The card converts your USDC and then charges you on top

Updated October 2026

Licensed

Available in US

Fast payouts

18+ Only

The Keytom card converts crypto into a plain Visa you can spend, and on paper that sounds like an answer for anyone who cannot get an ordinary bank card. In practice it is a USD-only prepaid Visa with a 1% fee on dollar payments, 2.35% on anything else, and a monthly charge of 10 USDC. That combination adds up fast, and it is the single biggest reason I did not score it higher.

My overall mark is 6.0 out of 10. It is a competent, boring, functional card from a properly registered Canadian money services business, and for someone sitting on a USDC balance who wants to spend it in dollars without opening a bank account it does a real job. It is a poor choice for anyone who mainly pays in other currencies, for anyone who wants Apple Pay today, and for anyone who treats a stablecoin balance like cash in a bank.

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

The audience this card genuinely fits is narrow: people who already hold USDC, want a USD Visa, and spend mostly in the United States. For them the arithmetic can work. For everyone else the 2.35% foreign-currency fee plus 10 USDC a month is doing a lot of damage.

Will they give you the card

Keytom says it serves residents of “150+ countries”, and it publishes a Customer Acceptance Policy listing jurisdictions it will not onboard. On that list are Russia, Belarus, Ukraine, Serbia, Ghana, Uganda and Iran, among others. The rule it describes is not only about where you live: clients with direct or indirect links to a prohibited jurisdiction cannot be onboarded, and that includes the ultimate beneficial owners of an account residing in, or holding citizenship of, a listed country. Place of birth or former citizenship on its own does not disqualify you if you hold a valid residence permit or citizenship in an eligible jurisdiction and go through enhanced due diligence.

If you are in one of the listed countries, that is the end of it. If you live elsewhere but hold citizenship somewhere on the list, read the policy carefully before you try. Two things to note: the policy page as published is written for corporate clients, not individuals, and “150+ countries” is a marketing line rather than a guarantee. Where you are physically located, where you are resident, and where your money comes from are three separate questions in a screening process, and answering “fine” to the first does not settle the other two.

How to get it

The card page never uses the word KYC. What it does describe is 2FA, transaction monitoring and AML procedures, and an AML policy under which Keytom may request verification information from you. The individual requirements — which documents, whether proof of address is needed, what the minimum age is — are not stated on the public pages.

You get both a virtual and a physical Visa, and here is the part that trips people up: the card carries a credit BIN but it spends your own balance. There is no credit line, no borrowing, no repayment. It behaves like a prepaid card wearing a credit card’s clothes. It is USD only, that currency cannot be changed, it is valid for up to five years, and you can hold a maximum of two cards, one virtual and one physical. Both are contactless.

The physical card takes about 14 days and costs 50 USDC. Countries are not listed, and the FAQ warns that issuance, delivery and payments “may be limited or unavailable in some jurisdictions”. The replacement cost for a lost card is not stated.

There are no published verification tiers, and no stated processing time or list of official rejection reasons. Keytom says it “may sometimes ask about a transaction” and may request verification for unusual activity — which is a polite way of saying the checks can arrive after you have already funded the account.

One more thing, from a third-party site rather than Keytom itself, so treat it as unofficial and unconfirmed by the card: cryptocardhub reported in August 2026 that applicants are asked for a passport, national ID or residence permit, a selfie or liveness check, proof of address and source-of-funds evidence when requested, with a minimum age of 18. That is a reasonable expectation of what you will be asked, but it is not on Keytom’s own pages.

Fees: what the Keytom card actually costs you

This is the section that decides whether the card is worth having. The virtual card issues free, so you can test the whole thing at no cost. Then the charges start.

Three everyday payments, with the fees that actually apply:

A USD 20 grocery shop in the United States. The merchant charges you USD 20. Keytom takes 1%, which is 0.20 USDC. Then your 10 USDC monthly fee comes out of the balance if it covers it. If your balance is only, say, 40 USDC, the monthly fee is a quarter of it.

