Comparison
BitPay Card vs. Onboard Card: fees, limits & KYC
-
Illustration
Drawn by us from the provider logo and card colours, not the official card picture.
Drawn on
BitPay CardBitPay
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Illustration
Drawn by us from the provider logo and card colours, not the official card picture.
Drawn on
Onboard CardOnboard
In short
- BitPay Card has the higher score (65.17).
| Attribute |
BitPay CardBitPay
Requires KYC
Private
Virtual
Physical
|
Onboard CardOnboard
Requires KYC
Private
Virtual
|
|---|---|---|
| Score | good | average |
| CostsWeight 25 % | 80 | 75 |
| KYC and privacyWeight 20 % | 35 | 35 |
| FeaturesWeight 15 % | 90 | 79 |
| AvailabilityWeight 10 % | 17 | 75 |
| RewardsWeight 10 % | 100 | not scored |
| TrustWeight 10 % | 80 | 87 |
| CommunityWeight 10 % | not scored | not scored |
| KYC | KYC: ID document | KYC: ID document |
| Limits (entry level) |
|
Initial identity verification
|
| Basics | ||
| Card form |
prepaid
bitpay.com checked 29 Oct 2026
Source and check
Source
bitpay.com
Wording at the source
2. Your Card. The Card is a prepaid card.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
prepaid
help.onboard.xyz checked 29 Oct 2026
Source and check
Source
help.onboard.xyz
Wording at the source
- USD-denominated — your card balance is held in USD - Cards must be funded before spendingChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Card types (differs) |
virtual, physical
bitpay.com checked 29 Oct 2026
Source and check
Source
bitpay.com
Wording at the source
You may request, be issued, and/or use a physical plastic card (a "Physical Card") or a virtual representation of the card (a "Virtual Card").Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
virtual
help.onboard.xyz checked 29 Oct 2026
Source and check
Source
help.onboard.xyz
Wording at the source
Onboard offers USD virtual Visa cards (called Flex Cards) that let you pay for things online and in-store around the world.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Card network (differs) |
Mastercard
bitpay.com checked 29 Oct 2026
Source and check
Source
bitpay.com
Wording at the source
Mastercard® that has been issued to you by Metropolitan Commercial Bank (Member FDIC) pursuant to a license from Mastercard International.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
Visa
help.onboard.xyz checked 29 Oct 2026
Source and check
Source
help.onboard.xyz
Wording at the source
Onboard offers USD virtual Visa cards (called Flex Cards) that let you pay for things online and in-store around the world.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Custody | unknown | unknown |
| Funding model |
fiat balance
bitpay.com checked 29 Oct 2026
Source and check
Source
bitpay.com
Wording at the source
The Card allows you to access funds loaded to your Card Account by you or on your behalf.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
fiat balance
help.onboard.xyz checked 29 Oct 2026
Source and check
Source
help.onboard.xyz
Wording at the source
- USD-denominated — your card balance is held in USD - Cards must be funded before spendingChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Card currencies |
USD
bitpay.com checked 29 Oct 2026
Source and check
Source
bitpay.com
Wording at the source
If you effect a transaction with your Prepaid Mastercard in a currency other than US Dollars, Mastercard will convert the charge into a US Dollar amount.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
USD
help.onboard.xyz checked 29 Oct 2026
Source and check
Source
help.onboard.xyz
Wording at the source
- USD-denominated — your card balance is held in USDChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Usage |
personal
bitpay.com checked 29 Oct 2026
Source and check
Source
bitpay.com
Wording at the source
You must be 18 years old to qualify as a Cardholder.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
personal
onboard.xyz checked 29 Oct 2026
Source and check
Source
onboard.xyz
Wording at the source
Whether you're a freelancer getting paid in dollars, a remote worker spending in euros, or a creator earning across borders, your money shouldn't be limited by where you live. Onboard gives you real...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Issuer / BIN sponsor (differs) |
Metropolitan Commercial Bank
bitpay.com checked 29 Oct 2026
Source and check
Source
bitpay.com
Wording at the source
Mastercard® that has been issued to you by Metropolitan Commercial Bank (Member FDIC) pursuant to a license from Mastercard International.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
unknown |
| Limits depend on | unknown | unknown |
| Cards per account (differs) |
1
bitpay.com checked 29 Oct 2026
Source and check
Source
bitpay.com
