Basicshalocard
- Card form
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credit
Source and check
Source
halocard.co
Wording at the source
Yes. Halocard issues Visa credit cards rather than debit cards, for higher acceptance, and doesn't require linking your bank account through Plaid.
Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? - Card types
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virtual, physical
Source and check
Source
halocard.co
Wording at the source
| Plans | Virtual Cards | Extra Cards (Annual Plans) | Single-use Cards (Annual Plans) | Physical Cards (Annual Plans) | Price | Initial Deposit | |---|---|---|---|---|---|---| | Essential+ | 3 total...
Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? - Card network
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Visa
Source and check
Source
halocard.co
Wording at the source
Every Halocard starts as a virtual card: a full Visa number, expiry and CVC, issued in seconds and ready to use online straight away.
Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? - Custody
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custodial
Source and check
Source
halocard.co
Wording at the source
You fund the account, not the card. Every Halocard draws on one balance, so there is no moving money between cards to cover a charge.
Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? - Funding model
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fiat balance
Source and check
Source
halocard.co
Wording at the source
Fund your balance with stablecoins (USDC, USDT) or with BTC, ETH and SOL, converted to your USD balance on arrival.
Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? - Card currencies
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USD
Source and check
Source
halocard.co
Wording at the source
Halocards are held in US Dollars. Pay in another currency and Visa converts at its rate on the day, with Halocard's conversion fee on top.
Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? - Usage
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personal, business
Source and check
Source
halocard.co
Wording at the source
Our Services include web-based and mobile applications for card and account management, tools for creating consumer and commercial virtual and physical cards, and virtual account services provided thr...
Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? - Limits depend on
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user setting
Source and check
Source
halocard.co
Wording at the source
Give a card a daily, weekly or monthly limit and it declines anything above it.
Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? - Mobile wallets
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Apple Pay
Google Pay
Source and check
Source
halocard.co
Wording at the source
Add a Halocard to Apple Wallet or Google Wallet and tap to pay in person, including at ATMs that accept phone wallets.
Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? - ATM withdrawals
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Yes
Source and check
Source
halocard.co
Wording at the source
Add a Halocard to Apple Wallet or Google Wallet and tap to pay in person, including at ATMs that accept phone wallets.
Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? - Contactless
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Yes
Source and check
Source
halocard.co
Wording at the source
Add a Halocard to Apple Wallet or Google Wallet and tap to pay in person, including at ATMs that accept phone wallets.
Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Fees and cashback
| Attribute | Value |
|---|---|
| Fees | |
| Virtual card issuance | unknown |
| Physical card issuance | unknown |
| Shipping | unknown |
| Monthly fee | unknown |
| Annual fee | unknown |
| Top-up fee |
|
| Crypto deposit fee | unknown |
| Crypto conversion fee | unknown |
| Minimum conversion | unknown |
| Foreign currency fee |
1.5 %
Source and check
Source
halocard.co
Wording at the source
Purchases in any currency other than USD carry a 1.5% fee.Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Minimum FX fee | unknown |
| ATM fee |
1.5 % + 1.00 USD
Source and check
Source
halocard.co
Wording at the source
| ATM Withdrawal | 1.5% + $1.00 | Applicable when withdrawing cash from an ATM, where ATM access is enabled. The ATM operator may also charge a separate fee. There is a limit of 3 ATM withdrawals ever...Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? ↳ Withdrawing 200.00 USD at an ATM: 4.00 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
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ID document
ID document, often with a selfie or video ident
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Identity verification at Halocard
review time usually less than 3 minutes
Source and check Source halocard.co Wording at the source
This law requires the following details be verified when issuing a new card or account: 1. Legal name 2. Residential address 3. Date of birth 4. A valid government-issued ID 5. A selfie to verify you...
Checked Verified Value wrong? No earlier versions What does [s] mean?Requires: Name and date of birth, Address, ID document, Selfie / liveness
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| Limits | Value |
|---|---|
| Spending per day |
1,000,000 USD
Source and check
Source
halocard.co
Wording at the source
The ceiling is $1M a day. Below that your limit is simply your balance: deposit more, spend more.Checked Verified Value wrong? No earlier versions What does [s] mean? |
| ATM per transaction |
250 USD
Source and check
Source
halocard.co
Wording at the source
| ATM Withdrawal | 1.5% + $1.00 | Applicable when withdrawing cash from an ATM, where ATM access is enabled. The ATM operator may also charge a separate fee. There is a limit of 3 ATM withdrawals ever...Checked Verified Value wrong? No earlier versions What does [s] mean? |
| ATM per 24 hours (number) |
3×
Source and check
Source
halocard.co
Wording at the source
| ATM Withdrawal | 1.5% + $1.00 | Applicable when withdrawing cash from an ATM, where ATM access is enabled. The ATM operator may also charge a separate fee. There is a limit of 3 ATM withdrawals ever...Checked Verified Value wrong? No earlier versions What does [s] mean? |
Business use (KYB)
Only relevant if the card is requested for a company.
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ID document
ID document, often with a selfie or video ident
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Business account verification at Halocard
Source and check Source halocard.co Wording at the source
For Business Accounts (all jurisdictions), you must provide business formation documents (articles of incorporation, operating agreement, etc.), tax identification number (EIN, VAT number, or equivale...
