可申请地区
支持申请或可正常开卡使用
32条
- 证据来源
- 官方支持
- 更新时间
- 2026/07/20

最近更新:2026/09/15
Tap Card 是 Tap Global 提供的加密资产支付卡,用户可在 Tap 应用中持有、买卖和转换加密货币,并将兑换后的法币余额用于卡片消费。产品提供虚拟卡和实体卡,支持全球 Mastercard 商户线上付款、线下刷卡和 ATM 取现,并按照 Essential 至 Prestige 六个方案提供不同等级的 XTP 返现、消费额度和取现权益,适合需要整合加密资产管理、法币账户和日常支付功能的用户
用户完成身份验证后,可在 Tap 应用内开立电子货币账户,使用银行转账、银行卡或加密资产为账户增加资金。加密资产需要先在平台内兑换为法币,再转入可用卡片余额;交易时不会直接从链上钱包扣除加密货币。虚拟卡适合线上购物,实体卡可用于芯片、非接触式支付和 ATM 取现,用户可以通过应用冻结或解冻卡片并接收实时交易通知。Tap 设有 Essential、Plus、Prime、Premier、Platinum 和 Prestige 六个方案,较高等级需要锁定相应价值的 XTP 十二个月,可提高加密货币返现比例、月度消费限额和免费 ATM 取现额度。卡片可在接受 Mastercard 的商户和 ATM 使用,但开户和发卡资格受居住国家限制。
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
T Tap Essential Card | T Tap Plus Card | T Tap Prime Card | T Tap Premier Card | T Tap Platinum Card | T Tap Prestige Card | |
|---|---|---|---|---|---|---|
| 卡片类型 | 虚拟卡+实体卡 | 虚拟卡+实体卡 | 虚拟卡+实体卡 | 虚拟卡+实体卡 | 虚拟卡+实体卡 | 虚拟卡+实体卡 |
| 费用 | ||||||
| 月费 | 免费 | 免费 | 免费 账户方案不收月费 | 免费 | 免费 | 免费 |
| 开卡费 | 4.99 EUR 升级费用 | 4.99 EUR 升级费用 | 4.99 EUR 升级费用 | 4.99 EUR 升级费用 | 4.99 EUR 升级费用 | 4.99 EUR 升级费用 |
| ATM 取现费 | 免费 限方案免费额度 | 免费 限方案免费额度 | 免费 限方案免费额度 | 免费 限方案免费额度 | 免费 限方案免费额度 | 免费 方案内不限额免费 |
| 货币转换费 | 1.99% 非欧元卡消费换汇 | 1.49% 非欧元卡消费换汇 | 0.99% 非欧元卡消费换汇 | 0.75% 非欧元卡消费换汇 | 0.5% 非欧元卡消费换汇 | 0.25% 非欧元卡消费换汇 |
| 充值费 | — | — | — | — | — | — |
| 交易失败费 | — | — | — | — | — | — |
| 奖励 | ||||||
| 返现 | — | — | — | — | — | — |
| 加密货币返现 | 0.5% 消费结算后发放 | 1.5% 消费结算后发放 | 3% 消费结算后发放 | 4% 消费结算后发放 | 6% 消费结算后发放 | 8% 以XTP发放,消费结算后发放 |
| 质押奖励 | — | 300 EUR Plus等级权益,锁定€300等值XTP | 2,000 EUR Prime 等级权益,锁定€2,500等值XTP | 5,000 EUR Premier 等级权益,锁定€5,000等值XTP | 15,000 EUR Platinum 等级权益,锁定€15,000等值XTP | 25,000 EUR Prestige等级权益,需锁定€25,000等值XTP |
| 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 | 15,000 EUR 自然月累计支出 | 15,000 EUR 自然月累计支出 | 15,000 EUR 自然月累计支出 | 15,000 EUR 自然月累计支出 | 25,000 EUR 自然月累计支出 | 30,000 EUR 自然月累计支出 |
| ATM 取款限额 | 500 EUR 每月免费额度,超过额度另计费用 | 500 EUR 每月免费额度,超过额度另计费用 | 500 EUR 每月€500免费额度,超过额度另计费用 | 500 EUR 每月免费额度,超过额度另计费用 | 1,000 EUR 每月€1,000免费额度,超过额度另计费用 | 无限 不限额免费额度,ATM方仍可另收费 |
| 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
32条
不支持或受限开户/功能
213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:中国大陆居民不可申请;已在支持地区发行的卡片可在接受 Mastercard 的商户和 ATM 使用,并可尝试绑定微信支付或支付宝。
2、香港:中国香港居民不可申请;已发行卡可用于当地接受 Mastercard 的线上、线下商户和支持境外卡取现的 ATM。
3、澳门:中国澳门居民不可申请;已发行卡可在接受 Mastercard 的商户和 ATM 使用,交易按卡片账户币种进行换汇。
4、台湾:中国台湾居民不可申请;已发行卡可在当地接受 Mastercard 的线上和线下商户使用,实体卡支持 ATM 取现。
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、驾驶执照、政府签发身份证件、银行对账单、水电账单、税务文件、政府签发地址文件
自动审核通常数分钟,人工合规复核最长可持续十个工作日
Sumsub
2026/08/04
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
11项
不支持
1项
数据更新时间
2026/08/04
钱包支付
更新时间 2026/08/04
钱包支付
更新时间 2026/08/04
现金服务
更新时间 2026/08/04
AI 工具
更新时间 2026/08/04
AI 工具
更新时间 2026/08/04
钱包支付
更新时间 2026/08/04
AI 工具
更新时间 2026/08/04
线下支付
更新时间 2026/08/04
线上购物
更新时间 2026/08/04
钱包支付
更新时间 2026/08/04
订阅服务
更新时间 2026/08/04
钱包支付
更新时间 2026/08/04
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
rubbish
Tap Electric weigert geleverde stroom uit te betalen op basis van een 3-maandenregel die niet eens in hun eigen algemene voorwaarden staat. Klantenservice weigert te escaleren.
