Comparison
Nocturne Card vs. RivoCard: fees, limits & KYC
-
Illustration
Drawn by us from the provider logo and card colours, not the official card picture.
Drawn on
Nocturne CardNocturne
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Illustration
Drawn by us from the provider logo and card colours, not the official card picture.
Drawn on
RivoCardRivoCard
In short
- RivoCard has the higher score (77.12).
| Attribute |
Nocturne CardNocturne
No KYC
Private & business
Virtual
|
RivoCardRivoCard
KYC free (limited)
Private & business
Virtual
|
|---|---|---|
| Score | good | good |
| CostsWeight 25 % | 98 | 83 |
| KYC and privacyWeight 20 % | 70 | 83 |
| FeaturesWeight 15 % | 62 | 79 |
| AvailabilityWeight 10 % | not scored | not scored |
| RewardsWeight 10 % | not scored | 100 |
| TrustWeight 10 % | 50 | 80 |
| CommunityWeight 10 % | not scored | not scored |
| KYC | KYC: No ID | KYC: No ID up to 20,000.00 USD per payment, then ID + proof of address |
| Limits (entry level) |
|
Basic KYC
|
| Basics | ||
| Card form |
prepaid
nocturne.cards checked 29 Oct 2026
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Source
nocturne.cards
Wording at the source
Prepaid, so the real answer is: spend what you hold.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
prepaid
rivocard.com checked 29 Oct 2026
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Source
rivocard.com
Wording at the source
Use secure virtual prepaid cards to pay for global subscriptions, software, digital services, and online platforms.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Card types |
virtual
nocturne.cards checked 29 Oct 2026
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Source
nocturne.cards
Wording at the source
A virtual card on real bank rails. Choose your card when you create it.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
virtual
rivocard.com checked 29 Oct 2026
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Source
rivocard.com
Wording at the source
Use secure virtual prepaid cards to pay for global subscriptions, software, digital services, and online platforms.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Card network (differs) |
not published
nocturne.cards checked 29 Oct 2026
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Source
nocturne.cards
Wording at the source
NetworksStruck at issuingChecked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? |
Visa
rivocard.com checked 29 Oct 2026
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Source
rivocard.com
Wording at the source
Rivocard is a globally accepted virtual Visa card designed to make online payments simple, transparent and accessible to everyone.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Custody |
custodial
nocturne.cards checked 29 Oct 2026
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Source
nocturne.cards
Wording at the source
Yes. A deposit converts to dollar balance at a rate quoted before you send, and your cards spend from that balance, so there is no second conversion at checkout.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
custodial
rivocard.com checked 29 Oct 2026
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Source
rivocard.com
Wording at the source
Copy your unique Rivocard deposit address or scan the QR code. Send any supported amount from your crypto wallet, exchange or hardware wallet directly to that address.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Funding model |
fiat balance
nocturne.cards checked 29 Oct 2026
Source and check
Source
nocturne.cards
Wording at the source
Yes. A deposit converts to dollar balance at a rate quoted before you send, and your cards spend from that balance, so there is no second conversion at checkout.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
fiat balance
rivocard.com checked 29 Oct 2026
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Source
rivocard.com
Wording at the source
Send Bitcoin, Ethereum or any supported coin — Rivocard automatically converts it to USD card balance at the live market rate. You do not need to manually exchange crypto before depositing.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Card currencies |
USD
nocturne.cards checked 29 Oct 2026
Source and check
Source
nocturne.cards
Wording at the source
If a purchase is not in dollars, the network converts at its lowest regular rate and our FX markup is 0%.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
USD
rivocard.com checked 29 Oct 2026
Source and check
Source
rivocard.com
Wording at the source
Send Bitcoin, Ethereum or any supported coin — Rivocard automatically converts it to USD card balance at the live market rate.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Usage |
personal, business
nocturne.cards checked 29 Oct 2026
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Source
nocturne.cards
Wording at the source
