Skip to content

Without a choice of your own we suggest country and currency from your IP address (not stored). Your choice stays in your browser only. Converted amounts are approximations; the original amount is always shown.

EN
Image source Source exactly.app Retrieved on Logos and card pictures are trademarks of their owners and are shown for identification only.

by Exactly

Exactly Card

KYC free (limited) Private Virtual

checked 29 Oct 2026 Source and check Checked29 Oct 2026 Verified29 Oct 2026 Updated29 Oct 2026 “checked” is the last time the source was found unchanged; “verified” is the last time the value was read from the source. “updated” is the last real value change. What does [s] mean? Something missing? Alerts

Image source Source exactly.app Retrieved on Logos and card pictures are trademarks of their owners and are shown for identification only.
Score good of 100

How it is made up ↓Methodology →

To Exactly

Basicsexactly-card

Card form
credit Source and check Source help.exactly.app Wording at the source After downloading the Exa App, going through KYC, and adding funds, a credit card is created. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Card types
virtual Source and check Source help.exactly.app Wording at the source The Exa Card is a virtual card available in 180+ countries. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Card network
Visa Source and check Source exactly.app Wording at the source A free VISA Signature credit card backed by your digital assets. Fixed rate interest installments. Available instantly on the Exa App. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Custody
self-custody Source and check Source help.exactly.app Wording at the source Simply download the Exa App, complete a quick KYC process, transfer funds to your self-custodial wallet, and integrate your Exa Card with Apple Pay or Android Pay. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Funding model
credit line Source and check Source help.exactly.app Wording at the source When you configure the pay mode to be in installments, every time you make a purchase, the Exa App borrows the amount needed from Exactly Protocol's fixed-rate lending markets, converts it to USD, and... Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Card currencies
USD Source and check Source help.exactly.app Wording at the source When you configure the pay mode to be in installments, every time you make a purchase, the Exa App borrows the amount needed from Exactly Protocol's fixed-rate lending markets, converts it to USD, and... Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Usage
personal Source and check Source help.exactly.app Wording at the source You will use the Exa Card for personal, family, or household use. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Limits depend on
KYC level Source and check Source help.exactly.app Wording at the source #### Can I upscale my account and expand my limits? Of course, you will need to add documentation that accredits your address and licits funds. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Cards per account
unknown
Mobile wallets
Apple Pay Google Pay Source and check Source help.exactly.app Wording at the source You can access your card details from the card screen; this data is required to make online purchases or add your card to Google Wallet or Apple Wallet to start using it in-store. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
ATM withdrawals
Yes Source and check Source help.exactly.app Wording at the source Yes — you can now withdraw cash at any ATM that supports contactless (NFC) technology using your Exa Card. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Contactless
Yes Source and check Source exactly.app Wording at the source ### Go buy Contactless in-store or online Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?

Fees and cashback

AttributeValue
Fees
Virtual card issuance unknown
Physical card issuance not applicable Source and check Source help.exactly.app Wording at the source No, there are no physical cards available at the moment. Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean?
Shipping not applicable Source and check Source help.exactly.app Wording at the source No, there are no physical cards available at the moment. Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean?
Monthly fee unknown
Annual fee Standard: unknown
1 more country/region United States: 0.00 USD Source and check Source help.exactly.app Wording at the source | Annual Fees | 0% | 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
Minimum conversion unknown
Foreign currency fee Standard: 1.5 % Source and check Source help.exactly.app Wording at the source Every transaction you make with your card in a currency that is not USD has a 1.5% FX fee (foreign transaction fee) included in the currency rate. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
1 more country/region United States: 1 % Source and check Source help.exactly.app Wording at the source | Transaction Fees • Balance Transfer • Cash Advance • International Transaction | N/A None 1% of each transaction in U.S. dollars. | Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Minimum FX fee unknown
ATM fee 0.65 % + 1.00 USD Source and check Source help.exactly.app Wording at the source - Fees: $1 + 0.65% per transaction Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? ↳ Withdrawing 200.00 USD at an ATM: 2.30 USD
Merchant-specific fee unknown
Declined payment fee unknown
Refund fee unknown
Inactivity fee unknown
Minimum monthly spend unknown
Inactivity rule unknown
Card replacement unknown
Plan waivers unknown
Cashback & rewards
Cashback unknown

Amounts in your display currency are approximations (hover or tap for the original and the rate) · exchange rate of

KYC and limits

Standard (all countries without rules of their own)

