Kemy 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
Get Kemy CardPartner link. We may earn a commission, which never affects the rating or where this card ranks.
Card Overview
Kemy reads as a B2B expense product wearing consumer clothing. Look at the cost stack first: $250 for a physical card, $10 a month, 8% top-up fee on every crypto deposit. For a normal consumer that wipes out savings before the first swipe. The use case the operators actually built for is agencies and remote teams paying contractors across a global footprint, excluding only US-sanctioned countries. Multi-currency virtual accounts (EUR SEPA, USD wire, GBP, MXN, BRL) and roughly two-minute Sumsub KYC let an ops team issue cards in bulk. Unlimited virtual cards per account is genuinely rare. No cashback program of any kind. Funding rails cover both crypto and mobile money, which makes operational sense for distributed teams paying in fragmented local currencies. Best fit: ops teams that need fast multi-region issuance and can amortise the $250 unit cost across many contractors. Wrong card if you're treating it as a personal card or expecting reward economics to offset the upfront cost.
This is a Visa crypto card. This is a Mastercard crypto card. Available in Europe. Available in the UK.
Fees & Limits
| Issuance Fee | Virtual $15/card; Physical $250 (DHL shipping included) |
|---|---|
| Annual Fee | Physical: $10/month |
| FX Fee | 8% crypto top-up fee |
| ATM Limit | Physical card: varies, high limits available |
| Spending Limit | Virtual: $100000/month; Physical: up to $50000/day |
These figures can change. Confirm the current fees, FX and network in Kemy’s official terms before you apply.
Features
- Card Type: Virtual + Physical
- Top up with: BTC, ETH, USDT, USDC and major cryptocurrencies
- Available Countries: Afghanistan, Albania, Algeria, Andorra, Angola, Antigua and Barbuda, Argentina, Armenia, Australia, Austria, Azerbaijan, Bahamas, Bahrain, Bangladesh, Barbados, Belarus, Belgium, Belize, Benin, Bhutan, Bolivia, Bosnia and Herzegovina, Botswana, Brazil, Brunei, Bulgaria, Burkina Faso, Cape Verde, Cambodia, Cameroon, Canada, Chad, Chile, Colombia, Comoros, Costa Rica, Cote d'Ivoire, Croatia, Cyprus, Czechia, Denmark, Djibouti, Dominica, Dominican Republic, Ecuador, Egypt, El Salvador, Equatorial Guinea, Eritrea, Estonia, Eswatini, Ethiopia, Fiji, Finland, France, Gabon, Gambia, Georgia, Germany, Ghana, Greece, Grenada, Guatemala, Guinea, Guinea-Bissau, Guyana, Haiti, Honduras, Hungary, Iceland, India, Indonesia, Iraq, Ireland, Israel, Italy, Jamaica, Japan, Jordan, Kazakhstan, Kenya, Kiribati, Kosovo, Kuwait, Kyrgyzstan, Laos, Latvia, Lebanon, Lesotho, Liberia, Libya, Liechtenstein, Lithuania, Luxembourg, Madagascar, Malawi, Malaysia, Maldives, Mali, Malta, Marshall Islands, Mauritania, Mauritius, Mexico, Micronesia, Moldova, Monaco, Mongolia, Montenegro, Morocco, Mozambique, Myanmar, Namibia, Nauru, Nepal, Netherlands, New Zealand, Nicaragua, Niger, Nigeria, North Macedonia, Norway, Oman, Pakistan, Palau, Panama, Papua New Guinea, Paraguay, Peru, Philippines, Poland, Portugal, Qatar, Romania, Russia, Rwanda, Saint Kitts and Nevis, Saint Lucia, Saint Vincent and the Grenadines, Samoa, San Marino, Sao Tome and Principe, Saudi Arabia, Senegal, Serbia, Seychelles, Sierra Leone, Singapore, Slovakia, Slovenia, Solomon Islands, South Africa, South Korea, South Spain, Sri Lanka, Suriname, Sweden, Switzerland, Taiwan, Tajikistan, Tanzania, Thailand, Timor-Leste, Togo, Tonga, Trinidad and Tobago, Tunisia, Turkey, Turkmenistan, Tuvalu, Uganda, Ukraine, United Arab Emirates, United Kingdom, United States, Uruguay, Uzbekistan, Vanuatu, Vatican City, Venezuela, Vietnam, Yemen, Zambia, Zimbabwe
Banking & Fiat Rails
Advertised but not yet live: dedicated EUR/USD/GBP/MXN/BRL account numbers are marketed, but Kemy's own pricing page marks these bank-transfer rails 'pricing published at launch' — the only live funding method today is crypto or mobile money (8% fee)
Who issues the Kemy Card
Our issuer directory has no verified entry for the Kemy Card yet, so the bank behind it is not confirmed here even where the card's own terms name one. Around a quarter of the cards we track are in the same position. See our BIN-sponsor research for why disclosure varies and what it means for you.
Supported Cryptocurrencies
You can load the Kemy Card with crypto; the 4 assets we track for it are listed below. When you pay, the card converts crypto to local fiat automatically.
Networks & deposit details: BTC, ETH, USDT, USDC, SOL (10+ cryptocurrencies) + mobile money
Who Is the Kemy Card Best For?
The Kemy Card is a good fit for crypto holders who want a simple way to spend their coins without managing wallets by hand.
It lets you spend crypto at millions of merchants without converting everything to fiat first.
The card is currently available in Global except US-sanctioned countries, so it works for residents and travellers in those areas.
Best for
- People who want a straightforward, app-managed crypto card
- European users within EEA countries
Avoid if
- You want a card that earns cashback
- You need full non-custodial control of your funds
- You're a US resident (this card doesn't support US users)
- You need traditional bank integration (IBAN, SEPA, direct debits)
Compare the Kemy Card side-by-side with alternatives using the full card listing or explore our Visa crypto cards category.
Pros & Cons
Pros
- Unlimited virtual card creation; very high spending limits ($100k/month virtual); global acceptance
- Works wherever Visa is accepted worldwide
- Available in most countries
- Virtual card ready right away, no shipping wait
Cons
- Extremely high fees (8% crypto top-up + $10 monthly physical); $250 physical card fee; no rewards
- Does not offer cashback or rewards
- Card issuance fee: Virtual $15/card; Physical $250 (DHL shipping included)
- Annual fee: Physical: $10/month
- Custodial: the issuer holds your funds
- Full KYC required, no anonymous tier
How to Get the Kemy Card
Here is what the sign-up process looks like, from application to first purchase.
Create your Kemy account
A few minutesGo to the Kemy website or download the app.
Complete identity verification
Varies by issuerKemy 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 BTC, ETH, USDT, USDC and major cryptocurrencies through the funding screen.
Start spending immediately
InstantYour virtual Kemy Card shows up in the Kemy app right away. Use it online or add it to Apple Pay / Google Pay for tap-to-pay in stores.
Requirements
Regional Availability
Available Worldwide
The Kemy Card is available in most countries. Some places may be excluded because of local financial regulations, so check the Kemy website to confirm before you apply.
Available in these regions:
Common questions about the Kemy Card
What are the fees for the Kemy Card?
Is the Kemy Card legit, and who is behind it?
Is the Kemy Card worth it?
Where is the Kemy Card available?
What cryptocurrencies does the Kemy Card support?
What are the Kemy Card's ATM and spending limits?
Similar Cards Worth Comparing
