Skip to content

Comparison

Nocturne Card vs. UnCard: fees, limits & KYC

In short

  • UnCard has the best score (5.4).
Show

differs best value same for all

Attribute Shadow Nocturne CardNocturne Online Card UnCardUnCard
Overview No KYC Private & business Virtual KYC free (limited) Private & business Virtual
Score weak average
CostsWeight 25 % 0.0 5.1
TrustWeight 20 % 1.6 1.9
KYC and privacyWeight 15 % 10.0 8.5
FeaturesWeight 15 % 5.9 7.8
AvailabilityWeight 10 % not scored not scored
RewardsWeight 10 % not scored not scored
CommunityWeight 5 % not scored not scored
KYC KYC: No ID KYC: No ID, ID + proof of address for higher volumes
Limits (entry level)
  • Spending per month: only in the app
no limits captured
Basics
Card formsame for all
prepaid nocturne.cards checked 29 Oct 2026
prepaid uncard.cc checked 29 Oct 2026
Card typessame for all
virtual nocturne.cards checked 29 Oct 2026
virtual uncard.cc checked 29 Oct 2026
Card network (differs)
not published nocturne.cards checked 30 Oct 2026
Visa uncard.cc checked 29 Oct 2026
Custodysame for all
custodial nocturne.cards checked 29 Oct 2026
custodial uncard.cc checked 29 Oct 2026
Funding modelsame for all
fiat balance nocturne.cards checked 29 Oct 2026
fiat balance uncard.cc checked 29 Oct 2026
Card currenciessame for all
USD nocturne.cards checked 29 Oct 2026
USD uncard.cc checked 29 Oct 2026
Usagesame for all
personal, business nocturne.cards checked 29 Oct 2026
personal, business uncard.cc checked 29 Oct 2026
Issuer / BIN sponsorsame for all
not published nocturne.cards checked 30 Oct 2026
not published uncard.cc checked 30 Oct 2026
Limits depend on
account tier nocturne.cards checked 30 Oct 2026
unknown
Cards per account
unknown
unknown
Availability
Available in
not published nocturne.cards checked 30 Oct 2026
unknown
Crypto
Supported assets (differs)
BTC, ETH, USDT, USDC, LTC, XMR nocturne.cards checked 29 Oct 2026
BTC, ETH, USDT, SOL, LTC, XMR uncard.cc checked 29 Oct 2026
Number of supported assets
unknown
not published uncard.cc checked 30 Oct 2026
Top-up networks
Bitcoin, Ethereum, Tron, BNB Smart Chain, Solana, Base, Litecoin nocturne.cards checked 30 Oct 2026
unknown
Fiat top-up
No nocturne.cards checked 30 Oct 2026
unknown
Payments
Mobile walletssame for all
Apple Pay Google Pay nocturne.cards checked 30 Oct 2026
Apple Pay Google Pay uncard.cc checked 29 Oct 2026
ATM withdrawals
No nocturne.cards checked 29 Oct 2026
unknown
Contactlesssame for all
Yes nocturne.cards checked 30 Oct 2026
Yes uncard.cc checked 29 Oct 2026
Fees
Virtual card issuance (differs)
25.00 USD nocturne.cards checked 30 Oct 2026
only in the app uncard.cc checked 29 Oct 2026
Physical card issuancesame for all
not applicable nocturne.cards checked 29 Oct 2026
not applicable uncard.cc checked 29 Oct 2026
Free cards
unknown
unknown
Shippingsame for all
not applicable nocturne.cards checked 30 Oct 2026
not applicable uncard.cc checked 30 Oct 2026
Monthly feesame for all
0.00 USD nocturne.cards checked 29 Oct 2026
0.00 USD uncard.cc checked 29 Oct 2026
Annual fee
not published nocturne.cards checked 30 Oct 2026
unknown
Top-up fee (differs)
5 % (eases to 3.5% as rolling last-30-day load volume grows) nocturne.cards checked 30 Oct 2026
only in the app uncard.cc checked 29 Oct 2026
Crypto deposit fee
0.49 % nocturne.cards checked 30 Oct 2026
unknown
Crypto conversion fee (differs)
0 % nocturne.cards checked 29 Oct 2026
not published uncard.cc checked 30 Oct 2026
Foreign currency fee (differs)
0 % above the network rate nocturne.cards checked 29 Oct 2026
only in the app uncard.cc checked 30 Oct 2026
FX free allowance
not applicable nocturne.cards checked 30 Oct 2026
unknown
Minimum FX fee (differs)
0.00 USD nocturne.cards checked 30 Oct 2026
only in the app uncard.cc checked 30 Oct 2026
ATM fee
not applicable nocturne.cards checked 29 Oct 2026
unknown
Transaction fee (differs)
0 % + 0.00 USD nocturne.cards checked 30 Oct 2026
only in the app uncard.cc checked 30 Oct 2026
Cross-border fee
0 % nocturne.cards checked 30 Oct 2026
unknown
Withdrawal fee
1 % nocturne.cards checked 30 Oct 2026
unknown
Activation fee
not published nocturne.cards checked 30 Oct 2026
unknown
Account closure feesame for all
not published nocturne.cards checked 31 Oct 2026
not published uncard.cc checked 31 Oct 2026
Dispute fee (differs)
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) nocturne.cards checked 31 Oct 2026
not published uncard.cc checked 31 Oct 2026
Minimum top-up (differs)
15.00 USD nocturne.cards checked 30 Oct 2026
20.00 USD uncard.cc checked 30 Oct 2026
Declined payment fee (differs)
0.00 USD nocturne.cards checked 30 Oct 2026
not published uncard.cc checked 30 Oct 2026
Refund fee
free nocturne.cards checked 30 Oct 2026
unknown
Inactivity fee
0.00 USD nocturne.cards checked 30 Oct 2026
unknown
Minimum monthly spend (differs)
29.00 USD nocturne.cards checked 30 Oct 2026
not published uncard.cc checked 30 Oct 2026
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. nocturne.cards checked 30 Oct 2026
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) nocturne.cards checked 31 Oct 2026
unknown
Unknown for allFree cards
Rewards
Cashback
unknown
unknown
Referral bonus (invited friend)
unknown
unknown
Referral bonus (you)
unknown
unknown
Welcome bonus
unknown
unknown
Unknown for allCashback · Referral bonus (invited friend) · Referral bonus (you) · 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 Nocturne Card · UnCard: promotions and bonuses as well as warnings and incidents.

What do you want to receive?

You will first get a mail with a confirmation link.