A scam! I opened my account and completed all the verification requirements. A few days later, I received a transfer of 1,500 USDT. Since I wasn't using the funds, I decided to put them into the Earn (staking) program, which offered a good interest rate. Before doing so, I contacted customer support, and they assured me that I could withdraw the funds at any time. However, on Saturday I decided to withdraw my money, and the funds simply disappeared. My account balance dropped to zero. Customer support was unable to help. Apparently, nobody works on weekends, so you leave your money with them, and if something goes wrong, there's no one available to assist you. It wasn't until Monday that customer service replied, saying they would investigate what had happened. Then, a few hours later, I received an email asking me to submit all my KYC documents again, without providing any explanation about where my funds are. I do not recommend opening an account with TAP. It is an absolute disgrace!
Hi Greg, Thank you for sharing your feedback. We're sorry to hear that your experience did not meet your expectations. We would like to clarify that our support team operates 7 days a week, including weekends. While response times may occasionally be longer during busy periods, your case remained under active review throughout. We understand that the temporary unavailability of your funds caused concern. However, as confirmed by our team, your assets were not lost and the matters raised were subsequently resolved. The additional verification request you received formed part of our regulatory obligations and account security procedures. These checks may occasionally be required to protect customers and ensure compliance with applicable regulations. We appreciate that the situation was frustrating and apologise for any inconvenience caused. Should you wish to discuss your experience further, our team remains available to assist. Best regards, Tap Team
very good app
Great app and customer service!
Hi, Thank you for your kind words and for taking the time to leave a review! We're delighted to hear that you've had a positive experience with both the app and our customer support team. Feedback like yours means a lot to us and motivates us to continue improving our services. Thank you for being part of the Tap community.
I just logged in to my account to see 6,508 XTP mysteriously transferred via a transaction in March 2026 which I did not authorise. On trying to track it there was no information available so I contacted through the get help function. I was told quite bluntly that they transferred it to themselves as an inactivity fee!!!! Absolute scammers, no wonder they struggled to get regulated. Not only is that ‘fee’ disproportionate and illegal you have a duty to inform me of upcoming fees. Regardless the point of investments is to hold them until the time is right for you to sell, and I was holding because their coin tanked so much I had no choice but to wait out a hopeful rebound. This is just disgusting profiteering and I don’t believe it’s legal. Watch out they can and will access your money at any time without your knowledge and you’ll find out by accident when it’s too late and it’s all gone in their greedy pockets. Reporting to GFSC and every relevant authority.
Hi, Thank you for taking the time to share your feedback. We're sorry to hear that you're unhappy with your experience. The transaction you are referring to relates to an inactivity fee applied in accordance with our Fees & Limits schedule and Terms & Conditions, which are available to all customers within the app and on our website. The fee was not a transfer initiated by Tap for its own benefit, nor was it an unauthorised transaction. We understand that fees can be frustrating, particularly during periods when markets are performing poorly. However, inactivity fees are disclosed as part of the account terms and are applied automatically where the applicable conditions are met. We take regulatory compliance and customer transparency seriously and would be happy to review your case further should you wish to contact our support team directly. Kind regards, Tap Team
Super great experience recomended 100%
Hi Brian, Thank you for your fantastic review! We're delighted to hear you've had such a great experience with Tap. Your support means a lot to us, and we're grateful for your recommendation. Thank you for being part of the Tap community! Kind regards, Tap Team
It's been 4 years now i m with em and never disappointed Fast reaction and great services Great bank I recommend it
Thank you so much for your support and for being with Tap😊 We’re truly happy to hear that our fast support and services have met your expectations throughout your journey with us. Feedback like yours means a lot to the whole team. Thank you again for the recommendation and for being part of the Tap community 🚀
A stakeholder/managing partner of Tap sent vulgar and threatening messages to a Tap customer in a vulnerable situation. Upon raising these serious issues to Tap, I have received nothing but radio silence. -- Edit after response below. The individual mentioned has a well documented history with Tap and verified social media accounts. Tap have refused to engage regarding this situation since 2024 and this is the first time they've taken a stance on the matter. Please make your own decisions.
Thank you for bringing this to our attention. Tap does not have any “managing partner” or representative who would contact customers in this manner. Messages containing threats, abusive language, or inappropriate behaviour are not associated with Tap and do not reflect how we operate as a company. Based on the information provided, this appears to be a third-party impersonator with no affiliation to Tap. We strongly advise against sharing any personal information, account details, or funds with anyone claiming to represent Tap outside of our official communication channels. For your security, always ensure communications are sent through the Tap app or from official @withtap.com email addresses. Kind regards, The Tap Team
Tap is the best company so far. I use it for payments with the tab card. Costumer support is very good and useful. I would like to see xtp coin on the big exchanges and the possibility to stake xtp in the tap app. I would like to tier up on tap card but i don’t put that amount of money in a coin that is not tradable.
Thank you so much for the amazing review and for supporting Tap! We’re really happy to hear you’re enjoying the card for everyday payments and that our support team has been helpful along the way 💙 We also truly appreciate your honest feedback regarding XTP. We completely understand your point around liquidity and accessibility when it comes to tiering up, and feedback like this is incredibly valuable for the team as we continue building and expanding the ecosystem around XTP. Thanks again for being part of the Tap community, and we’re excited to keep improving the experience for you 🚀
更新时间:2026/07/20
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