A EUR 45 subscription. The merchant charges EUR. You pay 2.35%, minimum 0.66 USDC. On EUR 45 the percentage fee is the smaller of the two, so the 0.66 USDC minimum is what bites. Add the 10 USDC monthly fee to a subscription you would not otherwise have had, and the percentage is almost beside the point — the fixed monthly charge dominates any small purchase.

A EUR 300 flight paid in dollars. Now the 2.35% is doing real work: 7.05 USDC on top of the fare, on top of the 10 USDC monthly. And if the merchant or the network holds the authorisation, funds can sit frozen for days.

There is one tier, and that is worth saying plainly. Free virtual issue, 50 USDC for physical delivery, 10 USDC per month per card, 20 USDC if you hold both. There is no cashback tier and no perks tier. The balance is USDC, and there is no multi-currency balance on the card — so the moment you spend euros, you are paying to convert, every time.

Two things the public pages do not state: what exchange-rate spread applies beyond the 1% and 2.35%, and who pays the network fee on a USDC deposit. Both matter to your final cost and neither is written down.

How to top it up

The card spends a USDC balance. You can top up three ways: by card through Visa Direct, directly in USDC, or by converting euros or crypto you already hold inside Keytom into USDC. No top-up fee is listed on the card page.

The missing detail is networks. Which chains the direct USDC top-up supports is not stated, and that is not a small gap: send on a network the provider does not support, or to an address belonging to a different network, and the money can be gone, recoverable only through manual support with no guarantee. Circle lists USDC as natively supported on 38 networks as of 16 September 2026, including Ethereum, Solana, Base, Polygon PoS, Avalanche, Arbitrum and Stellar — your wallet’s menu will offer you far more than the card may accept, and the mismatch is on you to avoid. The minimum top-up is also not stated.

Nothing is described about withdrawing the balance back out. No bank transfer out, no crypto withdrawal of card balance — the pages do not describe one. A Deletion Policy is linked but I did not read it, so I cannot tell you what becomes of a balance if you close the account. Cash out is only covered by ATMs, at 2% in dollars and 3.35% elsewhere, with operators free to add their own fees.

Unofficial figures, from the same third-party site and not confirmed by the card: for a personal account, SEPA incoming at 0.5% plus EUR 0.25 and outgoing at 1% plus EUR 0.25 (minimum EUR 2.75 each), EUR-to-crypto conversion at 1.5%, and crypto withdrawal at 0.1% plus network fee. Read those as a sketch of what these things usually cost, not as a Keytom price list.

Paying with it every day

The virtual card can be added to Google Pay or PayPal. Apple Pay is “not available yet”, per the FAQ — and October 2026 reviews say the company is working on bringing it back, which implies it was there before. If Apple Pay is how you pay for everything, this is a real gap today.

What the card does not work for: fuel pumps, gambling, and a few other categories. Some platforms block in-game purchases. Fuel pumps matter more than they sound — they require a card-present authorisation for an amount above the purchase, and a card configured to decline at the pump will simply fail at the forecourt.

The app is on iOS and Android. The App Store and Google Play ratings are not stated, so I cannot tell you how people rate it in stores.

Refunds go through the merchant and usually take 2 to 15 days. The original payment fee is not returned, so a refund can land slightly lower than what you paid — worth remembering when a 1% or 2.35% fee sits on the transaction. There is no extra refund fee. Hotels and airlines can hold funds for up to 30 days, which is the merchant’s hold rather than anything Keytom does.

No cashback is stated on the card page, and a third-party site independently reported no cashback or purchase rewards advertised. Treat that as settled unless Keytom has changed it.

What can go wrong

Reliability first, because this is where reviews get specific. On Trustpilot, read on 20 October 2026, the company sits at 4.3 out of 5 from 37 reviews in the last 12 months — 81% five-star, 14% one-star. Three themes come up repeatedly. Fees and rates being high next to alternatives, raised in January and September 2026. A referral reward withheld alongside an account closure, raised in January 2026, where the company’s reply of 12 October 2026 says rewards can be withheld for suspected abuse. And Apple Pay being missing, raised on 6 October 2026. Only about 10 of the 37 reviews were visible to me, so treat the themes as a sample rather than a census.

