Comparison
Utorg Crypto Card vs. Zebec Card: fees, limits & KYC
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Illustration
Drawn by us from the provider logo and card colours, not the official card picture.
Drawn on
Utorg Crypto CardUtorg
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zebec.io30 Oct 2026
Image source
Source
zebec.io
Retrieved on
Logos and card pictures are trademarks of their owners and are shown for identification only.
Zebec CardZebec
In short
- Zebec Card has the best score (7.5).
| Attribute |
Utorg Crypto CardUtorg
|
Zebec CardZebec
|
|---|---|---|
| Overview | Requires KYC Private Virtual | KYC unknown Private Virtual |
| Score | average | good with variant Black (waitlist): 6.9 |
| CostsWeight 25 % | 8.5 | 7.5 |
| TrustWeight 20 % | 5.8 | 7.8 |
| KYC and privacyWeight 15 % | 4.5 | not scored |
| FeaturesWeight 15 % | 4.7 | 7.0 |
| AvailabilityWeight 10 % | 3.8 | 10.0 |
| RewardsWeight 10 % | not scored | not scored |
| CommunityWeight 5 % | 5.1 | 7.4 |
| KYC | KYC: ID + proof of address | KYC unknown |
| Limits (entry level) |
|
no limits captured |
| Basics | ||
| Card form (differs)same for all |
debit
utorg.com checked 30 Oct 2026
Source and check
Source
utorg.com
Wording at the source
Accepted at physical terminals, online stores, and wherever debit cards are used.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
prepaid
zebec.io checked 30 Oct 2026
Source and check
Source
zebec.io
Wording at the source
Non-custodial prepaid card, supported worldwide by global Mastercard® networkChecked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Card typessame for all |
virtual
utorg.com checked 30 Oct 2026
Source and check
Source
utorg.com
Wording at the source
Get your virtual Utorg Crypto Card once verified.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
virtual
zebec.io checked 30 Oct 2026
Source and check
Source
zebec.io
Wording at the source
Instant access to your virtual cardChecked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Card network (differs)same for all |
 
Visa
utorg.com checked 30 Oct 2026
Source and check
Source
utorg.com
Wording at the source
### White-Label Crypto Cards Issue branded physical and virtual Visa cards to your users. Real-time crypto-to-fiat conversion at the point of sale, accepted at 80M+ merchants worldwide.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
 
Mastercard
zebec.io checked 30 Oct 2026
Source and check
Source
zebec.io
Wording at the source
Non-custodial prepaid card, supported worldwide by global Mastercard® networkChecked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Custodysame for all |
self-custody
utorg.com checked 30 Oct 2026
Source and check
Source
utorg.com
Wording at the source
Nope. You hold your keys. You hold your crypto. We never touch your assets — that's the whole point.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
self-custody
zebec.io checked 30 Oct 2026
Source and check
Source
zebec.io
Wording at the source
Unless explicitly stated otherwise in Module-Specific Terms, Zebec does not hold custody of user digital assets. Users retain control of their wallets and private keys.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Funding modelsame for all |
fiat balance
utorg.com checked 30 Oct 2026
Two sources, two values
Shownfiat balance
utorg.comchecked 30 Oct 2026
You will also be able to top up your Utorg Card by exchanging your crypto assets from your non-custodial wallet for fiat and make payments with your debit Utorg payment card.Differingconverted on spend utorg.comfetched 30 Oct 2026 Issue branded physical and virtual Visa cards to your users. Real-time crypto-to-fiat conversion at the point of sale, accepted at 80M+ merchants worldwide.Our verifier confirmed the shown value; the differing source is being checked. Check overdue · last 30 Oct 2026 Value wrong? History What does [s] mean? |
fiat balance
zebec.io checked 30 Oct 2026
Source and check
Source
zebec.io
Wording at the source
Rates applied to your transactions may differ from those available on other platforms at the time of conversion. By using Zebec card products, you acknowledge and accept the applicable conversion rate...Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Card currencies (differs)same for all |
USD
support.utorg.com checked 30 Oct 2026
Source and check
Source
support.utorg.com
Wording at the source
- Card Currency is USD: To ensure the fastest possible relaunch, all new cards are issued in USD. While we plan to reintroduce EUR cards in the future, USD is currently the primary currency.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
EUR, GBP, USD
zebec.io checked 30 Oct 2026
Source and check
Source
zebec.io
Wording at the source
Silver Single load, no fees Spend in USD, EURO or GBPChecked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Usagesame for all |
personal
utorg.com checked 30 Oct 2026
Source and check
Source
utorg.com
Wording at the source
Up to €30,000, providing you with the freedom to manage your finances without constraints.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
personal
zebec.io checked 30 Oct 2026
Source and check
Source
zebec.io
Wording at the source
Activate your card in seconds, fund from a wallet and start spending for your everyday purchases right away.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Issuer / BIN sponsorsame for all | unknown | |
| Limits depend onsame for all | unknown |
plan
zebec.io checked 30 Oct 2026
Source and check
Source
zebec.io
Wording at the source
The Zebec Silver Card accommodates various spending needs with generous limits. You can load between $5 and $1,000 per card. Additionally, you can order multiple cards and spend up to $10,000 within 2...Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Cards per accountsame for all | unknown | |
| Unknown for all | Issuer / BIN sponsor · Cards per account | |
| Availability | ||
| Available insame for all |
Available in 29 countries and regions
utorg.com checked 30 Oct 2026
Source and check
Source
utorg.com
Wording at the source
