Orbitx 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 | No fee listed for the virtual card beyond the annual feeThe fine print
|
|---|---|
| Annual fee | Neo $12/year; Lux $30/year |
| FX fee | 2% on non-USD spending on Neo; 1% on Lux. The same fee page lists a separate fiat conversion fee of 20 cents on Neo and 10 cents on Lux |
| ATM limit | $500 a day on Neo, $1,000 on Lux, once physical cards ship; fee is the ATM's own charge plus 2% plus $2 |
| Spending limit | Neo: $50000/day; Lux: Unlimited |
Fees change; the current ones are in Orbitx’s terms.
Features
- Network: Visa Platinum on Neo, Visa Signature on Lux
- KYC: Yes
- Card type: Virtual only for now. Physical cards, plastic for Neo and metal for Lux, are priced but announced as launching soon
- Top up with: USDC, USDT stablecoins on Polygon, Base; Solana and Tron coming
- Available countries: Global except Belarus, China, Cuba, India, Iran, Iraq, Israel, Myanmar, Nepal, Nicaragua, North Korea, Russia, Syria…
Full list
- … Turkey, Ukraine, Venezuela and Vietnam
- US residents sign separate US card terms
Who issues the Orbitx Card
The Orbitx Card is issued by Third National (Nimbus LLC), USA; Puerto Rico money transmitter (NMLS #2612780), a subsidiary of Signify Holdings, Inc. ("Rain") per Rain's privacy policy. The issuer is named in the source linked below.
Primary source · All cards issued by Third National (Nimbus LLC) · Why the issuer matters
Supported cryptocurrencies
You can load the Orbitx Card with crypto; the 3 assets we track for it are listed below.
Pros and cons
Pros
- True non-custodial with smart contract wallet
The fine print
- Visa Signature premium benefits
- Unlimited spending on Lux tier
- Multi-currency IBANs
- 10 add-on cards on Neo and unlimited on Lux
Cons
- Physical cards not yet shipping and will cost $100 to $350
The fine print
- Annual fee $12 or $30
- 2% FX on Neo (1% on Lux)
- ATM use costs 2% plus $2 on top of the ATM's fee
- Transaction decline fees of $0.05 to $0.10
- Collateral must cover every dollar spent, with liquidation if it falls short
- Annual fee: Neo $12/year
Regional availability
Available worldwide
The Orbitx Card is available in most countries, except Belarus, China, Cuba, India, Iran, Iraq, Israel, Myanmar, Nepal, Nicaragua, North Korea, Russia, Syria, Turkey, Ukraine, Venezuela and Vietnam.
Banking and fiat rails
The fine print
- The App Store listing names five (US, UAE, Brazil, Mexico, Nigeria)
- SWIFT payouts to 100+ countries
- Deposits are free
- Withdrawals cost $2 on both tiers
Card overview
OrbitX looks cheap at 12 dollars a year for Neo and 30 for Lux, until you look at the rest: 100% collateral up front and 2% FX on every non-USD transaction on Neo (1% on Lux). The card is a collateral-backed credit line issued by Third National; your stablecoins stay in your own wallet but are liquidated if they no longer cover what you owe. The card is virtual for now; the physical cards, 100 dollars for Neo plastic and 350 for Lux metal, are priced but still listed as launching soon. It even bills declined transactions, 5 to 10 cents each.
What that buys is a smart-contract wallet where you hold the keys, a Visa Platinum on Neo or Visa Signature on Lux, named virtual accounts in USD, EUR, GBP, AED and several other currencies that settle into your USDC balance, and a 50,000-dollar daily limit on Neo (unlimited on Lux). Stablecoin deposits ride Polygon and Base today, with Solana and Tron promised. There is no cashback. As a high-limit self-custody package with bank rails it hangs together.
Try to justify it on value alone and the fee stack falls apart.
Common questions about the Orbitx 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.
