Takenos 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 | Virtual $5; physical $20 plus shipping, varying by country (Bolivia: $20 plus $20 shipping on the fees page, $10 on the Bolivia ordering page) |
|---|---|
| Annual fee | Free |
| FX fee | 1% commission on every purchase, including USD purchasesThe fine print
|
| ATM limit | 1% Takenos fee plus the ATM operator charge, about $5; up to $250 per withdrawal including the operator charge, $750 a day in up to three withdrawals |
| Spending limit | No fixed spending cap; default weekly limit $5,000, adjustable in the app |
Fees change; the current ones are in Takenos’s terms.
Features
- Cashback: None disclosed for the card
- KYC: Yes
- Card type: Virtual and physical; physical card documented for Bolivia, and Takenos also lists it for Argentina and Peru
- Top up with: USDT/USDC on BEP-20, Polygon, Tron, Ethereum (no deposit fee); USD via ACH/wire; EUR via SEPA; BRL via Pix; local rails ARS/BOB/PEN/CLP/PYG
- Available countries: Argentina, Bolivia, Peru, Chile, United States, Paraguay, Colombia, Ecuador, Spain and Italy
Full list
Physical card in Bolivia, with Takenos also listing it for Argentina and Peru
Who issues the Takenos Card
The Takenos Card is issued by Pomelo S.A., Argentina (BaaS, multi-LatAm). The issuer is named in the source linked below. Argentine Spicy Card: "El emisor de la tarjeta prepaga es Pomelo Fintech Services S.A.S." Takenos’ newer international TakeCard has separate terms naming only "el Prestador de Tarjetas".
Primary source · All cards issued by Pomelo S.A. · Why the issuer matters
Supported cryptocurrencies
You can load the Takenos Card with crypto; the 5 assets we track for it are listed below.
Pros and cons
Pros
- Instant $5 virtual USD Visa
The fine print
- Free USDT/USDC top-up on 4 chains
- Apple/Google Pay
- Flat 1% fee at Visa's exchange rate
- Multi-rail receiving (ACH, SEPA, Pix, LatAm local rails)
- Balance yield of 2% to 3% APY on the same balance the card spends
- Card provider (Rain) named in the TakeCard terms
- No annual maintenance fee
- Multi-chain top-up across 4+ networks
Cons
- 1% fee applies to every purchase including USD
The fine print
- Physical card in few countries, $40 all-in in Bolivia on the fees page
- USD 0.10 charge on purchases under USD 10 in Bolivia
- No cashback
- Only 2 stablecoins
- ATM costs 1% plus about $5
- Biometric KYC mandatory
- Card issuance fee: Virtual $5
Regional availability
Available in USA + LATAM
Latin America: Argentina, Bolivia, Peru, Chile, Paraguay, Colombia and Ecuador, plus the United States, Spain and Italy.
Banking and fiat rails
Card overview
Takenos is a Visa prepaid card built for Latin American workers who earn dollars and want to keep and spend them. Third National issues it in the US under a Rain (Signify Holdings) program, while Takenos, an Argentine company, runs the account. Custody is custodial and prepaid. You fund from crypto, Takenos holds a USD-denominated balance, and you can only spend what you load.
You cannot run up debt or pay interest, and you do not hold the keys. There is no cashback and no rewards program, so do not come here for points, though the same balance the card spends earns 2% to 3% APY once it holds $200 or more. The account itself carries no maintenance cost, but the spend side is not free: every purchase pays a 1% commission, plain USD purchases included, and non-USD amounts convert at Visa's rate plus that 1%. In Bolivia, purchases under USD 10 also cost USD 0.10 since 13 August 2026.
The virtual card costs $5 and the physical one $20 plus shipping, documented for Bolivia and also listed for Argentina and Peru. ATM cash costs 1% plus the operator's charge, up to $250 a withdrawal and $750 a day. The account is open in Argentina, Bolivia, Peru, Chile, Paraguay, Colombia and Ecuador, plus the United States, Spain and Italy. It is aimed at USD subscriptions like Netflix and Spotify, plus travel, Airbnb, Amazon and Uber.
- Best fit
- freelancers and exporters in those countries paid in dollars or stablecoins who want an inflation shelter they can spend globally
- Wrong card if
- you spend heavily, since the 1% applies to every purchase, or want cashback or your keys
Common questions about the Takenos 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.
