Utorg Card Review 2026
Reviewed by Mihail B. in · · how we verify
Algorithmic score, not user reviews: how it is calculated
Get Utorg CardNot a partner link. We earn nothing from this card; it goes straight to the issuer.
Fees and limits
| Issuance fee | Free |
|---|---|
| Annual fee | Free |
| FX fee | Not published: the card is in USD, and Utorg says Visa and the card provider may charge a fee on any non-USD paymentThe fine print
|
| ATM limit | Not available (virtual only) |
| Spending limit | $30,000 a month by default; can be raised on request through the card partner |
Fees change; the current ones are in Utorg’s terms.
Features
- Custody: Hybrid: non-custodial wallet, but a top-up converts USDC into a USD card balance held with the card provider
- KYC: Yes
- Card type: Virtual only
- Top up with: USDC from the Utorg wallet, gasless on Ethereum, Polygon, Arbitrum and Solana; Utorg says BTC and ETH top-ups will be added
- Available countries: Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Iceland, Ireland…
Full list
… Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Ukraine
Who issues the Utorg Card
The Utorg Card is issued by Wirex Limited, UK (FCA EMI, FRN 902025; England & Wales company 09334596). The issuer is named in the source linked below. Utorg's terms say Chain Valley Sp. z o.o. (Poland, KRS 0001036419) provides the card service in collaboration with Wirex Pay and Wirex Limited. The card is a USD Visa.
Primary source · All cards issued by Wirex Limited · Why the issuer matters
Supported cryptocurrencies
You can load the Utorg Card with crypto; the 5 assets we track for it are listed below.
Pros and cons
Pros
- Non-custodial wallet with a virtual Visa card you order in the app
The fine print
- No issuance, maintenance or top-up fees
- Gasless USDC top-ups on four networks
- $30,000 default limit
- Apple Pay and Google Pay
- No annual maintenance fee
Cons
- Virtual card only
The fine print
- On iPhone the wallet and card moved to a separate app, Utapp, so existing iPhone users have to restore their wallet there with the recovery phrase
- The zero fees on payments and cross-fiat conversions are advertised for a limited time only
- No IBAN or bank-account features
Regional availability
Available in most of the EEA
EEA and Ukraine; Austria, Hungary, the UK and the US excluded.
Key supported countries:
Banking and fiat rails
Card overview
Utorg rebuilt this card on a different rail and made little noise about it. The old Mastercard went offline in February 2026, when its card payments provider ran into trouble, and what came back is a virtual USD Visa; every old card is permanently inactive. Utorg's terms say Chain Valley Sp. z o.o. provides the card service in collaboration with Wirex Pay and Wirex Limited. Custody is split: the Utorg wallet is non-custodial, but a top-up turns USDC into a dollar balance held with the card provider, at $0.9995 per USDC, and you withdraw it back to the wallet to leave.
It is free to issue with no top-up fee, has no cashback, and carries a default limit of $30,000 a month. Utorg publishes no fee for spending in a currency other than USD, saying only that Visa and the provider may charge one. On iPhone the wallet and card moved to a separate app, Utapp, so existing iPhone users restore their wallet there with the recovery phrase. New customers order the card in the app after a liveness check, proof of identity and proof of residence.
It is sold in the EEA and Ukraine, and Utorg's terms exclude residents of Austria, Hungary, the UK and the US.
Common questions about the Utorg 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.
