Comparison
Tangem Pay Card vs. Tuyo Card: fees, limits & KYC
-
tangem.com29 Oct 2026
Image source
Source
tangem.com
Retrieved on
Logos and card pictures are trademarks of their owners and are shown for identification only.
Tangem Pay CardTangem
-
tuyo.com29 Oct 2026
Image source
Source
tuyo.com
Retrieved on
Logos and card pictures are trademarks of their owners and are shown for identification only.
Tuyo CardTuyo
In short
- Tuyo Card has the lowest foreign currency fee (1 %).
- Tuyo Card has the higher score (61.39).
| Attribute |
Tangem Pay CardTangem
Requires KYC
Virtual
Physical
Metal
|
Tuyo CardTuyo
Requires KYC
Private
Virtual
|
|---|---|---|
| Score | average with variant Plus: 52.34 with variant Prestige (waitlist): 57.57 | average |
| CostsWeight 25 % | 61 | 92 |
| KYC and privacyWeight 20 % | 35 | 35 |
| FeaturesWeight 15 % | 84 | 74 |
| AvailabilityWeight 10 % | not scored | not scored |
| RewardsWeight 10 % | 26 | not scored |
| TrustWeight 10 % | 55 | 54 |
| CommunityWeight 10 % | not scored | not scored |
| KYC | KYC: ID document | KYC: ID document |
| Limits (entry level) |
|
|
| Basics | ||
| Card form (differs) |
not published
tangem.com checked 29 Oct 2026
Source and check
Source
tangem.com
Wording at the source
Tangem Pay supports a virtual Visa card. The research supports top-up of USDC before spending, but it does not prove a prepaid-card classification.Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? |
unknown |
| Card types (differs) |
virtual, physical
tangem.com checked 29 Oct 2026
Source and check
Source
tangem.com
Wording at the source
| Card types available | Virtual, Plastic | Virtual, Plastic | Virtual, Plastic, Metal (max 2) |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
virtual, physical, metal
tangem.com checked 29 Oct 2026
Source and check
Source
tangem.com
Wording at the source
| Card types available | Virtual, Plastic | Virtual, Plastic | Virtual, Plastic, Metal (max 2) |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
virtual
tuyo.com checked 29 Oct 2026
Source and check
Source
tuyo.com
Wording at the source
Coming soon. Until then, it lives in your phone.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Card network |
Visa
tangem.com checked 29 Oct 2026
Source and check
Source
tangem.com
Wording at the source
The Tangem Pay Visa card is issued by Rain, a Visa Principal Member.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
Visa
tuyo.com checked 29 Oct 2026
Source and check
Source
tuyo.com
Wording at the source
### It's a Visa cardChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Custody |
smart wallet
tangem.com checked 29 Oct 2026
Source and check
Source
tangem.com
Wording at the source
Your card balance is held in a smart contract account that you control. You can withdraw any available USDC or USDT to your Tangem Wallet at any time by tapping Withdraw in the app.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
smart wallet
help.tuyo.com checked 29 Oct 2026
Source and check
Source
help.tuyo.com
Wording at the source
Independent access is possible when your signer is authorized and the required contracts and transaction infrastructure are available on the network. Tuyo uses ZeroDev Kernel smart accounts; the versi...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Funding model |
stablecoin balance
tangem.com checked 29 Oct 2026
Source and check
Source
tangem.com
Wording at the source
When you make a purchase with your Tangem Pay card, the equivalent amount of USDC or USDT is deducted from one of your Tangem Pay smart contract accounts on the corresponding network — which is separa...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
stablecoin balance
help.tuyo.com checked 29 Oct 2026
Source and check
Source
help.tuyo.com
Wording at the source
The card is powered by USDC on Base. You can deposit USDC (or any token) on Base, Ethereum, Arbitrum, BNB Smart Chain (BSC), or Polygon, and convert to Base USDC inside Tuyo.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Card currencies |
USD
tangem.com checked 29 Oct 2026
Source and check
Source
tangem.com
Wording at the source
The card currency is USD, so purchases in another currency may be subject to Visa foreign exchange rates and cross-border fees.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
USD
tuyo.com checked 29 Oct 2026
Source and check
Source
tuyo.com
Wording at the source
Tuyo Card has no issuance, monthly or yearly fee. A 1% FX fee applies to purchases in a currency other than USD, and the card provider charges a 1% fee on purchases outside the US. Both can apply toge...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Usage (differs) |
