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
USDT
USDC
BTC
ETH
SOL
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ADA
DOGE
DOT
LINK
MATIC
LTC
DAI
UNI
EUR
GBP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。
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
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
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
I’ve been using TAP for quite some time, and I can honestly say that their customer support has always been excellent! This wasn’t my first time contacting them, and every single time I’ve received friendly, professional, and surprisingly fast assistance. Most recently, Elena helped me resolve an issue with my expired card and transfer my remaining funds. She was incredibly kind, patient, and efficient, and everything was sorted out very quickly. It’s really reassuring to know that whenever I need help, there’s a great support team ready to assist. I truly appreciate their dedication and hope to continue using TAP for many years to come. A big thank you to Elena and the entire TAP support team! Keep up the great work! ❤️👏
I initially invested thousands of euros in TAP tokens, which later crashed by over 80%. I decided to hold them and wait for the market to recover. Tap then changed its terms and introduced an inactivity fee. Almost immediately, they charged it without clearly warning me. The fee took roughly one third of my remaining portfolio. After already losing over 80%, this was extremely disappointing. A complete rip-off. Never using this app again
Y CANT I GET MY ACCOUNT
Don’t buy crypto you can’t sell it again …. Almost 1 week now I haven’t been able to sell my TAP Crypto so I have lost money.
Agradezco la profesionalidad, amabilidad y resolución de problemas que, desde el servicio al cliente recibo ,cada vez que me surge cualquier tema. Rapidez y resolución.
Hi, Thank you so much for your kind words! 😊 We’re really happy to hear that you’ve found our customer support team professional, kind, and effective whenever you’ve needed help. It means a lot to know that we’ve been able to resolve your issues quickly and make your experience with Tap a positive one. We truly appreciate your trust and support. 🙏 Best regards, Tap Team
slow and poor service
The best service I have ever experienced! Honestly, Tap is the best thing I have. The customer support is incredibly fast, professional, and so kind. Every time I needed help, they solved it immediately with a lot of patience and respect. I am really grateful for their amazing team. You can truly trust them. Highly recommended! 5 stars well deserved.
Hi, Thank you so much for your amazing review! 😊 It really means a lot to hear that you’ve had such a positive experience with Tap and our support team. We’re especially happy to know that you’ve felt supported, listened to, and well looked after whenever you needed us. We truly appreciate your trust and recommendation. We’ll make sure to share your kind words with the team. 🙏 Best regards, Tap Team
Missing deposits that I put into Tap and also when I went to withdraw cash it showed completed into my bank but I never received the money, don’t know if it’s a transfer/deposit issue they’re experiencing but I’m getting nowhere with it, I’ve contacted my bank regarding this, they’ve not received anything or have anything pending which makes me worry where my money has gone.
Hi, We’re sorry to hear about your experience with your deposits and withdrawal. We understand how concerning it can be when a withdrawal shows as completed but the funds haven’t reached your bank account. We appreciate that you’ve already contacted your bank and apologise for the frustration this has caused. Please contact our support team so we can review the details of your case and help clarify what happened. Should you wish to discuss your experience further, our team remains available to assist. Best regards, Tap Team
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.
Hi, We’re sorry to hear you had this experience. We understand why you’d be concerned if you believed you were owed payment for electricity you supplied. We appreciate that the situation was frustrating and apologise for any inconvenience caused. Although your review was posted some time ago, we’d still be happy to look into the details of your case and clarify what happened. Should you wish to discuss your experience further, our team remains available to assist. Best regards, Tap Team
更新时间：2026/07/20
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 Tap Card 认证要求为：完整 KYC。证件和审核细节见本页「KYC 要求」。
Apple Pay：不支持；Google Pay：支持。
我们记录到 Tap Card 支持：USDT、USDC、BTC、ETH、SOL、XRP、ADA和DOGE 等 16 种。
Tap Card 提供：虚拟卡+实体卡。
我们记录到 32 个国家或地区可用、213 个受限。逐个国家的状态见本页「地区和语言支持」。
Tap Card 由 Tap 运营，卡组织为 Mastercard。
