Comparison
Cardtonic Virtual USD Card vs. SafePal Mastercard: fees, limits & KYC
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Illustration
Drawn by us from the provider logo and card colours, not the official card picture.
Drawn on
Cardtonic Virtual USD CardCardtonic
-
Illustration
Drawn by us from the provider logo and card colours, not the official card picture.
Drawn on
SafePal MastercardSafePal
In short
- SafePal Mastercard has the best score (63.14).
| Attribute |
Cardtonic Virtual USD CardCardtonic
|
SafePal MastercardSafePal
|
|---|---|---|
| Overview | Requires KYC Private Virtual | Requires KYC Private Virtual |
| Score | average with variant Platinum: 53.49 | average |
| CostsWeight 25 % | 84 | 92 |
| KYC and privacyWeight 20 % | 35 | 35 |
| FeaturesWeight 15 % | 67 | 68 |
| AvailabilityWeight 10 % | 0 | 42 |
| RewardsWeight 10 % | not scored | not scored |
| TrustWeight 10 % | 68 | 88 |
| CommunityWeight 10 % | not scored | not scored |
| KYC | KYC: ID document, ID + proof of address for higher volumes | KYC: ID document |
| Limits (entry level) | Basic KYC
|
|
| Basics | ||
| Card formsame for all |
debit
help.cardtonic.com checked 30 Oct 2026
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Source
help.cardtonic.com
Wording at the source
Select "Debit Card", then "Enter card details manually".Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
debit
safepal.com checked 29 Oct 2026
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Source
safepal.com
Wording at the source
Link your account with virtual Master debit cards which are accepted at 40M+ merchants, including all Master debit card supported platformsChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Card typessame for all |
virtual
help.cardtonic.com checked 30 Oct 2026
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Source
help.cardtonic.com
Wording at the source
The Cardtonic Virtual Dollar Card is a digital card for making online payments, subscriptions, and international purchases in USD on any platform that accepts Visa or Mastercard.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
virtual
safepal.com checked 29 Oct 2026
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Source
safepal.com
Wording at the source
Link your account with virtual Master debit cards which are accepted at 40M+ merchants, including all Master debit card supported platformsChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Card networksame for all |
Mastercard
safepal.com checked 29 Oct 2026
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Source
safepal.com
Wording at the source
Link your account with virtual Master debit cards which are accepted at 40M+ merchants, including all Master debit card supported platformsChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
|
| Custodysame for all |
custodial
cardtonic.com checked 30 Oct 2026
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Source
cardtonic.com
Wording at the source
No. The USD Wallet is a digital wallet within Cardtonic for holding and using your USD balance. It is not a traditional USD bank account.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
custodial
safepal.com checked 28 Oct 2026
Two sources, two values
Showncustodial
safepal.comchecked 28 Oct 2026
If the User is using any Centralized Digital Asset Exchange, Banking Accout and Card Services, Fiat Currency and Digital Asset on-ramp and off-ramp service or any centralized service provided by Third...Differingvalue not recorded safepalsupport.zendesk.comfetched 28 Oct 2026 Our verifier confirmed the shown value; the differing source is being checked. Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Funding modelsame for all |
stablecoin balance
help.cardtonic.com checked 30 Oct 2026
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Source
help.cardtonic.com
Wording at the source
On Cardtonic, you can use stablecoins like USDT and USDC to fund your USD Wallet, giving you a simple way to bring dollar value into Cardtonic and use it across the app.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
stablecoin balance
safepalsupport.zendesk.com checked 29 Oct 2026
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Source
safepalsupport.zendesk.com
Wording at the source
Having EUR24, USD24, and CHF24 in your wallet signifies that you possess the equivalent amount of legal currency in your Fiat24 IBAN account. When you transfer funds from your Fiat24 IBAN account, the...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Card currencies (differs)same for all |
USD
help.cardtonic.com checked 30 Oct 2026
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Source
help.cardtonic.com
Wording at the source
All cards are denominated in USD only.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
CHF, CNY, EUR, USD
safepalsupport.zendesk.com checked 28 Oct 2026
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Source
safepalsupport.zendesk.com
Wording at the source
Enjoy zero FX fees when spending in EUR, CHF, USD, and CNY, along with no deposit fees for seamless funding—making everyday transactions cost-effective and efficient.Checked Verified Check overdue · last 28 Oct 2026 Value wrong? History What does [s] mean? |
