Comparison
Halocard vs. Onboard Card: fees, limits & KYC
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halocard.co29 Oct 2026
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Source
halocard.co
Retrieved on
Logos and card pictures are trademarks of their owners and are shown for identification only.
HalocardHalocard
-
Illustration
Drawn by us from the provider logo and card colours, not the official card picture.
Drawn on
Onboard CardOnboard
In short
- Halocard has the best score (65.32).
| Attribute |
HalocardHalocard
|
Onboard CardOnboard
|
|---|---|---|
| Overview | Requires KYC Private & business Virtual Physical | Requires KYC Private Virtual |
| Score | good | average |
| CostsWeight 25 % | 70 | 83 |
| KYC and privacyWeight 20 % | 35 | 35 |
| FeaturesWeight 15 % | 93 | 79 |
| AvailabilityWeight 10 % | 97 | 75 |
| RewardsWeight 10 % | not scored | not scored |
| TrustWeight 10 % | 72 | 49 |
| CommunityWeight 10 % | not scored | not scored |
| KYC | KYC: ID document | KYC: ID document |
| Limits (entry level) |
|
Initial identity verification
|
| Basics | ||
| Card form (differs)same for all |
credit
halocard.co checked 29 Oct 2026
Source and check
Source
halocard.co
Wording at the source
Yes. Halocard issues Visa credit cards rather than debit cards, for higher acceptance, and doesn't require linking your bank account through Plaid.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
prepaid
help.onboard.xyz checked 29 Oct 2026
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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)same for all |
virtual, physical
halocard.co checked 28 Oct 2026
Source and check
Source
halocard.co
Wording at the source
| Plans | Virtual Cards | Extra Cards (Annual Plans) | Single-use Cards (Annual Plans) | Physical Cards (Annual Plans) | Price | Initial Deposit | |---|---|---|---|---|---|---| | Essential+ | 3 total...Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
virtual
help.onboard.xyz checked 29 Oct 2026
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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 networksame for all |
Visa
halocard.co checked 29 Oct 2026
Source and check
Source
halocard.co
Wording at the source
Every Halocard starts as a virtual card: a full Visa number, expiry and CVC, issued in seconds and ready to use online straight away.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 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? |
| Custodysame for all |
custodial
halocard.co checked 29 Oct 2026
Source and check
Source
halocard.co
Wording at the source
You fund the account, not the card. Every Halocard draws on one balance, so there is no moving money between cards to cover a charge.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
unknown |
| Funding modelsame for all |
fiat balance
halocard.co checked 29 Oct 2026
Source and check
Source
halocard.co
Wording at the source
Fund your balance with stablecoins (USDC, USDT) or with BTC, ETH and SOL, converted to your USD balance on arrival.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 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 currenciessame for all |
USD
halocard.co checked 29 Oct 2026
Source and check
Source
halocard.co
Wording at the source
Halocards are held in US Dollars. Pay in another currency and Visa converts at its rate on the day, with Halocard's conversion fee on top.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 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 (differs)same for all |
personal, business
halocard.co checked 28 Oct 2026
Source and check
Source
halocard.co
Wording at the source
Our Services include web-based and mobile applications for card and account management, tools for creating consumer and commercial virtual and physical cards, and virtual account services provided thr...Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 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)same for all |
Third National
halocard.co checked 29 Oct 2026
Source and check
Source
halocard.co
Wording at the source
Halocard is a financial technology company, not a bank. Card issuance is provided by Third National, a Non-Bank Principal Member of the Visa Network.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
not published
onboard.xyz checked 30 Oct 2026
Source and check
Source
onboard.xyz
Wording at the source
USD accounts, virtual cards, and associated services accessed through the Onboard platform are facilitated by licensed third-party financial institutions. Nestcoin Holding Limited coordinates user acc...Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
| Limits depend onsame for all |
user setting
halocard.co checked 29 Oct 2026
Source and check
Source
halocard.co
Wording at the source
Give a card a daily, weekly or monthly limit and it declines anything above it.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
unknown |
| Cards per accountsame for all | unknown | |
| Unknown for all | Cards per account | |
