Spendge — tariffs, fees and real card cost

Rating 86KYC: SoftTeam access

Supports 30+ cryptocurrencies. Cards are prepaid — issued with a starting balance right away; anonymous issue and card freezing are available. Tiered cashback from 2.5%.

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Tariffs checked on: 2026-07-17

Tariffs and fees

Card issue	$5 per card
Top-up fee	3%
Subscription	None
Per card / month	$5
Cashback	cashback from 2.5% (tiered by turnover)
Decline fee	$0.35
Min deposit	$300

Specs

KYC	Soft
Team access	Yes, roles and shared access
BIN geos	US, UK, EU, EE, HK
Ad platforms	FB, Google, TikTok, Bing
Card types	Visa, Mastercard
BINs	US, UK, EE, IE (Ирландия), HK — 8–24 BIN

Details

Min. deposit	$50
Top-up	30+ cryptocurrencies (1%+2 USDT), Wire (0%)
BINs	US, UK, EU (6+)
3DS	Yes, codes delivered instantly
Card currencies	USD, EUR, GBP
Highlights	Anonymous issue, card freezing, refunds back to the balance

Pros and cons

Pros

30+ cryptocurrencies for top-ups
Anonymous card issue
Cards can be frozen
Low wallet top-up fee (1.3%)

Cons

Full KYC
$5/mo maintenance per card — costly with many cards
Only 6+ BINs — not the widest coverage

Tariff changes

2026-07-22downTariffs updated: top-up fee 4%→3%; decline fee — updated; geo/BIN — updated; BINs US (4 BINs), UK, Ireland, Estonia — 8 BINs→US, UK, EE, IE (Ireland), HK — 8–24 BINs

2026-07-22upVerified against the official fees page: top-up corrected 3%→4% (crypto route, all-in), decline fee $0.35→$0.50 plus 1% per transaction. Hong Kong removed from geo — it is not present in the official BINs (US, UK, Ireland, Estonia remain, 8 BINs). Issue $5, maintenance $5/mo and min. deposit $300 confirmed.