Meru 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 free; physical $5 plus shipping that varies by country |
|---|---|
| Annual fee | Free |
| FX fee | 1.2% on purchases in currencies other than USDThe fine print
|
| ATM limit | Up to $250 per withdrawal including the ATM operator's charge, three withdrawals a dayThe fine print
|
| Spending limit | $10,000 a day |
Fees change; the current ones are in Meru’s terms.
Features
- KYC: Yes
- Card type: Virtual + Physical
- Top up with: USDC and USDT on Stellar, Polygon, Base, Arbitrum, Solana, Optimism, Monad, Tron, BSC and Ethereum
Full list
- ACH and wire
- SEPA
- SPEI
- PSE and Bre-B
- PIX
- QR Bolivia
- Bank transfer in Argentina, Chile and Peru
- MoneyGram
- Airtm
- Card deposit via Stripe
- All fund the Meru account, which then loads the card
- Available countries: Latin America focus: Mexico, Colombia, Bolivia, Brazil, Argentina; account opening advertised globally with local rails limited to listed markets
Who issues the Meru Card
Meru Card does not name its issuer outright, and on the documents we could reach, the sponsor appears to be Third National (Nimbus LLC), USA; Puerto Rico money transmitter (NMLS #2612780), a subsidiary of Signify Holdings, Inc. ("Rain") per Rain's privacy policy, inferred from the program manager and not stated by the issuer itself. The brand entity is R3mit Solutions Inc., Miami. Meru’s own terms name no issuer.
Primary source · All cards issued by Third National (Nimbus LLC) · Why the issuer matters
Supported cryptocurrencies
You can load the Meru Card with crypto; the 5 assets we track for it are listed below.
The fine print
… the USD balance, at 1% plus a fixed fee of 1 to 10 USD depending on the chain
Pros and cons
Pros
- No monthly fee
The fine print
- Free virtual card
- 0% on USD purchases at US merchants
- No Meru ATM fee
- $10,000 daily spending
- USD account with US ACH and wire plus a European IBAN
- Stablecoin deposits on 10 chains
- PIX, PSE, SPEI and QR Bolivia rails
- No card issuance fee
- No annual maintenance fee
- Multi-chain top-up across 10+ networks
Cons
- No cashback
The fine print
- 1.2% on non-USD purchases and 1% on USD purchases outside the US
- Deposit fees on most rails (ACH $2, wire $15, stablecoins 1% plus a fixed fee, card 5.4% plus $1)
- Issuing bank not named
- ATM withdrawals capped at $250 each, three a day
Regional availability
Available in USA + LATAM
The Meru Card is available in USA + LATAM: Latin America focus: Mexico, Colombia, Bolivia, Brazil, Argentina.
Banking and fiat rails
Card overview
Meru is a Latin American neobank whose Visa card is live and orderable straight from its iOS or Android app, with identity checks handled in-app and residency limited to LATAM. The fee table is now published and tiered: USD purchases at US merchants are free, USD purchases at merchants abroad cost 1%, and other currencies 1.2%. Custody is custodial: the card spends its own USD balance, loaded from the Meru dollar account, and any yield sits in a separate DeFi module with returns Meru does not guarantee.
Top-ups work through USDC and USDT on ten networks, Stellar among them, alongside local rails such as SPEI, PIX, PSE and QR Bolivia, plus US ACH and wire and a European IBAN for SEPA. MoneyGram handles cash-out. It reaches Argentina, Brazil, Chile, Peru, Mexico, Bolivia and Colombia. The cost sits at funding rather than spending: ACH costs $2, a wire $15, a stablecoin deposit 1% plus a fixed fee of 1 to 10 USD, and a card deposit 5.4% plus $1.
Spending is capped at $10,000 a day, and ATM withdrawals at $250 each, three a day, with no Meru fee on top of the operator's. Trustpilot carries real support and balance complaints. No cashback here.
- Best fit
- LATAM freelancers and remittance users who want to hold and spend USD, provided they fund via cheap local rails
- Wrong card if
- you want cashback, live outside LATAM, or spend mostly in currencies other than the dollar
Common questions about the Meru 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.
