Comparison
Bitypay Visa Infinite Card vs. Tangem Pay Card: fees, limits & KYC
-
bitypay.io29 Oct 2026
Image source
Source
bitypay.io
Retrieved on
Logos and card pictures are trademarks of their owners and are shown for identification only.
Bitypay Visa Infinite CardBitypay
-
tangem.com29 Oct 2026
Image source
Source
tangem.com
Retrieved on
Logos and card pictures are trademarks of their owners and are shown for identification only.
Tangem Pay CardTangem
In short
- Tangem Pay Card has the lowest monthly fee (0.00 USD).
- Tangem Pay Card has the lowest foreign currency fee (1.5 % above the network rate).
- Tangem Pay Card ask for the least (ID document).
- Bitypay Visa Infinite Card has the higher score (53.16).
| Attribute |
Bitypay Visa Infinite CardBitypay
Requires KYC
Private & business
Virtual
Physical
|
Tangem Pay CardTangem
Requires KYC
Virtual
Physical
Metal
|
|---|---|---|
| Score | average | average with variant Plus: 52.34 with variant Prestige (waitlist): 57.57 |
| CostsWeight 25 % | 79 | 61 |
| KYC and privacyWeight 20 % | 18 | 35 |
| FeaturesWeight 15 % | 60 | 84 |
| AvailabilityWeight 10 % | not scored | not scored |
| RewardsWeight 10 % | not scored | 26 |
| TrustWeight 10 % | 59 | 55 |
| CommunityWeight 10 % | not scored | not scored |
| KYC | KYC: ID + proof of address | KYC: ID document |
| Limits (entry level) |
|
|
| Basics | ||
| Card form (differs) |
debit
bitypay.io checked 29 Oct 2026
Source and check
Source
bitypay.io
Wording at the source
The Bitypay Card is a Visa-branded card collateralised by your own USDC held in a non-custodial wallet ("Collateral"). The Card is not a credit card and not a deposit account: every authorised transac...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
not published
tangem.com checked 29 Oct 2026
Source and check
Source
tangem.com
Wording at the source
Tangem Pay supports a virtual Visa card. The research supports top-up of USDC before spending, but it does not prove a prepaid-card classification.Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? |
| Card types |
virtual, physical
bitypay.io checked 29 Oct 2026
Source and check
Source
bitypay.io
Wording at the source
Freeze it from the app immediately. If you have a virtual card you can replace the number with one click. For physical cards, contact support and we issue a replacement.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
virtual, physical
tangem.com checked 29 Oct 2026
Source and check
Source
tangem.com
Wording at the source
| Card types available | Virtual, Plastic | Virtual, Plastic | Virtual, Plastic, Metal (max 2) |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
virtual, physical, metal
tangem.com checked 29 Oct 2026
Source and check
Source
tangem.com
Wording at the source
| Card types available | Virtual, Plastic | Virtual, Plastic | Virtual, Plastic, Metal (max 2) |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Card network |
Visa
bitypay.io checked 29 Oct 2026
Source and check
Source
bitypay.io
Wording at the source
A Visa Infinite card backed by the USDC you hold in your own wallet. Spend it anywhere Visa is accepted — and never hand over your keys.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
Visa
tangem.com checked 29 Oct 2026
Source and check
Source
tangem.com
Wording at the source
The Tangem Pay Visa card is issued by Rain, a Visa Principal Member.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Custody |
smart wallet
bitypay.io checked 29 Oct 2026
Source and check
Source
bitypay.io
Wording at the source
The collateral behind your card lives in a smart-contract wallet that only you control. Bitypay never holds your funds or your recovery phrase.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
smart wallet
tangem.com checked 29 Oct 2026
Source and check
Source
tangem.com
Wording at the source
Your card balance is held in a smart contract account that you control. You can withdraw any available USDC or USDT to your Tangem Wallet at any time by tapping Withdraw in the app.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Funding model |
stablecoin balance
bitypay.io checked 29 Oct 2026
Source and check
Source
bitypay.io
Wording at the source
You hold USDC as collateral on Base or Arbitrum, and that collateral backs your card. When you pay, the purchase is processed over the Visa network and your collateral supports the card. No manual con...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
stablecoin balance
tangem.com checked 29 Oct 2026
Source and check
Source
tangem.com
Wording at the source
When you make a purchase with your Tangem Pay card, the equivalent amount of USDC or USDT is deducted from one of your Tangem Pay smart contract accounts on the corresponding network — which is separa...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Card currencies |
USD
bitypay.io checked 29 Oct 2026
Source and check
Source
bitypay.io
Wording at the source
Transparent and all in USD. No fee on USDC top-ups — the fees listed below are disclosed up front. Other fees may apply; see the full schedule.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
USD
tangem.com checked 29 Oct 2026
Source and check
Source
tangem.com
Wording at the source
The card currency is USD, so purchases in another currency may be subject to Visa foreign exchange rates and cross-border fees.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Usage (differs) |
personal, business
bitypay.io checked 29 Oct 2026
Source and check
Source
bitypay.io
Wording at the source
