最近更新：2026/09/15
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。
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。
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
基于已核实记录写成的产品评测，结论与更新时间一并列出。
暂无深度评测
这张卡片还没有发布评测。发布后会出现在这里，并在上游数据变化时标记为待更新。
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
My Crypto dissapeared,do not use this wallet,not safe and they do not care about your Crypto
Thank you for sharing your experience. We understand how concerning it can be to see your crypto balance missing. Your funds cannot simply disappear from the blockchain, so if you haven’t shared your backup or private keys, please contact us at support@guarda.com with more details about what you’re seeing – we’ll help you understand what happened
I love the fact that you don't have to do kyc verification anytime you want to buy crypto, but I would love it if buying of crypto was available for all countries 😀
Thank you for your feedback! Crypto purchases are processed through our third-party partners, so availability may vary depending on their supported countries and requirements. We appreciate your understanding and your feedback as we continue working with our partners to improve availability! ✨
Ease of use and quality of service in a reasonable timeframe. You are a solution to so much that I have been struggling with for years.
РУССКОЙ ЛОКАЛИЗАЦИИ НЕТ!!!
I thought I'd lost $40 USD but customer support was top class foun
Hi Matthew! We’re really glad our support team could help get things sorted so quickly. Thank you for the 5 stars and for sharing your experience. Wishing you all the best!
transfer litecoin from coinbase to guarda wallet waiting for it to land not sure how many confirmation s
Thank you for your feedback. Litecoin deposits are credited after the transaction receives the required network confirmations. If your LTC deposit is taking longer than expected, please contact us at support@guarda.com and we’ll check it.
Good...........................
Hi SSDD! Good........................... we’ll take it Thanks for the review — we’re happy to keep it that way! Wishing you all the best!
Their customer support team is responsive, and quick. They solve your problems fully. NO AI BS when you need support it connects you directly to a human support team member. I really appreciated that, because it's one of the only places so far that doesn't do the AI bs support chat. I've used this many times for private transactions, and they have been great for anonymous, XMR, and other types of obfuscated cryptos. I have never once had a problem where I lost money. Never. the interface is simple enough that even a layman can understand exactly what they're doing and how. I really recommend guarda in certain circumstances. They're great.
Hi Alexia! Thank you so much for this review. We’re especially happy to hear that being able to reach a real person when you need help has made a difference. It’s also great to know Guarda has been a smooth and reliable part of your experience over time. We really appreciate your trust, your recommendation, and the time you took to share all of this. Wishing you all the best!
Good service!
Hi Ferdy! Thanks so much for the kind words. We’re glad you had a good experience with Guarda. We really appreciate your support and wish you all the best!
Easy to use. Just a few steps on occasion.
Hi Calvin! Thank you for taking the time to leave a review. We’re happy to hear Guarda keeps things simple and doesn’t make you jump through unnecessary hoops. We truly appreciate your support and wish you all the best!
更新时间：2026/07/25
暂无风险因素