| Availability | ||
| Available insame for all |
Not available in 41 countries and regions
help.onboard.xyz checked 30 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 30 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
|
| Crypto | ||
| Supported assets (differs)same for all |
BTC, ETH, USDT, USDC, SOL
halocard.co checked 28 Oct 2026
Source and check
Source
halocard.co
Wording at the source
| Stablecoins: USDT, USDC | Free | Instant | Transfer to a unique address on Arbitrum, Avalanche, Base, Optimism, Polygon, BSC or the Solana network | | Major Tokens: SOL, ETH, BTC | 1% | 1 - 60 mins...Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
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 assetssame for all | unknown | |
| Top-up networks (differs)same for all |
BNB Smart Chain, Solana, Polygon, Arbitrum, Base, Optimism, Avalanche
halocard.co checked 28 Oct 2026
Source and check
Source
halocard.co
Wording at the source
| Stablecoins: USDT, USDC | Free | Instant | Transfer to a unique address on Arbitrum, Avalanche, Base, Optimism, Polygon, BSC or the Solana network |Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
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-upsame for all |
Yes
halocard.co checked 28 Oct 2026
Source and check
Source
halocard.co
Wording at the source
| BANK TRANSFER | | | | |---|---|---|---| | ACH Transfer: USD | Free | 0 - 3 days | Pay via standard or same-day ACH directly to your Halocard-provided bank account. |Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
Yes
help.onboard.xyz checked 30 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 30 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Unknown for all | Number of supported assets | |
| Payments | ||
| Mobile walletssame for all |
Apple Pay
Google Pay
halocard.co checked 29 Oct 2026
Source and check
Source
halocard.co
Wording at the source
Add a Halocard to Apple Wallet or Google Wallet and tap to pay in person, including at ATMs that accept phone wallets.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
Apple Pay
Google Pay
help.onboard.xyz checked 30 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 30 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| ATM withdrawals (differs)same for all |
Yes
halocard.co checked 29 Oct 2026
Source and check
Source
halocard.co
Wording at the source
Add a Halocard to Apple Wallet or Google Wallet and tap to pay in person, including at ATMs that accept phone wallets.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 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? |
| Contactlesssame for all |
Yes
halocard.co checked 29 Oct 2026
Source and check
Source
halocard.co
Wording at the source
Add a Halocard to Apple Wallet or Google Wallet and tap to pay in person, including at ATMs that accept phone wallets.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
Yes
help.onboard.xyz checked 30 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 30 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Fees | ||
| Virtual card issuancesame for all |
2.00 USD
help.onboard.xyz checked 30 Oct 2026
Source and check
Source
help.onboard.xyz
Wording at the source
Your first card is free. Additional cards cost $2. You can have up to 3 Flex cards (including any cancelled ones).Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
|
| Physical card issuancesame for all |
not applicable
help.onboard.xyz checked 30 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 30 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? |
|
| Free cardssame for all | unknown | |
| Shippingsame for all |
not applicable
help.onboard.xyz checked 30 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 30 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? |
|
| Monthly feesame for all |
15.00 USD/month or 180.00 USD/year
halocard.co checked 30 Oct 2026
Source and check
Source
halocard.co
Wording at the source
$15/mo or $180 yearlyChecked Verified Check overdue · last 30 Oct 2026 Add this value? What does [s] mean?
20.00 USD/month or 240.00 USD/year
halocard.co checked 30 Oct 2026
Source and check
Source
halocard.co
Wording at the source
$20/mo or $240 yearlyChecked Verified Check overdue · last 30 Oct 2026 Add this value? What does [s] mean?
75.00 USD/month or 900.00 USD/year
halocard.co checked 30 Oct 2026
Source and check
Source
halocard.co
Wording at the source
$75/mo or $900 yearlyChecked Verified Check overdue · last 30 Oct 2026 Add this value? What does [s] mean? |
unknown |
| Annual feesame for all |
15.00 USD/month or 180.00 USD/year
halocard.co checked 30 Oct 2026
Source and check
Source
halocard.co
Wording at the source
$15/mo or $180 yearlyChecked Verified Check overdue · last 30 Oct 2026 Add this value? What does [s] mean?
20.00 USD/month or 240.00 USD/year
halocard.co checked 30 Oct 2026
Source and check
Source
halocard.co
Wording at the source
$20/mo or $240 yearlyChecked Verified Check overdue · last 30 Oct 2026 Add this value? What does [s] mean?
