Comparison
Agora Card vs. SafePal Mastercard: 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
SafePal MastercardSafePal
In short
- SafePal Mastercard has the lowest foreign currency fee (1 %).
- Agora Card ask for the least (No ID).
- SafePal Mastercard has the higher score (63.14).
| Attribute |
Agora CardAgora Cards
No KYC
Virtual
Physical
|
SafePal MastercardSafePal
Requires KYC
Private
Virtual
|
|---|---|---|
| Score | average | average |
| CostsWeight 25 % | 50 | 92 |
| KYC and privacyWeight 20 % | 70 | 35 |
| FeaturesWeight 15 % | 73 | 68 |
| AvailabilityWeight 10 % | 95 | 42 |
| RewardsWeight 10 % | not scored | not scored |
| TrustWeight 10 % | 45 | 88 |
| CommunityWeight 10 % | not scored | not scored |
| KYC | KYC: No ID | KYC: ID document |
| Limits (entry level) |
|
|
| Basics | ||
| Card form (differs) | unknown |
debit
safepal.com checked 29 Oct 2026
Source and check
Source
safepal.com
Wording at the source
Link your account with virtual Master debit cards which are accepted at 40M+ merchants, including all Master debit card supported platformsChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Card types (differs) |
virtual, physical
agora.cards checked 28 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 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
virtual
safepal.com checked 29 Oct 2026
Source and check
Source
safepal.com
Wording at the source
Link your account with virtual Master debit cards which are accepted at 40M+ merchants, including all Master debit card supported platformsChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Card network (differs) |
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? |
Mastercard
safepal.com checked 29 Oct 2026
Source and check
Source
safepal.com
Wording at the source
Link your account with virtual Master debit cards which are accepted at 40M+ merchants, including all Master debit card supported platformsChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Custody |
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
safepal.com checked 28 Oct 2026
Two sources, two values
Showncustodial
safepal.comchecked 28 Oct 2026
If the User is using any Centralized Digital Asset Exchange, Banking Accout and Card Services, Fiat Currency and Digital Asset on-ramp and off-ramp service or any centralized service provided by Third...Differingvalue not recorded safepalsupport.zendesk.comfetched 28 Oct 2026 Our verifier confirmed the shown value; the differing source is being checked. Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Funding model |
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
safepalsupport.zendesk.com checked 29 Oct 2026
Source and check
Source
safepalsupport.zendesk.com
Wording at the source
Having EUR24, USD24, and CHF24 in your wallet signifies that you possess the equivalent amount of legal currency in your Fiat24 IBAN account. When you transfer funds from your Fiat24 IBAN account, the...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Card currencies (differs) |
USD
agora.cards checked 28 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 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
CHF, CNY, EUR, USD
safepalsupport.zendesk.com checked 28 Oct 2026
Source and check
Source
safepalsupport.zendesk.com
Wording at the source
Enjoy zero FX fees when spending in EUR, CHF, USD, and CNY, along with no deposit fees for seamless funding—making everyday transactions cost-effective and efficient.Checked Verified Check overdue · last 28 Oct 2026 Value wrong? History What does [s] mean? |
| Usage (differs) | unknown |
personal
safepal.com checked 29 Oct 2026
Source and check
Source
safepal.com
Wording at the source
If you are a citizen in any of the supported regions and reside in supported areas, you will be able to open an account.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Issuer / BIN sponsor (differs) |
not published
agora.cards checked 29 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 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? |
Fiat24 (SR Saphirstein AG)
safepal.com checked 28 Oct 2026
Two sources, two values
ShownFiat24 (SR Saphirstein AG)
safepal.comchecked 28 Oct 2026
3.6 Fiat24 Banking Services. SafePal connects Users with banking and card services provided by Fiat24, a financial institution regulated in Switzerland and operated by SR Saphirstein AG. All banking,...Differingvalue not recorded safepalsupport.zendesk.comfetched 28 Oct 2026 Our verifier confirmed the shown value; the differing source is being checked. Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Limits depend on (differs) |
plan
agora.cards checked 28 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 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
user setting
safepal.com checked 29 Oct 2026
Source and check
Source
safepal.com
Wording at the source
Customize your spending limit for advanced security2Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Cards per account | unknown | unknown |
| Availability | ||
| Available in (differs) |
Not available in 24 countries and regions
agora.cards checked 28 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 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
Available in 42 countries and regions
safepal.com checked 28 Oct 2026
Source and check
Source
safepal.com
Wording at the source
$100,000 monthly transaction limit with Mastercard support Aland Islands(ALA) Australia(AUS) Austria(AUT) Belgium(BEL) Canada(CAN) Cyprus(CYP) Czech Republic(CZE) Denmark(DNK) Estonia(EST) F...Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Crypto | ||
| Supported assets (differs) |
USDT, USDC
agora.cards checked 28 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 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
USDC
safepalsupport.zendesk.com checked 29 Oct 2026
Source and check
Source
safepalsupport.zendesk.com
Wording at the source
Kindly note that the supported default deposit $USDC token in the SafePal and Fiat24 gateway is native $USDC token issued on the Arbitrum network.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Number of supported assets | unknown | unknown |
