what 5.5 out of 10 means here. Not that the product is dangerous — the company is registered, the security list is decent, and the use case is real. It means the card asks for trust in the places where it publishes nothing, and for anyone deciding with a budget, a limit, or a plan, that is the wrong shape of product.

Frequently asked questions

What is the Tarjeta Cripto Fluyez card?

The Tarjeta Cripto Fluyez card is a Visa virtual card that spends a crypto balance. You deposit supported coins, and when you pay, the equivalent crypto balance is deducted and converted to fiat. It is offered by Fluyez Digital Investments S.A.C., a Peruvian company that is a registered provider with Peru’s SBS.

Is the Tarjeta Cripto Fluyez card a bank or a bank account?

No. Fluyez Digital Investments S.A.C. is registered with Peru’s SBS as a virtual asset service provider, and the card’s own information does not describe it as a bank.

Who owns the Tarjeta Cripto Fluyez card?

Fluyez Digital Investments S.A.C. of Peru is the company behind it and the seller named on its App Store listing. Bit2Me acquired a stake in the company — 1 million euros according to the company’s site, reported as July 2022 in news. A partnership with Visa is announced, but the card’s issuer or bank is not named on the public pages.

Which countries can use the Tarjeta Cripto Fluyez card?

The card’s pages say “Disponible en Latinoamérica”, “Toda Latinoamérica” and “Funciona en Perú y toda Latinoamérica sin restricciones”, and state it can be used wherever Visa is accepted. Outside the region the pages say nothing, so if you are elsewhere, treat availability as unstated rather than as yes. Where you live in the region, the real constraints are the identity checks, not a country list.

How do I apply for the Tarjeta Cripto Fluyez card?

Registration “toma menos de 2 minutos”. You upload an identity document and complete a facial verification, then request the virtual card in your account and activate it in the app. Activation is stated as immediate, under 10 minutes. Proof of address and age requirements are not stated, nor are the verification levels, timings or rejection reasons.

Does the Tarjeta Cripto Fluyez card require KYC?

Yes, identity verification is part of signing up: an identity document plus a selfie. This is normal for regulated crypto businesses, which are required to identify customers and screen them as part of anti-money-laundering law. Note that nationality is usually recorded and screened separately from residence. If verification cannot be completed, institutions are generally required to hold off on the transaction or relationship.

How do I top up the Tarjeta Cripto Fluyez card?

You deposit Bitcoin, USDT or ETH, “u otras criptomonedas disponibles” — other cryptocurrencies as available — to the platform, and the equivalent balance is spent and converted when you pay. The networks are not stated on the card’s pages, which is the detail to confirm first: transfers are irreversible and a wrong-network deposit can be lost. The platform states bank deposits are free from a $1 minimum.

Is the Tarjeta Cripto Fluyez card free to use?

Not entirely. The card says “Sin costos ni mantenimiento si llegas al monto mínimo de uso”, but the minimum amount is never specified. Card fees are not stated beyond “Las comisiones dependen del tipo de operación”, and the Fluyez platform charges 1 % per operation. Buying crypto by card on the platform is 4.65 %, up to $5,000 per day. No rewards or cashback are mentioned.

Can I use the Tarjeta Cripto Fluyez card in Apple Wallet and Google Wallet?

Apple Pay yes — the card’s page says it works with Apple Pay and Google Wallet. That matters because tokenised mobile payments are among the safer ways to use a card, and Apple’s setup keeps a device-specific number on the device rather than sending your card number anywhere. The Android side is less certain: the Google Play listing reads “Próximamente”, so the Android app may not be available yet.

Is the Tarjeta Cripto Fluyez card safe and worth it?

Safety here has two halves. The card names good safeguards — Visa protection, PCI DSS, 2FA, freeze from the app, real-time notifications, tokenised payments and biometric approval per transaction. But the custody model is not stated, so I cannot tell you whether your crypto is held by the provider or stays in your own wallet, and that is the risk that matters most. Score: 5.5 / 10, held down by disclosure gaps rather than by anything alarming.

Content created by the «cryptocardcheck» team