Lemon 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 |
|---|---|
| Annual fee | Free |
| FX fee | Paying from pesos, USDC is bought at 3.5% above the app quote plus a 0.5% feeThe fine print
|
| ATM limit | No ATM withdrawals; cash back at participating Argentine merchants up to ARS 50,000 a day |
| Spending limit | Up to ARS 12,000,000 a day in Argentina, set by the user in the app; monthly limit shown in the app |
Fees change; the current ones are in Lemon’s terms.
Features
- Cashback: Up to 2%
The fine print
- Argentina: 2% in BTC when paying with digital dollars or another asset, where a 0.5% fee applies at payment
- 0.25% in BTC when paying in pesos since 1 September, down from 0.5%
- Payments over ARS 10,000 also earn tickets for monthly prize draws
- Colombia: 0.4% back in dollars
- KYC: Yes
- Card type: Virtual + Physical
- Top up with: Pesos by bank transfer to the Lemon CVU in Argentina
Full list
- PSE and ACH in Colombia
- Interbank transfers in soles in Peru
- Crypto deposits
- Euros by SEPA through a virtual account from provider NOAH
- Available countries: Argentina, Peru, Colombia
Who issues the Lemon Card
Lemon Card does not name its issuer outright, and on the documents we could reach, the sponsor appears to be Pomelo S.A., Argentina (BaaS, multi-LatAm), inferred from the program manager and not stated by the issuer itself. AR + PE.
Primary source · All cards issued by Pomelo S.A. · Why the issuer matters
Supported cryptocurrencies
Full list
- PSE and ACH in Colombia
- Interbank transfers in soles in Peru
- Crypto deposits
- Euros by SEPA through a virtual account from provider NOAH
Pros and cons
Pros
- Free prepaid Visa, virtual and physical
The fine print
- 2% BTC cashback when paying with crypto in Argentina
- Foreign purchases skip the 30% income-tax perception
- Cash back at Argentine merchants
- No card issuance fee
- No annual maintenance fee
- Banking rails: IBAN / SEPA support
Cons
- Argentine card needs an Argentine ID
The fine print
- Paying abroad from pesos costs 0.5% plus a USDC price 3.5% above the app quote
- Peso cashback cut to 0.25% and capped at ARS 30,000 a month
- No cashback on foreign-currency purchases
- No ATM withdrawals
- No Apple Pay or Google Pay
Regional availability
Available in Latin America
The Lemon Card is available in Latin America: Argentina, Peru, Colombia.
Banking and fiat rails
The fine print
- Optional virtual euro account with an IBAN from provider NOAH for incoming SEPA transfers, which arrive as USDC (USD 4 to open, then yearly, and 1.5% per deposit)
- No SWIFT
Card overview
Lemon Cash is the Argentine fintech that launched in 2019, and the card is its consumer crypto-spending arm. Free prepaid Visa, physical or virtual, issued in Argentina, Peru and Colombia, with strongest distribution in Argentina. There, the cashback depends on what you pay with: 2% in BTC when you pay with digital dollars or another asset, which carries a 0.5% fee at payment, and 0.25% when you pay in pesos (0.5% until 31 August 2026); payments over ARS 10,000 also earn tickets for monthly prize draws. Colombia pays 0.4% back in dollars.
CVU (Argentina's account-routing rail) is included, and an optional euro account with an IBAN from the provider NOAH takes SEPA transfers in, which arrive as USDC for USD 4 a year and 1.5% per deposit. Paying abroad from pesos costs more than it looks: Lemon buys USDC at 3.5% above the app quote plus a 0.5% fee, though the card skips Argentina's 30% income-tax perception. There are no ATM withdrawals, only cash back at participating Argentine merchants, and no Apple Pay or Google Pay.
Top-up reaches BTC over Lightning and Rootstock, BNB Chain, and 16+ other deposit networks for USDT/USDC/DAI/ETH. Worth signing up if you already use Lemon Cash for peso-to-crypto flow in Argentina and pay from crypto. Skip if you live outside those three countries or mostly spend pesos abroad.
Common questions about the Lemon 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.
