Comparison
Agora Card vs. PEXX 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
PEXX CardPEXX
In short
- PEXX Card has the lowest foreign currency fee (1.2 %).
- Fewest documents: Agora Card (No ID).
- Agora Card has the best score (61.53).
| Attribute |
Agora CardAgora Cards
|
PEXX CardPEXX
|
|---|---|---|
| Overview | No KYC Virtual Physical | Requires KYC Virtual Physical |
| Score | average | average |
| CostsWeight 25 % | 50 | 65 |
| KYC and privacyWeight 20 % | 70 | 18 |
| FeaturesWeight 15 % | 73 | 87 |
| AvailabilityWeight 10 % | 95 | 47 |
| RewardsWeight 10 % | not scored | 26 |
| TrustWeight 10 % | 45 | 88 |
| CommunityWeight 10 % | not scored | not scored |
| KYC | KYC: No ID | KYC: ID + proof of address |
| Limits (entry level) |
|
|
| Basics | ||
| Card formsame for all | unknown |
debit
pexx.com checked 30 Oct 2026
Source and check
Source
pexx.com
Wording at the source
The PEXX Card is a debit card available to any verified PEXX user. You can use it instantly worldwide—online, in-store, or through tap to pay. Anyone with a valid ID and phone can access global spendi...Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| 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? |
virtual, physical
pexx.com checked 30 Oct 2026
Source and check
Source
pexx.com
Wording at the source
Get your physical card shipped worldwide — wherever you are.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Card network (differs)same for all |
not published
agora.cards checked 29 Oct 2026
Source and check
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? |
Visa
faq.pexx.com checked 30 Oct 2026
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Source
faq.pexx.com
Wording at the source
The authorised currency (currency that you are paying the merchant in) is converted to USD at the moment you pay. We then deduct the converted amount from your USD, USDT or USDC balance using Visa's r...Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| 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? |
custodial
faq.pexx.com checked 30 Oct 2026
Source and check
Source
faq.pexx.com
Wording at the source
Your PEXX Card spends directly from your Main balance, which holds USD, USDT and USDC. You don't need to top up the card. When you pay, we convert the amount into USD and deduct it from your balances.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Funding modelsame for all |
stablecoin balance
agora.cards checked 28 Oct 2026
Source and check
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? |
stablecoin balance
faq.pexx.com checked 30 Oct 2026
Source and check
Source
faq.pexx.com
Wording at the source
Your PEXX Card spends directly from your Main balance, which holds USD, USDT and USDC. You don't need to top up the card. When you pay, we convert the amount into USD and deduct it from your balances.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| 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? |
USD
faq.pexx.com checked 30 Oct 2026
Source and check
Source
faq.pexx.com
Wording at the source
The authorised currency (currency that you are paying the merchant in) is converted to USD at the moment you pay. We then deduct the converted amount from your USD, USDT or USDC balance using Visa's r...Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Usagesame for all | unknown | 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 |
| Unknown for all | Usage · Cards per account | |
| Availability | ||
| Available insame for all |
Not available in 24 countries and regions
agora.cards checked 29 Oct 2026
Source and check
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? |
USDT, USDC
faq.pexx.com checked 30 Oct 2026
Source and check
Source
faq.pexx.com
Wording at the source
Your PEXX Card spends directly from your Main balance, which holds USD, USDT and USDC. You don't need to top up the card. When you pay, we convert the amount into USD and deduct it from your balances.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Number of supported assetssame for all | unknown | unknown |
| Top-up networkssame for all | unknown |
Ethereum, Tron, BNB Smart Chain, Solana, Polygon, Arbitrum, Base
faq.pexx.com checked 30 Oct 2026
Source and check
Source
faq.pexx.com
Wording at the source
- Tron (TRC-20) - Polygon - Binance Smart Chain (BSC) - Ethereum (ERC-20) - Solana ## USDC (USD Coin) – Supported Networks You can deposit USDC on the following networks: - Base - Arbitrum - Ethere...Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Fiat top-upsame for all | unknown |
Yes
pexx.com checked 30 Oct 2026
Source and check
Source
pexx.com
Wording at the source
You can deposit funds via ACH, Fedwire, and SWIFT payment rails. PEXX provides full banking details for each method. Choose the option that suits your sender or region.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Unknown for all | Number of supported assets | |
| Payments | ||
| Mobile walletssame for all |
Apple Pay
Google Pay
agora.cards checked 28 Oct 2026
Source and check
