Ripio 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 |
|---|---|
| Annual fee | Free |
| FX fee | Argentina: foreign purchases convert at the Banco Nación retail selling rate multiplied by 1.03, a 3% markup, and…The fine print
|
| ATM limit | Argentina: 5 withdrawals and USD 500 a day on the Link and Banelco networks, operator fees may applyThe fine printBrazil: R$1,998 a day on Rede24Horas, R$6.90 per withdrawal |
| Spending limit | Argentina: USD 5,000 a day in total, with international online purchases allowed up to USD 20,000 inside that tableThe fine print
|
Fees change; the current ones are in Ripio’s terms.
Features
- Welcome bonus: 4% cashback
- Cashback: Up to 2%
The fine print
- 2% when paying with crypto and 0.5% when paying in pesos or reais, paid in USDT, BTC, ETH or the local stablecoin (USDar, wBRL)
- Monthly cap in Argentina ARS 50,000 on Bronze and Gold, ARS 75,000 on Platinum, ARS 100,000 on Black
- In Brazil R$500
- New cardholders get 4% on crypto and 1% on local currency for the first 30 days
- KYC: Yes
- Card type: Virtual + Physical
- Top up with: Crypto + Bank transfer (local currencies)
- Available countries: Argentina, Brazil
Who issues the Ripio Card
Ripio Card does not name its issuer outright, and on the documents we could reach, the sponsor appears to be Pomelo S.A., Argentina (BaaS, multi-LatAm), inferred from the program manager and not stated by the issuer itself. AR.
Primary source · All cards issued by Pomelo S.A. · Why the issuer matters
Supported cryptocurrencies
Pros and cons
Pros
- Free virtual and physical prepaid Visa
The fine print
- 2% cashback in USDT, BTC or ETH when paying with crypto
- Apple Pay and Google Wallet
- ATM withdrawals in Argentina and Brazil
- Issuers named in the terms
- No card issuance fee
- No annual maintenance fee
- Multi-chain top-up across 5+ networks
Cons
- Foreign purchases in Argentina convert at the Banco Nación retail selling rate times 1.03 plus taxes, and paying with…
The fine print
- … crypto there adds Ripio's crypto sale commission
- Foreign-currency purchases in Brazil carry a 5% cost
- Cashback in Brazil is capped at R$500 a month
- The Brazilian virtual card works for online purchases only
- No IBAN or bank account, prepaid only
Regional availability
Available in Argentina + Brazil
The Ripio Card is available in Argentina + Brazil: Argentina, Brazil.
Banking and fiat rails
Card overview
Two countries: Argentina and Brazil. That's where the Ripio card runs, a prepaid Visa with no issuance or annual fee; the card terms exist only for those two, with Digipayments and Pomelo co-issuing in Argentina and Dock issuing in Brazil. Cashback is 2% when you pay with crypto and 0.5% when you pay in pesos or reais, paid in USDT, BTC, ETH or the local stablecoin, with monthly caps from ARS 50,000 to ARS 100,000 by tier in Argentina and R$500 in Brazil. New cardholders get 4% on crypto and 1% on local currency for the first 30 days.
Spending draws from your Ripio balance in the asset you selected at checkout. There is no IBAN, SWIFT or SEPA. In Argentina, paying with crypto adds Ripio's commission for selling it, and foreign purchases convert at 3% over the Banco Nación selling rate before Argentine taxes; Brazil adds 5% to foreign-currency purchases. ATM cash works on Link and Banelco in Argentina (up to USD 500 a day) and on Rede24Horas in Brazil (R$6.90 a withdrawal).
Apple Pay and Google Wallet work. Top-up reaches 20+ networks through the Ripio wallet (Bitcoin, Lightning, Polygon, Tron, Base, others). Outside Argentina and Brazil the card isn't available.
Common questions about the Ripio 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.
