MaxSwap Card Review 2026

Long-tail token coverage is the only reason MaxSwap belongs in any consideration set. The Telegram-issued Mastercard supports twenty-plus cryptocurrencies across more than forty chains, including ADA, HBAR, NEAR, TON, and TRX, where most cards stop at USDC and USDT. Everything else about the fee stack is unfavourable. Read the fee structure twice, because operator-published numbers contradict each other. Top-up fee is listed as 5% in one field, 3.5% in another. Per-transaction fee is 0.8% in one place, 0.4% in another. Even using the lower numbers, total cost per swipe sits around 5-6%. Card issuance is a flat $25 with no annual fee. Verification is described as minimal, which is part of the marketing pitch and part of why fees are stacked the way they are. Virtual only, no ATM. No IBAN or SEPA. Apple Pay or Google Pay support is described as expected rather than confirmed. The two contradictory fee schedules are the real verdict: when an operator can't agree with itself whether your swipe costs 4.3% or 5.8%, the only users this card actually works for are long-tail token holders with no cheaper rail to spend through.