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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? |
Apple Pay
Google Pay
faq.pexx.com checked 30 Oct 2026
Source and check
Source
faq.pexx.com
Wording at the source
You can add your PEXX Card to Apple Pay or Google Pay from the PEXX app in a few taps.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| ATM withdrawalssame for all | unknown | unknown |
| Contactlesssame for all | unknown |
Yes
pexx.com checked 30 Oct 2026
Source and check
Source
pexx.com
Wording at the source
The PEXX Card is a debit card available to any verified PEXX user. You can use it instantly worldwide—online, in-store, or through tap to pay. Anyone with a valid ID and phone can access global spendi...Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Unknown for all | ATM withdrawals | |
| Fees | ||
| Virtual card issuancesame for all | unknown |
0.00 USD
faq.pexx.com checked 30 Oct 2026
Source and check
Source
faq.pexx.com
Wording at the source
(b) Physical-Card Issuance Fee – A one-off issuance fee applies if you order a physical PEXX Debit Card. The amount of that fee will be disclosed to you during the order process and debited from your...Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Physical card issuancesame for all | unknown |
not published
faq.pexx.com checked 30 Oct 2026
Source and check
Source
faq.pexx.com
Wording at the source
(b) Physical-Card Issuance Fee – A one-off issuance fee applies if you order a physical PEXX Debit Card. The amount of that fee will be disclosed to you during the order process and debited from your...Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
| Free cardssame for all | unknown | unknown |
| Shippingsame for all | unknown | unknown |
| Monthly feesame for all | unknown | unknown |
| Annual feesame for all | unknown | unknown |
| Top-up feesame for all | unknown |
free
faq.pexx.com checked 30 Oct 2026
Source and check
Source
faq.pexx.com
Wording at the source
(d) No Reload or Top-Up Fees – PEXX does not charge any fee to load, reload or transfer funds onto your PEXX Debit Card balance.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Crypto deposit feesame for all | unknown | unknown |
| Crypto conversion feesame for all | unknown | unknown |
| Foreign currency fee (differs)same 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? |
1.2 %
pexx.com checked 30 Oct 2026
Source and check
Source
pexx.com
Wording at the source
We strive to give you the best pricing in the market. PEXX charges a 0.6% platform fee on every card transaction. For non-USD purchases, a 1.2% FX markup applies when converting currencies. No hidden...Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| FX free allowancesame for all | unknown | unknown |
| Minimum FX feesame for all | unknown | unknown |
| ATM feesame for all | unknown | unknown |
| Transaction feesame for all | unknown |
0.6 %
pexx.com checked 30 Oct 2026
Source and check
Source
pexx.com
Wording at the source
We strive to give you the best pricing in the market. PEXX charges a 0.6% platform fee on every card transaction. For non-USD purchases, a 1.2% FX markup applies when converting currencies. No hidden...Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Cross-border feesame for all | unknown | unknown |
| Withdrawal feesame for all | unknown | unknown |
| Activation feesame for all | unknown | unknown |
| Minimum top-upsame for all | unknown | unknown |
| Declined payment feesame for all | unknown | unknown |
| Refund feesame for all | unknown | unknown |
| Inactivity feesame for all | unknown | unknown |
| Minimum monthly spendsame for all | unknown | unknown |
| Inactivity rulesame for all | unknown | unknown |
| Card replacementsame for all | unknown | unknown |
| Unknown for all | Free cards · Shipping · Monthly fee · Annual 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 · Inactivity fee · Minimum monthly spend · Inactivity rule · Card replacement | |
| Rewards | ||
| Cashbacksame for all | unknown |
1 %
faq.pexx.com checked 30 Oct 2026
Source and check
Source
faq.pexx.com
Wording at the source
- 1% back in points on eligible card spendChecked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Referral bonus (invited friend)same for all | unknown | unknown |
| Referral bonus (you)same for all | unknown |
up to 0.25 % of card spend
faq.pexx.com checked 30 Oct 2026
Source and check
Source
faq.pexx.com
Wording at the source
| Tier4 (Diamond) | 51 + | 0.25% |Checked Verified Value wrong? No earlier versions What does [s] mean? |
| Welcome bonussame for all | unknown |
50 USD
faq.pexx.com checked 30 Oct 2026
Source and check
Source
faq.pexx.com
Wording at the source
4.4 The locked 50 USD Earn deposit granted to all new users is independent of the Referral Program and generates no commissions.Checked Verified Value wrong? No earlier versions What does [s] mean? |
| Unknown for all | Referral bonus (invited friend) | |
Early warning
Watch both cards
One mail when something changes at Agora Card · PEXX Card: promotions and bonuses as well as warnings and incidents.