Who you are actually trusting: the company is KEYTOM SERVICES LTD, registered as a Canadian Money Services Business with FINTRAC under number M21788474. That registration is real and it is not nothing. But the issuing bank is not named, and on a card that matters — the entity that holds your money and the entity that owes you your balance are not the same thing here.

On custody, the balance is held by Keytom, not by you. It is not self-custody. What you get in exchange: 2FA, transaction monitoring, AML procedures, the ability to freeze the card from the dashboard, segregated client accounts, and the FAQ’s wording that crypto is “insured up to $100 million through Fireblocks”. Read that wording closely — it describes cover on crypto, and it is the company’s own phrasing. Withdrawals can be paused on suspicious activity.

Support is in-app chat, on the website, and at [email protected], on business days 5:00 to 15:00 UTC, with after-hours messages answered the next business day. That is a narrow window if your money is stuck. Languages are not stated; the site shows English only.

Then the category-level risks that apply to any card of this shape. Crypto transfers are irreversible by nature, and a stolen key has no recovery path. Custodial platforms have a real history: Mt. Gox with about US$350 million reported stolen between 2011 and 2014, Coincheck at about US$400 million in 2018, Ronin Network at US$625 million in 2022. Card programmes also close — Visa terminated its global agreements with FTX on 13 November 2022, and WaveCrest, a Visa issuer that supplied several crypto card brands, was suspended by Visa in Europe in 2018. A closure typically means loading stops, then spending stops, then you are asked to withdraw whatever is left. I also came across a 2026 closure where new loads ended 8 July 2026 and spending stopped 8 August 2026, but that is a single secondary source and I would not lean on it.

One more structural point. Merchants can look up your card’s issuing country from the number itself, and a card issued in one country can look foreign to a shop in another. Some merchants decline prepaid or foreign-issued cards for exactly that reason. Address verification is mostly a US, Canada and UK service and is generally unavailable for foreign-issued cards, which causes declines.

What to take instead

Look at the fourth column. UNi Card is a multicurrency Mastercard that spends from a UNi.Global account balance, with no annual fee, no foreign transaction fee, conversion at live OTC rates and up to 3% back. If your problem is that Keytom charges you 2.35% on everything that is not dollars, this is the more direct fix. Its weakness is what is not published: eligibility, funding routes and whether a physical card exists are all unstated, so you would be registering on trust.

Look at the second column, and read its country list before anything else. It blocks residents and legal registrants of Belarus, mainland China, North Korea, Cuba, India, Iraq, Iran, Israel, Myanmar, Nepal, Nicaragua, Russia, Syria, Turkey, Ukraine, Venezuela and Vietnam, and purchases are blocked in a shorter list of countries including Russia, Syria and Ukraine. That list is long and includes places many readers call home, so this option narrows rather than widens your choices. Its fees are better where you are eligible: dollar spending is free on every plan, foreign currency is the Visa rate plus 2%. Its catch is that the physical card is “coming soon” and the paid tiers are $9.00 and $19.00 a month — which is more than Keytom’s 10 USDC if you only need one card.

Whop Cards, at 5.2, is the weakest of the four and the most restricted: 31 US states for consumers, 41 for businesses, with a long unsupported-country list. Its 5% cashback at select merchants is real, but a card you can only use in half of one country is not a general answer.

If you are eligible everywhere and want the simplest dollar spending at the lowest cost, the international Visa is the better economic deal. If you spend across many currencies, UNi is structurally the right shape. If you already hold USDC and just need it in a wallet, Keytom works — at a price.

Who I would recommend it to

I would recommend Keytom to someone who has a USDC balance they cannot easily get into a bank account, who spends overwhelmingly in dollars, and who wants to test the idea for nothing — the virtual card is free, so the cost of finding out is 10 USDC a month and whatever the merchant charges.

I would not recommend it to someone who pays in euros, pounds or anything but dollars: 2.35% is too heavy to carry habitually. Nor to someone whose phone life runs on Apple Pay. Nor to anyone planning to load it heavily and hold, because the pages do not describe how you get money back out.

