Onboard Card Review 2026
Reviewed by Mihail B. in · · how we verify
Algorithmic score, not user reviews: how it is calculated
Get Onboard CardNot a partner link. We earn nothing from this card; it goes straight to the issuer.
Fees and limits
| Issuance fee | First card free; additional cards $2 each; up to 3 Flex cards |
|---|---|
| Annual fee | Free |
| FX fee | $0.30 + 1.5% on non-USD and cross-border transactions; USD payments free |
| ATM limit | Not available (virtual only) |
| Spending limit | $5,000 per day; $20,000 per month; higher on request |
Fees change; the current ones are in Onboard’s terms.
Features
- KYC: Yes, photo ID required for the Flex card
- Card type: Virtual only
- Top up with: USDT or USDC from an external wallet, local currency NGN, IDR or KES, or another Onboard balance
Full list
- Other crypto via the Trading Wallet
- Funding fee 1.25%, plus $1.25 on Tron or $0.10 on Ethereum
- $1 minimum, $5,000 maximum per funding
- Available countries: Åland Islands, Albania, American Samoa, Andorra, Angola, Anguilla, Antarctica, Antigua and Barbuda, Argentina, Armenia…
Full list
… Aruba, Australia, Austria, Azerbaijan, Bahamas, Bahrain, Bangladesh, Barbados, Belgium, Belize, Benin, Bermuda, Bhutan, Bolivia, Bosnia and Herzegovina, Botswana, Brazil, Brunei, Bulgaria, Burkina Faso, Cambodia, Cameroon, Canada, Cape Verde, Chad, Chile, Colombia, Costa Rica, Croatia, Cyprus, Czechia, Côte d'Ivoire, Denmark, Djibouti, Dominica, Dominican Republic, Ecuador, Egypt, El Salvador, Equatorial Guinea, Eritrea, Estonia, Eswatini, Ethiopia, Fiji, Finland, France, French Guiana, Gabon, Georgia, Germany, Ghana, Gibraltar, Greece, Greenland, Grenada, Guadeloupe, Guam, Guatemala, Guernsey, Guinea, Guinea-Bissau, Guyana, Haiti, Honduras, Hong Kong, Hungary, Iceland, India, Indonesia, Ireland, Isle of Man, Israel, Italy, Jamaica, Japan, Jersey, Jordan, Kazakhstan, Kenya, Kiribati, Kosovo, Kuwait, Laos, Latvia, Lesotho, Liechtenstein, Lithuania, Luxembourg, Macao, Madagascar, Malawi, Malaysia, Mali, Malta, Marshall Islands, Martinique, Mauritania, Mauritius, Mexico, Micronesia, Moldova, Monaco, Mongolia, Montenegro, Montserrat, Morocco, Mozambique, Namibia, Nauru, Nepal, Netherlands, New Zealand, Niger, Nigeria, North Macedonia, Northern Mariana Islands, Norway, Oman, Pakistan, Palau, Palestine, Panama, Papua New Guinea, Paraguay, Peru, Philippines, Poland, Portugal, Puerto Rico, Qatar, Romania, Rwanda, Saint Kitts and Nevis, Saint Lucia, Saint Vincent and the Grenadines, Samoa, San Marino, Saudi Arabia, Senegal, Seychelles, Sierra Leone, Singapore, Sint Maarten, Slovakia, Slovenia, Solomon Islands, South Africa, South Georgia and the South Sandwich Islands, South Korea, Spain, Sri Lanka, Sweden, Switzerland, Taiwan, Tanzania, Thailand, Timor-Leste, Tonga, Trinidad and Tobago, Tunisia, Turkey, Turks and Caicos Islands, Tuvalu, Uganda, United Arab Emirates, United Kingdom, Uruguay, Vanuatu, Vatican City, Vietnam, U.S. Virgin Islands, Western Sahara, Zambia
Who issues the Onboard Card
Our issuer directory has no verified entry for the Onboard 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 Onboard Card with crypto; the 2 assets we track for it are listed below.
Pros and cons
Pros
- Apple Pay and Google Pay
The fine print
- First card free
- Funds from NGN, IDR and KES as well as USDT and USDC
- Free withdrawals from the card
- USD, EUR and GBP accounts in the same app
- No card issuance fee
- No annual maintenance fee
- Banking rails: SEPA / SWIFT support
Cons
- $0.30 + 1.5% on non-USD and cross-border payments
The fine print
- 1.25% funding fee
- Virtual only with no ATM
- $5,000 daily and $20,000 monthly limits
- Not available in the US
- No cashback
Regional availability
Availability by exclusion list
Countries where Onboard identity verification is supported: 41 excluded, including the United States, China, Russia and Ukraine.
Banking and fiat rails
The fine print
- … proof-of-income review
- The card itself has no IBAN and cannot withdraw to USD or EUR directly
Card overview
Onboard replaced its old card with the Flex Card in November 2025 and retired the Classic card on 31 March 2026, so the 0.35% conversion fee and the 1 USDC per-transaction reward that used to define it are no longer published anywhere. Flex is a virtual USD Visa with Apple Pay and Google Pay. Two costs decide it: every funding pays 1.25% (plus $1.25 on Tron or $0.10 on Ethereum), and every non-USD or cross-border payment pays $0.30 plus 1.5%.
USD spending at US merchants is free, which suits people earning in naira, rupiah or shillings who pay dollar subscriptions; funding runs from USDT or USDC in an external wallet or from local NGN, IDR or KES. There is no cashback, no ATM access and no physical card. Daily spend caps at $5,000 ($20,000 a month, higher on request), and US residents cannot verify.
Common questions about the Onboard 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.