| Usagesame for all |
personal
cardtonic.com checked 30 Oct 2026
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Source
cardtonic.com
Wording at the source
Not be less than 18 years of age as an individual and must possess the authority to accept the terms of use on behalf of or if it's a company.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
personal
safepal.com checked 29 Oct 2026
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Source
safepal.com
Wording at the source
If you are a citizen in any of the supported regions and reside in supported areas, you will be able to open an account.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Issuer / BIN sponsorsame for all |
Fiat24 (SR Saphirstein AG)
safepal.com checked 28 Oct 2026
Two sources, two values
ShownFiat24 (SR Saphirstein AG)
safepal.comchecked 28 Oct 2026
3.6 Fiat24 Banking Services. SafePal connects Users with banking and card services provided by Fiat24, a financial institution regulated in Switzerland and operated by SR Saphirstein AG. All banking,...Differingvalue not recorded safepalsupport.zendesk.comfetched 28 Oct 2026 Our verifier confirmed the shown value; the differing source is being checked. Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
|
| Limits depend on (differs)same for all |
KYC level
help.cardtonic.com checked 30 Oct 2026
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Source
help.cardtonic.com
Wording at the source
KYC is required before you can top up and to increase your daily withdrawal limit.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
user setting
safepal.com checked 29 Oct 2026
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Source
safepal.com
Wording at the source
Customize your spending limit for advanced security2Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Cards per accountsame for all | unknown | |
| Unknown for all | Cards per account | |
| Availability | ||
| Available in (differs)same for all |
Available in: Ghana, Nigeria
help.cardtonic.com checked 30 Oct 2026
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Source
help.cardtonic.com
Wording at the source
The Virtual Dollar Card is now available to both Nigerian and Ghanaian users.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
Available in 42 countries and regions
safepal.com checked 28 Oct 2026
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Source
safepal.com
Wording at the source
$100,000 monthly transaction limit with Mastercard support Aland Islands(ALA) Australia(AUS) Austria(AUT) Belgium(BEL) Canada(CAN) Cyprus(CYP) Czech Republic(CZE) Denmark(DNK) Estonia(EST) F...Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Crypto | ||
| Supported assets (differs)same for all |
USDT, USDC
help.cardtonic.com checked 30 Oct 2026
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Source
help.cardtonic.com
Wording at the source
| USDT | Tron (TRC20), Ethereum (ERC20), Solana, Polygon, BNB Smart Chain, TON |Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
USDC
safepalsupport.zendesk.com checked 29 Oct 2026
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Source
safepalsupport.zendesk.com
Wording at the source
Kindly note that the supported default deposit $USDC token in the SafePal and Fiat24 gateway is native $USDC token issued on the Arbitrum network.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Number of supported assetssame for all | unknown | |
| Top-up networks (differs)same for all |
Ethereum, Tron, BNB Smart Chain, Solana, Polygon, Arbitrum, Base, TON
help.cardtonic.com checked 30 Oct 2026
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Source
help.cardtonic.com
Wording at the source
| USDT | Tron (TRC20), Ethereum (ERC20), Solana, Polygon, BNB Smart Chain, TON |Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
Arbitrum
safepalsupport.zendesk.com checked 29 Oct 2026
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Source
safepalsupport.zendesk.com
Wording at the source
Kindly note that the supported default deposit $USDC token in the SafePal and Fiat24 gateway is native $USDC token issued on the Arbitrum network.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Fiat top-upsame for all |
Yes
help.cardtonic.com checked 30 Oct 2026
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Source
help.cardtonic.com
Wording at the source
3. Select your preferred currency: Naira, USD, GHS, KES, or ZAR.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
Yes
safepalsupport.zendesk.com checked 28 Oct 2026
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Source
safepalsupport.zendesk.com
Wording at the source
Step 2: Select IBAN, then select the fiat account you want to deposit.Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Unknown for all | Number of supported assets | |
| Payments | ||
| Mobile wallets (differs)same for all |
Apple Pay
Google Pay
help.cardtonic.com checked 30 Oct 2026
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Source
help.cardtonic.com
Wording at the source
Your Cardtonic Platinum Card can be added to Apple Pay or Google Pay for quick, contactless payments from your phone.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
