Tuyo Card Review 2026
Reviewed by Mihail B. in · · how we verify
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Fees and limits
| Issuance fee | Free |
|---|---|
| Annual fee | Free |
| FX fee | Up to 2% on a purchase in a currency other than USD made outside the US: a 1% FX fee plus a 1% abroad fee from the card…The fine print
|
| ATM limit | $250 per withdrawal including any ATM surcharge; at most 3 ATM attempts in a rolling 24 hours, declined attempts included; Visa ATMs, virtual card with PIN |
| Spending limit | Up to $50,000 a day for new cards, rising to $100,000 after $50,000 of total purchases and to $200,000 after $100,000The fine printChangeable in the app after the first purchase |
Fees change; the current ones are in Tuyo’s terms.
Features
- Cashback: Crypto rewards
The fine print
- TUYO reward points per dollar spent, rate shown in the app
- TUYOs are not a token and cannot be traded
- Tuyo says it expects to launch a token in 2026 and to allocate at least 20% of supply to users and community
- Season 3 runs from 22 January 2026 until the token launch
- Buy Now, Pay Maybe makes some card purchases randomly free
- KYC: Yes
- Card type: Virtual
- Top up with: USDC on Base in the Cash section; other tokens and networks converted to USDC on Base in the app; USD, EUR and MXN bank deposits converted to USDC
- Available countries: Worldwide except Afghanistan, Bangladesh, Belarus, China, Cuba, DR Congo, India, Iran, Iraq, Israel, Lebanon, Libya…
Full list
- … Mali, Myanmar, Nepal, Nicaragua, Nigeria, North Korea, Russia, Somalia, South Sudan, Sudan, Syria, Turkey, Ukraine, United Kingdom, Venezuela, Vietnam and Yemen
- In the United States the card is not available in Arizona, Delaware, Georgia, Idaho, Louisiana, Maryland, Mississippi, Missouri, Nevada, New Mexico, North Dakota, Ohio, Oregon, Rhode Island, South Dakota, Tennessee, Vermont, Washington, Wisconsin, District of Columbia, Puerto Rico, US Virgin Islands, American Samoa, Guam and the Northern Mariana Islands
Who issues the Tuyo Card
The Tuyo Card is issued by Third National (Nimbus LLC), USA; Puerto Rico money transmitter (NMLS #2612780), a subsidiary of Signify Holdings, Inc. ("Rain") per Rain's privacy policy. The issuer is named in the source linked below. Tuyo's account opening disclosure names Third National as the issuer, and tuyo.com/card names Rain for card issuance services.
Primary source · All cards issued by Third National (Nimbus LLC) · Why the issuer matters
Supported cryptocurrencies
You can load the Tuyo Card with crypto; the asset we track for it is listed below.
The fine print
- Deposits accepted on Base, Ethereum, Arbitrum, BNB Smart Chain and Polygon and converted to USDC on Base in the app
- Tokens sent on Optimism cannot be recovered
Pros and cons
Pros
- Self-custodial wallet, and funds stay withdrawable in crypto even if KYC fails
The fine print
- The card spends a Cash balance that can earn interest through an opt-in strategy
- USD, EUR and MXN bank transfers to add cash
- No issuance, monthly or yearly fee
- ATM cash with a PIN on the virtual card
- No annual maintenance fee
- Crypto neobank with IBAN account and regular banking features
- Banking rails: IBAN / SEPA / SWIFT support
- Multi-chain top-up across 6+ networks
Cons
- Up to 2% on purchases outside the US or in other currencies
The fine print
- ATM cash capped at $250 a withdrawal and 3 attempts a day
- Virtual only, physical card still coming soon
- Spends only USDC on Base
- Rewards are points until a token launches
- Not available in the United Kingdom and many US states
- FX fee: 2% on foreign-currency spend
Regional availability
Available worldwide except the UK
Worldwide except the United Kingdom, India, Israel, Nigeria, Turkey, Ukraine, Vietnam and other listed countries; state limits apply inside the United States.
Banking and fiat rails
The fine print
- USD account takes ACH and wire, SWIFT deposits are returned
- MXN where eligible
- Not available to New York residents
Card overview
Salary-to-USDC conversion runs automatically through virtual accounts opened via Bridge: USD by ACH or wire (no SWIFT), EUR by SEPA, MXN where eligibility checks pass. Your paycheque lands and converts to USDC on Base in the same flow, and the only cost Tuyo names is a small FX spread, usually under 1%. That rail is the reason to look at Tuyo instead of a more general crypto card. The card is self-custodial in a real sense, with private keys that never leave your device.
Stablecoin support at launch is USDC on Base only; deposits accepted from five chains (Ethereum, Base, Arbitrum, Optimism, Polygon) and converted to USDC-Base for spending. USD purchases inside the US carry no FX fee; any other currency costs 1%, and any purchase outside the US another 1%, so up to 2% abroad. The virtual card draws cash at Visa ATMs with a PIN, up to $250 per withdrawal. The physical card is still listed as "coming soon".
Yield now sits on Tuyo Cash, the dollars the card spends: you activate an interest strategy in the app, at variable rates shown there and reduced by a fee, through third-party lending vaults that can lose money and is not deposit-insured. Activating it stops card spending from older Earn vaults, which keep earning separately, although Tuyo's card page still says the card can spend USDC inside an Earn strategy. TUYO rewards are points, not a token: Tuyo expects to launch one in 2026, and until it does the points have no market price. I wouldn't bank the math on that line.
- Best fit
- remote workers paid in USD or EUR who want auto-conversion plus self-custody
- Wrong card if
- you need more than $250 of cash at a time, a physical card today, or fixed-rate cashback in fiat-equivalent terms
What we saw in the app
Taken in our own account. It shows the app screen on that day, not a purchase we made with the card.
Strategies, 3 Oct 2026: 3.96% max on USD.
Common questions about the Tuyo 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.
What are the fees for the Tuyo Card?
Is the Tuyo Card legit, and who is behind it?
Is the Tuyo Card worth it?
How does the Tuyo Card cashback work?
Where is the Tuyo Card available?
What cryptocurrencies does the Tuyo Card support?
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