A dedicated business workspace, isolated from personal accounts, with two-factor login and encrypted card details.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
|
| Issuer / BIN sponsor (differs) |
not published
bitypay.io checked 29 Oct 2026
Source and check
Source
bitypay.io
Wording at the source
This Cardholder Agreement ("Agreement") governs your use of the BitypayVisa card ("Card") issued by Codego Group's licensed card-issuing partner ("Issuer") and serviced through the Bitypay platform.Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? |
Rain
tangem.com checked 29 Oct 2026
Source and check
Source
tangem.com
Wording at the source
The Tangem Pay Visa card is issued by Rain, a Visa Principal Member.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Limits depend on (differs) |
KYC level, plan, user setting
bitypay.io checked 30 Oct 2026
Source and check
Source
bitypay.io
Wording at the source
Can I use the card at ATMs? Yes, anywhere Visa is accepted. ATM withdrawal fees and limits are in the in-app fee schedule and depend on the issuing partner and your card tier. Foreign currency spend...Checked Verified Check overdue · last 30 Oct 2026 Value wrong? History What does [s] mean? |
KYC level, plan
tangem.com checked 29 Oct 2026
Source and check
Source
tangem.com
Wording at the source
1 $1history. These limits may differ for each ACHon your risk profile, verification level, and account Transaction and withdrawal limits are set based $0 Card holder and may be changed from timeInco...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Cards per account (differs) | unknown |
3
tangem.com checked 29 Oct 2026
Source and check
Source
tangem.com
Wording at the source
Maximum cards per account 3 5Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
5
tangem.com checked 29 Oct 2026
Source and check
Source
tangem.com
Wording at the source
Maximum cards per account 3 5Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
10
tangem.com checked 29 Oct 2026
Source and check
Source
tangem.com
Wording at the source
Prestige ### $83/month Coming soon. Charged as a single $999 payment for a yearly subscription. Subject to eligibility. - 10 cards per userChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Availability | ||
| Available in | unknown | |
| Crypto | ||
| Supported assets (differs) |
USDC
bitypay.io checked 29 Oct 2026
Source and check
Source
bitypay.io
Wording at the source
Today we only accept USDC. Other stablecoins (USDT, EURC) may be added later based on demand.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
USDT, USDC
tangem.com checked 29 Oct 2026
Source and check
Source
tangem.com
Wording at the source
Or send USDC or USDT on Polygon, Base, BNB Smart Chain, or Arbitrum to your Tangem Pay deposit address.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Number of supported assets | unknown | |
| Top-up networks (differs) |
Ethereum, Arbitrum, Base
bitypay.io checked 29 Oct 2026
Two sources, two values
ShownEthereum, Arbitrum, Base
bitypay.iochecked 29 Oct 2026
You fund the Card by sending USDC from any wallet to your unique deposit address on a supported EVM network (Ethereum, Base or Arbitrum).DifferingArbitrum, Base bitypay.iofetched 29 Oct 2026 Live today: Base and Arbitrum One.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? |
BNB Smart Chain, Polygon, Arbitrum, Base
tangem.com checked 29 Oct 2026
Source and check
Source
tangem.com
Wording at the source
Or send USDC or USDT on Polygon, Base, BNB Smart Chain, or Arbitrum to your Tangem Pay deposit address.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Fiat top-up (differs) |
No
bitypay.io checked 29 Oct 2026
Source and check
Source
bitypay.io
Wording at the source
Today we only accept USDC. Other stablecoins (USDT, EURC) may be added later based on demand.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
Yes
tangem.com checked 29 Oct 2026
Source and check
Source
tangem.com
Wording at the source
Fund your Tangem Pay card with stablecoins or fiat directly from your bank account.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Payments | ||
| Mobile wallets |
Apple Pay
Google Pay
bitypay.io checked 29 Oct 2026
Source and check
Source
bitypay.io
Wording at the source
Accepted wherever Visa is accepted — over 150 million merchant locations worldwide, online and in-store, plus ATM withdrawals. Apple Pay and Google Pay supported.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
Apple Pay
Google Pay
tangem.com checked 29 Oct 2026
Source and check
Source
tangem.com
Wording at the source
Load USDC on Polygon, add your card to Apple Pay or Google Pay, then use it at Visa-accepting merchants.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| ATM withdrawals |
Yes
bitypay.io checked 29 Oct 2026
Source and check
Source
bitypay.io
Wording at the source
The Card may be used anywhere Visa is accepted, online or in-store, including ATM cash withdrawals where supported.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
Yes
tangem.com checked 29 Oct 2026
Source and check
Source
tangem.com
Wording at the source
Yes. You can withdraw cash at contactless ATMs with your smartphone and at any standard ATM with your physical Tangem Pay card.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Contactless (differs) | unknown |
Yes
tangem.com checked 29 Oct 2026
Source and check
Source
tangem.com
Wording at the source
It works with Apple Pay and Google Pay for contactless payments.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Fees | ||
| Virtual card issuance (differs) |
0.50 USD