Checked Verified Value wrong? No earlier versions What does [s] mean?Requires: ID document, Tax ID, Company documents (KYB)
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KYC: ID document Halocard states that it does not offer a KYC-free card.
When is KYC needed?
- Risk reviewAfter a risk review at its own discretion, Halocard may request additional documents such as proof of source of funds.
Source and check
Source
halocard.co
Wording at the source
We may request additional information or documentation at any time to comply with legal or regulatory requirements, verify ongoing eligibility, investigate suspected fraud or violations, or meet Finan...
Checked Verified Value wrong? History What does [s] mean? - Payout to a bank accountFor payouts to a bank account, Halocard repeats the identity verification.
Source and check
Source
halocard.co
Wording at the source
We may delay, hold, or decline a withdrawal to verify your identity or the destination account, to investigate suspected fraud or a violation of these Terms, or to comply with law or the requirements...
Checked Verified Value wrong? History What does [s] mean?
Availability
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
| Attribute | Value |
|---|---|
| Supported assets |
BTC, ETH, USDT, USDC, SOL
Source and check
Source
halocard.co
Wording at the source
| Stablecoins: USDT, USDC | Free | Instant | Transfer to a unique address on Arbitrum, Avalanche, Base, Optimism, Polygon, BSC or the Solana network | | Major Tokens: SOL, ETH, BTC | 1% | 1 - 60 mins...Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Number of supported assets | unknown |
| Top-up networks |
BNB Smart Chain, Solana, Polygon, Arbitrum, Base, Optimism, Avalanche
Source and check
Source
halocard.co
Wording at the source
| Stablecoins: USDT, USDC | Free | Instant | Transfer to a unique address on Arbitrum, Avalanche, Base, Optimism, Polygon, BSC or the Solana network |Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Spending order | unknown |
| Fiat top-up |
Yes
Source and check
Source
halocard.co
Wording at the source
| BANK TRANSFER | | | | |---|---|---|---| | ACH Transfer: USD | Free | 0 - 3 days | Pay via standard or same-day ACH directly to your Halocard-provided bank account. |Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
Bonuses and promotions
What Halocard 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
| Attribute | Value |
|---|---|
| Issuer / BIN sponsor |
Third National
Source and check
Source
halocard.co
Wording at the source
Halocard is a financial technology company, not a bank. Card issuance is provided by Third National, a Non-Bank Principal Member of the Visa Network.Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Program manager | unknown |
| Headquarters | unknown |
| Support channels |
chat, email, phone
Source and check
Source
halocard.co
Wording at the source
Chat, Email & Phone SupportChecked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
Issuer
Halocard is a financial technology company, not a bank. Card issuance is provided by Third National, a Non-Bank Principal Member of the Visa Network.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
Company
| Registered name | Halocard LLC
Source and check
Source
halocard.co
Wording at the source
These Terms of Service ("Terms") constitute a binding legal agreement between you ("you," "your," or "User") and Halocard LLC ("Halocard," "we," "our," or "us"), a Wyoming limited liability company, g...Checked Verified |
|---|
Transparency
Transparency 100 %
0 of 14 key values not published
- Imprint / company details: yes
- Public fee schedule: yes
- Cardholder agreement: yes
- Terms and conditions: yes
- Terms with version or date: yes
Sources last checked 2026-10-28
Licences
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Financial Crimes Enforcement Network (FinCEN)
Source and check
Source
halocard.co
Wording at the source
Halocard LLC is registered with FinCEN as a Money Services Business (BSA ID 31000317046430).
Checked Verified Value wrong? History What does [s] mean? MSB 31000317046430 (US) Register entry
What users report
No community reports evaluated yet.
How the score is made up
61.25 of 100 · average
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-
CostsWeight 25 %17.5 of 25 points
monthly/annual fee, top-up, FX and ATM fees
-
KYC and privacyWeight 20 %7.0 of 20 points
KYC class needed, KYC-free allowance
-
FeaturesWeight 15 %13.9 of 15 points
wallets, physical card, ATM, assets, chains
-
AvailabilityWeight 10 %not scored counts neutral (5.0)
number of countries, EU/US/UK
-
RewardsWeight 10 %not scored counts neutral (5.0)
cashback considering caps and staking requirements
-
TrustWeight 10 %7.8 of 10 points
licences, incidents, company and card age, issuer, ownership, security, transparency
Trust in detail
- LicencesWeight 15 % 60
- 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 % 100
- Incidents (12 months)Weight 15 % 100
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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 Halocard and Halocard, with evidence for every alert.
Changelog
Changes to licences.
Score changed from 60.99 to 61.25.
Changes to licences.
Company name changed from Halocard LLC to Halocard.
Score changed from 61.43 to 61.57.
Changes to KYC levels and requirements.
Score changed from 59.76 to 61.43.
Score changed from 56.43 to 59.76.
Score changed from 53.43 to 56.43.
Changes to licences.
Score changed from 53.25 to 53.43.
Changes to KYC levels and requirements.
Score changed from 53 to 53.25.
Changes to limits.
Changes to KYC levels and requirements.
Score changed from 56 to 53.
Changes to KYC levels and requirements.
Score changed from 53.75 to 56.
Changes to limits.
Changes to KYC levels and requirements.
Apply for Halocard 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.