最近更新：2026/09/20
Guarda Card 是 Guarda Wallet 推出的欧元 Visa 加密预付卡，提供 Virtual 和 Plastic 两种形态。产品开放期间仅面向欧盟27个成员国、冰岛、列支敦士登、挪威及英国居民，用户须通过 Guarda 移动钱包中的专属入口申请；其他国家和地区默认不提供有效申请入口或无法完成申请。用户原可使用指定加密资产充值，资产转换为欧元后用于线上购物、实体商户和 ATM 取现。当前产品不支持新用户正常申请。
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XRP'%20xlink:href='%23b'/%3e%3cuse%20fill='%23FFF'%20xlink:href='%23b'/%3e%3c/g%3e%3c/svg%3e){kind=small}
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DOT'%20fill='%23FFF'%3e%3cpath%20d='M10.02.53c-1.295%200-2.345%204.697-2.345%2010.49s1.05%2010.49%202.345%2010.49c1.294%200%202.344-4.697%202.344-10.49S11.314.53%2010.02.53zm.162%2020.387c-.148.198-.297.05-.297.05-.596-.692-.894-1.975-.894-1.975-1.043-3.357-.795-10.564-.795-10.564.49-5.721%201.382-7.073%201.685-7.373a.185.185%200%2001.238-.019c.44.313.81%201.617.81%201.617%201.09%204.048.991%207.848.991%207.848.099%203.308-.546%207.01-.546%207.01-.497%202.814-1.192%203.406-1.192%203.406z'/%3e%3cpath%20d='M19.118%205.8c-.645-1.124-5.24.303-10.267%203.186-5.027%202.883-8.573%206.13-7.93%207.254.645%201.124%205.241-.303%2010.268-3.186%205.027-2.883%208.574-6.131%207.93-7.254zM1.515%2016.085c-.246-.03-.19-.234-.19-.234.302-.86%201.266-1.758%201.266-1.758%202.393-2.575%208.769-5.946%208.769-5.946%205.206-2.422%206.823-2.32%207.233-2.208a.185.185%200%2001.135.198c-.05.537-1%201.507-1%201.507-2.966%202.961-6.312%204.768-6.312%204.768-2.82%201.732-6.353%203.013-6.353%203.013-2.688.968-3.548.66-3.548.66z'/%3e%3cpath%20d='M19.095%2016.277c.65-1.12-2.887-4.383-7.898-7.288C6.187%206.085%201.593%204.641.944%205.763c-.65%201.123%202.888%204.383%207.9%207.288%205.013%202.904%209.602%204.348%2010.251%203.226zM1.375%206.196c-.097-.228.106-.283.106-.283.897-.17%202.157.217%202.157.217%203.427.78%209.538%204.608%209.538%204.608%204.705%203.292%205.427%204.743%205.535%205.154a.185.185%200%2001-.103.215c-.49.225-1.805-.11-1.805-.11-4.05-1.086-7.289-3.075-7.289-3.075-2.91-1.57-5.788-3.985-5.788-3.985-2.187-1.842-2.35-2.74-2.35-2.74l-.002-.001z'/%3e%3ccircle%20cx='9.995'%20cy='10.995'%20r='1.234'/%3e%3ccircle%20cx='15.055'%20cy='6.256'%20r='1'/%3e%3ccircle%20cx='3.306'%20cy='8.774'%20r='1'/%3e%3ccircle%20cx='8.539'%20cy='17.856'%20r='1'/%3e%3c/g%3e%3c/g%3e%3c/svg%3e){kind=small}
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DAI发行方与公司资质概览