Italy Latvia Liechtenstein Lithuania Luxembourg Malta Netherlands Norway Poland Portugal Romania Slovakia Slovenia Spain Ukraine Austria Belgium Bulgaria Croatia Cyprus Czech Repub...Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
|
| Crypto | ||
| Supported assetssame for all |
USDC
support.utorg.com checked 30 Oct 2026
Source and check
Source
support.utorg.com
Wording at the source
- Top-up via USDC Only: Currently, you can top up your card exclusively using USDC. Support for other assets like BTC or ETH will be added soon.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
|
| Number of supported assets (differs)same for all |
1
support.utorg.com checked 30 Oct 2026
Source and check
Source
support.utorg.com
Wording at the source
- Top-up via USDC Only: Currently, you can top up your card exclusively using USDC. Support for other assets like BTC or ETH will be added soon. - 1:0.9995 Conversion: When you top up, 1 USDC equals $...Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
150
zebec.io checked 30 Oct 2026
Source and check
Source
zebec.io
Wording at the source
Originally built on Solana, our multi-chain platform now supports 150+ tokens across 18 major blockchainsChecked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Top-up networks (differs)same for all |
Ethereum, Solana, Polygon, Arbitrum
support.utorg.com checked 30 Oct 2026
Source and check
Source
support.utorg.com
Wording at the source
However, you can top-up the card with USDC in Ethereum, Polygon, Arbitrum and Solana networks without paying a transaction fee in the native coin. For such a top-up, we take 0 USD as a commission.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
Ethereum, Tron, BNB Smart Chain, Solana, Base, Stellar, Sui, XRP Ledger
zebec.io checked 30 Oct 2026
Source and check
Source
zebec.io
Wording at the source
18+ Chains Supported Originally built on Solana, our multi-chain platform now supports 150+ tokens across 18 major blockchains BNB Smart Chain Solana Ethereum Ripple Tron Sui Stellar baseChecked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Fiat top-upsame for all |
No
support.utorg.com checked 30 Oct 2026
Source and check
Source
support.utorg.com
Wording at the source
- Top-up via USDC Only: Currently, you can top up your card exclusively using USDC. Support for other assets like BTC or ETH will be added soon.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
|
| Payments | ||
| Mobile walletssame for all |
 
Apple Pay
 
Google Pay
utorg.com checked 30 Oct 2026
Source and check
Source
utorg.com
Wording at the source
### Google Pay & Apple Pay Easily add Utorg Card to Google Pay and Apple PayChecked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
Apple Pay
Google Pay
zebec.io checked 30 Oct 2026
Source and check
Source
zebec.io
Wording at the source
Absolutely! The Zebec Silver Card is activated in seconds and is perfect for all your online shopping needs. Use it anywhere Mastercard is accepted online or connect it to Apple Pay or Google Pay with...Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| ATM withdrawalssame for all |
No
utorg.com checked 30 Oct 2026
Source and check
Source
utorg.com
Wording at the source
Get your virtual Utorg Crypto Card once verified.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
No
zebec.io checked 30 Oct 2026
Source and check
Source
zebec.io
Wording at the source
Instant access to your virtual cardChecked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Contactlesssame for all |
Yes
utorg.com checked 30 Oct 2026
Source and check
Source
utorg.com
Wording at the source
### Google Pay & Apple Pay Easily add Utorg Card to Google Pay and Apple PayChecked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
Yes
zebec.io checked 30 Oct 2026
Source and check
Source
zebec.io
Wording at the source
Use it anywhere Mastercard is accepted online or connect it to Apple Pay or Google Pay with just a few taps.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Fees | ||
| Virtual card issuancesame for all | unknown |
0.00 USD
zebec.io checked 30 Oct 2026
Source and check
Source
zebec.io
Wording at the source
The Zebec Silver Card is a no-fee card, meaning there are no sign-up or transaction fees.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
utorg.com checked 30 Oct 2026
Source and check
Source
utorg.com
Wording at the source
Get your virtual Utorg Crypto Card once verified.Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
not applicable
zebec.io checked 30 Oct 2026
Source and check
Source
zebec.io
Wording at the source
Instant access to your virtual cardChecked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
| Free cardssame for all | unknown | |
| Shippingsame for all |
not applicable
utorg.com checked 30 Oct 2026
Source and check
Source
utorg.com
Wording at the source
Get your virtual Utorg Crypto Card once verified.Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
not applicable
zebec.io checked 30 Oct 2026
Source and check
Source
zebec.io
Wording at the source
Instant access to your virtual cardChecked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
| Monthly feesame for all |
0.00 EUR
utorg.com checked 30 Oct 2026
Source and check
Source
utorg.com
Wording at the source
Yes. Really. No payment fees, no FX markups, no monthly charges. We make money on volume — not on you.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
1.00 USD
zebec.io checked 30 Oct 2026
Source and check
Source
zebec.io
Wording at the source
The black card has the following fees: activation $1; a top up fee of approximately 2%: 30 cents per transaction fee and $1 monthly fees.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Annual feesame for all | unknown |
not published
zebec.io checked 30 Oct 2026
Source and check
Source
zebec.io
Wording at the source
The black card has the following fees: activation $1; a top up fee of approximately 2%: 30 cents per transaction fee and $1 monthly fees.Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
| Top-up feesame for all | unknown |
free
zebec.io checked 30 Oct 2026
Source and check
Source
zebec.io
Wording at the source
Single load, no feesChecked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean?