And I would check three things in the app, before you load more than a coffee’s worth: what it actually says about verification documents and age, which networks the direct USDC top-up accepts, and what your exit looks like if you want the balance back as crypto or as a bank transfer. Those are the three gaps I could not close from the public pages, and each of them is one that would cost you real money to get wrong.

I am not a bank and this is not advice on your taxes. If crypto funds your card, the IRS treats digital assets as property, so each payment funded from crypto can be a separate taxable disposal measured at fair market value on the date of the transaction — check that with a qualified professional in your own jurisdiction, because I am not qualified in yours.

Frequently asked questions

What is the Keytom card?

Keytom is a Visa payment card you fund with crypto. It spends a USDC balance rather than borrowing, so it works like a prepaid card with a credit card’s number. You can hold a virtual card and a physical one, the currency is USD and cannot be changed, and cards are valid up to five years. A maximum of two cards is allowed, one of each kind.

Is Keytom a bank?

No. The operating company is KEYTOM SERVICES LTD, registered as a Canadian Money Services Business with FINTRAC under number M21788474. The issuing bank is not named, which means the entity holding your money and the bank behind the Visa programme are not clearly the same thing. Treat the balance as held by a company, not as a bank deposit.

How do I get a Keytom card?

You download the iOS or Android app, register, and can generate a virtual Visa immediately and free of charge. The physical card costs 50 USDC and arrives in about 14 days. Delivery countries are not listed, and the FAQ warns that issuance, delivery and payments may be limited or unavailable in some jurisdictions. Processing time and rejection reasons are not stated.

Does the Keytom card require KYC?

The card page never uses the words KYC, but it describes 2FA, transaction monitoring and AML procedures, and Keytom may request verification information under its AML policy. Individual document requirements, proof of address and minimum age are not stated on the public pages. A third-party site reported in August 2026 that it expects passport or ID, a selfie, proof of address and 18+, but that is unofficial.

How much does it cost to use the Keytom card?

Spending in USD costs 1%, minimum 0.66 USDC. Spending in other currencies costs 2.35%, same minimum. ATM withdrawals are 2% in USD and 3.35% in other currencies, and operators may add their own fees. The monthly card fee is 10 USDC per card, or USD 20 with both, charged whenever the balance covers it.

How do I top up the Keytom card?

Three ways are described: by card through Visa Direct, directly in USDC, or by converting euros or crypto already held in Keytom into USDC. No top-up fee is listed on the card page, but the supported networks are not stated — and sending on the wrong network can lose the money. The minimum top-up and who pays the network fee are also not stated.

Can I use the Keytom card in my country?

The card says residents of 150+ countries, but its Customer Acceptance Policy prohibits onboarding clients with links to jurisdictions including Russia, Belarus, Ukraine, Serbia, Ghana, Uganda and Iran, covering residence and citizenship of beneficial owners. Place of birth alone is not disqualifying if you hold a valid residence permit or citizenship in an eligible jurisdiction. The policy is published for corporate clients.

Is the Keytom card safe?

Your balance is held by Keytom, not by you, so you carry counterparty risk as well as the usual crypto risks. The company lists 2FA, transaction monitoring, AML, card freeze from the dashboard and segregated client accounts, and describes crypto as insured up to $100 million through Fireblocks in its own FAQ wording. Withdrawals can be paused on suspicious activity, and support hours are 5:00 to 15:00 UTC on business days.

Does the Keytom card work with Apple Pay and Google Pay?

Google Pay and PayPal work with the virtual card. Apple Pay is listed as “not available yet” in the FAQ, and October 2026 reviews say the company is working on bringing it back, which implies it existed before. Fuel pumps, gambling and some in-game purchases are not supported either, which is worth knowing before you rely on the card at the forecourt.

How do I withdraw money from Keytom?

The public pages do not describe a bank or crypto withdrawal of your card balance, so I cannot give you a route. Cash is the only documented way out, through ATMs with the physical card: 2% in USD, 3.35% in other currencies, up to USD 3,000 a day, 3 withdrawals a day and 30 a month. A Deletion Policy is linked but I did not read it, so check it yourself before closing anything.

Content created by the «cryptocardcheck» team