Comparison
Agora Card vs. NearPay Card: fees, limits & KYC
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Illustration
Drawn by us from the provider logo and card colours, not the official card picture.
Drawn on
Agora CardAgora Cards
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Illustration
Drawn by us from the provider logo and card colours, not the official card picture.
Drawn on
NearPay CardNearPay
In short
- NearPay Card has the best score (6.8).
| Attribute |
Agora CardAgora Cards
|
NearPay CardNearPay
|
|---|---|---|
| Overview | No KYC Virtual Physical | KYC unknown |
| Score | average | good |
| CostsWeight 25 % | 8.3 | not scored |
| TrustWeight 20 % | 1.6 | 8.3 |
| KYC and privacyWeight 15 % | 10.0 | not scored |
| FeaturesWeight 15 % | 5.5 | not scored |
| AvailabilityWeight 10 % | 10.0 | not scored |
| RewardsWeight 10 % | not scored | not scored |
| CommunityWeight 5 % | not scored | not scored |
| KYC | KYC: No ID | KYC unknown |
| Limits (entry level) |
|
no limits captured |
| Basics | ||
| Card formsame for all | unknown | |
| Card typessame for all |
virtual, physical
agora.cards checked 29 Oct 2026
Source and check
Source
agora.cards
Wording at the source
Virtual or physical, both offer complete privacy and securityChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
unknown |
| Card networksame for all |
not published
agora.cards checked 29 Oct 2026
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Source
agora.cards
Wording at the source
Accepted worldwide wherever major card networks are supported.Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? |
unknown |
| Custodysame for all |
custodial
agora.cards checked 28 Oct 2026
Source and check
Source
agora.cards
Wording at the source
Agora supports a segmented custody strategy, not self-custody of the card balance. Assets stay under the user's keys while they remain in a personal wallet. Once loaded to a card, funds are held by li...Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
unknown |
| Funding modelsame for all |
stablecoin balance
agora.cards checked 28 Oct 2026
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Source
agora.cards
Wording at the source
Agora Cards provides virtual and physical cards funded with USDT or USDC. The purpose is straightforward: let users keep long-term holdings in their own wallets, then move an appropriate amount into a...Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
unknown |
| Card currenciessame for all |
USD
agora.cards checked 29 Oct 2026
Source and check
Source
agora.cards
Wording at the source
Issued in USD and automatically converts to any local currency at competitive rates.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
unknown |
| Usagesame for all | unknown | |
| Issuer / BIN sponsorsame for all |
not published
agora.cards checked 30 Oct 2026
Source and check
Source
agora.cards
Wording at the source
We describe the service as privacy-focused because we collect only what is strictly necessary. That does not mean card use is anonymous. Stablecoin transfers occur on blockchains, and card transaction...Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? |
unknown |
| Limits depend onsame for all |
plan
agora.cards checked 29 Oct 2026
Source and check
Source
agora.cards
Wording at the source
Everything in Basic and higher limits for maximum freedom.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
unknown |
| Cards per accountsame for all | unknown | |
| Unknown for all | Card form · Usage · Cards per account | |
| Availability | ||
| Available insame for all |
Not available in 24 countries and regions
agora.cards checked 29 Oct 2026
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Source
agora.cards
Wording at the source
## Unsupported Regions Due to regulatory requirements, we cannot currently serve the following regions ### Africa Somalia Central African Republic DR Congo Guinea-Bissau Libya Mali South Sudan Suda...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
unknown |
| Crypto | ||
| Supported assetssame for all |
USDT, USDC
agora.cards checked 29 Oct 2026
Source and check
Source
agora.cards
Wording at the source
Spend your stablecoins anywhere with complete privacy. Backed by USDT & USDC, accepted worldwide.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
unknown |
| Number of supported assetssame for all | unknown | |
| Top-up networkssame for all | unknown | |
| Fiat top-upsame for all | unknown | |
| Unknown for all | Number of supported assets · Top-up networks · Fiat top-up | |
| Payments | ||
| Mobile walletssame for all |  
Apple Pay
 
Google Pay
agora.cards checked 28 Oct 2026
Source and check
Source
agora.cards
Wording at the source
Apple Pay and Google Wallet support is offered for both cards, subject to the wallet provider's country, device and issuer eligibility requirements.Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
unknown |
| ATM withdrawalssame for all |
No
agora.cards checked 30 Oct 2026
Source and check
Source
agora.cards
Wording at the source
### Virtual Card Basic $90 one-time $10 includes credit Instant issuance for immediate online and in-person spending. - Instant activation - Google & Apple Pay - ATM withdrawals - USDT & US...Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean?