2 %
zebec.io checked 30 Oct 2026
Source and check
Source
zebec.io
Wording at the source
The black card has the following fees: activation $1; a top up fee of approximately 2%: 30 cents per transaction fee and $1 monthly fees.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? History What does [s] mean? |
| Crypto deposit feesame for all | unknown | |
| Crypto conversion feesame for all | unknown |
not published
docs.zebec.io checked 31 Oct 2026
Source and check
Source
docs.zebec.io
Wording at the source
Crypto-to-fiat conversion rates vary by token/currencyChecked Verified Check overdue · last 31 Oct 2026 Add this value? Unchanged since 31 Oct 2026 What does [s] mean? |
| Foreign currency feesame for all | 0 % promotion, no end date stated
utorg.com checked 30 Oct 2026
Source and check
Source
utorg.com
Wording at the source
## Zero fees* Enjoy zero fees on payments and cross-fiat conversions * for a limited time! For more information, contact our support team.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? , regular unknown |
|
| FX free allowancesame for all | unknown | |
| Minimum FX feesame for all | unknown | |
| ATM feesame for all |
not applicable
utorg.com checked 30 Oct 2026
Source and check
Source
utorg.com
Wording at the source
Get your virtual Utorg Crypto Card once verified.Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
not applicable
zebec.io checked 30 Oct 2026
Source and check
Source
zebec.io
Wording at the source
Instant access to your virtual cardChecked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
| Transaction feesame for all | free promotion, no end date stated
utorg.com checked 30 Oct 2026
Source and check
Source
utorg.com
Wording at the source
## Zero fees* Enjoy zero fees on payments and cross-fiat conversions * for a limited time! For more information, contact our support team.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? , regular unknown |
free
zebec.io checked 30 Oct 2026
Source and check
Source
zebec.io
Wording at the source
The Zebec Silver Card is a no-fee card, meaning there are no sign-up or transaction fees.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Cross-border feesame for all | unknown | |
| Withdrawal feesame for all | unknown | |
| Activation feesame for all | unknown |
1.00 USD
zebec.io checked 30 Oct 2026
Source and check
Source
zebec.io
Wording at the source
The black card has the following fees: activation $1; a top up fee of approximately 2%: 30 cents per transaction fee and $1 monthly fees.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Account closure feesame for all | unknown |
not published
docs.zebec.io checked 31 Oct 2026
Source and check
Source
docs.zebec.io
Wording at the source
## Fees * No sign-up fee * No transaction fee * Variable FX fees may apply when spending outside the card currency * Crypto-to-fiat conversion rates vary by token/currencyChecked Verified Check overdue · last 31 Oct 2026 Add this value? Unchanged since 31 Oct 2026 What does [s] mean? |
| Dispute feesame for all | unknown |
not published
docs.zebec.io checked 31 Oct 2026
Source and check
Source
docs.zebec.io
Wording at the source
## Fees * No sign-up fee * No transaction fee * Variable FX fees may apply when spending outside the card currency * Crypto-to-fiat conversion rates vary by token/currencyChecked Verified Check overdue · last 31 Oct 2026 Add this value? Unchanged since 31 Oct 2026 What does [s] mean? |
| Minimum top-upsame for all | unknown |
10.00 USD
docs.zebec.io checked 31 Oct 2026
Two sources, two values
Shown10.00 USD
docs.zebec.iochecked 31 Oct 2026
Load between $10 and $1,000.Differing5.00 USD zebec.iofetched 30 Oct 2026 You can load between $5 and $1,000 per card.Our verifier confirmed the shown value; the differing source is being checked. Check overdue · last 31 Oct 2026 Value wrong? History What does [s] mean? |
| Declined payment feesame for all | unknown | |
| 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 · Foreign currency fee · FX free allowance · Minimum FX fee · Cross-border fee · Withdrawal fee · Declined payment fee · Refund fee · Inactivity fee · Minimum monthly spend · Inactivity rule · Card replacement | |
| Rewards | ||
| Cashbacksame for all | unknown | |
| Referral bonus (invited friend)same for all | unknown | |
| Referral bonus (you)same for all | unknown | |
| Welcome bonussame for all | unknown | |
| Unknown for all | Cashback · 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
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One mail when something changes at Utorg Crypto Card · Zebec Card: promotions and bonuses as well as warnings and incidents.