bitypay.io checked 29 Oct 2026
Source and check
Source
bitypay.io
Wording at the source
Virtual card setup (per card issued) per transaction $0.50Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
5.00 USD
tangem.com checked 29 Oct 2026
Source and check
Source
tangem.com
Wording at the source
Additional card issuing fee $5Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
0.00 USD
tangem.com checked 29 Oct 2026
Source and check
Source
tangem.com
Wording at the source
| Card replacement / additional card fee | Virtual: $5; Plastic: delivery fee only | Virtual: $5; Plastic: delivery fee only | $0 |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Physical card issuance (differs) |
19.90 USD
bitypay.io checked 29 Oct 2026
Source and check
Source
bitypay.io
Wording at the source
Physical card — issuance & shipping (charged to cardholder) $19.90Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
|
| Free cards | unknown | |
| Shipping (differs) |
not published
bitypay.io checked 29 Oct 2026
Source and check
Source
bitypay.io
Wording at the source
Physical card — issuance & shipping (charged to cardholder) $19.90Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? |
|
| Monthly fee (differs) |
5.00 USD
bitypay.io checked 29 Oct 2026
Source and check
Source
bitypay.io
Wording at the source
Account residency — Visa Infinite per card / month $5.00Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
0.00 USD
tangem.com checked 29 Oct 2026
Source and check
Source
tangem.com
Wording at the source
Plan fee $0 $29.99 / monthChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
29.99 USD
tangem.com checked 29 Oct 2026
Source and check
Source
tangem.com
Wording at the source
Plan fee $0 $29.99 / monthChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Annual fee (differs) |
0.00 USD
bitypay.io checked 30 Oct 2026
Source and check
Source
bitypay.io
Wording at the source
Zero deposit fees — you only pay the network gas to move USDC (cents on L2). No annual fee on the Standard tier. Other fees may apply and are disclosed in the fee schedule.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
|
| Top-up fee | unknown | |
| Crypto deposit fee (differs) |
free
bitypay.io checked 29 Oct 2026
Source and check
Source
bitypay.io
Wording at the source
Are there deposit fees? Zero from Bitypay. You pay only your wallet's network gas (≈ $0.001 on Base / Arbitrum).Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
|
| Crypto conversion fee | unknown | |
| Foreign currency fee (differs) |
1.99 %
bitypay.io checked 29 Oct 2026
Source and check
Source
bitypay.io
Wording at the source
FX fee — non-USD transactions (end-user) % of amount 1.99%Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
1.5 % above the network rate
tangem.com checked 29 Oct 2026
Source and check
Source
tangem.com
Wording at the source
Foreign Exchange fee (for non-USD transactions) Visa Exchange Rate5 + 1.5%Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
1.5 %
tangem.com checked 29 Oct 2026
Source and check
Source
tangem.com
Wording at the source
| FX fee | 1.5% | 1.5% | 1.5% |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| FX free allowance | unknown | |
| Minimum FX fee | unknown | |
| ATM fee (differs) | unknown |
4 %
tangem.com checked 29 Oct 2026
Source and check
Source
tangem.com
Wording at the source
ATM withdrawal fee 4% 2%Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
2 %
tangem.com checked 29 Oct 2026
Source and check
Source
tangem.com
Wording at the source
ATM withdrawal fee 4% 2%Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
1 %
tangem.com checked 29 Oct 2026
Source and check
Source
tangem.com
Wording at the source
| ATM fee | 4% | 2% | 1% |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Transaction fee (differs) |
free
bitypay.io checked 29 Oct 2026
Source and check
Source
bitypay.io
Wording at the source
Prices are set by Bitypay. Card spend at merchants carries no extra Bitypay fee beyond the FX markup shown above where applicable. ATM operator and network conditions may apply. All amounts in USD.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
|
| Cross-border fee (differs) |
0 %
bitypay.io checked 30 Oct 2026
Source and check
Source
bitypay.io
Wording at the source
Prices are set by Bitypay. Card spend at merchants carries no extra Bitypay fee beyond the FX markup shown above where applicable. ATM operator and network conditions may apply. All amounts in USD.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
|
| Withdrawal fee | unknown | |
| Activation fee | unknown | |
| Minimum top-up | unknown | |
| Declined payment fee | unknown | |
| Refund fee | unknown | |
| Inactivity fee | unknown | |
| Minimum monthly spend | unknown |
4,500.00 USD
tangem.com checked 29 Oct 2026
Source and check
Source
tangem.com
Wording at the source
Plus ### $29.99/month Free with $4,500 monthly spending or $65,000 in Yield Mode. Subject to eligibility.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Inactivity rule | unknown | |
| Card replacement | unknown | |
| Rewards | ||
| Cashback (differs) | unknown | |
| Referral bonus (invited friend) | unknown | |
| Referral bonus (you) | unknown | |
| Welcome bonus | unknown | |
Highlighted rows differ.
Values of the chosen variant; without a choice the entry variant (first in the provider's order).
Early warning
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One mail when something changes at Bitypay Visa Infinite Card · Tangem Pay Card: promotions and bonuses as well as warnings and incidents.