Guarda 成立于2017年，是一款全球知名的非托管多加密资产钱包服务商。该平台主要通过其位于葡萄牙的运营实体 GUARDACO LDA 和英属维尔京群岛的 GUARDIUM LTD 共同向全球用户提供服务。Guarda 支持数万种加密货币和数十条主流区块链网络，主打“用户完全掌控私钥与备份短语”的安全机制。除了非托管资产管理，Guarda 还通过技术接口集成第三方持牌合规机构，为用户提供 gas-free 交易、加密货币快速兑换、Staking 质押赚币以及法币出入金等一站式 Web3 财富管理服务。
Guarda 于 2022 年推出预付 Visa 卡，申请流程主要通过 Guarda Wallet 移动端完成。用户选择 Virtual 或 Plastic 后，需要提交手机号、居住地址等资料完成身份核验，并为卡片设置四位 PIN；Virtual 完成流程后可直接生成，Plastic 则寄送至申请时登记的地址。向卡片充值时，受支持的加密资产从 Guarda Wallet 转入卡片体系并转换为欧元，随后可通过 Visa 网络进行线上或线下消费，Plastic 还提供 ATM 现金提取功能。Guarda Wallet 负责非托管加密资产管理，而发卡相关电子货币与支付服务由持牌机构承担。2026 年近期卡片资料仍将 Guarda Visa Card 列为面向欧洲合资格居民的预付卡服务。
这张卡片暂时没有可展示的使用规模数据。数据补充后会在这里显示。
比较不同卡片形态与等级的真实费用记录
按住或滑动表格任意区域，左右查看全部卡片；左侧项目保持固定
G Guarda Virtual Card | G Guarda Plastic Card | |
|---|---|---|
| 卡片类型 | 虚拟卡 | 实体卡 |
| 费用 | ||
| 月费 | 3 EUR 每卡按月收取 | 3 EUR 每卡按月收取 |
| 开卡费 | 15 EUR 发行费 | 20 EUR 发行费 |
| ATM 取现费 | — | 1.9 EUR + 2.5% 每笔现金取款 |
| 货币转换费 | 2.5% 加密资产转欧元 | 2.5% 加密资产转欧元 |
| 充值费 | 1.5% 卡片充值手续费 | 1.5% 卡片充值手续费 |
| 交易失败费 | — | — |
| 奖励 | ||
| 返现 | — | — |
| 加密货币返现 | — | — |
| 质押奖励 | — | — |
| 质押年利率 | — | — |
| 欢迎奖金 | — | — |
| 推荐奖金 | — | — |
| 限制 | ||
| 每日支出限额 | — | — |
| 每月支出限额 | 9,000 EUR 月度消费上限 | 9,000 EUR 月度消费上限 |
| ATM 取款限额 | — | 500 EUR 每日限额500欧元，每月限额2500欧元 |
| 卡片网络 |
费用可能因地区、卡片等级和官方政策变化，请以最新官方资料为准。
以下按地区申请状态整理公开资料、官方政策和用户反馈，不构成办卡建议。
支持申请或可正常开卡使用
31条
不支持或受限开户/功能
63条
资料不足，状态待确认
0条
暂无记录
我们正在持续更新中
1、中国大陆：不可申请；历史产品也未将中国大陆列入合资格地区，当前没有新卡开通、充值或持续服务入口，境外 Visa 可按微信支付和支付宝规则绑卡。
2、香港：不可申请；历史支持范围仅覆盖欧洲经济区及英国，但已持卡用户可继续在接受 Visa 的线上及线下商户消费，Plastic 还可在支持 Visa 的 ATM 提取现金。
3、澳门：不可申请；历史申请资格不包括中国澳门，但已持卡用户可继续在接受 Visa 的线上及线下商户消费，Plastic 还可在支持 Visa 的 ATM 提取现金。
4、台湾：不可申请；历史申请范围不包括中国台湾，当但已持卡用户可继续在接受 Visa 的线上及线下商户消费，Plastic 还可在支持 Visa 的 ATM 提取现金。
开户前需完成身份验证，以下为当前核验要求与限制说明
是否需要 KYC
是
KYC 等级
完整 KYC
居住证明
需要
护照、身份证、驾驶证
资料完整后进入审核，Walletto 按三工作日处理周期执行。
Sum&Substance
2026/08/07
查看各类支付场景的支持状态及更新时间，便于您快速了解当前可用性。i
兼容性概览
共 12 项场景支持
10项
不支持
2项
数据更新时间
2026/08/07
钱包支付
更新时间 2026/08/07
钱包支付
更新时间 2026/08/07
现金服务
更新时间 2026/08/07
AI 工具
更新时间 2026/08/07
AI 工具
更新时间 2026/08/07
钱包支付
更新时间 2026/08/07
AI 工具
更新时间 2026/08/07
线下支付
更新时间 2026/08/07
线上购物
更新时间 2026/08/07
钱包支付
更新时间 2026/08/07
订阅服务
更新时间 2026/08/07
钱包支付
更新时间 2026/08/07
查看这张卡片的编辑评测、结论和最近更新时间。
暂无深度评测
这张卡片暂未发布评测；发布后会显示在这里。
经核实并发布的卡片变化记录，按发生时间排列。
暂无已确认的变化
该卡片还没有已确认并发布的变化记录。新的变化经核实后会出现在这里。
展示最新 10 条已批准入库、并已匹配当前卡片的评论
A good wallet. More importantly, when an issue came up, I reached out via the bot—they responded right away, and after a short wait, everything was working again. Well done!
