Tonhub 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 Tonhub CardCard Overview
Tonhub Card is a virtual Visa debit connected to a non-custodial TON wallet: your TON, USDT and USDC stay on-chain until the second you approve a payment. Top-ups are free — from exchanges, direct on-chain deposits or in-wallet swaps — EUR purchases cost a flat 1.5%, and the card lives in Apple Pay and Google Pay. SEPA and SWIFT transfers straight from a self-custody wallet complete a rare package for EU users in the TON ecosystem.
This is a Visa crypto card. It uses a self-custody model. Available in Europe.
Fees & Limits
| Issuance Fee | Not disclosed |
|---|---|
| Annual Fee | Not disclosed |
| FX Fee | 1.5% on EUR payments; 3% on USD and other currencies (conversion benchmarked via OKX) |
| ATM Limit | Not disclosed (virtual card) |
| Spending Limit | Contactless EUR 10,000; online EUR 25,000; EUR 50,000/month overall |
These figures can change. Confirm the current fees, FX and network in Tonhub’s official terms before you apply.
Features
- Card Type: Virtual only
- Top up with: Free crypto top-up: TON and USDT from exchanges (Binance, OKX, Bitget, Gate), direct on-chain deposit to the card address, from the Tonhub wallet, or Changelly swap; USDC via Solana only
- Available Countries: EU member states
Banking & Fiat Rails
SEPA and SWIFT from the non-custodial app; SEPA fee $3.50 + 1.5%
Supported Cryptocurrencies
You can load the Tonhub Card with crypto; the 2 assets we track for it are listed below. When you pay, the card converts crypto to local fiat automatically.
Networks & deposit details: Yes — direct on-chain deposits to the card address (TON, USDT; USDC via Solana), plus exchange and swap routes
Who Is the Tonhub Card Best For?
The Tonhub Card is a good fit for DeFi users and privacy-focused holders who want to keep their own keys until they actually spend.
It lets you spend crypto at millions of merchants without converting everything to fiat first.
The card is currently available in European Union, so it works for residents and travellers in those areas.
Best for
- DeFi users who want to hold their own keys
- European users within EEA countries
Avoid if
- You want a card that earns cashback
- You're a US resident (this card doesn't support US users)
Compare the Tonhub Card side-by-side with alternatives using the full card listing or explore our Visa crypto cards category.
Pros & Cons
Pros
- True self-custody spending — funds stay on-chain until the moment of payment; free crypto top-up including direct on-chain deposits; Apple/Google Pay; SEPA/SWIFT rails from a non-custodial wallet; low 1.5% EUR fee; TON-ecosystem native
- Works wherever Visa is accepted worldwide
- Self-custody: you keep your private keys until you spend
- Covers the European Economic Area (EEA)
- Virtual card ready right away, no shipping wait
Cons
- EU-only and virtual-only; 3% on non-EUR payments; no cashback; issuing bank hidden behind "Partners" (programme runs on Holders infrastructure); USDC top-up limited to Solana; SEPA transfers cost $3.50 + 1.5%
- Card issuance fee: Not disclosed
- Annual fee: Not disclosed
- Only available in certain regions
- Full KYC required, no anonymous tier
How to Get the Tonhub Card
Here is what the sign-up process looks like, from application to first purchase.
Create a Tonhub account
A few minutesGo to the Tonhub website or download the app. Sign up with your email, pick a password, and accept the terms.
Complete identity verification
Varies by issuerTonhub 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 Free crypto top-up: TON and USDT from exchanges (Binance, OKX, Bitget, Gate), direct on-chain deposit to the card address, from the Tonhub wallet, or Changelly swap; USDC via Solana only through the funding screen. When you make a purchase, your crypto converts to local fiat at the current rate.
Start spending immediately
InstantYour virtual Tonhub Card shows up in the Tonhub 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 Tonhub 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 Tonhub Card
What are the fees for the Tonhub Card?
Where is the Tonhub Card available?
What cryptocurrencies does the Tonhub Card support?
What are the Tonhub Card's ATM and spending limits?
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