# Airtm USD Virtual Prepaid Card vs. SafePal Mastercard: fees, limits & KYC

- SafePal Mastercard has the best score (7.2).

## Basics

|  | Airtm USD Virtual Prepaid Card | SafePal Mastercard |
| --- | --- | --- |
| **Card form** | prepaid | debit |
| Card types | virtual | virtual |
| **Card network** | Visa | Mastercard |
| Custody | custodial | custodial |
| Funding model | stablecoin balance | stablecoin balance |
| **Card currencies** | USD | CHF, CNY, EUR, USD |
| Usage | personal | personal |
| **Issuer / BIN sponsor** | Lead Bank | Fiat24 (SR Saphirstein AG) |
| **Limits depend on** | KYC level | user setting |
| Cards per account | unknown | unknown |

## Availability

|  | Airtm USD Virtual Prepaid Card | SafePal Mastercard |
| --- | --- | --- |
| **Available in** | not published | Available in 42 countries and regions |

## Crypto

|  | Airtm USD Virtual Prepaid Card | SafePal Mastercard |
| --- | --- | --- |
| Supported assets | USDC | USDC |
| Number of supported assets | unknown | unknown |
| Top-up networks | unknown | Arbitrum |
| Fiat top-up | unknown | Yes |

## Payments

|  | Airtm USD Virtual Prepaid Card | SafePal Mastercard |
| --- | --- | --- |
| **Mobile wallets** | Apple Pay, Google Pay | Apple Pay, Google Pay, Samsung Pay |
| **ATM withdrawals** | No | Yes |
| Contactless | Yes | Yes |

## Fees

|  | Airtm USD Virtual Prepaid Card | SafePal Mastercard |
| --- | --- | --- |
| **Virtual card issuance** | 0.00 USD | not published |
| Physical card issuance | not applicable | not applicable |
| Free cards | unknown | unknown |
| Shipping | not applicable | not applicable |
| Monthly fee | 0.00 USD | 0.00 USD |
| Annual fee | unknown | 0.00 USD |
| **Top-up fee** | 1 % up to 200 USD per month, then free | free |
| **Crypto deposit fee** | not published | free |
| Crypto conversion fee | unknown | unknown |
| Foreign currency fee | unknown | 1 % |
| FX free allowance | not published | unknown |
| Minimum FX fee | not published | unknown |
| ATM fee | not applicable | unknown |
| Transaction fee | unknown | unknown |
| Cross-border fee | not published | unknown |
| Withdrawal fee | not published | unknown |
| **Activation fee** | not published | 0.00 USD |
| Account closure fee | not published | not published |
| Dispute fee | not published | not published |
| Minimum top-up | not applicable | unknown |
| Declined payment fee | not published | unknown |
| Refund fee | not published | unknown |
| Inactivity fee | only in the app | unknown |
| Minimum monthly spend | unknown | unknown |
| Inactivity rule | If no load is made in the last 30 days an inactivity fee is deducted from the card balance; a card with no balance and no loads for 180 days is deleted automatically. | unknown |
| Card replacement | not published | unknown |

## Rewards

|  | Airtm USD Virtual Prepaid Card | SafePal Mastercard |
| --- | --- | --- |
| Cashback | unknown | unknown |
| Referral bonus (invited friend) | unknown | unknown |
| Referral bonus (you) | unknown | up to 40 % of fees |
| Welcome bonus | unknown | unknown |

## Limits (entry level)

|  | Airtm USD Virtual Prepaid Card | SafePal Mastercard |
| --- | --- | --- |
| Limits (entry level) | Spending per day 2,000 USD | Spending per day 10,000 USD · Spending per day (number) 100× · Spending per month 20,000 USD |

- [Airtm USD Virtual Prepaid Card](https://cryptocardss.com/en/airtm-usd-virtual-prepaid-card.md)
- [SafePal Mastercard](https://cryptocardss.com/en/safepal-mastercard.md)

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- **Canonical URL:** https://cryptocardss.com/en/compare/airtm-usd-virtual-prepaid-card-vs-safepal-mastercard/
- **As of:** 31 Oct 2026
- **Data licence:** CC BY 4.0 (https://creativecommons.org/licenses/by/4.0/)

Please cite: Source: cryptocardss.com (cryptovss), as of 31 Oct 2026, https://cryptocardss.com/en/compare/airtm-usd-virtual-prepaid-card-vs-safepal-mastercard/