| Top-up networks (differs) | unknown |
Arbitrum
safepalsupport.zendesk.com checked 29 Oct 2026
Source and check
Source
safepalsupport.zendesk.com
Wording at the source
Kindly note that the supported default deposit $USDC token in the SafePal and Fiat24 gateway is native $USDC token issued on the Arbitrum network.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Fiat top-up (differs) | unknown |
Yes
safepalsupport.zendesk.com checked 28 Oct 2026
Source and check
Source
safepalsupport.zendesk.com
Wording at the source
Step 2: Select IBAN, then select the fiat account you want to deposit.Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Payments | ||
| Mobile wallets (differs) |
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? |
Apple Pay
Google Pay
Samsung Pay
safepal.com checked 29 Oct 2026
Source and check
Source
safepal.com
Wording at the source
Spend crypto via popular and established payment platforms like Paypal, Apple Pay, Google Pay, Samsung Pay, and moreChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| ATM withdrawals (differs) | unknown |
Yes
safepalsupport.zendesk.com checked 28 Oct 2026
Source and check
Source
safepalsupport.zendesk.com
Wording at the source
ATM Withdrawal: Switch it off when you don't have contactless withdrawal requirementsChecked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Contactless (differs) | unknown |
Yes
safepal.com checked 29 Oct 2026
Source and check
Source
safepal.com
Wording at the source
For Mastercards, the limit for contactless payments is 1,600 EUR per day and 5,000 EUR per day for other payment methods. The monthly consumption limit is the same as the transaction limit.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Fees | ||
| Virtual card issuance | unknown | unknown |
| Physical card issuance (differs) | unknown |
not applicable
safepal.com checked 28 Oct 2026
Source and check
Source
safepal.com
Wording at the source
Link your account with virtual Master debit cards which are accepted at 40M+ merchants, including all Master debit card supported platformsChecked Verified Check overdue · last 28 Oct 2026 Add this value? Unchanged since 28 Oct 2026 What does [s] mean? |
| Free cards | unknown | unknown |
| Shipping (differs) | unknown |
not applicable
safepal.com checked 29 Oct 2026
Source and check
Source
safepal.com
Wording at the source
Link your account with virtual Master debit cards which are accepted at 40M+ merchants, including all Master debit card supported platformsChecked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 28 Oct 2026 What does [s] mean? |
| Monthly fee (differs) | unknown |
0.00 USD
safepalsupport.zendesk.com checked 29 Oct 2026
Source and check
Source
safepalsupport.zendesk.com
Wording at the source
There are no account opening fees, management fees, or any other additional charges.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Annual fee (differs) | unknown |
0.00 USD
safepalsupport.zendesk.com checked 29 Oct 2026
Source and check
Source
safepalsupport.zendesk.com
Wording at the source
There are no account opening fees, management fees, or any other additional charges.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Top-up fee (differs) | unknown |
free
safepalsupport.zendesk.com checked 29 Oct 2026
Two sources, two values
Shownfree
safepalsupport.zendesk.comchecked 29 Oct 2026
The standard deposit/top-up fee is set at 0% .Differing1 % safepalsupport.zendesk.comfetched 29 Oct 2026 The standard deposit fee is 1%. Users can enjoy better fees in the form of rebates with higher account tiers.Our verifier confirmed the shown value; the differing source is being checked. Check overdue · last 29 Oct 2026 Value wrong? History What does [s] mean? |
| Crypto deposit fee (differs) | unknown |
free
safepalsupport.zendesk.com checked 29 Oct 2026
Two sources, two values
Shownfree
safepalsupport.zendesk.comchecked 29 Oct 2026
The standard deposit/top-up fee is set at 0% .Differing1 % safepalsupport.zendesk.comfetched 29 Oct 2026 The standard deposit fee is 1%. Users can enjoy better fees in the form of rebates with higher account tiers.Our verifier confirmed the shown value; the differing source is being checked. Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Crypto conversion fee | unknown | unknown |
| Foreign currency fee (differs) |
1.5 %
agora.cards checked 28 Oct 2026
Source and check
Source
agora.cards
Wording at the source
| FX Fee | 1.5% | 1.5% |Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
1 %
safepalsupport.zendesk.com checked 29 Oct 2026
Two sources, two values
Shown1 %
safepalsupport.zendesk.comchecked 29 Oct 2026
Mastercard transactions settled in non-USD currencies will incur a 1% currency exchange fee. A processing fee of 1 USD/1 EUR/1 CHF/7 CNH will be charged per refund, depending on the payment currency.Differingvalue not recorded safepalsupport.zendesk.comfetched 28 Oct 2026 The shown value comes from the more binding source (terms and fee schedules rank above help pages, product pages and app stores). Check overdue · last 29 Oct 2026 Value wrong? History What does [s] mean? |
| FX free allowance | unknown | unknown |
| Minimum FX fee | unknown | unknown |
| ATM fee | unknown | unknown |
| Transaction fee | unknown | unknown |
| Cross-border fee | unknown | unknown |
| Withdrawal fee | unknown | unknown |
| Activation fee | unknown | unknown |
| Minimum top-up | unknown | unknown |
| Declined payment fee | unknown | unknown |
| Refund fee | unknown | unknown |
| Inactivity fee | unknown | unknown |
| Minimum monthly spend | unknown | unknown |
| Inactivity rule | unknown | unknown |
| Card replacement | unknown | unknown |
| Rewards | ||
| Cashback | unknown | unknown |
| Referral bonus (invited friend) | unknown | unknown |
| Referral bonus (you) | unknown | unknown |
| Welcome bonus | unknown | unknown |
Highlighted rows differ.
Early warning
Watch both cards
One mail when something changes at Agora Card · SafePal Mastercard: promotions and bonuses as well as warnings and incidents.