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TTap Card logo

Tap Card

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

提交使用反馈
发卡网络
Mastercard
产品类型
加密预付卡
卡片形态
虚拟卡+实体卡
运营状态
正常运营
KYC 级别
完整 KYC
商业关系
无商业关系
风险分数
80-89
支持资产
USDT/USDC/BTC/ETH/SOL/XRP/ADA/DOGE/DOT/LINK/MATIC/LTC/DAI/UNI/EUR/GBP
最近更新
2026/09/15

官方与公司信息

发行方与公司资质概览

已验证emiMastercard Card

Tap Card 由注册于直布罗陀的 Tap Global Limited 负责平台运营和项目管理,该公司注册号为 118724,并持有直布罗陀金融服务委员会颁发的分布式账本技术牌照。Mastercard 卡片由 Transact Payments Limited 发行,该机构注册于直布罗陀,注册号为 108217,并作为受监管电子货币机构承担卡片发行和电子货币服务。不同地区的账户服务还可能由 Moorwand Ltd、Heuro SAS 等合作支付机构提供。

公司 / 发行方
tap(Tap Card)
法律名称
tap Global Group Plc
注册地区
直布罗陀(GI)
总部
直布罗陀
公司类型
emi
核验状态
已验证
发行方官网
官方链接
办卡入口
办卡链接

卡片概览

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。

Mastercard 卡体验地区可用性权益条款变化
i

提示:暂无提示。

卡片形态与费用差异

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

Tap Essential Card
Tap Plus Card
Tap Prime Card
Tap Premier Card
Tap Platinum Card
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
横向拖动查看其他卡片

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。

地区和语言支持

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。

可申请地区

支持申请或可正常开卡使用

32

🇩🇪德国DE🇪🇸西班牙ES🇨🇿捷克CZ🇮🇪爱尔兰IE🇱🇺卢森堡LU🇱🇮列支敦士登LI🇱🇻拉脱维亚LV🇪🇪爱沙尼亚EE🇭🇷克罗地亚HR🇵🇱波兰PL🇫🇷法国FR🇷🇴罗马尼亚RO🇵🇹葡萄牙PT🇧🇪比利时BE🇬🇷希腊GR🇩🇰丹麦DK🇳🇱荷兰NL🇮🇹意大利IT🇲🇹马耳他MT🇨🇾塞浦路斯CY🇮🇸冰岛IS🇳🇴挪威NO🇧🇬保加利亚BG🇭🇺匈牙利HU🇸🇮斯洛文尼亚SI🇫🇮芬兰FI🇦🇹奥地利AT🇬🇧英国GB🇸🇰斯洛伐克SK🇬🇮直布罗陀GI🇱🇹立陶宛LT🇸🇪瑞典SE
证据来源
官方支持
更新时间
2026/07/20

