# Bitnob Card vs. Pay3 Card: fees, limits & KYC

- Fewest documents: Pay3 Card (ID document).
- Pay3 Card has the best score (48.78).

## Basics

|  | Bitnob Card | Pay3 Card |
| --- | --- | --- |
| Card form | prepaid | unknown |
| **Card types** | virtual | virtual, physical |
| Card network | Visa | Visa |
| Custody | custodial | custodial |
| Funding model | fiat balance | unknown |
| Card currencies | USD | unknown |
| Usage | personal, business | unknown |
| Issuer / BIN sponsor | unknown | unknown |
| Limits depend on | user setting | unknown |
| Cards per account | not published | unknown |

## Availability

|  | Bitnob Card | Pay3 Card |
| --- | --- | --- |
| Available in | unknown | unknown |

## Crypto

|  | Bitnob Card | Pay3 Card |
| --- | --- | --- |
| Supported assets | BTC, USDT, USDC | unknown |
| Number of supported assets | unknown | unknown |
| Top-up networks | unknown | unknown |
| Fiat top-up | Yes | unknown |

## Payments

|  | Bitnob Card | Pay3 Card |
| --- | --- | --- |
| Mobile wallets | Apple Pay, Google Pay | Apple Pay, Google Pay |
| ATM withdrawals | unknown | unknown |
| Contactless | Yes | unknown |

## Fees

|  | Bitnob Card | Pay3 Card |
| --- | --- | --- |
| **Virtual card issuance** | 1.00 USD | only in the app |
| **Physical card issuance** | not applicable | only in the app |
| Free cards | unknown | unknown |
| Shipping | not applicable | unknown |
| Monthly fee | unknown | unknown |
| Annual fee | not published | unknown |
| Top-up fee | unknown | free |
| Crypto deposit fee | unknown | unknown |
| Markup when the card converts crypto or stablecoins into the spending currency (spread over the market or provider rate), as a rate; same optional parts as fx_fee (fixed, min, range, up_to, condition). | not published | unknown |
| Fee on payments in a currency other than the card currency, as a rate. Write what the table states: "2 % + 0.30 USD" → fixed; "1 % or 0.40 USD, whichever is greater" → min; "0.40–0.70 %" → percent 0.70 with percent_min 0.40; "up to 2 %" → up_to; weekday/weekend or similar → condition. Different rates by where you pay (SEPA zone vs. rest of the world) → one value per location qualifier. "No FX fee" / "0 %" is 0. | unknown | only in the app |
| FX free allowance | unknown | unknown |
| Minimum FX fee | unknown | unknown |
| ATM fee | unknown | only in the app |
| Transaction fee | unknown | unknown |
| Cross-border fee | unknown | only in the app |
| Withdrawal fee | unknown | unknown |
| Activation fee | unknown | unknown |
| Minimum top-up | 3.00 USD | unknown |
| Declined payment fee | unknown | unknown |
| Refund fee | unknown | unknown |
| Inactivity fee | unknown | unknown |
| Minimum monthly spend | unknown | unknown |
| **Inactivity rule** | Account may be classified as dormant after an extended period of inactivity; reactivation may require re-verification. | The account may be suspended or terminated if it remains inactive for a prolonged period (e.g. 6 months or more). |
| Card replacement | unknown | unknown |

## Rewards

|  | Bitnob Card | Pay3 Card |
| --- | --- | --- |
| Cashback | unknown | unknown |
| Referral bonus (invited friend) | unknown | unknown |
| Referral bonus (you) | unknown | not published |
| Welcome bonus | unknown | unknown |

## Limits (entry level)

|  | Bitnob Card | Pay3 Card |
| --- | --- | --- |
| Limits (entry level) | Top-up per transaction 2,500 USD · Balance in total 50,000 USD · Single payment per transaction 10,000 USD | Spending per day only in the app |

- [Bitnob Card](https://cryptocardss.com/en/bitnob-card.md)
- [Pay3 Card](https://cryptocardss.com/en/pay3-card.md)

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- **Canonical URL:** https://cryptocardss.com/en/compare/bitnob-card-vs-pay3-card/
- **As of:** 30 Oct 2026
- **Data licence:** CC BY 4.0 (https://creativecommons.org/licenses/by/4.0/)

Please cite: Source: cryptocardss.com (cryptovss), as of 30 Oct 2026, https://cryptocardss.com/en/compare/bitnob-card-vs-pay3-card/