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Comparison

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

In short

  • SafePal Mastercard has the best score (7.2).
Show

differs best value same for all

Attribute Airtm USD Virtual Prepaid Card Airtm USD Virtual Prepaid CardAirtm Illustration: SafePal Mastercard SafePal MastercardSafePal
Overview Requires KYC Private Virtual Requires KYC Private Virtual
Score good good
CostsWeight 25 % 8.1 8.4
TrustWeight 20 % 7.6 7.6
KYC and privacyWeight 15 % 6.5 6.5
FeaturesWeight 15 % 5.2 6.8
AvailabilityWeight 10 % not scored 6.8
RewardsWeight 10 % not scored not scored
CommunityWeight 5 % 5.3 6.3
KYC KYC: ID document KYC: ID document
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
+2
Basics
Card form (differs) prepaid help.airtm.com checked 29 Oct 2026 debit safepal.com checked 29 Oct 2026
Card typessame for all virtual help.airtm.com checked 29 Oct 2026 virtual safepal.com checked 29 Oct 2026
Card network (differs) Visa help.airtm.com checked 29 Oct 2026 Mastercard safepal.com checked 29 Oct 2026
Custodysame for all custodial help.airtm.com checked 30 Oct 2026 custodial safepal.com checked 28 Oct 2026
Funding modelsame for all stablecoin balance help.airtm.com checked 29 Oct 2026 stablecoin balance safepalsupport.zendesk.com checked 29 Oct 2026
Card currencies (differs) USD help.airtm.com checked 29 Oct 2026 CHF, CNY, EUR, USD safepalsupport.zendesk.com checked 28 Oct 2026
Usagesame for all personal help.airtm.com checked 29 Oct 2026 personal safepal.com checked 29 Oct 2026
Issuer / BIN sponsor (differs) Lead Bank help.airtm.com checked 29 Oct 2026 Fiat24 (SR Saphirstein AG) safepal.com checked 28 Oct 2026
Limits depend on (differs) KYC level help.airtm.com checked 30 Oct 2026 user setting safepal.com checked 29 Oct 2026
Cards per account unknown unknown
Unknown for allCards per account
Availability
Available in (differs) not published help.airtm.com checked 29 Oct 2026 Available in 42 countries and regions safepal.com checked 28 Oct 2026
Crypto
Supported assetssame for all USDC help.airtm.com checked 29 Oct 2026 USDC safepalsupport.zendesk.com checked 29 Oct 2026
Number of supported assets unknown unknown
Top-up networks unknown Arbitrum safepalsupport.zendesk.com checked 29 Oct 2026
Fiat top-up unknown Yes safepalsupport.zendesk.com checked 28 Oct 2026
Unknown for allNumber of supported assets
Payments
Mobile wallets (differs) Apple Pay Google Pay help.airtm.com checked 29 Oct 2026 Apple Pay Google Pay Samsung Pay safepal.com checked 29 Oct 2026
ATM withdrawals (differs) No help.airtm.com checked 30 Oct 2026 Yes safepalsupport.zendesk.com checked 28 Oct 2026
Contactlesssame for all Yes airtm.com checked 30 Oct 2026 Yes safepal.com checked 29 Oct 2026
Fees
Virtual card issuance (differs) 0.00 USD help.airtm.com checked 29 Oct 2026 not published safepalsupport.zendesk.com checked 31 Oct 2026
Physical card issuancesame for all not applicable help.airtm.com checked 29 Oct 2026 not applicable safepal.com checked 28 Oct 2026
Free cards unknown unknown
Shippingsame for all not applicable help.airtm.com checked 30 Oct 2026 not applicable safepal.com checked 29 Oct 2026
Monthly feesame for all 0.00 USD help.airtm.com checked 29 Oct 2026 0.00 USD safepalsupport.zendesk.com checked 29 Oct 2026
Annual fee unknown 0.00 USD safepalsupport.zendesk.com checked 29 Oct 2026
Top-up fee (differs) 1 % up to 200 USD per month, then free airtm.com checked 30 Oct 2026 free safepalsupport.zendesk.com checked 29 Oct 2026
Crypto deposit fee (differs) not published help.airtm.com checked 30 Oct 2026 free safepalsupport.zendesk.com checked 29 Oct 2026
Crypto conversion fee unknown unknown
Foreign currency fee unknown 1 % safepalsupport.zendesk.com checked 29 Oct 2026
FX free allowance not published help.airtm.com checked 30 Oct 2026 unknown
Minimum FX fee not published help.airtm.com checked 30 Oct 2026 unknown
ATM fee not applicable help.airtm.com checked 30 Oct 2026 unknown
Transaction fee unknown unknown
Cross-border fee not published help.airtm.com checked 30 Oct 2026 unknown
Withdrawal fee not published help.airtm.com checked 30 Oct 2026 unknown
Activation fee (differs) not published help.airtm.com checked 30 Oct 2026 0.00 USD safepal.com checked 30 Oct 2026
Account closure feesame for all not published help.airtm.com checked 31 Oct 2026 not published safepalsupport.zendesk.com checked 31 Oct 2026
Dispute feesame for all not published help.airtm.com checked 31 Oct 2026 not published safepalsupport.zendesk.com checked 31 Oct 2026
Minimum top-up not applicable airtm.com checked 30 Oct 2026 unknown
Declined payment fee not published help.airtm.com checked 30 Oct 2026 unknown
Refund fee not published help.airtm.com checked 30 Oct 2026 unknown
Inactivity fee only in the app help.airtm.com checked 29 Oct 2026 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. help.airtm.com checked 29 Oct 2026 unknown
Card replacement not published help.airtm.com checked 30 Oct 2026 unknown
Unknown for allFree cards · Crypto conversion fee · Transaction fee · Minimum monthly spend
Rewards
Cashback unknown unknown
Referral bonus (invited friend) unknown unknown
Referral bonus (you) unknown up to 40 % of fees safepal.com checked 30 Oct 2026
Welcome bonus unknown unknown
Unknown for allCashback · Referral bonus (invited friend) · Welcome bonus

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