Yes
agora.cards checked 30 Oct 2026
Source and check
Source
agora.cards
Wording at the source
### Physical Card $500 one-time Premium card for in-person transactions. Use anywhere. - Fast shipping - Google & Apple Pay - ATM withdrawals - USDT & USDC - Global acceptance - 4 year vali...Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
unknown |
| Contactlesssame for all | unknown | |
| Unknown for all | Contactless | |
| Fees | ||
| Virtual card issuancesame for all | unknown | |
| Physical card issuancesame for all | unknown | |
| Free cardssame for all | unknown | |
| Shippingsame for all |
not published
agora.cards checked 31 Oct 2026
Source and check
Source
agora.cards
Wording at the source
## Transparent Pricing No hidden fees. All you need in one place. | Fee Type | Virtual Card | Physical Card | |---|---|---| | Top-up Fee | 2% (2.5% with Plus) | 2% | | Transaction Fee | $0.35 + 1.5%...Checked Verified Check overdue · last 31 Oct 2026 Add this value? Unchanged since 31 Oct 2026 What does [s] mean? |
unknown |
| Monthly feesame for all |
not published
agora.cards checked 30 Oct 2026
Source and check
Source
agora.cards
Wording at the source
## Transparent Pricing No hidden fees. All you need in one place. | Fee Type | Virtual Card | Physical Card | |---|---|---| | Top-up Fee | 2% (2.5% with Plus) | 2% | | Transaction Fee | $0.35 + 1.5%...Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
unknown |
| Annual feesame for all |
not published
agora.cards checked 30 Oct 2026
Source and check
Source
agora.cards
Wording at the source
## Transparent Pricing No hidden fees. All you need in one place. | Fee Type | Virtual Card | Physical Card | |---|---|---| | Top-up Fee | 2% (2.5% with Plus) | 2% | | Transaction Fee | $0.35 + 1.5%...Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
unknown |
| Top-up feesame for all | unknown | |
| Crypto deposit feesame for all | unknown | |
| Crypto conversion feesame for all | unknown | |
| Foreign currency feesame for all |
1.5 %
agora.cards checked 29 Oct 2026
Source and check
Source
agora.cards
Wording at the source
| FX Fee | 1.5% | 1.5% |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
unknown |
| FX free allowancesame for all | unknown | |
| Minimum FX feesame for all | unknown | |
| ATM feesame for all | unknown | |
| Transaction feesame for all |
1.5 % + 0.35 USD
agora.cards checked 30 Oct 2026
Source and check
Source
agora.cards
Wording at the source
| Transaction Fee | $0.35 + 1.5% | $0.10 + 1.5% |Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean?
1.5 % + 0.10 USD
agora.cards checked 30 Oct 2026
Source and check
Source
agora.cards
Wording at the source
| Transaction Fee | $0.35 + 1.5% | $0.10 + 1.5% |Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
unknown |
| Cross-border feesame for all | unknown | |
| Withdrawal feesame for all | unknown | |
| Activation feesame for all | unknown | |
| Account closure feesame for all |
not published
agora.cards checked 31 Oct 2026
Source and check
Source
agora.cards
Wording at the source
## Transparent Pricing No hidden fees. All you need in one place. | Fee Type | Virtual Card | Physical Card | |---|---|---| | Top-up Fee | 2% (2.5% with Plus) | 2% | | Transaction Fee | $0.35 + 1.5%...Checked Verified Check overdue · last 31 Oct 2026 Add this value? Unchanged since 31 Oct 2026 What does [s] mean? |
unknown |
| Dispute feesame for all |
not published
agora.cards checked 31 Oct 2026
Source and check
Source
agora.cards
Wording at the source
## Transparent Pricing No hidden fees. All you need in one place. | Fee Type | Virtual Card | Physical Card | |---|---|---| | Top-up Fee | 2% (2.5% with Plus) | 2% | | Transaction Fee | $0.35 + 1.5%...Checked Verified Check overdue · last 31 Oct 2026 Add this value? Unchanged since 31 Oct 2026 What does [s] mean? |
unknown |
| Minimum top-upsame for all | unknown | |
| Declined payment feesame for all | unknown | |
| Refund feesame for all | unknown | |
| Inactivity feesame for all |
not published
agora.cards checked 31 Oct 2026
Source and check
Source
agora.cards
Wording at the source
## Transparent Pricing No hidden fees. All you need in one place. | Fee Type | Virtual Card | Physical Card | |---|---|---| | Top-up Fee | 2% (2.5% with Plus) | 2% | | Transaction Fee | $0.35 + 1.5%...Checked Verified Check overdue · last 31 Oct 2026 Add this value? Unchanged since 31 Oct 2026 What does [s] mean? |
unknown |
| Minimum monthly spendsame for all | unknown | |
| Inactivity rulesame for all | unknown | |
| Card replacementsame for all | unknown | |
| Unknown for all | Virtual card issuance · Physical card issuance · Free cards · Top-up fee · Crypto deposit fee · Crypto conversion fee · FX free allowance · Minimum FX fee · ATM fee · Cross-border fee · Withdrawal fee · Activation fee · Minimum top-up · Declined payment fee · Refund fee · Minimum monthly spend · Inactivity rule · Card replacement | |
| Rewards | ||
| Cashbacksame for all | unknown | |
| Referral bonus (invited friend)same for all | unknown | |
| Referral bonus (you)same for all |
30 USD
agora.cards checked 30 Oct 2026
Source and check
Source
agora.cards
Wording at the source
Receive a fixed bonus for every card sale made through your referral. Virtual card sale $5 fixed bonus per sale Physical card sale $30 fixed bonus per saleChecked Verified Value wrong? No earlier versions What does [s] mean? |
unknown |
| Welcome bonussame for all | unknown | |
| Unknown for all | Cashback · Referral bonus (invited friend) · Welcome bonus | |
Values of the chosen variant; without a choice the entry variant (first in the provider's order).
Early warning
Watch both cards
One mail when something changes at Agora Card · NearPay Card: promotions and bonuses as well as warnings and incidents.