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by SiraPay

SiraPay Card

KYC: No ID KYC and limits

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 sirapays.com Retrieved on Logos and card pictures are trademarks of their owners and are shown for identification only.
Score average of 100

How it is made up ↓Methodology →

To SiraPay

Basicssirapay-card

Card form
prepaid Source and check Source sirapays.com Wording at the source Then create a card, top it up from your wallet and pay online like any Visa card. 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 sirapays.com Wording at the source - Create a card in minutes and use it at any online checkout that accepts Visa or Mastercard. - Copy the card number, expiry date and CVV. There is no plastic to wait for. - Top up with crypto or a su... 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 sirapays.com Wording at the source Every card is privacy-first and runs on Visa. New users get a launch discount with the code for each card. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Custody
custodial Source and check Source sirapays.com Wording at the source ### Licensed partners Funds are held securely with licensed financial providers. SiraPay does not hold your funds directly. 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 sirapays.com Wording at the source Virtual cards act as a bridge between your crypto wallet and global merchants. Platforms like SiraPay allow users to convert USDT into usable virtual payment cards for seamless transactions. 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 sirapays.com Wording at the source FX feeOn payments in a currency other than USD.1.5% 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 sirapays.com Wording at the source ### Freelancers Client payments, tool subscriptions, and personal spending don't have to live on one card. Open a dedicated SiraPay card for each client or project, so your books stay clean and nothi... Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Limits depend on
unknown
Cards per account
unknown
Mobile wallets
unknown
ATM withdrawals
No Source and check Source sirapays.com Wording at the source ## ATM withdrawals For the SiraPay physical card, which is coming soon. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Contactless
unknown

Fees and cashback

AttributeValue
Fees
Virtual card issuance only in the app Source and check Source sirapays.com Wording at the source Virtual cardCheck the app Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean?
Physical card issuance unknown
Shipping not applicable Source and check Source sirapays.com Wording at the source Physical cardComing soon 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 unknown
Top-up fee only in the app Source and check Source sirapays.com Wording at the source Card top-up feeCheck the app Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean?
Crypto deposit fee unknown
Crypto conversion fee unknown
Minimum conversion unknown
Foreign currency fee 1.5 % Source and check Source sirapays.com Wording at the source 1.5% 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 2 % + 2.00 USD Source and check Source sirapays.com Wording at the source ATM withdrawal handling fee$2 + 2% 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: 6.00 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 not applicable Source and check Source sirapays.com Wording at the source ### Does SiraPay offer cashback? No. SiraPay does not offer cashback. Every new account gets a $2 welcome bonus, and the tasks to unlock it are shown in the app. Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean?

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. Standard registration at SiraPay

      from age 18

      Source and check Source sirapays.com Wording at the source ## 1. Eligibility You must be at least 18 years old (or the minimum legal age in your jurisdiction) to use SiraPay. By using our Services, you represent and warrant that you meet this requirement and... Checked Verified Value wrong? No earlier versions What does [s] mean?

      Requires: E-mail, Phone number, Name and date of birth, Address

LimitsValue
Top-up per transaction only in the app Source and check Source sirapays.com Wording at the source Minimum card top-upCheck the app 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?

  • High volumeFor high volumes, SiraPay may request additional documents such as proof of source of funds. Source and check Source sirapays.com Wording at the source - For larger deposits, we may request additional identity verification in line with applicable AML requirements. 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 No fixed address is requested during onboarding. Source and check Source sirapays.com Wording at the source Moving countries every few months means most banks won't even let you open an account — they want a fixed address you don't have. SiraPay doesn't ask for one. Fund a card from crypto and it works the... 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 unknown
Number of supported assets unknown
Top-up networks unknown
Spending order not applicable Source and check Source sirapays.com Wording at the source Then create a card, top it up from your wallet and pay online like any Visa card. Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean?
Fiat top-up Yes Source and check Source sirapays.com Wording at the source - Fund your way: top up with crypto or a supported fiat method, with 24/7 in-app support Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?

Bonuses and promotions

What SiraPay 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 Standard Chartered Bank Source and check Source sirapays.com Wording at the source Card issuance is provided by Standard Chartered Bank, pursuant to a license from Visa. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Program manager unknown
Headquarters Available in: United Kingdom Source and check Source sirapays.com Wording at the source Registered Office: 124 City Road, London, United Kingdom. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Support channels chat, email Source and check Source sirapays.com Wording at the source Our team replies 24/7 with live chat in the app. Chat with us in the appor email [email protected] Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?

Issuer

Standard Chartered Bank Source and check Source sirapays.com Wording at the source Card issuance is provided by Standard Chartered Bank, pursuant to a license from Visa. Checked Verified 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

Licences

No licences captured yet.

What users report

No community reports evaluated yet.

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.

Methodology and weights
  1. CostsWeight 25 %
    23/100
    5.6 of 25 points

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

  2. KYC and privacyWeight 20 %
    53/100
    10.5 of 20 points

    KYC class needed, KYC-free allowance

  3. FeaturesWeight 15 %
    50/100
    7.5 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 %
    100/100
    10.0 of 10 points

    cashback considering caps and staking requirements

  6. TrustWeight 10 %
    66/100
    6.6 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 % 44
    • OwnershipWeight 10 % not scored
    • Security evidenceWeight 15 % not scored
    • TransparencyWeight 10 % 47
    • 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 SiraPay Card and SiraPay, 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 48.75 to 50.21.

  • Score changed from 39.61 to 48.75.

  • Score changed from 39.6 to 39.61.

  • Changes to limits.

  • Changes to KYC levels and requirements.

  • Score changed from 39.09 to 39.6.

  • Changes to KYC levels and requirements.

  • Score changed from 39.08 to 39.09.

  • New card image.

  • Score changed from 53 to 39.08.

  • Score changed from 52.33 to 53.

  • Changes to licences.

Apply for SiraPay 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 SiraPay