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by Nocturne

Nocturne Card

No KYC Private & business 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

Illustration Drawn by us from the provider logo and card colours, not the official card picture. Drawn on
Score good of 100

How it is made up ↓Methodology →

To Nocturne

Basicsnocturne-card

Card form
prepaid Source and check Source nocturne.cards Wording at the source Prepaid, so the real answer is: spend what you hold. 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 nocturne.cards Wording at the source A virtual card on real bank rails. Choose your card when you create it. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Card network
not published Source and check Source nocturne.cards Wording at the source NetworksStruck at issuing Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean?
Custody
custodial Source and check Source nocturne.cards Wording at the source Yes. A deposit converts to dollar balance at a rate quoted before you send, and your cards spend from that balance, so there is no second conversion at checkout. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Funding model
fiat balance Source and check Source nocturne.cards Wording at the source Yes. A deposit converts to dollar balance at a rate quoted before you send, and your cards spend from that balance, so there is no second conversion at checkout. 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 nocturne.cards Wording at the source If a purchase is not in dollars, the network converts at its lowest regular rate and our FX markup is 0%. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Usage
personal, business Source and check Source nocturne.cards Wording at the source ### Paid media Ad accounts billed clean. Approvals, not reviews. ### Subscriptions Streaming, memberships and tools, each on its own card. ### Travel Rides, stays and flights. Tap or book online.... Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Limits depend on
account tier Source and check Source nocturne.cards Wording at the source Ceilings are generous and the card's own — the exact figures live on each card's page in your dashboard, and they lift as your volume grows 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 nocturne.cards Wording at the source Mobile walletsGoogle Pay on Shadow and Aurora · Apple Pay on Aurora Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
ATM withdrawals
No Source and check Source nocturne.cards Wording at the source A card is also not a way to move cash. ATM and manual cash withdrawals decline under the closed categories above. 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 nocturne.cards Wording at the source Tap wherever contactless is taken, from checkouts to transit 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 unknown
Shipping not applicable Source and check Source nocturne.cards Wording at the source FormatVirtual, issued in about a minute Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean?
Monthly fee 0.00 USD Source and check Source nocturne.cards Wording at the source No, the monthly fee is $0. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Annual fee unknown
Top-up fee
  • top-up via crypto: 0.49 % Source and check Source nocturne.cards Wording at the source A flat 0.49% on every asset, quoted before you send. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? ↳ Topping up 100.00 USD: 0.49 USD ↳ Topping up 1,000.00 USD: 4.90 USD
Crypto deposit fee unknown
Crypto conversion fee 0 % Source and check Source nocturne.cards Wording at the source Deposits are credited at par minus a flat deposit fee of 0.49% per deposit, the same on every asset. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Minimum conversion unknown
Foreign currency fee 0 % above the network rate Source and check Source nocturne.cards Wording at the source If a purchase is not in dollars, the network converts at its lowest regular rate and our FX markup is 0%. 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 not applicable Source and check Source nocturne.cards Wording at the source A card is also not a way to move cash. ATM and manual cash withdrawals decline under the closed categories above. Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean?
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

  1. No ID

    e-mail, phone or personal details, no ID document

    1. Tier 1 at Nocturne

      from age 18

      Source and check Source nocturne.cards Wording at the source You must be 18 or older. Checked Verified Value wrong? History What does [s] mean?

      Requires: no further documents

LimitsValue
Spending per month only in the app Source and check Source nocturne.cards Wording at the source Prepaid, so the real answer is: spend what you hold. The whole card balance is spendable, with no credit line, no monthly cap of ours and no per-payment cap on the standard cuts. The card networks car... Checked Verified Add this value? No earlier versions What does [s] mean?

KYC: No ID KYC-free according to the provider (limits not published).

When is KYC needed?

  • Risk reviewAfter a risk review at its own discretion, Nocturne may request additional documents such as proof of source of funds. Source and check Source nocturne.cards Wording at the source Where a specific legal obligation, a sanctions match, credible evidence of fraud, or a binding requirement from an issuing institution applies, we or our processor may need to ask you about a particul... 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 unknown

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 BTC, ETH, USDT, USDC, LTC, XMR Source and check Source nocturne.cards Wording at the source Six assets: BTC, ETH, USDT, USDC, LTC, XMR. 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 unknown
Spending order unknown
Fiat top-up unknown

Bonuses and promotions

What Nocturne 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 not published Source and check Source nocturne.cards Wording at the source Cards are issued by licensed partner institutions; Nocturne is not a bank. Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean?
Program manager unknown
Headquarters Available in: United States Source and check Source nocturne.cards Wording at the source Nocturne is operated by Noctavel LLC from the United States. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Support channels email, Telegram Source and check Source nocturne.cards Wording at the source Through support: the Telegram support bot is the fastest line, the channel carries service news, and email works when you prefer it. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?

Issuer

The provider does not name the issuing institution. Source and check Source nocturne.cards Wording at the source Cards are issued by licensed partner institutions; Nocturne is not a bank. Checked Verified

Transparency

Transparency 48 %

2 of 16 key values not published

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

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

67.64 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 %
    98/100
    24.4 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 %
    62/100
    9.3 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 %
    49/100
    4.9 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 % 0
    • OwnershipWeight 10 % not scored
    • Security evidenceWeight 15 % not scored
    • TransparencyWeight 10 % 48
    • 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 Nocturne Card and Nocturne, with evidence for every alert.

What do you want to receive?

You will first get a mail with a confirmation link.

Changelog

  • Changes to limits.

  • Score changed from 67.42 to 67.64.

  • Score changed from 58.7 to 67.42.

  • Score changed from 61.03 to 58.7.

  • Changes to limits.

  • Score changed from 61.13 to 61.03.

  • Changes to limits.

  • Changes to KYC levels and requirements.

  • Score changed from 57.75 to 61.13.

  • Changes to limits.

  • Changes to KYC levels and requirements.

  • Score changed from 53.75 to 57.75.

  • Changes to KYC levels and requirements.

  • New logo.

  • Changes to licences.

Apply for Nocturne 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 Nocturne