MaxSwap 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 | 50 USD for the Visa card, 45 USD for the AI Card, 85 USDT for the Premium Card with ATM; each also needs a 25 USD first deposit |
|---|---|
| Annual fee | None |
| FX fee | 0.6% conversion fee when settlement is not in USD, plus 0.4% per successful transaction |
| ATM limit | Premium Card with ATM only: up to $750 per day and $250 per withdrawal, at NFC ATMs |
| Spending limit | $50,000 per transaction; $200,000 per day; $2,000,000 per month; $200,000 maximum card balance |
Fees change; the current ones are in MaxSwap’s terms.
Features
- Network: Visa Prepaid + Mastercard Prepaid
- KYC: Optional: a no-KYC tier is available
- Card type: Virtual only
- Top up with: Paid from a MaxSwap crypto wallet: ADA, ALGO, AVAX, BCH, BNB, BTC, DOT, ETH, HBAR, HT, KRRX, LINK, LTC, MATIC, NEAR…
Full list
- … SHIB, SUSHI, TON, TRX, UNI, USDC, USDT, XLM, XRP
- Top-up fee 4.5% plus $1
- 10 USD minimum, 5,000 USD maximum per top-up
- Available countries: Global
Full list
Blocked for payments in the currencies of Afghanistan, Belarus, Cuba, Iran, North Korea, Syria, Venezuela, Russia, Myanmar, Somalia, Yemen and occupied regions of Ukraine
Who issues the MaxSwap Card
Our issuer directory has no verified entry for the MaxSwap 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 MaxSwap Card with crypto; the 12 assets we track for it are listed below.
The fine print
Card loaded from the MaxSwap wallet, which holds 24 listed coins including BTC, ETH, TON, TRX, XRP, USDT and USDC
Pros and cons
Pros
- Card issued inside a Telegram bot in minutes
The fine print
- Three virtual cards for different uses, one with ATM cash
- $50,000 per transaction and $200,000 card balance
- Apple Pay and Google Pay
- No ID check at issuance
- No annual maintenance fee
- No-KYC option with minimal verification
Cons
- Costly to open: 45 to 85 USD plus a 25 USD first deposit
The fine print
- 4.5% top-up fee
- A fee on every payment
- Its own fee pages disagree
- custodial
- Virtual only
- No rewards
- Card issuance fee: 50 USD for the Visa card, 45 USD for the AI Card
- No IBAN or bank account, prepaid only
Regional availability
Available worldwide
The MaxSwap Card is available in most countries.
Banking and fiat rails
Card overview
MaxSwap sells three virtual cards inside a Telegram bot, and all three cost real money to open: $50 for the Visa, $45 for the EUR AI Card issued in Spain, and 85 USDT for the Premium Card, the only one with ATM cash (NFC ATMs, $250 a withdrawal, $750 a day). Each also needs a 25 USD first deposit. What you get for that is the coin list. The MaxSwap wallet that loads the card holds 24 listed coins, including ADA, HBAR, NEAR, TON and TRX, where most cards stop at USDC and USDT.
The running costs are the problem, and the operator's own pages disagree on them. The Virtual Card Policy charges 5% on the creation payment, 4.5% on top-ups, 0.4% per payment and 0.6% more when settlement is not in USD; the FAQ says 4.5% plus $1 per top-up and 0.25 USD plus 0.4% per payment. Budget for the higher figure. Basic cards need no ID check, which is part of the pitch.
Limits are high: $50,000 a transaction and $200,000 a day. Apple Pay and Google Pay work on the Visa and Premium cards, Google Pay only on the AI Card. There is no IBAN and no reward of any kind. The operator is MW Profit Ltd, a UK company whose terms send disputes to the Seychelles.
When an operator can't agree with itself on what a top-up costs, the only users this card suits are holders of long-tail tokens with no cheaper way to spend them.
Common questions about the MaxSwap 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.