Wording at the source
number of Cards per Card Account is limited to 1.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
unknown |
| Availability | ||
| Available in (differs) | unknown |
Not available in 41 countries and regions
help.onboard.xyz checked 29 Oct 2026
Source and check
Source
help.onboard.xyz
Wording at the source
Countries where Onboard verification is not supported: - Afghanistan - Algeria - Belarus - Burundi - Central African Republic - China - Comoros - Congo (Democratic Republic) - Congo (Republic) - Cuba...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Crypto | ||
| Supported assets (differs) |
BTC, ETH, USDC, DOGE, LTC, DAI, BCH, MATIC, SHIB, WBTC, APE, USDP
bitpay.com checked 29 Oct 2026
Source and check
Source
bitpay.com
Wording at the source
In addition to Polygon (MATIC), BitPay supports the following cryptocurrencies: - Bitcoin (BTC) - Bitcoin Cash (BCH) - Ethereum (ETH) - Litecoin (LTC) - Dogecoin (DOGE) - Shiba Inu (SHIB) - ApeCoin (...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? History What does [s] mean? + 3 moreBTCETHUSDCDOGELTCDAIBCHMATICSHIBWBTCAPEUSDPGUSDBUSDEUROC |
BTC, ETH, USDT, USDC, SOL, BNB, XRP, TRX, TON, DOGE, ADA, LTC
help.onboard.xyz checked 29 Oct 2026
Source and check
Source
help.onboard.xyz
Wording at the source
The Trading Wallet currently supports the following tokens: Stablecoins: USDT, USDC, DAI Major tokens: BTC, ETH, SOL, XRP, BNB, ADA, AVAX, DOT, LINK, LTC, BCH, XLM, NEAR, HBAR, TON, TRX, XTZ, POL, A...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? History What does [s] mean? + 54 moreBTCETHUSDTUSDCSOLBNBXRPTRXTONDOGEADALTCPOLAVAXDAILINKBCHDOTARBOPXLMSHIBNEARAPTUNIAAVEWLDSAPEHBARXTZSTRKSEICELOTIASCRKAIACOREEIGENRENDERRUNECAKEENAHYPEJUPMASKCARVUXLINKVIRTUALGRASSPEPEWIFBONKPOPCATBRETTFLOKIMOGGOATCHILLGUYMEWDEGENBOMESUNDOGNOTSANDTRUMP |
| Number of supported assets | unknown | unknown |
| Top-up networks (differs) | unknown |
Ethereum, Tron, BNB Smart Chain, Solana, Polygon, Arbitrum, Base, Optimism
help.onboard.xyz checked 29 Oct 2026
Source and check
Source
help.onboard.xyz
Wording at the source
The following networks are supported for depositing stablecoins into your Cash Balance and for funding your cards: USDT: Arbitrum One, BNB Smart Chain (BSC), Ethereum, Optimism, Polygon, Solana, Tron...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Fiat top-up (differs) | unknown |
Yes
help.onboard.xyz checked 29 Oct 2026
Source and check
Source
help.onboard.xyz
Wording at the source
From a bank account (local currency): 1. Go to Cards → tap Fund on your card 2. Select your local currency (NGN, IDR, or KES) 3. Enter the amount you want to add 4. Send money to the bank details sho...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Payments | ||
| Mobile wallets (differs) |
Apple Pay
bitpay.com checked 29 Oct 2026
Source and check
Source
bitpay.com
Wording at the source
Users can add the BitPay crypto debit card to Apple Pay and make purchases wherever Apple Pay is accepted globally.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
Apple Pay
Google Pay
help.onboard.xyz checked 29 Oct 2026
Source and check
Source
help.onboard.xyz
Wording at the source
- Pay in-store via Apple Pay or Google Pay (tap-to-pay)Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| ATM withdrawals (differs) |
Yes
bitpay.com checked 29 Oct 2026
Source and check
Source
bitpay.com
Wording at the source
With a PIN, you may use your Card to (i) obtain cash or check your balance at any Automated Teller Machine ("ATM") that bears the Mastercard®Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
No
help.onboard.xyz checked 29 Oct 2026
Source and check
Source
help.onboard.xyz
Wording at the source
There are two ways to withdraw funds from your card: 1. To another Onboard balance On the Card dashboard, tap → Move → select destination (Cash/USD balance, Trading Wallet, another card) 2. To an e...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Contactless |
Yes
bitpay.com checked 29 Oct 2026
Source and check
Source
bitpay.com
Wording at the source
Apple Pay is not only available for in-app purchases, but contactless purchases in store and online using your iPhone, Apple Watch, iPad, and Mac.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
Yes
help.onboard.xyz checked 29 Oct 2026
Source and check
Source
help.onboard.xyz
Wording at the source
- Pay in-store via Apple Pay or Google Pay (tap-to-pay)Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Fees | ||
| Virtual card issuance (differs) |
0.00 USD
bitpay.com checked 29 Oct 2026
Source and check
Source
bitpay.com
Wording at the source
Virtual Card purchase fee $0.00 We do not charge a fee for this serviceChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