不支持或受限地区

不支持或受限开户/功能

213

🇨🇳中国大陆CN🇮🇳印度IN🇺🇸美国US🇮🇩印度尼西亚ID🇵🇰巴基斯坦PK🇳🇬尼日利亚NG🇧🇷巴西BR🇧🇩孟加拉国BD🇷🇺俄罗斯RU🇪🇹埃塞俄比亚ET🇲🇽墨西哥MX🇯🇵日本JP🇪🇬埃及EG🇵🇭菲律宾PH🇨🇩刚果(金)CD🇻🇳越南VN🇮🇷伊朗IR🇹🇷土耳其TR🇹🇭泰国TH🇬🇪格鲁吉亚GE🇰🇼科威特KW🇧🇫布基纳法索BF🇻🇨圣文森特和格林纳丁斯VC🇵🇦巴拿马PA🇱🇾利比亚LY🇪🇭西撒哈拉EH🇰🇬吉尔吉斯斯坦KG🇧🇿伯利兹BZ🇲🇭马绍尔群岛MH🇬🇵瓜德罗普GP🇨🇨科科斯(基林)群岛CC🇨🇮科特迪瓦CI🇧🇮布隆迪BI🇹🇲土库曼斯坦TM🇸🇦沙特阿拉伯SA🇸🇹圣多美和普林西比ST🇸🇳塞内加尔SN🇳🇮尼加拉瓜NI🇲🇫法属圣马丁MF🇦🇸美属萨摩亚AS🇷🇸塞尔维亚RS🇦🇬安提瓜和巴布达AG🇬🇾圭亚那GY🇱🇰斯里兰卡LK🇹🇨特克斯和凯科斯群岛TC🇸🇩苏丹SD🇧🇼博茨瓦纳BW🇰🇮基里巴斯KI🇸🇯斯瓦尔巴和扬马延SJ🇹🇱东帝汶TL🇹🇬多哥TG🇳🇵尼泊尔NP🇱🇨圣卢西亚LC🇦🇺澳大利亚AU🇦🇷阿根廷AR🇲🇺毛里求斯MU🇷🇼卢旺达RW🇬🇹危地马拉GT🇬🇲冈比亚GM🇸🇾叙利亚SY🇹🇻图瓦卢TV🇬🇭加纳GH🇱🇷利比里亚LR🇹🇰托克劳TK🇳🇷瑙鲁NR🇨🇷哥斯达黎加CR🇫🇰福克兰群岛FK🇿🇦南非ZA🇧🇭巴林BH🇲🇨摩纳哥MC🇭🇰香港HK🇬🇩格林纳达GD🇭🇹海地HT🇴🇲阿曼OM🇨🇻佛得角CV🇩🇲多米尼克DM🇦🇱阿尔巴尼亚AL🇦🇿阿塞拜疆AZ🇲🇪黑山ME🇦🇽奥兰群岛AX🇬🇫法属圭亚那GF🇧🇲百慕大BM🇰🇷韩国KR🇸🇬新加坡SG🇯🇲牙买加JM🇦🇫阿富汗AF🇰🇪肯尼亚KE🇬🇳几内亚GN🇹🇳突尼斯TN🇬🇱格陵兰GL🇻🇮美属维尔京群岛VI🇲🇱马里ML🇾🇪也门YE🇱🇸莱索托LS🇸🇽荷属圣马丁SX🇰🇭柬埔寨KH🇹🇹特立尼达和多巴哥TT🇻🇬英属维尔京群岛VG🇧🇸巴哈马BS🇲🇲缅甸MM🇩🇴多米尼加共和国DO🇨🇫中非共和国CF🇨🇦加拿大CA🇺🇬乌干达UG🇪🇨厄瓜多尔EC🇲🇻马尔代夫MV🇧🇹不丹BT🇭🇲赫德岛和麦克唐纳群岛HM🇦🇮安圭拉AI🇦🇼阿鲁巴AW🇺🇦乌克兰UA🇫🇲密克罗尼西亚FM🇧🇯贝宁BJ🇩🇯吉布提DJ🇨🇭瑞士CH🇨🇬刚果(布)CG🇹🇴汤加TO🇸🇭圣赫勒拿SH🇨🇰库克群岛CK🇦🇶南极洲AQ🇨🇺古巴CU🇦🇩安道尔AD🇧🇱圣巴泰勒米BL🇧🇴玻利维亚BO🇧🇳文莱BN🇾🇹马约特YT🇦🇲亚美尼亚AM🇸🇲圣马力诺SM🇺🇲美国本土外小岛屿UM🇬🇶赤道几内亚GQ🇲🇿莫桑比克MZ🇲🇳蒙古MN🇲🇼马拉维MW🇹🇯塔吉克斯坦TJ🇳🇪尼日尔NE🇵🇬巴布亚新几内亚PG🇼🇫瓦利斯和富图纳WF🇰🇲科摩罗KM🇲🇶马提尼克MQ🇵🇷波多黎各PR🇳🇫诺福克岛NF🇵🇳皮特凯恩群岛PN🇯🇴约旦JO🇰🇿哈萨克斯坦KZ🇲🇾马来西亚MY🇮🇴英属印度洋领地IO🇸🇻萨尔瓦多SV🇮🇶伊拉克IQ🇲🇸蒙特塞拉特MS🇻🇪委内瑞拉VE🇨🇱智利CL🇫🇴法罗群岛FO🇳🇺纽埃NU🇧🇾白俄罗斯BY🇹🇩乍得TD🇳🇦纳米比亚NA🇨🇼库拉索CW🇨🇴哥伦比亚CO🇶🇦卡塔尔QA🇵🇼帕劳PW🇬🇦加蓬GA🇻🇺瓦努阿图VU🇱🇧黎巴嫩LB🇸🇿斯威士兰SZ🇲🇬马达加斯加MG🇰🇾开曼群岛KY🇨🇲喀麦隆CM🇲🇷毛里塔尼亚MR🇲🇴澳门MO🇹🇼台湾TW🇷🇪留尼汪RE🇵🇪秘鲁PE🇸🇱塞拉利昂SL🇿🇼津巴布韦ZW🇺🇾乌拉圭UY🇯🇪泽西岛JE🇲🇵北马里亚纳群岛MP🇦🇪阿联酋AE🇨🇽圣诞岛CX🇸🇸南苏丹SS🇹🇿坦桑尼亚TZ🇮🇱以色列IL🇫🇯斐济FJ🇰🇳圣基茨和尼维斯KN🇧🇻布韦岛BV🇺🇿乌兹别克斯坦UZ🇱🇦老挝LA🇿🇲赞比亚ZM🇬🇼几内亚比绍GW🇲🇰北马其顿MK🇭🇳洪都拉斯HN🇼🇸萨摩亚WS🇩🇿阿尔及利亚DZ🇳🇨新喀里多尼亚NC🇪🇷厄立特里亚ER🇬🇺关岛GU🇸🇧所罗门群岛SB🇹🇫法属南部领地TF🇧🇧巴巴多斯BB🇮🇲马恩岛IM🇸🇨塞舌尔SC🇲🇩摩尔多瓦MD🇻🇦梵蒂冈VA🇬🇸南乔治亚和南桑威奇群岛GS🇬🇬根西岛GG🇲🇦摩洛哥MA🇵🇾巴拉圭PY🇦🇴安哥拉AO🇰🇵朝鲜KP🇸🇷苏里南SR🇸🇴索马里SO🇧🇦波斯尼亚和黑塞哥维那BA🇵🇫法属波利尼西亚PF
证据来源
官方限制
更新时间
2026/07/20

