# Nocturne Card vs. UnCard: fees, limits & KYC

- UnCard has the best score (5.4).

Entry variant: Nocturne Card: Shadow · UnCard: Online Card.

## Basics

|  | Nocturne Card | UnCard |
| --- | --- | --- |
| Card form | prepaid | prepaid |
| Card types | virtual | virtual |
| **Card network** | not published | Visa |
| Custody | custodial | custodial |
| Funding model | fiat balance | fiat balance |
| Card currencies | USD | USD |
| Usage | personal, business | personal, business |
| Issuer / BIN sponsor | not published | not published |
| Limits depend on | account tier | unknown |
| Cards per account | unknown | unknown |

## Availability

|  | Nocturne Card | UnCard |
| --- | --- | --- |
| Available in | not published | unknown |

## Crypto

|  | Nocturne Card | UnCard |
| --- | --- | --- |
| **Supported assets** | BTC, ETH, USDT, USDC, LTC, XMR | BTC, ETH, USDT, SOL, LTC, XMR |
| Number of supported assets | unknown | not published |
| Top-up networks | Bitcoin, Ethereum, Tron, BNB Smart Chain, Solana, Base, Litecoin | unknown |
| Fiat top-up | No | unknown |

## Payments

|  | Nocturne Card | UnCard |
| --- | --- | --- |
| Mobile wallets | Apple Pay, Google Pay | Apple Pay, Google Pay |
| ATM withdrawals | No | unknown |
| Contactless | Yes | Yes |

## Fees

|  | Nocturne Card | UnCard |
| --- | --- | --- |
| **Virtual card issuance** | 25.00 USD | only in the app |
| Physical card issuance | not applicable | not applicable |
| Free cards | unknown | unknown |
| Shipping | not applicable | not applicable |
| Monthly fee | 0.00 USD | 0.00 USD |
| Annual fee | not published | unknown |
| **Top-up fee** | 5 % (eases to 3.5% as rolling last-30-day load volume grows) | only in the app |
| Crypto deposit fee | 0.49 % | unknown |
| **Crypto conversion fee** | 0 % | not published |
| **Foreign currency fee** | 0 % above the network rate | only in the app |
| FX free allowance | not applicable | unknown |
| **Minimum FX fee** | 0.00 USD | only in the app |
| ATM fee | not applicable | unknown |
| **Transaction fee** | 0 % + 0.00 USD | only in the app |
| Cross-border fee | 0 % | unknown |
| Withdrawal fee | 1 % | unknown |
| Activation fee | not published | unknown |
| Account closure fee | not published | not published |
| **Dispute fee** | 50.00 USD (issuing partner's charge passed through at cost; plus issuer penalty of up to $800 only if the network rules against the claim; filed only with the cardholder's written go-ahead) | not published |
| **Minimum top-up** | 15.00 USD | 20.00 USD |
| **Declined payment fee** | 0.00 USD | not published |
| Refund fee | free | unknown |
| Inactivity fee | 0.00 USD | unknown |
| **Minimum monthly spend** | 29.00 USD | not published |
| Inactivity rule | A card retires after three months idle: a warning comes first with a week to keep it, and the remaining balance is returned to the account less the standard pull-back fee. | unknown |
| Card replacement | free (free replacement only for genuine provisioning faults (e.g. an Aurora that cannot be added to Google Pay); otherwise a fresh card is minted at the normal issuance price) | unknown |

## Rewards

|  | Nocturne Card | UnCard |
| --- | --- | --- |
| Cashback | unknown | unknown |
| Referral bonus (invited friend) | unknown | unknown |
| Referral bonus (you) | unknown | unknown |
| Welcome bonus | unknown | unknown |

## Limits (entry level)

|  | Nocturne Card | UnCard |
| --- | --- | --- |
| Limits (entry level) | Spending per month only in the app | no limits captured |

- [Nocturne Card](https://cryptocardss.com/en/nocturne-card.md)
- [UnCard](https://cryptocardss.com/en/uncard.md)

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- **Canonical URL:** https://cryptocardss.com/en/compare/nocturne-card-vs-uncard/
- **As of:** 31 Oct 2026
- **Data licence:** CC BY 4.0 (https://creativecommons.org/licenses/by/4.0/)

Please cite: Source: cryptocardss.com (cryptovss), as of 31 Oct 2026, https://cryptocardss.com/en/compare/nocturne-card-vs-uncard/