### Paid media Ad accounts billed clean. Approvals, not reviews. ### Subscriptions Streaming, memberships and tools, each on its own card. ### Travel Rides, stays and flights. Tap or book online....Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
personal, business
rivocard.com checked 29 Oct 2026
Source and check
Source
rivocard.com
Wording at the source
Rivocard is a modern financial card solution that offers smart payment options, competitive fees, and seamless global transactions for individuals and businesses.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
nocturne.cards checked 29 Oct 2026
Source and check
Source
nocturne.cards
Wording at the source
Cards are issued by licensed partner institutions; Nocturne is not a bank.Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? |
unknown |
| Limits depend on (differs) |
account tier
nocturne.cards checked 29 Oct 2026
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Source
nocturne.cards
Wording at the source
Ceilings are generous and the card's own — the exact figures live on each card's page in your dashboard, and they lift as your volume growsChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
unknown |
| Cards per account | unknown | unknown |
| Availability | ||
| Available in | unknown | unknown |
| Crypto | ||
| Supported assets (differs) |
BTC, ETH, USDT, USDC, LTC, XMR
nocturne.cards checked 29 Oct 2026
Source and check
Source
nocturne.cards
Wording at the source
Six assets: BTC, ETH, USDT, USDC, LTC, XMR.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
BTC, ETH, USDT, USDC, SOL, BNB, XRP, DOGE, TRX, LTC, XMR, DASH
rivocard.com checked 29 Oct 2026
Source and check
Source
rivocard.com
Wording at the source
Rivocard currently accepts Bitcoin (BTC), Ethereum (ETH), Tether (USDT on TRC-20 and ERC-20), USD Coin (USDC), Solana (SOL), Litecoin (LTC), Monero (XMR), Dash (DASH), Ripple (XRP), BNB (BEP-20), Doge...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Number of supported assets | unknown | unknown |
| Top-up networks (differs) | unknown |
Bitcoin, Ethereum, Tron, BNB Smart Chain, Solana, Litecoin, XRP Ledger, Dogecoin
rivocard.com checked 29 Oct 2026
Source and check
Source
rivocard.com
Wording at the source
Bitcoin BTC · Bitcoin Network Popular ⧫ Ethereum ETH · ERC-20 Popular ₮ Tether USDT · TRC-20 / ERC-20 Stablecoin ● USD Coin USDC · ERC-20 / SOL Stablecoin ◎ Solana SOL · Solana Networ...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
rivocard.com checked 29 Oct 2026
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Source
rivocard.com
Wording at the source
Add money using crypto, bank transfer, or other supported methods.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
nocturne.cards checked 29 Oct 2026
Source and check
Source
nocturne.cards
Wording at the source
Mobile walletsGoogle Pay on Shadow and Aurora · Apple Pay on AuroraChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
Apple Pay
Google Pay
rivocard.com checked 29 Oct 2026
Source and check
Source
rivocard.com
Wording at the source
Yes. After your card is funded, you can add it to Apple Pay or Google Pay.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| ATM withdrawals |
No
nocturne.cards checked 29 Oct 2026
Source and check
Source
nocturne.cards
Wording at the source
A card is also not a way to move cash. ATM and manual cash withdrawals decline under the closed categories above.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
No
rivocard.com checked 29 Oct 2026
Source and check
Source
rivocard.com
Wording at the source
Rivocard: Virtual cards only. No physical card. No ATM access.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Contactless |
Yes
nocturne.cards checked 29 Oct 2026
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Source
nocturne.cards
Wording at the source
Tap wherever contactless is taken, from checkouts to transitChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
Yes
rivocard.com checked 29 Oct 2026
Source and check
Source
rivocard.com
Wording at the source
Yes. After your card is funded, you can add it to Apple Pay or Google Pay. This enables contactless NFC payments in person at any merchant with a tap-to-pay terminal.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Fees | ||
| Virtual card issuance (differs) | unknown |
0.00 USD
rivocard.com checked 29 Oct 2026
Source and check
Source
rivocard.com
Wording at the source
Card Creation & Issuance FREE Create unlimited virtual cards, no issuance feeChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Physical card issuance |
not applicable
nocturne.cards checked 29 Oct 2026
Source and check
Source
nocturne.cards
Wording at the source
A virtual card on real bank rails. Choose your card when you create it.Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? |
not applicable
rivocard.com checked 29 Oct 2026
Source and check
Source
rivocard.com
Wording at the source