Apple Pay
Google Pay
Samsung Pay
safepal.com checked 29 Oct 2026
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Source
safepal.com
Wording at the source
Spend crypto via popular and established payment platforms like Paypal, Apple Pay, Google Pay, Samsung Pay, and moreChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| ATM withdrawals (differs)same for all |
No
help.cardtonic.com checked 30 Oct 2026
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Source
help.cardtonic.com
Wording at the source
The Cardtonic Virtual Dollar Card is a digital card for making online payments, subscriptions, and international purchases in USD on any platform that accepts Visa or Mastercard.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
Yes
safepalsupport.zendesk.com checked 28 Oct 2026
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Source
safepalsupport.zendesk.com
Wording at the source
ATM Withdrawal: Switch it off when you don't have contactless withdrawal requirementsChecked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Contactlesssame for all |
Yes
help.cardtonic.com checked 30 Oct 2026
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Source
help.cardtonic.com
Wording at the source
Your Cardtonic Platinum Card can be added to Apple Pay or Google Pay for quick, contactless payments from your phone.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
Yes
safepal.com checked 29 Oct 2026
Source and check
Source
safepal.com
Wording at the source
For Mastercards, the limit for contactless payments is 1,600 EUR per day and 5,000 EUR per day for other payment methods. The monthly consumption limit is the same as the transaction limit.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Fees | ||
| Virtual card issuancesame for all |
1.50 USD
help.cardtonic.com checked 30 Oct 2026
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Source
help.cardtonic.com
Wording at the source
| Card creation | $1.50 (Regular) / $5.00 (Platinum) |Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean?
5.00 USD
help.cardtonic.com checked 30 Oct 2026
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Source
help.cardtonic.com
Wording at the source
| Card creation | $1.50 (Regular) / $5.00 (Platinum) |Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
unknown |
| Physical card issuancesame for all |
not applicable
cardtonic.com checked 30 Oct 2026
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Source
cardtonic.com
Wording at the source
Enjoy a simpler way to pay globally, without carrying a physical card or opening a domiciliary account.Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
not applicable
safepal.com checked 28 Oct 2026
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Source
safepal.com
Wording at the source
Link your account with virtual Master debit cards which are accepted at 40M+ merchants, including all Master debit card supported platformsChecked Verified Check overdue · last 28 Oct 2026 Add this value? Unchanged since 28 Oct 2026 What does [s] mean? |
| Free cardssame for all | unknown | |
| Shippingsame for all |
not applicable
safepal.com checked 29 Oct 2026
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Source
safepal.com
Wording at the source
Link your account with virtual Master debit cards which are accepted at 40M+ merchants, including all Master debit card supported platformsChecked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 28 Oct 2026 What does [s] mean? |
|
| Monthly feesame for all |
0.00 USD
cardtonic.com checked 30 Oct 2026
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Source
cardtonic.com
Wording at the source
A one-time $1.5 issuance fee with no maintenance feeChecked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
0.00 USD
safepalsupport.zendesk.com checked 29 Oct 2026
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Source
safepalsupport.zendesk.com
Wording at the source
There are no account opening fees, management fees, or any other additional charges.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Annual feesame for all |
0.00 USD
safepalsupport.zendesk.com checked 29 Oct 2026
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Source
safepalsupport.zendesk.com
Wording at the source
There are no account opening fees, management fees, or any other additional charges.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
|
| Top-up fee (differs)same for all |
2 %
help.cardtonic.com checked 30 Oct 2026
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Source
help.cardtonic.com
Wording at the source
| Funding | 2% per transaction |Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
free
safepalsupport.zendesk.com checked 29 Oct 2026
Two sources, two values
Shownfree
safepalsupport.zendesk.comchecked 29 Oct 2026
The standard deposit/top-up fee is set at 0% .Differing1 % safepalsupport.zendesk.comfetched 29 Oct 2026 The standard deposit fee is 1%. Users can enjoy better fees in the form of rebates with higher account tiers.Our verifier confirmed the shown value; the differing source is being checked. Check overdue · last 29 Oct 2026 Value wrong? History What does [s] mean? |
