PEXX Card Review 2026
Reviewed: · against issuer documentation
How this rating is calculated · Algorithmic score, not user reviews
Independently reviewed by Mihail B. · how we verify
Get PEXX CardCard Overview
PEXX Card is a virtual prepaid Mastercard relaunched in July 2026 for Europe, funded with USDT or USDC across ten blockchain networks or plain USD. There are no annual fees, idle balances earn up to 4% APY, and every account gets a US-style USD virtual bank account without needing American residency. Google Pay works today, with Apple Pay and physical cards on the roadmap.
This is a Mastercard crypto card. Available in Europe. Available in the UK.
Fees & Limits
| Issuance Fee | Free (a $2 issuance fee may apply in some regions) |
|---|---|
| Annual Fee | Free |
| FX Fee | Own pages conflict: 1.2% FX + 0.6% platform fee (card FAQ) vs 2.6% flat (pricing) vs 1.8% + $0.30 (help center) |
| ATM Limit | Not disclosed |
| Spending Limit | $5,000/transaction, $10,000/day, $30,000/month |
These figures can change. Confirm the current fees, FX and network in PEXX’s official terms before you apply.
Features
- 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 territories; the money-transfer product separately covers 17+ countries
Banking & Fiat Rails
No IBAN/SEPA; US-style USD virtual account with routing + account number, no US residency required
Supported Cryptocurrencies
You can load the PEXX Card with crypto; the 5 assets we track for it are listed below. When you pay, the card converts crypto to local fiat automatically.
Networks & deposit details: Yes — USDT (Tron, Polygon, BSC, Ethereum, Solana) and USDC (Base, Arbitrum, Ethereum, Polygon, BSC, Solana)
Who Is the PEXX Card Best For?
The PEXX Card is a good fit for holders who want their balance to keep earning while it sits on the card.
It lets you spend crypto at millions of merchants without converting everything to fiat first.
The card is currently available in Europe: EEA + UK + Switzerland + microstates, so it works for residents and travellers in those areas.
Best for
- People who want a straightforward, app-managed crypto card
- European users within EEA countries
Avoid if
- You want a card that earns cashback
- You need full non-custodial control of your funds
- You're a US resident (this card doesn't support US users)
- You need traditional bank integration (IBAN, SEPA, direct debits)
Compare the PEXX Card side-by-side with alternatives using the full card listing or explore our Mastercard crypto cards category.
Pros & Cons
Pros
- No annual or monthly fees; 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
- Works wherever Mastercard is accepted worldwide
- Covers the European Economic Area (EEA)
- Virtual card ready right away, no shipping wait
- 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; three conflicting fee figures on its own pages; Europe-only eligibility; no cashback; virtual only; Apple Pay missing; issuing bank undisclosed
- Card issuance fee: Free (a $2 issuance fee may apply in some regions)
- Custodial: the issuer holds your funds
- Only available in certain regions
- Full KYC required, no anonymous tier
- No IBAN or bank account, prepaid only
How to Get the PEXX Card
Here is what the sign-up process looks like, from application to first purchase.
Create a PEXX account
A few minutesGo to the PEXX website or download the app. Sign up with your email, pick a password, and accept the terms.
Complete identity verification
Varies by issuerPEXX runs standard KYC: a government-issued photo ID and usually a selfie. Processing time varies by issuer and load.
Fund your card
Usually instantLoad your card with USD bank transfer; USDT on Tron, Polygon, BSC, Ethereum, Solana; USDC on Base, Arbitrum, Ethereum, Polygon, BSC, Solana; minimum top-up $1 through the funding screen. When you make a purchase, your crypto converts to local fiat at the current rate.
Start spending immediately
InstantYour virtual PEXX Card shows up in the PEXX app right away. Use it online or add it to Apple Pay / Google Pay for tap-to-pay in stores.
Requirements
Regional Availability
Available Across the EEA
The PEXX Card covers the EU member states plus Iceland, Liechtenstein, and Norway. If you're in the UK, check with the issuer about post-Brexit availability.
Common questions about the PEXX Card
What are the fees for the PEXX Card?
Where is the PEXX Card available?
What cryptocurrencies does the PEXX Card support?
What are the PEXX Card's ATM and spending limits?
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