No ID Full verification
Requirement Tier 1 at Exactly Tier 2 at Exactly
Documents
Phone number conditionalRequested during Persona KYC –
Name and date of birth conditionalRequested during Persona KYC –
Address conditionalRequested during Persona KYC –
ID document conditionalRequested during Persona KYC –
Selfie / liveness conditionalPersonal photo or biometric face scan requested during Persona KYC –
Proof of address – required
Source of funds – required
Limits
Spending per week 10,000 USD Source and check Source help.exactly.app Wording at the source | Weekly | 10.000$ | Checked Verified Value wrong? No earlier versions What does [s] mean? –
ATM per transaction 250 USD Source and check Source help.exactly.app Wording at the source - Up to $250 per withdrawal Checked Verified Value wrong? No earlier versions What does [s] mean? all levels
ATM per day (number) 4× Source and check Source help.exactly.app Wording at the source - Max 4 withdrawals per day Checked Verified Value wrong? No earlier versions What does [s] mean? all levels
Source Source and check Source help.exactly.app Wording at the source - KYC and AML Information. In order to apply for the Exa Card, you will need to undertake a KYC and compliance process, that will be carried out by our third-party provider Persona. During this proces... Checked Verified Value wrong? History What does [s] mean? Source and check Source help.exactly.app Wording at the source #### Can I upscale my account and expand my limits? Of course, you will need to add documentation that accredits your address and licits funds. Checked Verified Value wrong? No earlier versions What does [s] mean?

No ID: e-mail, phone or personal details, no ID documentFull verification: additionally proof of the source of funds

KYC: No ID, full verification for higher volumes KYC-free according to the provider (limits not published).

When is KYC needed?

  • High volumeFor high volumes, Exactly may request additional documents such as proof of source of funds. Source and check Source help.exactly.app Wording at the source If a user surpasses these limits, an automated funds verification process will be initiated. You'll need to fill out a form that specifies the source of the funds in question and attach documentation... Checked Verified Value wrong? History What does [s] mean?
Different rules in: United States

Rules for United States

No ID Full verification
Requirement Tier 1 at Exactly Tier 2 at Exactly
Documents
Phone number conditionalAccount information requested by the issuer –
Name and date of birth required –
Address required –
ID document conditionalAdditional documents requested to verify account information –
Proof of address – required
Tax ID conditionalSocial Security number or other government identification number requested by the issuer –
Source of funds – required
Limits
Spending per week 10,000 USD Source and check Source help.exactly.app Wording at the source | Weekly | 10.000$ | Checked Verified Value wrong? No earlier versions What does [s] mean? –
ATM per transaction 250 USD Source and check Source help.exactly.app Wording at the source - Up to $250 per withdrawal Checked Verified Value wrong? No earlier versions What does [s] mean? all levels
ATM per day (number) 4× Source and check Source help.exactly.app Wording at the source - Max 4 withdrawals per day Checked Verified Value wrong? No earlier versions What does [s] mean? all levels
Source Source and check Source help.exactly.app Wording at the source We need and will request complete, current and valid information about you to manage your Account. Such information may include but is not limited to: your legal name; your address(es); your telephone... Checked Verified Value wrong? No earlier versions What does [s] mean? Source and check Source help.exactly.app Wording at the source #### Can I upscale my account and expand my limits? Of course, you will need to add documentation that accredits your address and licits funds. Checked Verified Value wrong? No earlier versions What does [s] mean?

No ID: e-mail, phone or personal details, no ID documentFull verification: additionally proof of the source of funds

KYC: No ID, full verification for higher volumes KYC-free according to the provider (limits not published).

When is KYC needed?

  • High volumeFor high volumes, Exactly may request additional documents such as proof of source of funds. Source and check Source help.exactly.app Wording at the source If a user surpasses these limits, an automated funds verification process will be initiated. You'll need to fill out a form that specifies the source of the funds in question and attach documentation... Checked Verified Value wrong? History What does [s] mean?
What do you have to show? Open the KYC finder

Availability

AttributeValue
Available in unknown
Residency requirement Card issuance is based on residence in a listed eligible country or US state. Nigeria, South Africa, and Sri Lanka require additional approval. In the US, eligibility is limited to Alabama, Alaska, Arkansas, California, Colorado, Connecticut, Florida, Hawaii, Illinois, Indiana, Iowa, Kansas, Kentucky, Maine, Massachusetts, Michigan, Minnesota, Montana, Nebraska, New Hampshire, New Jersey, New York, North Carolina, Oklahoma, Pennsylvania, South Carolina, Texas, Utah, Virginia, West Virginia, and Wyoming. Source and check Source help.exactly.app Wording at the source Subject to approval: Nigeria, South Africa, Sri Lanka. Card issuance in these countries depends on additional approval and may not be available. ## Eligible US States for Card Issuance The Exa Card... Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?

