# SiraPay Card

by SiraPay · checked 29 Oct 2026 · updated 29 Oct 2026

Website: [sirapays.com](https://www.sirapays.com)

## Facts

- SiraPay Card is a Visa prepaid card from SiraPay.
- Payments in foreign currencies cost 1.5 %.
- ATM withdrawals cost 2 % + 2.00 USD.
- Custody: custodial.
- Issuer / BIN sponsor: Standard Chartered Bank.
- The virtual card issuance is only shown in the app.
- The top-up fee is only shown in the app.

## Basics

| Attribute | Value | Applies to | Source |
| --- | --- | --- | --- |
| Card form | prepaid |  | sirapays.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Card types | virtual |  | sirapays.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Card network | Visa |  | sirapays.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Custody | custodial |  | sirapays.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Funding model | fiat balance |  | sirapays.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Card currencies | USD |  | sirapays.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Usage | personal, business |  | sirapays.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Limits depend on | unknown |  |  |
| Cards per account | unknown |  |  |
| Mobile wallets | unknown |  |  |
| ATM withdrawals | No |  | sirapays.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Contactless | unknown |  |  |

## Fees and cashback

| Attribute | Value | Applies to | Source |
| --- | --- | --- | --- |
| **Fees** |  |  |  |
| Virtual card issuance | only in the app |  | sirapays.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Physical card issuance | unknown |  |  |
| Shipping | not applicable |  | sirapays.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Monthly fee | unknown |  |  |
| Annual fee | unknown |  |  |
| Top-up fee | only in the app |  | sirapays.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Crypto deposit fee | unknown |  |  |
| Crypto conversion fee | unknown |  |  |
| Minimum conversion | unknown |  |  |
| Foreign currency fee | 1.5 % |  | sirapays.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Minimum FX fee | unknown |  |  |
| ATM fee | 2 % + 2.00 USD |  | sirapays.com (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 | unknown |  |  |
| Card replacement | unknown |  |  |
| Plan waivers | unknown |  |  |
| **Cashback & rewards** |  |  |  |
| Cashback | not applicable |  | sirapays.com (checked 29 Oct 2026 · verified 29 Oct 2026) |

## KYC and limits

KYC: No ID

### No ID

- Standard registration at SiraPay — Requires: E-mail, Phone number, Name and date of birth, Address — sirapays.com (checked 29 Oct 2026 · verified 29 Oct 2026)

| Limits | Value |
| --- | --- |
| Top-up per transaction | only in the app |

### When is KYC needed?

- For high volumes, SiraPay may request additional documents such as proof of source of funds. — sirapays.com (checked 29 Oct 2026 · verified 29 Oct 2026)

## Availability

| Attribute | Value | Applies to | Source |
| --- | --- | --- | --- |
| Available in | unknown |  |  |
| Residency requirement | No fixed address is requested during onboarding. |  | sirapays.com (checked 29 Oct 2026 · verified 29 Oct 2026) |

| Country | Available |
| --- | --- |
| 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 |

## Crypto

| Attribute | Value | Applies to | Source |
| --- | --- | --- | --- |
| Supported assets | unknown |  |  |
| Number of supported assets | unknown |  |  |
| Top-up networks | unknown |  |  |
| Spending order | not applicable |  | sirapays.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Fiat top-up | Yes |  | sirapays.com (checked 29 Oct 2026 · verified 29 Oct 2026) |

## Trust

| Attribute | Value | Applies to | Source |
| --- | --- | --- | --- |
| Issuer / BIN sponsor | Standard Chartered Bank |  | sirapays.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Program manager | unknown |  |  |
| Headquarters | Available in: United Kingdom |  | sirapays.com (checked 29 Oct 2026 · verified 29 Oct 2026) |
| Support channels | chat, email |  | sirapays.com (checked 29 Oct 2026 · verified 29 Oct 2026) |

## Company and trust

### Issuer

- Standard Chartered Bank
- Issues 1 card programme in our catalogue

### Transparency

- Transparency 47 %
- 2 of 13 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

## How the score is made up

50.21 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 % | 23 | 5.6 |
| KYC and privacy | 20 % | 53 | 10.5 |
| Features | 15 % | 50 | 7.5 |
| Availability | 10 % | not scored | counts neutral (5.0) |
| Rewards | 10 % | 100 | 10.0 |
| Trust | 10 % | 66 | 6.6 |
| Community | 10 % | not scored | counts with the median (5.0) |

## Changelog

- 29 Oct 2026: Score changed from 48.75 to 50.21.
- 29 Oct 2026: Score changed from 39.61 to 48.75.
- 29 Oct 2026: Score changed from 39.6 to 39.61.
- 29 Oct 2026: Changes to limits.
- 29 Oct 2026: Changes to KYC levels and requirements.
- 29 Oct 2026: Score changed from 39.09 to 39.6.
- 29 Oct 2026: Changes to KYC levels and requirements.
- 29 Oct 2026: Score changed from 39.08 to 39.09.
- 29 Oct 2026: New card image.
- 29 Oct 2026: Score changed from 53 to 39.08.
- 29 Oct 2026: Score changed from 52.33 to 53.
- 29 Oct 2026: Changes to licences.

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

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- **Canonical URL:** https://cryptocardss.com/en/sirapay-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/sirapay-card/