Zoomex Card 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
The Zoomex Card is a virtual-only Mastercard, a co-launch between Zoomex and UR that went live around March 2026 after a December 2025 early-registration window. The catch you need up front: the headline 1% cashback and $10 welcome reward were launch promotions that ended April 30, 2026, and by mid-2026 they are gone with no confirmed rate to replace them. There is no physical card and no ATM or cash withdrawal. Everything runs through the mobile wallets: Apple Pay, Google Pay and Samsung Pay. You fund it by depositing USDC, which settles into a multi-currency fiat account spanning USD, EUR, CHF, JPY, SGD and HKD. Custody is not yours: assets sit with UR, a brand of the Swiss institution SR Saphirstein AG. The fee sheet is clean, zero issuance, zero annual, and zero fee to move fiat back to Zoomex. New cardholders get a free bump from Basic to UR Pro, with a monthly limit up to 100,000 CHF. Cross-currency spend uses Mastercard's real-time rate with no published markup. Best fit: existing Zoomex traders outside the US who want USDC turned into everyday online and mobile spend across several currencies and do not need a physical card or cash. Wrong card if you want self-custody, a plastic card, ATM access, or the cashback that no longer exists.
Zoomex Card is a free virtual Mastercard from the Zoomex exchange, run on the UR payments platform. Convert USDC into USD, CHF, EUR, SGD, HKD or JPY card balances at 1%, spend with 0% markup in the same currency, and add the card to Apple, Google or Samsung Pay. A free UR Pro upgrade brings SEPA and SWIFT rails plus EUR 10,000 daily limits.
This is a Mastercard crypto card. It offers cashback rewards. Available in Europe.
Fees & Limits
| Issuance Fee | Free |
|---|---|
| Annual Fee | Free |
| FX Fee | 0% same-currency spend; cross-currency via UR/Mastercard rates (~1-2%) |
| ATM Limit | No ATM withdrawals |
| Spending Limit | EUR 10,000/day, EUR 20,000/month card limits (UR Pro tier, included free) |
These figures can change. Confirm the current fees, FX and network in Zoomex’s official terms before you apply.
Features
- Welcome Bonus: $10 cashback
- Card Type: Virtual only
- Top up with: USDC converted from Zoomex exchange account into fiat card balances (USD, CHF, EUR, SGD, HKD, JPY) at 1% conversion fee
- Available Countries: Most of Europe, Canada, Brazil, Australia, New Zealand, Japan, Singapore, Hong Kong, Malaysia, South Korea, Taiwan, China, UAE, Réunion. Not available: USA, Russia, Iran, North Korea
Banking & Fiat Rails
Yes — free UR Pro membership unlocks SEPA and SWIFT transfers on the UR multi-currency account
Who issues the Zoomex Card
The Zoomex Card is issued by SR Saphirstein AG (Fiat24 / UR), Switzerland — CHE-256.014.995, Zürich (FINMA Art. 1b fintech licence, granted 16 Feb 2021). The issuer is named verbatim in the card documentation. Zoomex FAQ: "jointly launched by Zoomex and Swiss licensed financial institution UR"; the PR adds that assets are "custodied by UR, a registered trademark under the Swiss financial institution SR Saphirstein AG". Program provider named, BIN sponsor not.
Primary source · All cards issued by SR Saphirstein AG (Fiat24 / UR) · Why the issuer matters
Supported Cryptocurrencies
You can load the Zoomex Card with crypto; the asset we track for it is listed below. When you pay, the card converts crypto to local fiat automatically.
Networks & deposit details: No direct on-chain card loading — USDC moves from the Zoomex exchange account and is converted to fiat
Who Is the Zoomex Card Best For?
The Zoomex Card is a good fit for holders who want their balance to keep earning while it sits on the card.
The Zoomex Card pays 1% cashback on eligible purchases, so it works well as a daily spending card.
The card is currently available in Europe, Canada, Brazil, Australia, New Zealand, Japan, Singapore, Hong Kong, Malaysia, South Korea, Taiwan, UAE, so it works for residents and travellers in those areas.
Best for
- Frequent spenders who want to earn 1% cashback
- People who want a straightforward, app-managed crypto card
- European users within EEA countries
- Budget-minded users (no issuance or annual fee)
Avoid if
- You need full non-custodial control of your funds
- You're a US resident (this card doesn't support US users)
- You want a card backed by government deposit insurance (FDIC / FSCS)
Compare the Zoomex Card side-by-side with alternatives using the full card listing or explore our Mastercard crypto cards category.
Pros & Cons
Pros
- Zero issuance and annual fees; 0% same-currency spend and free transfer-back of unspent funds; six fiat card currencies; Apple/Google/Samsung Pay; free UR Pro with SEPA/SWIFT and EUR 10k/day limits; wide coverage across Europe, Canada, Brazil and Asia-Pacific
- Earn 1% cashback on eligible purchases
- Works wherever Mastercard is accepted worldwide
- Covers the European Economic Area (EEA)
- Virtual card ready right away, no shipping wait
- Welcome bonus: $10 cashback
Cons
- Virtual only, no ATM; USDC is the only crypto on-ramp (1% conversion); strict NFC-passport KYC via UR with no VPN allowed; no deposit protection per UR docs; ongoing cashback is promotional, not guaranteed; US residents excluded
- Custodial: the issuer holds your funds
- Only available in certain regions
How to Get the Zoomex Card
Here is what the sign-up process looks like, from application to first purchase.
Create a Zoomex account
A few minutesGo to the Zoomex website or download the app. Sign up with your email, pick a password, and accept the terms.
Complete identity verification
Varies by issuerZoomex 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 USDC converted from Zoomex exchange account into fiat card balances (USD, CHF, EUR, SGD, HKD, JPY) at 1% conversion fee through the funding screen. When you make a purchase, your crypto converts to local fiat at the current rate.
Start spending immediately
InstantYour virtual Zoomex Card shows up in the Zoomex 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 Zoomex 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.
Key supported countries:
Common questions about the Zoomex Card
What are the fees for the Zoomex Card?
How does the Zoomex Card cashback work?
Where is the Zoomex Card available?
What cryptocurrencies does the Zoomex Card support?
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