# Kem Card

by Kem · checked 29 Oct 2026 · updated 29 Oct 2026

Website: [kemapp.io](https://kemapp.io)

## Facts

- Kem Card is a Visa debit card from Kem.
- Kem Card has no monthly fee.
- Kem Card has no annual fee.
- A virtual card costs 0.00 USD, a physical card 0.00 USD.
- Payments in foreign currencies cost 3 %.
- The card works with Apple Pay.
- Base cashback is 2 %.
- Custody: custodial.
- Supported assets: USDT.
- Top-up networks: Ethereum, Polygon, Arbitrum, Optimism.
- Issuer / BIN sponsor: Third National.
- The aTM fee is only shown in the app.

## Basics

| Attribute | Value | Applies to | Source |
| --- | --- | --- | --- |
| Card form | debit |  | kemapp.io (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Card types | virtual, physical |  | kemapp.io (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Card network | Visa |  | kemapp.io (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Custody | custodial |  | kemapp.io (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Funding model | stablecoin balance |  | kemapp.io (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Card currencies | USD |  | kemapp.io (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Usage | personal |  | kemapp.io (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Limits depend on | unknown |  |  |
| Cards per account | unknown |  |  |
| Mobile wallets | Apple Pay |  | kemapp.io (checked 29 Oct 2026 · verified 29 Oct 2026) |
| ATM withdrawals | Yes |  | kemapp.io (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Contactless | Yes |  | kemapp.io (checked 29 Oct 2026 · verified 29 Oct 2026) |

## Fees and cashback

| Attribute | Value | Applies to | Source |
| --- | --- | --- | --- |
| **Fees** |  |  |  |
| Virtual card issuance | 0.00 USD |  | kemapp.io (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Physical card issuance | 0.00 USD |  | kemapp.io (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Shipping | unknown |  |  |
| Monthly fee | 0.00 USD |  | kemapp.io (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Annual fee | 0.00 USD |  | kemapp.io (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Top-up fee | unknown |  |  |
| Crypto deposit fee | unknown |  |  |
| Crypto conversion fee | unknown |  |  |
| Minimum conversion | unknown |  |  |
| Foreign currency fee | 3 % |  | kemapp.io (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Minimum FX fee | unknown |  |  |
| ATM fee | only in the app |  | kemapp.io (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Merchant-specific fee | unknown |  |  |
| Declined payment fee | unknown |  |  |
| Refund fee | unknown |  |  |
| Inactivity fee | unknown |  |  |
| Minimum monthly spend | unknown |  |  |
| Inactivity rule | The account remains active after a long period without use; no inactivity period is specified. |  | kemapp.io (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Card replacement | not published |  | kemapp.io (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Plan waivers | unknown |  |  |
| **Cashback & rewards** |  |  |  |
| Cashback | 2–5 % |  | kemapp.io (checked 29 Oct 2026 · verified 29 Oct 2026) |

## KYC and limits

KYC: Full verification

### Full verification

- KYC verified at Kem — Requires: Name and date of birth, Address, ID document, Selfie / liveness, Proof of address, Source of funds — kemapp.io (checked 29 Oct 2026 · verified 29 Oct 2026)

### When is KYC needed?

- For high volumes, Kem may request additional documents such as proof of source of funds. — kemapp.io (checked 29 Oct 2026 · verified 29 Oct 2026)
- After a risk review at its own discretion, Kem repeats the identity verification. — kemapp.io (checked 29 Oct 2026 · verified 29 Oct 2026)
- For a single transaction above 10,000 USD, Kem may request additional documents such as proof of source of funds. — kemapp.io (checked 29 Oct 2026 · verified 29 Oct 2026)

