BingX Card 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 (virtual); metal card free for VIP users, $180 for other users (BingX's card guide also waives it for agents); shipping free |
|---|---|
| Annual fee | Free |
| FX fee | BingX's card fee table lists a 1.50% 'Trading Fee' without saying which transactions it applies toThe fine printBingX's card guide says additional foreign-exchange costs may apply to non-USD purchases and publishes no rate |
| ATM limit | Metal card only: $500 a day (up to 5 withdrawals), $5,000 a month; first $200 a month free, then 2% per withdrawal. The virtual card has no ATM access |
| Spending limit | $10,000 per transaction and per day; $30,000 a month |
Fees change; the current ones are in BingX’s terms.
Features
- Cashback: Up to 3%
The fine print
- Virtual card: 2% (spend under $200 a month, capped at $4), 2.5% ($200 to $1,000, cap $25), 3% ($1,000 and up, cap $100), with the tier set by last month's spend
- Metal card: 3% / 4% / 5% (caps $15 / $80 / $150)
- 20% on digital subscriptions (MCC 5817, 5734, 4899, 5815) within the same monthly cap
- Paid in USDT, withdrawable after 3 days
- KYC: Yes
- Card type: Virtual. A premium physical card is announced for general users but not yet released
- Top up with: No separate card balance: the card spends from the BingX Funding Account, funded by USDT deposit, BingX Quick Buy or P2P
- Available countries: Andorra, Belgium, Bulgaria, Croatia, Cyprus, Denmark, Estonia, Finland, Gibraltar, Greece, Hungary, Iceland, Ireland…
Full list
- … Latvia, Lithuania, Luxembourg, Malta, Monaco, Montenegro, Norway, Portugal, Slovakia, Slovenia, Sweden, Switzerland, Taiwan, Australia, New Zealand, Philippines, Thailand, Vietnam, South Korea, Japan, Malaysia, Argentina, Brazil, Chile, Colombia, Ecuador, Mexico, Peru, Israel, Saudi Arabia, United Arab Emirates, Bahrain, Oman, Kazakhstan, Ukraine, Turkey, South Africa, Kenya, Nigeria, Ghana, Uganda, Azerbaijan, Georgia, Marshall Islands, El Salvador, Guernsey, Isle of Man, Jersey, Moldova, Panama, Uzbekistan
- Not available in the US, UK, France, Germany, Italy, Spain, Netherlands, Austria or Poland
Who issues the BingX Card
The BingX Card is issued by Wirex Limited, UK (FCA FRN 902025) (Mastercard Principal Member direct (since July 2020); Visa Principal Member per the Wirex litepaper). The issuer is named in the source linked below. BingX announced this Visa debit card on 10 Jul 2026 as issued by Wirex on Wirex's Visa principal membership, without naming the Wirex entity, and opened it to all eligible users on 11 Sep 2026. The earlier BingX Card was a Euro Mastercard issued by Paytend Europe UAB, unusable from 3 Mar 2026 after Lietuvos bankas revoked Paytend's e-money licence.
Primary source · All cards issued by Wirex Limited · Why the issuer matters
Supported cryptocurrencies
You can load the BingX Card with crypto; the asset we track for it is listed below.
Pros and cons
Pros
- Free virtual card with no annual fee; 2-3% cashback in USDT on the virtual card; 20% back on digital subscriptions; Apple Pay and Google Pay
- No card issuance fee
Cons
- Not available in the US, UK or most large EU countries
The fine print
- 1.5% trading fee in the fee table
- Low monthly cashback caps ($4 at the lowest tier)
- Metal card costs 180 USDT for non-VIP users and is not yet on general release
- Custodial exchange balance
- No IBAN or bank-account features
Regional availability
Available in several regions
Parts of Europe, Asia-Pacific, Latin America, the Middle East, Africa and Central Asia; KYC required; list may change.
Banking and fiat rails
Card overview
This page now describes the card BingX sells today, which is not the one it sold a year ago. The first BingX Card was a Euro Mastercard from Paytend Europe UAB, and it stopped working on 3 March 2026 when the Bank of Lithuania revoked Paytend's licence. The replacement is a Visa debit card issued by Wirex, opened to all eligible users on 11 September 2026. It has no balance of its own: every purchase comes straight out of your BingX Funding Account, so the exchange holds the money you spend.
The virtual card is free and pays 2% to 3% back in USDT, but the caps are small. At the bottom tier you earn at most $4 a month, and the top 3% rate needs $1,000 of spend in the previous month and stops at $100. The 20% on streaming and software subscriptions sits inside the same cap, so it is a nice touch, not a reason to sign up. The country list leaves out the US, the UK and the big eurozone markets.
BingX's fee table shows a 1.50% trading fee without saying which payments it applies to, and its card guide warns of extra foreign-exchange costs on non-USD purchases without giving a rate. The metal card is free for VIP users and $180 for everyone else. If you already keep a balance on BingX and live in one of the listed countries, this is an easy card to add. If you would have to move money onto an exchange to use it, the capped rewards do not pay for that.
Common questions about the BingX Card
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.