75.00 USD/month or 900.00 USD/year
halocard.co checked 30 Oct 2026
Source and check
Source
halocard.co
Wording at the source
$75/mo or $900 yearlyChecked Verified Check overdue · last 30 Oct 2026 Add this value? What does [s] mean? |
unknown |
| Top-up feesame for all |
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 feesame for all | unknown | |
| Crypto conversion feesame for all | unknown | |
| Foreign currency feesame for all |
1.5 %
halocard.co checked 29 Oct 2026
Source and check
Source
halocard.co
Wording at the source
Purchases in any currency other than USD carry a 1.5% fee.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
unknown |
| FX free allowancesame for all | unknown | |
| Minimum FX feesame for all | unknown | |
| ATM fee (differs)same for all |
1.5 % + 1.00 USD
halocard.co checked 28 Oct 2026
Source and check
Source
halocard.co
Wording at the source
| ATM Withdrawal | 1.5% + $1.00 | Applicable when withdrawing cash from an ATM, where ATM access is enabled. The ATM operator may also charge a separate fee. There is a limit of 3 ATM withdrawals ever...Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 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
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)same for all |
0 % + 0.00 USD
support.halocard.co checked 30 Oct 2026
Source and check
Source
support.halocard.co
Wording at the source
| Transaction Fee | $0 | When a payment is successfully completed. No fee from Halocard. |Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
free
help.onboard.xyz checked 30 Oct 2026
Source and check
Source
help.onboard.xyz
Wording at the source
| | USD Payments | Non-USD Payments | Cross-Border USD (merchant outside US) | |---|---|---|---| | Flex | Free | $0.30 + 1.5% | $0.30 + 1.5% |Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Cross-border feesame for all |
0 %
support.halocard.co checked 30 Oct 2026
Source and check
Source
support.halocard.co
Wording at the source
| Cross Border Fee | $0 | When a purchase is made in a currency other than USD. No fee from Halocard. |Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
unknown |
| Withdrawal feesame for all |
free
help.onboard.xyz checked 30 Oct 2026
Source and check
Source
help.onboard.xyz
Wording at the source
| Withdrawals from card (cash & stablecoins) | Free |Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
|
| Activation feesame for all | unknown | |
| Minimum top-upsame for all |
1.00 USD
help.onboard.xyz checked 30 Oct 2026
Source and check
Source
help.onboard.xyz
Wording at the source
Funding limits: - Minimum: $1 - Maximum: $5,000 per transactionChecked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
|
| Declined payment feesame for all |
0.00 USD
support.halocard.co checked 30 Oct 2026
Source and check
Source
support.halocard.co
Wording at the source
| Declined Transaction Fee | $0 | When a payment attempt is declined. No fee from Halocard. |Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
0.00 USD
help.onboard.xyz checked 30 Oct 2026
Source and check
Source
help.onboard.xyz
Wording at the source
Decline charges: - Classic Card: $0.32 per declined international transaction, $0.02 per declined domestic transaction - Flex Card: No decline chargesChecked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Refund feesame for all | unknown | |
| Inactivity feesame for all | unknown | |
| Minimum monthly spendsame for all | unknown | |
| Inactivity rulesame for all | unknown | |
| Card replacementsame for all | unknown | |
| Unknown for all | Free cards · Crypto deposit fee · Crypto conversion fee · FX free allowance · Minimum FX fee · Activation fee · Refund fee · Inactivity fee · Minimum monthly spend · Inactivity rule · Card replacement | |
| Rewards | ||
| Cashbacksame for all | unknown | |
| Referral bonus (invited friend)same for all |
5 USD
help.onboard.xyz checked 30 Oct 2026
Source and check
Source
help.onboard.xyz
Wording at the source
Both you and the person you refer earn $5 when the referred user spends $150 on their Flex card within 45 days of signing up. Rewards are paid out in the first week of the following month.Checked Verified Value wrong? History What does [s] mean? |
|
| Referral bonus (you) (differs)same for all |
up to 300 USD
halocard.co checked 30 Oct 2026
Source and check
Source
halocard.co
Wording at the source
For example, a single Essential+ ($15/mo) referral pays $5 after they've been subscribed for 30 days, then $5 every month they stay subscribed, kept active for the full 12 months, that's $60 for Essen...Checked Verified Value wrong? No earlier versions What does [s] mean? |
5 USD
help.onboard.xyz checked 30 Oct 2026
Source and check
Source
help.onboard.xyz
Wording at the source
Both you and the person you refer earn $5 when the referred user spends $150 on their Flex card within 45 days of signing up. Rewards are paid out in the first week of the following month. You can ea...Checked 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 Halocard · Onboard Card: promotions and bonuses as well as warnings and incidents.