Keytom 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 card free; physical card 50 USDC delivery |
|---|---|
| Annual fee | 10 USDC monthly per card; 20 USDC a month with both cards active |
| FX fee | 2.35% on non-USD card payments and 1% on USD payments, minimum 0.66 USDC per payment |
| ATM limit | Physical card: 3 withdrawals and $3,000 per day, 30 withdrawals and $10,000 per month, $100,000 per yearThe fine printFee 2% in USD, 3.35% in other currencies, minimum 0.66 USDC |
| Spending limit | Soft limit of about $150,000 per transaction; no fixed cap on transaction count or monthly card spend |
Fees change; the current ones are in Keytom’s terms.
Features
- KYC: Yes
- Card type: Virtual + Physical
- Top up with: Card spends from a USDC balance: top up by card via Visa Direct, add USDC directly, or convert EUR or crypto held in Keytom into USDC
- Available countries: Hong Kong
Who issues the Keytom Card
Our issuer directory has no verified entry for the Keytom 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 Keytom Card with crypto; the asset we track for it is listed below.
Pros and cons
Pros
- Soft limit of about $150,000 per transaction
The fine print
- Named EUR IBAN on the same account
- Credit BIN works at hotels and car rentals
- Virtual card free to open
- Crypto insured up to $100M via Fireblocks
- No card issuance fee
Cons
- Card products limited to Hong Kong residents by the site's own notice
The fine print
- $10 monthly fee per card
- 1% fee on USD payments and 2.35% on other currencies
- $50 physical card delivery
- No Apple Pay
- No cashback
- Annual fee: 10 USDC monthly per card
- FX fee: 2.35% on foreign-currency spend
Regional availability
Available in Hong Kong
The Keytom Card is available in Hong Kong.
Banking and fiat rails
Card overview
Keytom is a Visa card wired to a crypto account you hold on Keytom's platform, not in your own wallet: BTC, ETH, USDC and others sit there, the card spends a USDC balance, and a single purchase can go up to about $150,000. Read its two reaches separately. The account, with a named EUR IBAN and USD rails, is open to residents of 150+ countries, but the jurisdiction notice on keytom.com/card says the card itself is intended solely for Hong Kong residents, even though the same page shows a fee table for every country of residence.
The card costs 10 USDC a month (20 with both a virtual and a physical card), and nothing here earns it back. There is no cashback and no Apple Pay, and every payment pays 1% in USD or 2.35% in another currency, each with a 0.66 USDC minimum. ATM use adds 2% (USD) or 3.35% (non-USD), within $3,000 a day and $10,000 a month. The virtual card is free; the physical one costs 50 USDC for delivery.
Holdings stay on-platform, not in self-custody, and Keytom self-reports a $100M insurance programme (Fireblocks, Marsh, Munich Re); KYC is mandatory. The operator, Keytom Services Ltd, is a FINTRAC-registered MSB in British Columbia, and the card issuer is not named.
- Best fit
- Hong Kong residents who spend mainly in dollars and want one account that holds crypto behind a high-limit Visa
- Wrong card if
- you live outside Hong Kong, spend little, want cashback, or need self-custody
Common questions about the Keytom 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.
What are the fees for the Keytom Card?
Is the Keytom Card legit, and who is behind it?
Is the Keytom Card worth it?
Where is the Keytom Card available?
What cryptocurrencies does the Keytom Card support?
What are the Keytom Card's ATM and spending limits?
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