Rivocard: Virtual cards only. No physical card. No ATM access.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 |
not applicable
nocturne.cards checked 29 Oct 2026
Source and check
Source
nocturne.cards
Wording at the source
FormatVirtual, issued in about a minuteChecked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? |
not applicable
rivocard.com checked 29 Oct 2026
Source and check
Source
rivocard.com
Wording at the source
Rivocard: Virtual cards only. No physical card. No ATM access.Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? |
| Monthly fee |
0.00 USD
nocturne.cards checked 29 Oct 2026
Source and check
Source
nocturne.cards
Wording at the source
No, the monthly fee is $0.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
0.00 USD
rivocard.com checked 29 Oct 2026
Source and check
Source
rivocard.com
Wording at the source
$0 No Subscription Fee No monthly plans, no annual fees, no recurring charges.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Annual fee (differs) | unknown |
0.00 USD
rivocard.com checked 29 Oct 2026
Source and check
Source
rivocard.com
Wording at the source
$0 No Subscription Fee No monthly plans, no annual fees, no recurring charges.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Top-up fee (differs) | unknown |
5 %
rivocard.com checked 29 Oct 2026
Source and check
Source
rivocard.com
Wording at the source
Yes — the 5% fee is applied each time you load funds onto your card, regardless of the loading method (crypto or bank transfer).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 |
0 %
nocturne.cards checked 29 Oct 2026
Source and check
Source
nocturne.cards
Wording at the source
Deposits are credited at par minus a flat deposit fee of 0.49% per deposit, the same on every asset.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
0 %
rivocard.com checked 29 Oct 2026
Source and check
Source
rivocard.com
Wording at the source
| Conversion spread | 0% | 1-2% on crypto-to-fiat conversion at point of payment |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Foreign currency fee (differs) |
0 % above the network rate
nocturne.cards checked 29 Oct 2026
Source and check
Source
nocturne.cards
Wording at the source
If a purchase is not in dollars, the network converts at its lowest regular rate and our FX markup is 0%.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
0 %
rivocard.com checked 29 Oct 2026
Source and check
Source
rivocard.com
Wording at the source
Once funds are on your card, spend them anywhere Visa is accepted with zero additional fees — no per-transaction charges, no foreign exchange fees, no monthly subscriptions.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| FX free allowance | unknown | unknown |
| Minimum FX fee | unknown | unknown |
| ATM fee |
not applicable
nocturne.cards checked 29 Oct 2026
Source and check
Source
nocturne.cards
Wording at the source
A card is also not a way to move cash. ATM and manual cash withdrawals decline under the closed categories above.Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? |
not applicable
rivocard.com checked 29 Oct 2026
Source and check
Source
rivocard.com
Wording at the source
Rivocard: Virtual cards only. No physical card. No ATM access.Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? |
| Transaction fee | unknown | unknown |
| Cross-border fee | unknown | unknown |
| Withdrawal fee | unknown | unknown |
| Activation fee | unknown | unknown |
| Minimum top-up | unknown | unknown |
| Declined payment fee | unknown | unknown |
| Refund fee | unknown | unknown |
| Inactivity fee (differs) | unknown |
0.00 USD
rivocard.com checked 29 Oct 2026
Source and check
Source
rivocard.com
Wording at the source
No. There is no inactivity fee. Your balance stays valid and your card stays active regardless of how long you go without using it.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Minimum monthly spend | unknown | unknown |
| Inactivity rule | unknown | unknown |
| Card replacement (differs) | unknown |
free
rivocard.com checked 29 Oct 2026
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Source
rivocard.com
Wording at the source
Free Card Replacement Issue a brand new virtual card instantly at zero cost if compromisedChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Rewards | ||
| Cashback (differs) | unknown |
not applicable
rivocard.com checked 29 Oct 2026
Source and check
Source
rivocard.com
Wording at the source
Rivocard does not currently offer a cashback programme.Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? |
| Referral bonus (invited friend) | unknown | unknown |
| Referral bonus (you) | unknown | unknown |
| Welcome bonus | unknown | unknown |
Highlighted rows differ.
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One mail when something changes at Nocturne Card · RivoCard: promotions and bonuses as well as warnings and incidents.