unknown |
| Physical card issuance (differs) |
0.00 USD
bitpay.com checked 29 Oct 2026
Source and check
Source
bitpay.com
Wording at the source
Physical Card purchase fee $0.00 We do not charge a fee for this serviceChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
not applicable
help.onboard.xyz checked 29 Oct 2026
Source and check
Source
help.onboard.xyz
Wording at the source
Onboard offers USD virtual Visa cards (called Flex Cards) that let you pay for things online and in-store around the world.Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? |
| Free cards | unknown | unknown |
| Shipping (differs) | unknown |
not applicable
help.onboard.xyz checked 29 Oct 2026
Source and check
Source
help.onboard.xyz
Wording at the source
Onboard offers USD virtual Visa cards (called Flex Cards) that let you pay for things online and in-store around the world.Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? |
| Monthly fee (differs) |
0.00 USD
bitpay.com checked 29 Oct 2026
Source and check
Source
bitpay.com
Wording at the source
Monthly fee $0.00 We do not charge a fee for this serviceChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
unknown |
| Annual fee | unknown | unknown |
| Top-up fee (differs) |
free
bitpay.com checked 29 Oct 2026
Source and check
Source
bitpay.com
Wording at the source
BitPay loads and reloads $0.00 We do not charge a fee for this serviceChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
1.25 %
help.onboard.xyz checked 29 Oct 2026
Source and check
Source
help.onboard.xyz
Wording at the source
| Flex | 1.25% |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Crypto deposit fee | unknown | unknown |
| Crypto conversion fee | unknown | unknown |
| Foreign currency fee (differs) |
3 %
bitpay.com checked 29 Oct 2026
Source and check
Source
bitpay.com
Wording at the source
POS signature purchase We charge 3% when currency conversion is $0.00 (int'l) performedChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
unknown |
| FX free allowance | unknown | unknown |
| Minimum FX fee | unknown | unknown |
| ATM fee (differs) | unknown |
not applicable
help.onboard.xyz checked 29 Oct 2026
Source and check
Source
help.onboard.xyz
Wording at the source
There are two ways to withdraw funds from your card: 1. To another Onboard balance On the Card dashboard, tap → Move → select destination (Cash/USD balance, Trading Wallet, another card) 2. To an e...Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? |
| Transaction fee (differs) |
free
bitpay.com checked 29 Oct 2026
Source and check
Source
bitpay.com
Wording at the source
POS PIN debit purchase $0.00 We do not charge a fee for this service POS signature purchase $0.00 We do not charge a fee for this serviceChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
unknown |
| Cross-border fee | unknown | unknown |
| Withdrawal fee | unknown | unknown |
| Activation fee (differs) |
0.00 USD
bitpay.com checked 29 Oct 2026
Source and check
Source
bitpay.com
Wording at the source
Card activation fee $0.00 We do not charge a fee for this serviceChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
unknown |
| Minimum top-up | unknown | unknown |
| Declined payment fee (differs) |
0.00 USD
bitpay.com checked 29 Oct 2026
Source and check
Source
bitpay.com
Wording at the source
POS PIN purchase $0.00 We do not charge a fee for this service (declined) POS SIG purchase $0.00 We do not charge a fee for this service (declined)Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
unknown |
| Refund fee | unknown | unknown |
| Inactivity fee (differs) |
5.00 USD
bitpay.com checked 29 Oct 2026
Source and check
Source
bitpay.com
Wording at the source
Assessed each month after 90 days of no Dormancy $5.00 transactionChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
unknown |
| Minimum monthly spend | unknown | unknown |
| Inactivity rule (differs) |
Dormancy fee assessed each month after 90 days of no transaction.
bitpay.com checked 29 Oct 2026
Source and check
Source
bitpay.com
Wording at the source
Assessed each month after 90 days of no Dormancy $5.00 transactionChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
unknown |
| Card replacement | unknown | unknown |
| Rewards | ||
| Cashback (differs) |
only in the app
bitpay.com checked 29 Oct 2026
Source and check
Source
bitpay.com
Wording at the source
Each merchant is different, and the percentage you earn will be shown next to the offer and in the offer details.Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? |
unknown |
| Referral bonus (invited friend) | unknown | unknown |
| Referral bonus (you) | unknown | unknown |
| Welcome bonus | unknown | unknown |
Highlighted rows differ.
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