未确认地区

资料不足,状态待确认

0

暂无记录

我们正在持续更新中

证据来源
已确认
更新时间
2026/07/20

中国大陆适用性

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。

证据来源
公开资料、官方政策、用户反馈
更新时间
2026/08/04

温馨提示:政策可能随时变动,建议以发卡行最新政策为准。

数据更新于 2026/09/15

KYC 要求

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

需要

KYC 等级

完整 KYC

已通过标准

居住证明

需要

需要

支持证件

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

审核时间 / 地区限制

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

KYC 服务商

Sumsub

更新时间

2026/08/04

支付兼容性

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

不支持

1

数据更新时间

2026/08/04

钱包支付

支付宝

支持

更新时间  2026/08/04

钱包支付

Apple Pay

×不支持

更新时间  2026/08/04

现金服务

ATM 取现

支持

更新时间  2026/08/04

AI 工具

ChatGPT

支持

更新时间  2026/08/04

AI 工具

Claude

支持

更新时间  2026/08/04

钱包支付

Google Pay

支持

更新时间  2026/08/04

AI 工具

Midjourney

支持

更新时间  2026/08/04

线下支付

线下刷卡

支持

更新时间  2026/08/04

线上购物

线上购物

支持

更新时间  2026/08/04

钱包支付

PayPal

支持

更新时间  2026/08/04

订阅服务

订阅支付

支持

更新时间  2026/08/04

钱包支付

微信支付

支持

更新时间  2026/08/04

深度评测

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。

最近变化

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。

用户评论

192

展示最新 10 条已批准入库、并已匹配当前卡片的评论

最新优先
Susan BowieGoogle Play自动审核入库第三方评价★ 1 / 5
原文

Tap - Mobile Finance Google Play review - 1 star

rubbish

J. van KluijvenTrustpilot已审核入库第三方评价★ 1 / 5
原文

Tap Electric weigert geleverde stroom…

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.

greg mTrustpilot已审核入库第三方评价★ 1 / 5
原文

A scam!

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!

官方回复

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

Pichumani ChellappaGoogle Play自动审核入库第三方评价★ 5 / 5
原文

Tap - Mobile Finance Google Play review - 5 star

very good app

Tish ProvenceTrustpilot已审核入库第三方评价★ 5 / 5
原文

Great app and customer service!

官方回复

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.

ClaireTrustpilot已审核入库第三方评价★ 1 / 5
原文

They transferred my portfolio to themselves!!!!!!

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.

官方回复

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

Brian Amed León SuárezTrustpilot已审核入库第三方评价★ 5 / 5
原文

Super great experience recomended 100%

官方回复

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

MickaelTrustpilot已审核入库第三方评价★ 5 / 5
原文

It's been 4 years now i m with em and…

It's been 4 years now i m with em and never disappointed Fast reaction and great services Great bank I recommend it

官方回复

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 🚀

R.Trustpilot已审核入库第三方评价★ 1 / 5
原文

Tap Stakeholder sending Vulgar Threats to a Customer

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.

官方回复

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

Jurrien SteenTrustpilot已审核入库第三方评价★ 5 / 5
原文

Tap is the best company so far.

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.

官方回复

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 🚀

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更新时间:2026/07/20

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