Multicards.io — tariffs, fees and real card cost
Rating 88✓ Data verifiedKYC: SoftTeam access
Built by the DatsTeam crew (legal entity Digitory Group PC, Wales, UK). One of the strongest on team features: 21,000+ active users and a staff of 200+. New users get 5 free cards (up to 20 with a promo code) and a fee-free first top-up of up to $5,000.
Tariffs checked on: 2026-07-17
HOTCPA25 free cards and a fee-free first top-up of up to $5,000
Tariffs and fees
| Card issue | $2 per card |
| Top-up fee | 3% |
| Transaction fee | 2% |
| Subscription | None |
| Cashback | — |
| Decline fee | None |
| Min deposit | 200 USDT |
Specs
| KYC | Soft |
| Team access | Yes, roles and shared access |
| BIN geos | US, UK, EU, HK, EE, TR |
| Ad platforms | FB, Google, TikTok, Bing |
| Card types | Visa, Mastercard |
| BINs | 80+ BIN: US, UK, EE, HK, TR, BE (Бельгия) |
Details
| Min. deposit | 200 USDT (crypto), $1,000 (WIRE) |
| Top-up | USDT TRC20 (3%), Capitalist (3.5%), USDT ERC20, WIRE |
| Issue | $2 (US), $3/€3 (EU/HK) |
| Transaction | 2%, international 2–3% |
| BINs | 80+ (US Classic/Premium, EU, HK, Estonia, Turkey) |
| 3DS | Yes (explicitly on Vidar/Magnus EE) |
| Google Pay | Yes |
| Apple Pay | Yes |
| Agency accounts | From 2% fee |
| KYC | Soft (email + Telegram bot, 5–10 minutes); full for bank transfers/AML |
| Card limit | Up to 10 cards until a $400 top-up, then up to 200, beyond that by arrangement |
| Highlights | Cancelled transactions are not refunded; max DR 20%; Owner/Accountant/TeamLead/Buyer roles; the 2023 ToS allows a top-up fee up to 5%, in practice up to 3% |
Pros and cons
Pros
- Best team features on the market (Owner/Accountant/TeamLead/Buyer roles)
- 80+ BINs, 5 geos
- Google Pay and Apple Pay
- First top-up up to $5,000 at 0% with a promo code
- Soft KYC: email + Telegram bot, active in 5–10 minutes (full verification only for bank transfers)
- 21,000+ active users, a team of 200+
Cons
- Decline fees are not refunded
- Maximum DR capped at 20%
- The official ToS (March 2023, outdated) allows a top-up fee of up to 5%, though in practice and across every independent review it is up to 3% — worth confirming the current rate with the service
- Card limit for new accounts: up to 10 cards until the first $400 top-up, then up to 200
Tariff changes
2026-07-08downKYC level corrected — in practice it is soft verification (email + Telegram bot, 5–10 minutes to activate), not full. Noted a discrepancy between the ToS (top-up up to 5%) and actual practice (up to 3%).
2026-07-01upTransaction fee clarified — 2% (previously assumed 0%). Card issue $2–3 depending on BIN geo.
FAQ
Does Multicards.io require KYC?
Partly: Multicards.io uses soft verification — the first cards are usually available without documents.
How much does a card cost in Multicards.io?
Card issue — $2.
Does Multicards.io have cashback?
—
Is there a promo code for Multicards.io?
Yes — code HOTCPA. 25 free cards and a fee-free first top-up of up to $5,000
Which BIN geos does Multicards.io offer?
US, UK, EU, HK, EE, TR — 80+ BIN: US, UK, EE, HK, TR, BE (Бельгия)
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