personal
help.tuyo.com checked 29 Oct 2026
Source and check
Source
help.tuyo.com
Wording at the source
The Tuyo card cannot be issued to consumers residing in these U.S. states and territories:Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
|
| Issuer / BIN sponsor (differs) |
Rain
tangem.com checked 29 Oct 2026
Source and check
Source
tangem.com
Wording at the source
The Tangem Pay Visa card is issued by Rain, a Visa Principal Member.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
not published
tuyo.com checked 29 Oct 2026
Source and check
Source
tuyo.com
Wording at the source
Fiat services, including conversions and virtual account numbers, are provided through Bridge. Tuyo works with Rain for card issuance services, with cards issued by licensed partner institutions. Brid...Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? |
| Limits depend on (differs) |
KYC level, plan
tangem.com checked 29 Oct 2026
Source and check
Source
tangem.com
Wording at the source
1 $1history. These limits may differ for each ACHon your risk profile, verification level, and account Transaction and withdrawal limits are set based $0 Card holder and may be changed from timeInco...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
unknown |
| Cards per account (differs) |
3
tangem.com checked 29 Oct 2026
Source and check
Source
tangem.com
Wording at the source
Maximum cards per account 3 5Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
5
tangem.com checked 29 Oct 2026
Source and check
Source
tangem.com
Wording at the source
Maximum cards per account 3 5Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
10
tangem.com checked 29 Oct 2026
Source and check
Source
tangem.com
Wording at the source
Prestige ### $83/month Coming soon. Charged as a single $999 payment for a yearly subscription. Subject to eligibility. - 10 cards per userChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
unknown |
| Availability | ||
| Available in | unknown | |
| Crypto | ||
| Supported assets (differs) |
USDT, USDC
tangem.com checked 29 Oct 2026
Source and check
Source
tangem.com
Wording at the source
Or send USDC or USDT on Polygon, Base, BNB Smart Chain, or Arbitrum to your Tangem Pay deposit address.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
USDC
help.tuyo.com checked 29 Oct 2026
Source and check
Source
help.tuyo.com
Wording at the source
| Compatible tokens | USDC on Base (convert inside Tuyo) |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Number of supported assets | unknown | |
| Top-up networks (differs) |
BNB Smart Chain, Polygon, Arbitrum, Base
tangem.com checked 29 Oct 2026
Source and check
Source
tangem.com
Wording at the source
Or send USDC or USDT on Polygon, Base, BNB Smart Chain, or Arbitrum to your Tangem Pay deposit address.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
Ethereum, BNB Smart Chain, Polygon, Arbitrum, Base
help.tuyo.com checked 29 Oct 2026
Source and check
Source
help.tuyo.com
Wording at the source
The card is powered by USDC on Base. You can deposit USDC (or any token) on Base, Ethereum, Arbitrum, BNB Smart Chain (BSC), or Polygon, and convert to Base USDC inside Tuyo.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Fiat top-up (differs) |
Yes
tangem.com checked 29 Oct 2026
Source and check
Source
tangem.com
Wording at the source
Fund your Tangem Pay card with stablecoins or fiat directly from your bank account.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
unknown |
| Payments | ||
| Mobile wallets |
Apple Pay
Google Pay
tangem.com checked 29 Oct 2026
Source and check
Source
tangem.com
Wording at the source
Load USDC on Polygon, add your card to Apple Pay or Google Pay, then use it at Visa-accepting merchants.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
Apple Pay
Google Pay
help.tuyo.com checked 29 Oct 2026
Source and check
Source
help.tuyo.com
Wording at the source
| Mobile wallets | Apple Pay & Google Pay |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| ATM withdrawals |
Yes
tangem.com checked 29 Oct 2026
Source and check
Source
tangem.com
Wording at the source
Yes. You can withdraw cash at contactless ATMs with your smartphone and at any standard ATM with your physical Tangem Pay card.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
Yes
help.tuyo.com checked 29 Oct 2026
Source and check
Source
help.tuyo.com
Wording at the source
| ATM withdrawals | Supported at Visa ATMs — up to $250 per withdrawal (details) |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Contactless |
Yes
tangem.com checked 29 Oct 2026
Source and check
Source
tangem.com