| Crypto deposit fee (differs)same for all |
0.5 %
help.cardtonic.com checked 30 Oct 2026
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Source
help.cardtonic.com
Wording at the source
Please note: A stablecoin deposit fee of 0.5% applies on every deposit.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
free
safepalsupport.zendesk.com checked 29 Oct 2026
Two sources, two values
Shownfree
safepalsupport.zendesk.comchecked 29 Oct 2026
The standard deposit/top-up fee is set at 0% .Differing1 % safepalsupport.zendesk.comfetched 29 Oct 2026 The standard deposit fee is 1%. Users can enjoy better fees in the form of rebates with higher account tiers.Our verifier confirmed the shown value; the differing source is being checked. Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Crypto conversion feesame for all | unknown | |
| Foreign currency feesame for all |
1 %
safepalsupport.zendesk.com checked 29 Oct 2026
Two sources, two values
Shown1 %
safepalsupport.zendesk.comchecked 29 Oct 2026
Mastercard transactions settled in non-USD currencies will incur a 1% currency exchange fee. A processing fee of 1 USD/1 EUR/1 CHF/7 CNH will be charged per refund, depending on the payment currency.Differingvalue not recorded safepalsupport.zendesk.comfetched 28 Oct 2026 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? |
|
| FX free allowancesame for all | unknown | |
| Minimum FX feesame for all | unknown | |
| ATM feesame for all |
not applicable
help.cardtonic.com checked 30 Oct 2026
Source and check
Source
help.cardtonic.com
Wording at the source
The Cardtonic Virtual Dollar Card is a digital card for making online payments, subscriptions, and international purchases in USD on any platform that accepts Visa or Mastercard.Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
unknown |
| Transaction feesame for all | unknown | |
| Cross-border feesame for all | unknown | |
| Withdrawal feesame for all |
1.00 USD
help.cardtonic.com checked 30 Oct 2026
Source and check
Source
help.cardtonic.com
Wording at the source
Withdrawal fees: The minimum withdrawal from your Virtual Dollar Card is $2. A $1 fee applies per withdrawal.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
unknown |
| Activation feesame for all | unknown | |
| Minimum top-upsame for all |
5.00 USD
help.cardtonic.com checked 30 Oct 2026
Source and check
Source
help.cardtonic.com
Wording at the source
Loading limit: Minimum $5. No maximum.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
unknown |
| Declined payment feesame for all |
0.50 USD
help.cardtonic.com checked 30 Oct 2026
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Source
help.cardtonic.com
Wording at the source
| Declined transaction | $0.50 |Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
unknown |
| Refund feesame for all | unknown | |
| Inactivity feesame for all | unknown | |
| Minimum monthly spendsame for all | unknown | |
| Inactivity rulesame for all |
not published
help.cardtonic.com checked 30 Oct 2026
Source and check
Source
help.cardtonic.com
Wording at the source
A card is also terminated automatically if it has more than 20 declined transactions in a month.Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
unknown |
| Card replacementsame for all | unknown | |
| Unknown for all | Free cards · Crypto conversion fee · FX free allowance · Minimum FX fee · Transaction fee · Cross-border fee · Activation fee · Refund fee · Inactivity fee · Minimum monthly spend · Card replacement | |
| Rewards | ||
| Cashbacksame for all | unknown | |
| Referral bonus (invited friend)same for all |
not published
help.cardtonic.com checked 30 Oct 2026
Source and check
Source
help.cardtonic.com
Wording at the source
Share your unique referral code with friends. When they register and complete a transaction, you earn 10% of their reward points on every transaction they make, for life. There is no limit to how much...Checked Verified Add this value? No earlier versions What does [s] mean? |
unknown |
| Referral bonus (you) (differs)same for all |
10% of the invited user's reward points on every transaction they make, for life; no cap on earnings; points redeemable for cash
help.cardtonic.com checked 30 Oct 2026
Source and check
Source
help.cardtonic.com
Wording at the source
Share your unique referral code with friends. When they register and complete a transaction, you earn 10% of their reward points on every transaction they make, for life. There is no limit to how much...Checked Verified Value wrong? No earlier versions What does [s] mean? |
up to 40 % of fees
safepal.com checked 30 Oct 2026
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Source
safepal.com
Wording at the source
Enjoy up to 40% referral commissions indefinitely on all top-up fees from referred accounts9Checked Verified Value wrong? History What does [s] mean? |
| Welcome bonussame for all | unknown | |
| Unknown for all | Cashback · Welcome bonus | |
Values of the chosen variant; without a choice the entry variant (first in the provider's order).
Early warning
Watch both cards
One mail when something changes at Cardtonic Virtual USD Card · SafePal Mastercard: promotions and bonuses as well as warnings and incidents.