Kemy 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 | Virtual $15/card; Physical $250 (DHL shipping included) |
|---|---|
| Annual fee | Virtual $2 a month; physical $10 a month |
| FX fee | FX not publishedThe fine print
|
| ATM limit | Physical card only: $500 a day, $15,000 a month; ATM fee not published |
| Spending limit | Virtual: $10,000 per transaction, $100,000 maximum balance. Physical: $50,000 a day, $25,000 per transaction, $400,000 maximum balance |
Fees change; the current ones are in Kemy’s terms.
Features
- Network: Visa + Mastercard Prepaid
- KYC: Yes on the web app (Sumsub, Veriff). The @KemyCardBot Telegram bot advertises virtual cards without document checks; we have not verified this
- Card type: Virtual + Physical
- Top up with: Crypto (USDT, USDC, BTC, ETH, SOL and others), mobile money or virtual bank accounts into the main account
Full list
Moving money onto a card costs $1.50 under $100 or 1.25% from $100 (minimum $5 virtual, $10 physical)
- Available countries: No country list published; Kemy says 190+ countries, with restrictions checked at sign-up
Who issues the Kemy Card
Our issuer directory has no verified entry for the Kemy Card yet: a bank goes in only with a source we can cite. 39 of the 141 cards you can still get 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 5 assets we track for it are listed below.
Pros and cons
Pros
- Unlimited virtual Visa or Mastercard cards
The fine print
- High limits on the physical card ($50,000 a day)
- Receiving accounts in five currencies
- Physical card works with Apple Pay, Google Pay and Samsung Pay
- Banking rails: SEPA support
Cons
- 8% on crypto and mobile money deposits
The fine print
- 3.5% + $1 on every virtual card purchase
- $2 a month per virtual card and $10 a month for the physical card
- $250 physical card
- Card top-ups cost another 1.25%
- Failed transactions $0.80
- No rewards
- Card issuance fee: Virtual $15/card
- Annual fee: Virtual $2 a month
Regional availability
Available worldwide
190+ countries; restrictions apply and are checked at sign-up.
Banking and fiat rails
The fine print
The pricing page still lists US virtual accounts and crypto-to-bank payouts as coming soon, with no published price
Card overview
Kemy reads as a B2B expense product wearing consumer clothing. A physical card costs $250 plus $10 a month, every crypto deposit carries an 8% top-up fee, and each purchase on a virtual card pays 3.5% plus $1. For a normal consumer that wipes out savings before the first swipe. The use case the operators built for is agencies and remote teams paying contractors in many countries: Kemy claims 190+, with restrictions checked at sign-up.
Multi-currency virtual accounts (EUR SEPA, USD wire, GBP, MXN, BRL) and Sumsub KYC let an ops team issue cards in bulk. Unlimited virtual cards per account is 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
Common questions about the Kemy 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.