Wording at the source
It works with Apple Pay and Google Pay for contactless payments.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
Yes
tuyo.com checked 29 Oct 2026
Source and check
Source
tuyo.com
Wording at the source
Add it to your phone and pay with a tap.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Fees | ||
| Virtual card issuance (differs) |
5.00 USD
tangem.com checked 29 Oct 2026
Source and check
Source
tangem.com
Wording at the source
Additional card issuing fee $5Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
0.00 USD
tangem.com checked 29 Oct 2026
Source and check
Source
tangem.com
Wording at the source
| Card replacement / additional card fee | Virtual: $5; Plastic: delivery fee only | Virtual: $5; Plastic: delivery fee only | $0 |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
0.00 USD
help.tuyo.com checked 29 Oct 2026
Source and check
Source
help.tuyo.com
Wording at the source
The card has no issuance fee and no monthly or yearly fees.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Physical card issuance (differs) |
not applicable
tuyo.com checked 29 Oct 2026
Source and check
Source
tuyo.com
Wording at the source
Not yet. A physical card is in the works and will be available soon.Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? |
|
| Free cards | unknown | |
| Shipping | unknown | |
| Monthly fee |
0.00 USD
tangem.com checked 29 Oct 2026
Source and check
Source
tangem.com
Wording at the source
Plan fee $0 $29.99 / monthChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
29.99 USD
tangem.com checked 29 Oct 2026
Source and check
Source
tangem.com
Wording at the source
Plan fee $0 $29.99 / monthChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
0.00 USD
help.tuyo.com checked 29 Oct 2026
Source and check
Source
help.tuyo.com
Wording at the source
The card has no issuance fee and no monthly or yearly fees.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Annual fee (differs) |
0.00 USD
help.tuyo.com checked 29 Oct 2026
Source and check
Source
help.tuyo.com
Wording at the source
The card has no issuance fee and no monthly or yearly fees.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
|
| Top-up fee | unknown | |
| Crypto deposit fee | unknown | |
| Crypto conversion fee | unknown | |
| Foreign currency fee (differs) |
1.5 % above the network rate
tangem.com checked 29 Oct 2026
Source and check
Source
tangem.com
Wording at the source
Foreign Exchange fee (for non-USD transactions) Visa Exchange Rate5 + 1.5%Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
1.5 %
tangem.com checked 29 Oct 2026
Source and check
Source
tangem.com
Wording at the source
| FX fee | 1.5% | 1.5% | 1.5% |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
1 %
help.tuyo.com checked 29 Oct 2026
Source and check
Source
help.tuyo.com
Wording at the source
| FX fee | 1% when you spend in a currency other than USD |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| FX free allowance | unknown | |
| Minimum FX fee | unknown | |
| ATM fee (differs) |
4 %
tangem.com checked 29 Oct 2026
Source and check
Source
tangem.com
Wording at the source
ATM withdrawal fee 4% 2%Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
2 %
tangem.com checked 29 Oct 2026
Source and check
Source
tangem.com
Wording at the source
ATM withdrawal fee 4% 2%Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
1 %
tangem.com checked 29 Oct 2026
Source and check
Source
tangem.com
Wording at the source
| ATM fee | 4% | 2% | 1% |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
unknown |
| Transaction fee | unknown | |
| Cross-border fee | unknown | |
| Withdrawal fee | unknown | |
| Activation fee | unknown | |
| Minimum top-up | unknown | |
| Declined payment fee | unknown | |
| Refund fee | unknown | |
| Inactivity fee | unknown | |
| Minimum monthly spend |
4,500.00 USD
tangem.com checked 29 Oct 2026
Source and check
Source
tangem.com
Wording at the source
Plus ### $29.99/month Free with $4,500 monthly spending or $65,000 in Yield Mode. Subject to eligibility.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
unknown |
| Inactivity rule | unknown | |
| Card replacement | unknown | |
| Rewards | ||
| Cashback (differs) | unknown | |
| Referral bonus (invited friend) | unknown | |
| Referral bonus (you) | unknown | |
| Welcome bonus | unknown | |
Highlighted rows differ.
Values of the chosen variant; without a choice the entry variant (first in the provider's order).
Early warning
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One mail when something changes at Tangem Pay Card · Tuyo Card: promotions and bonuses as well as warnings and incidents.