Eversend Card Review 2026
Last reviewed · against issuer documentation
How this rating is calculated · Algorithmic score, not user reviews
Independently reviewed by Mihail B. · how we verify
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Card Overview
Built for African mobile-money users. The card is a virtual Mastercard prepaid only, no physical option. Mobile-money top-up is live in Ghana, Kenya, Rwanda, and Uganda, with Visa/Mastercard top-ups in 15+ currencies layered on. KYC region covers six African markets including Nigeria and Tanzania, so those users can hold the card even where mobile-money funding isn't enabled. Issuance is free. Pick either $1/month maintenance or a one-shot $3 lifetime fee. FX runs up to 3.5% on non-USD transactions, plus $0.50 per international payment when the country of origin isn't the US. No cashback. Daily spend ceiling is $2,000. No ATM access because the card is virtual only. Apple Pay works. Google Pay isn't disclosed. The real reason a freelancer in Lagos or Kampala picks this over a local bank: Eversend pairs the card with USD and EUR virtual collection accounts for receiving cross-border payments. That's the product. Worth it for African freelancers paid in USD who need a virtual spend rail compatible with mobile-money funding. Skip if you need ATM access or live outside the six supported markets.
Eversend Card is a virtual Mastercard prepaid card from Africa's leading multi-currency fintech, serving Ghana, Kenya, Rwanda, Uganda, Nigeria, and Tanzania. Fund via mobile money or debit/credit card, spend globally with Apple Pay integration. Designed for African diaspora and cross-border payments.
This is a Visa crypto card. This is a Mastercard crypto card.
Fees & Limits
| Issuance Fee | Free |
|---|---|
| Annual Fee | $1/month maintenance on active virtual card. |
| FX Fee | 3.5% cross-border/FX fee on non-USD. |
| ATM Limit | Not available (virtual card only) |
| Spending Limit | $2,000/day |
These figures can change. Confirm the current fees, FX and network in Eversend’s official terms before you apply.
Features
- Card Type: Virtual only
- Top up with: Mobile money (Ghana, Kenya, Rwanda, Uganda); Visa/Mastercard debit/credit cards in 15+ currencies
- Available Countries: Ghana, Kenya, Rwanda, Uganda, Nigeria, Tanzania
Banking & Fiat Rails
No IBAN/SEPA (African markets); virtual USD/EUR collection accounts for receiving; no SWIFT for card
Supported Cryptocurrencies
You can load the Eversend Card with several cryptocurrencies. When you pay, the card converts crypto to local fiat automatically.
Networks & deposit details: BTC, ETH, USDT and other supported coins to generated deposit address, then converted to fiat
Supported assets: Mobile money (Ghana, Kenya, Rwanda, Uganda); Visa/Mastercard debit/credit cards in 15+ currencies
Who Is the Eversend Card Best For?
The Eversend Card is a good fit for holders who want their balance to keep earning while it sits on the card.
It lets you spend crypto at millions of merchants without converting everything to fiat first.
The card is currently available in Africa, so it works for residents and travellers in those areas.
Best for
- People who want a straightforward, app-managed crypto card
Avoid if
- You want a card that earns cashback
- You need full non-custodial control of your funds
- You need traditional bank integration (IBAN, SEPA, direct debits)
- You want a card backed by government deposit insurance (FDIC / FSCS)
Compare the Eversend Card side-by-side with alternatives using the full card listing or explore our Visa crypto cards category.
Pros & Cons
Pros
- Africa-focused fintech; Apple Pay; multi-currency wallet; mobile money support; low entry barrier
- No card issuance fee
- Works wherever Visa is accepted worldwide
- Virtual card ready right away, no shipping wait
Cons
- Virtual only; 3.5% FX + $0.50 per tx; 6 African countries only; no cashback; no ATM
- Annual fee: $1/month maintenance on active virtual card.
- Custodial: the issuer holds your funds
- Only available in certain regions
- Full KYC required, no anonymous tier
- No IBAN or bank account, prepaid only
How to Get the Eversend Card
Here is what the sign-up process looks like, from application to first purchase.
Create a Eversend account
A few minutesGo to the Eversend website or download the app. Sign up with your email, pick a password, and accept the terms.
Complete identity verification
Varies by issuerEversend runs standard KYC: a government-issued photo ID and usually a selfie. Processing time varies by issuer and load.
Fund your card
Usually instantLoad your card with Mobile money (Ghana, Kenya, Rwanda, Uganda); Visa/Mastercard debit/credit cards in 15+ currencies through the funding screen. When you make a purchase, your crypto converts to local fiat at the current rate.
Start spending immediately
InstantYour virtual Eversend Card shows up in the Eversend app right away. Use it online or add it to Apple Pay / Google Pay for tap-to-pay in stores.
Requirements
Regional Availability
Available in Africa
The Eversend Card is currently available in Africa. Some countries may be excluded, so confirm on the issuer's website before applying.
Common questions about the Eversend Card
What are the fees for the Eversend Card?
Where is the Eversend Card available?
What are the Eversend Card's ATM and spending limits?
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