belo LUX Visa Review 2026
Reviewed by Mihail B. in · · how we verify
Algorithmic score, not user reviews: how it is calculated
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Fees and limits
| Issuance fee | Free; needs at least 25 USD in the belo account to request (a minimum balance, not a charge) |
|---|---|
| Annual fee | Free |
| FX fee | 1% on international purchasesThe fine printPaying in a currency other than USD adds a further conversion charge whose rate belo does not publish, and the Third National card terms allow a non-USD FX fee of up to 3% |
| ATM limit | Not published |
| Spending limit | Up to the value of the balance backing the card; belo and the issuer may set further limits |
Fees change; the current ones are in belo LUX’s terms.
Features
- Custody: Custodial; the card spends the USDT or USDC balance held in the belo app
- KYC: Yes, through the belo account
- Card type: Virtual only
- Top up with: Spends the belo account balance in USDT or USDC; the account is funded by the belo app's own deposit methods, which vary by country
- Available countries: Not published for the LUX card; not available in Venezuela and the other countries on belo's restricted list
Who issues the belo LUX Visa
The belo LUX Visa is issued by Third National (Nimbus LLC), USA; Puerto Rico money transmitter (NMLS #2612780), a subsidiary of Signify Holdings, Inc. ("Rain") per Rain's privacy policy. The issuer is named in the source linked below. "El emisor de este programa de tarjetas es Third National." belo provides access through Gralcey S.A.
Primary source · All cards issued by Third National (Nimbus LLC) · Why the issuer matters
Supported cryptocurrencies
You can load the belo LUX Visa with crypto; the asset we track for it is listed below.
Pros and cons
Pros
- No issuance or maintenance fee
The fine print
- Apple Pay and Google Pay
- Spends USDT or USDC directly for dollar purchases
- Open to Latin Americans outside Argentina
- Issuer named in the terms
- No annual maintenance fee
- Multi-chain top-up across 4+ networks
Cons
- Virtual only
The fine print
- Needs at least 25 USD in the account to request
- 1% fee on international purchases, plus a conversion charge at an unpublished rate when paying in a currency other than USD
- No cash advances under the card terms
- No IBAN or SEPA account
Regional availability
Available in LATAM
Latin America for belo account holders; not available in Venezuela and the other jurisdictions on belo's restricted list.
Banking and fiat rails
Card overview
belo LUX is a second card inside the belo app: a virtual Visa issued by Third National, where belo's other card is an Argentine Mastercard. It spends the same USDT or USDC balance, so there is nothing to move between cards. It is built for dollar purchases. There is no issuance or maintenance fee, but the account needs at least 25 USD before you can request it.
International purchases cost 1%, and a purchase in any currency other than USD adds a further conversion charge whose rate belo does not publish; the Third National card terms allow up to 3%. Unlike the Mastercard it works with Apple Pay as well as Google Pay, and it is open to Latin Americans outside Argentina. belo publishes no country list for the card itself; Venezuela is on the card's restricted list even though belo opens accounts there. No cashback, no published ATM access.
- Best fit
- belo users in Latin America who pay for dollar subscriptions and online shops with stablecoins
- Wrong card if
- you spend mostly in local currency, where the unpublished conversion charge applies, or you need cash
Common questions about the belo LUX Visa
We do not collect user reviews. Answers come from the card terms, the issuer disclosure and the regulator registers we could reach, rechecked on the Data verified date above.
