SolCard Review 2026
Last reviewed · against issuer documentation
How this rating is calculated · Algorithmic score, not user reviews
Independently reviewed by Mihail B. · how we verify
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Card Overview
SolCard sells a prepaid Visa you can get with nothing but an email, and the catch is custody: after you load USDT, USDC, SOL, SOLC or JITO, the money sits in SolCard's prepaid balance, not your wallet. The no-verification Virtual card is online-only, capped at $5,000 a month and priced hard: 5% on every top-up, a $10 issuance fee, 1-2% FX, $0.30 per purchase, $0.15 on declines and on purchases under $10, and 2% when a refund lands back on the card. The verified Platinum tier removes the top-up fee and is the only way to get Apple Pay, Google Pay and in-store use. There is no cashback; spending earns prize-draw entries instead. SolCard blocks named merchants (PayPal, Wise, Binance, Netflix, Starlink and more), and 10 consecutive declines for insufficient balance or a decline rate above 20% can cancel the card. Its terms, updated 5 September 2026, also allow a dormancy fee of 10% of the balance per month after 90 days without a login, card transaction or top-up. It is available worldwide except 13 restricted countries, including the US, Nigeria and South Africa, and residents of Hong Kong. Best fit: non-US crypto users who want an email-only virtual card for online subscriptions and accept the fees. Wrong card if you want in-store payments without verifying, low fees, or a place to park money.
This is a Visa crypto card. Available in Europe. Available in the UK.
Fees & Limits
| Issuance Fee | $10 per new card (the fee schedule lists it for Virtual cards; the help centre lists $10 for Platinum too) |
|---|---|
| Annual Fee | Free |
| FX Fee | Virtual 1-2%, Platinum 0-1.5% (fee schedule as of 15 August 2026; the help centre still lists 2% for both) |
| ATM Limit | Not available (virtual only) |
| Spending Limit | Virtual: $5,000/month, minimum $50 per top-up; Platinum: no limit on the 15 August 2026 fee schedule (an older help article lists $10,000 and $100,000) |
These figures can change. Confirm the current fees, FX and network in SolCard’s official terms before you apply.
Features
- Card Type: Virtual only
- Top up with: USDT or USDC on Solana, Ethereum, Polygon, BSC, HyperEVM, Arbitrum, Optimism, Avalanche or Base; SOL, SOLC or JITO on Solana; top-up fee 5% on Virtual, 0% on Platinum; minimum $50 per top-up
- Available Countries: Worldwide except United States, Cuba, North Korea, Egypt, Iran, Myanmar, Nigeria, Russia, South Africa, Syria, Ukraine, Venezuela and Belarus; the terms also exclude residents of Hong Kong. Available markets include United Kingdom, Canada, Germany, France, Spain, Italy, Netherlands, Belgium, Poland, Sweden, Japan, Singapore, India, Australia, New Zealand, Brazil, Mexico, Argentina and Kenya
Banking & Fiat Rails
None (prepaid card, no bank account)
Who issues the SolCard
Our issuer directory has no verified entry for the SolCard yet, so the bank behind it is not confirmed here even where the card's own terms name one. Around a quarter of the cards we track 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 SolCard 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: Solana (SOL, USDC, USDT, SOLC, JITO) + multichain: Ethereum, Polygon, BSC, Arbitrum, Optimism, Avalanche, Base, HyperEVM
Who Is the SolCard Best For?
The SolCard is a good fit for users who want to start spending crypto with minimal onboarding friction.
It lets you spend crypto at millions of merchants without converting everything to fiat first.
The card is currently available in Worldwide except 13 restricted countries and residents of Hong Kong, 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 SolCard side-by-side with alternatives using the full card listing or explore our Visa crypto cards category.
Pros & Cons
Pros
- No-KYC virtual tier up to $5,000/month; USDT/USDC top-ups on nine networks plus SOL, SOLC and JITO; verified Platinum tier drops the top-up fee to 0% and adds Apple Pay and Google Pay; no monthly or annual fee; reloadable
- Works wherever Visa is accepted worldwide
- Available in most countries
- Virtual card ready right away, no shipping wait
Cons
- 5% top-up fee plus $10 issuance on the no-KYC tier; Virtual cards are online-only; $0.30 per purchase, $0.15 per decline or purchase under $10, 2% on refunds and 1-2% FX; the terms allow a dormancy fee of 10% of the balance per month after 90 days without activity, although the offer page promises no inactivity fees; 10 consecutive declines for insufficient balance or a decline rate above 20% cancel the card; blocked merchants include PayPal, Wise, Binance, Netflix and gift-card and gaming platforms; fully custodial; not available in the US, Nigeria, South Africa or Egypt, or to residents of Hong Kong
- Does not offer cashback or rewards
- Card issuance fee: $10 per new card (the fee schedule lists it for Virtual cards; the help centre lists $10 for Platinum too)
- No IBAN or bank account, prepaid only
How to Get the SolCard
Here is what the sign-up process looks like, from application to first purchase.
Create your SolCard account
A few minutesGo to the SolCard website or download the app.
Check which tier needs verification
Depends on tierSolCard has a no-KYC tier, so basic use doesn't require identity documents. Higher limits or extra features may still ask for ID — the app shows what each tier requires.
Fund your card
Usually instantLoad your card with USDT or USDC on Solana, Ethereum, Polygon, BSC, HyperEVM, Arbitrum, Optimism, Avalanche or Base; SOL, SOLC or JITO on Solana; top-up fee 5% on Virtual, 0% on Platinum; minimum $50 per top-up through the funding screen.
Start spending immediately
InstantYour virtual SolCard shows up in the SolCard app right away. Use it online or add it to Apple Pay / Google Pay for tap-to-pay in stores.
Requirements
Regional Availability
Available Worldwide
The SolCard is available in most countries. Some places may be excluded because of local financial regulations, so check the SolCard website to confirm before you apply.
Common questions about the SolCard
What are the fees for the SolCard?
Is the SolCard legit, and who is behind it?
Is the SolCard worth it?
Where is the SolCard available?
What cryptocurrencies does the SolCard support?
What are the SolCard's ATM and spending limits?
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