Hello, Thanks for sharing your feedback on our support team. We appreciate you reaching out with the issue — such positive interactions are what truly make our service better every day. We wish you an enjoyable experience with Guarda. Best regards.
I have been using GW for years. Guarda support is excellent.
Hello, Thank you for choosing Guarda and being with us along the way. Your trust in us means a lot, and we're glad our support team has been able to provide you with excellent service. We appreciate your support! Best regards.
My Guarda wallets are so easy to manage. Buying, swapping, and sending crypto via Guarda is painless and, most importantly, secure.
Hello Greg, We're committed to making cryptocurrency management as smooth and secure as possible, and it's great to hear that we're hitting the mark. Thanks again for choosing Guarda and for sharing your positive experience! Best regards.
Great
Thank you for your feedback! We appreciate your support and are glad you’re enjoying Guarda Wallet.
Scam app
Thank you for your feedback. Could you please tell us more about your experience and why you feel this way? We’d like to understand what happened and help you resolve any issues. Please contact us only through our official support channels at support@guarda.com or via our official website.
fast and good
Hello, We're glad you had a good experience with our wallet, and thanks for sharing your positive feedback. Thank you for choosing Guarda. We wish you all the best!
I when too thx
Hello Mateen, Thank you for choosing us and for taking the time to leave a 5-star review. We truly appreciate your feedback. Best regards.
I don't trust this gurada wallet, my money was truck in this wallet
Thank you for your feedback. Guarda Wallet is non-custodial, and your funds are recorded on the blockchain, not held by us. Please check your balance on a blockchain explorer. If your balance isn’t displaying correctly due to a synchronization issue, contact us at support@guarda.com, and we’ll help investigate.
handy wallet site for payments, easy to create account, easy to login, easy to make extra wallets if needed, easy to make payments - just don't tick the add network fees box cause then it deducts it from the amount u r sending to someone!
Hi Clara, Glad to see you're enjoying the convenience of our service. Our main goal is to keep the user experience straightforward while implementing additional features to suit any extra tasks you may require. Thank you for your 5-star review; it helps us improve. We wish you all the best.
After a week of waiting for a solution to the problem of converting a hexadecimal private key into a Waves address, I concluded that the Guarda team cannot be relied upon if something goes wrong.!? The shock came when I discovered that the Waves address was generated using the SHA-512 hash of my private key, rather than the private key itself. Even worse, there was no response for a week and absolutely no explanation provided. I advise against using Guarda to create a wallet for any cryptocurren
更新时间：2026/07/25
暂无风险因素
以下回答整理自本页已发布的卡片记录。
我们记录的 Guarda Card 认证要求为：完整 KYC。证件和审核细节见本页「KYC 要求」。
Apple Pay：支持；Google Pay：支持。
我们记录到 Guarda Card 支持：USDT、BTC、ETH、XRP、ADA、DOGE、TRX和DOT 等 12 种。
Guarda Card 提供：虚拟卡和实体卡。
我们记录到 31 个国家或地区可用、63 个受限。逐个国家的状态见本页「地区和语言支持」。
Guarda Card 由 Guarda Wallet 运营，卡组织为 Visa。