## Availability

| Attribute | Value | Applies to | Source |
| --- | --- | --- | --- |
| Available in | unknown |  |  |
| ↳ by residence | Not available in 17 countries and regions |  | kemapp.io (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Residency requirement | Applicants must attest that they are not United States citizens and that they are signing up for a card intended for those outside of the United States. |  | kemapp.io (checked 29 Oct 2026 · verified 29 Oct 2026) |

| Country | Available |
| --- | --- |
| Germany | available |
| Austria | available |
| Switzerland | available |
| United States | available |
| United Kingdom | available |
| France | available |
| Spain | available |
| Italy | available |
| Netherlands | available |
| Türkiye | not available |
| Brazil | available |
| Nigeria | available |
| India | not available |
| United Arab Emirates | available |
| Singapore | available |

## Crypto

| Attribute | Value | Applies to | Source |
| --- | --- | --- | --- |
| Supported assets | USDT |  | kemapp.io (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Number of supported assets | unknown |  |  |
| Top-up networks | Ethereum, Polygon, Arbitrum, Optimism |  | kemapp.io (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Spending order | USDT is the primary spending currency; USD, gold, and other crypto balances must be converted to USDT before card spending. |  | kemapp.io (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Fiat top-up | Yes |  | kemapp.io (checked 29 Oct 2026 · verified 29 Oct 2026) |

## Trust

| Attribute | Value | Applies to | Source |
| --- | --- | --- | --- |
| Issuer / BIN sponsor | Third National |  | kemapp.io (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Program manager | unknown |  |  |
| Headquarters | unknown |  |  |
| Support channels | email |  | kemapp.io (checked 29 Oct 2026 · verified 29 Oct 2026) |

## Company and trust

### Issuer

- Third National (United States)
- Registered name: Nimbus LLC
- Issues 18 card programmes in our catalogue

### Transparency

- Transparency 71 %
- 1 of 17 key values not published
- Imprint / company details: no
- Public fee schedule: yes
- Cardholder agreement: no
- Terms and conditions: yes
- Terms with version or date: yes
- Sources last checked 2026-10-29

## How the score is made up

56.89 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.

| Criterion | Weight | Part (0–100) | Points |
| --- | --- | --- | --- |
| Costs | 25 % | 67 | 16.7 |
| KYC and privacy | 20 % | 0 | 0.0 |
| Features | 15 % | 75 | 11.3 |
| Availability | 10 % | 97 | 9.7 |
| Rewards | 10 % | 65 | 6.5 |
| Trust | 10 % | 78 | 7.8 |
| Community | 10 % | not scored | counts with the median (5.0) |

## Changelog

- 29 Oct 2026: Score changed from 55.22 to 56.89.
- 29 Oct 2026: Score changed from 58.99 to 55.22.
- 29 Oct 2026: Score changed from 49.37 to 58.99.
- 29 Oct 2026: Changes to KYC levels and requirements.
- 29 Oct 2026: Score changed from 48.67 to 49.37.
- 29 Oct 2026: Changes to KYC levels and requirements.
- 29 Oct 2026: Score changed from 47.16 to 48.67.
- 29 Oct 2026: New card image.
- 29 Oct 2026: Score changed from 46.7 to 47.16.
- 29 Oct 2026: Changes to KYC levels and requirements.
- 29 Oct 2026: New logo.
- 29 Oct 2026: Score changed from 45.1 to 46.7.
- 29 Oct 2026: Changes to KYC levels and requirements.
- 29 Oct 2026: Score changed from 52.55 to 45.1.
- 29 Oct 2026: Changes to KYC levels and requirements.
- 29 Oct 2026: Changes to licences.

Found an error or a missing value? Report it with a source: https://cryptocardss.com/en/kem-card/report-an-error/

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- **Canonical URL:** https://cryptocardss.com/en/kem-card/
- **As of:** 29 Oct 2026
- **Data licence:** CC BY 4.0 (https://creativecommons.org/licenses/by/4.0/)

Please cite: Source: cryptocardss.com (cryptovss), as of 29 Oct 2026, https://cryptocardss.com/en/kem-card/