PEXX 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 | Free (a $2 issuance fee may apply in some regions) |
|---|---|
| Annual fee | Free |
| FX fee | 1.8% processing fee plus up to $0.30 on every card payment, per the help centre article on the current MastercardThe fine printOlder PEXX pages still quote 0.6% + 1.2% FX and 2.6% flat |
| ATM limit | Not disclosed |
| Spending limit | $5,000/transaction, $10,000/day, $30,000/month |
Fees change; the current ones are in PEXX’s terms.
Features
- Cashback: None (the "earn" pitch is balance APY, not card spend)
- KYC: Yes
- Card type: Virtual only
- Top up with: USD bank transfer; USDT on Tron, Polygon, BSC, Ethereum, Solana; USDC on Base, Arbitrum, Ethereum, Polygon, BSC, Solana; minimum top-up $1
- Available countries: New Mastercard (launched 6 July 2026): EEA, UK, Switzerland, Andorra, Monaco, San Marino, Liechtenstein + UK/EU…
Full list
- … territories
- The money-transfer product separately covers 17+ countries
Who issues the PEXX Card
Our issuer directory has no verified entry for the PEXX 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 PEXX Card with crypto; the 5 assets we track for it are listed below.
Pros and cons
Pros
- No annual or monthly fees
The fine print
- 10 chain options for USDT/USDC top-up
- Up to 4% APY on idle balances
- USD virtual account without a US address
- Google Pay
- 150,000+ users claimed
- Multi-chain top-up across 7+ networks
Cons
- Serious programme churn: Visa cards killed January 2026, Mastercard relaunched July 2026 with a new unnamed partner
The fine print
- Three conflicting fee figures on its own pages
- Europe-only eligibility
- No cashback
- Virtual only
- Apple Pay missing
- Issuing bank undisclosed
- No IBAN or SEPA account
Regional availability
Available across the EEA
The PEXX Card covers the EU member states plus Iceland, Liechtenstein and Norway.
Banking and fiat rails
Card overview
PEXX Card is a virtual prepaid Mastercard, relaunched on 6 July 2026 for residents of the EEA, the UK, Switzerland and the European microstates after PEXX dropped its Visa cards in January and deactivated the old Mastercard during a partner switch. What a purchase costs depends on which PEXX page you read. The help centre article on the current Mastercard says 1.8% processing plus up to 0.30 USD on every card payment, while older pages still quote a 0.6% platform fee plus 1.2% FX, or a flat 2.6%. Take the help centre figure, and read the fee print twice.
The rest is clearer. Custodial, not self-custody: funds sit with licensed partners. Level 1 KYC (ID and phone) opens a US virtual bank account with no US address, SSN, or tax ID, and that is what sets it apart. Fund it in USD, USDT, or USDC from 1 USD, with spending capped at $10,000 a day and $30,000 a month.
PEXX pays 3.5% APY on USD, USDT and USDC, calculated daily on the wallet balance and backed by tokenised US Treasuries, and the card spends straight from the Main balance with no top-up step, but PEXX does not say whether that Main balance is the one that earns. There is no cashback. A 2 USD issuance fee applies in some regions. Google Pay works; Apple Pay and physical cards are coming soon.
- Best fit
- European residents paid in USD or stablecoins who want US banking details and spend via Google Pay
- Wrong card if
- you want cashback, ATM cash, a physical card today, Apple Pay, or self-custody
Common questions about the PEXX 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.