Key countries

  • Germany unknown
  • Austria unknown
  • Switzerland unknown
  • United States unknown
  • United Kingdom unknown
  • France unknown
  • Spain unknown
  • Italy unknown
  • Netherlands unknown
  • Türkiye unknown
  • Brazil unknown
  • Nigeria unknown
  • India unknown
  • United Arab Emirates unknown
  • Singapore unknown

✓ available · ✗ not available · ? not known from the sources

Crypto

AttributeValue
Supported assets ETH, USDC, OP, WBTC, Wst E T H Source and check Source help.exactly.app Wording at the source The Exa App supports deposits in USDC, ETH, WBTC, wstETH, and OP. 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 only in the app Source and check Source help.exactly.app Wording at the source Which networks are supported? The feature covers multiple mainnets including Ethereum, Optimism, Base, Arbitrum, Polygon, and Worldchain, with coverage varying by token. For example, USDC is available... Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean?
Spending order Pay Now purchases are deducted from USDC first; if the USDC balance is insufficient, other wallet assets such as ETH or wBTC can be used, and the user can select a preferred payment asset in the card section. Source and check Source help.exactly.app Wording at the source If you have configured "Pay now" in the Pay Mode section, your purchases will be deducted from your USDC balance. This means every time you make a transaction, the amount spent is immediately subtract... Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Fiat top-up unknown

Bonuses and promotions

What Exactly offers itself: referral bonus, welcome bonus, running promotions and partner programme. Values of the provider, with source; no affiliate link in it.

No referral bonus, welcome bonus or promotion documented yet.

Trust

AttributeValue
Issuer / BIN sponsor Third National Source and check Source help.exactly.app Wording at the source "Issuer" refers to the issuer of the card program. The issuer for this card program is Third National. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Program manager Exa Labs S.A.S. Source and check Source help.exactly.app Wording at the source Exa is the program manager of the Exa Card. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Headquarters Available in: Uruguay Source and check Source help.exactly.app Wording at the source These terms and conditions of use, together with any other documents and additional terms incorporated herein by reference ("Terms"), set out the terms and conditions under which EXA LABS S.A.S., a co... Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Support channels chat Source and check Source help.exactly.app Wording at the source The only official way to contact our team is through the Chat in the Helpdesk. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?

Issuer

Third National (United States) Source and check Source help.exactly.app Wording at the source "Issuer" refers to the issuer of the card program. The issuer for this card program is Third National. Checked Verified Registered name: Nimbus LLC Source and check Source legal.raincards.xyz Wording at the source Third National services: Nimbus LLC, doing business as Third National and Third National LLC, is a licensed lender, money transmitter and Visa-authorized card issuer that provides card issuance, payme... Checked Verified Issues 18 card programmes in our catalogue

Transparency

Transparency 86 %

0 of 15 key values not published

  • Imprint / company details: no
  • Public fee schedule: yes
  • Cardholder agreement: yes
  • Terms and conditions: yes
  • Terms with version or date: yes

Sources last checked 2026-10-29

Licences

No licences captured yet.

What users report

No community reports evaluated yet.

How the score is made up

65.02 of 100 · good

Weighted sum of the criteria, each 0 to 100 from proven values. A criterion without data is not scored and counts neutral, not as 0.

Methodology and weights
  1. CostsWeight 25 %
    64/100
    15.9 of 25 points

    monthly/annual fee, top-up, FX and ATM fees

  2. KYC and privacyWeight 20 %
    70/100
    14.0 of 20 points

    KYC class needed, KYC-free allowance

  3. FeaturesWeight 15 %
    80/100
    12.0 of 15 points

    wallets, physical card, ATM, assets, chains

  4. AvailabilityWeight 10 %
    –
    not scored counts neutral (5.0)

    number of countries, EU/US/UK

  5. RewardsWeight 10 %
    –
    not scored counts neutral (5.0)

    cashback considering caps and staking requirements

  6. TrustWeight 10 %
    81/100
    8.1 of 10 points

    licences, incidents, company and card age, issuer, ownership, security, transparency

    Trust in detail
    • LicencesWeight 15 % not scored
    • Company age (up to 5 years)Weight 10 % not scored
    • Card on the market (up to 3 years)Weight 10 % not scored
    • IssuerWeight 15 % 60
    • OwnershipWeight 10 % not scored
    • Security evidenceWeight 15 % not scored
    • TransparencyWeight 10 % 86
    • Incidents (12 months)Weight 15 % 100
  7. CommunityWeight 10 %
    –
    not scored counts with the median (5.0)

    ratings and reports, damped, neutral with too little data

Early warning

Alerts for this card

We tell you what changes at Exactly Card and Exactly, with evidence for every alert.

What do you want to receive?

You will first get a mail with a confirmation link.

Changelog

  • Score changed from 61.64 to 65.02.

  • Score changed from 62.93 to 61.64.

  • Changes to limits.

  • Changes to KYC levels and requirements.

  • Score changed from 62.18 to 62.93.

  • Changes to limits.

  • New logo.

  • Score changed from 60.93 to 62.18.

  • Changes to KYC levels and requirements.

  • New card image.

  • Score changed from 56.83 to 60.93.

  • Changes to limits.

  • Changes to KYC levels and requirements.

  • Score changed from 56.08 to 56.83.

  • Changes to licences.

Apply for Exactly Card directly with the provider.

All information without guarantee; the provider’s terms are binding. No investment or financial advice: scores are methodical comparisons, not recommendations.

Report an error To Exactly