最近更新：2026/09/18
UltimoPay Platinum Visa Debit Card 是连接老挝 Joint Development Bank 美元离岸银行账户的实体 Visa 借记卡。用户可将 BTC、USDT 等受支持资产存入 UltimoPay Wallet，兑换为美元后加载至银行账户，再用于线上购物、实体商户付款和 ATM 取现。产品具有较高开卡成本，并要求完成银行开户和完整身份验证。
USDT
USDC
BTC
ETH
SOL
USD用户注册 UltimoPay 账户后，需要填写职业、婚姻状态、联系电话、英文地址和身份证件资料，签署银行开户文件，并提交身份证件及持证自拍。审核通过并支付 600 美元后，Joint Development Bank 为用户开立美元账户并寄送实体卡，其中150美元计入银行账户余额。用户先在 UltimoPay Wallet 存入并兑换加密资产，再选择免费但需等待72小时的加载方式，或支付1%费用进行当日加载。卡片支持线上、线下及ATM交易，但其合作银行自2026年5月14日起受到欧盟金融交易限制，欧洲地区的卡片使用和资金通道存在较高不稳定性。
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
U UltimoPay Platinum Visa Debit Card | |
|---|---|
| 卡片类型 | 实体卡 |
| 费用 | |
| 月费 | — |
| 开卡费 | 600 USD 其中一百五十美元入账 |
| ATM 取现费 | 0.75% ATM运营方可另收费 |
| 货币转换费 | — |
| 充值费 | 1% 延迟加载免费，当日百分之一 |
| 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 | 无限 受账户可用余额限制 |
| 每月支出限额 | 无限 受账户可用余额限制 |
| ATM 取款限额 | 20,000 USD 周期及金额依国家调整 |
| 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
55条
不支持或受限开户/功能
37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，须以护照或其他合资格证件通过JDB开户审核；已发行卡可在Visa商户使用，但跨境交易和境内支付钱包绑定存在限制。
2、香港：不可申请，须完成英文地址、身份证件、自拍和银行文件审核；已持卡用户可在香港Visa商户及ATM使用。
3、澳门：不可申请，须通过平台及JDB远程开户审核；已发行卡可在澳门Visa线上商户、实体商户和ATM使用。
4、台湾：不可申请，须提交合资格证件并通过银行审核；已发行卡可在台湾Visa商户使用，实际交易受发卡行风控限制。
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
不需要
护照、驾驶证
证件及自拍由人工审核，正常处理需数个银行工作日
Joint Development Bank
2026/08/01
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兼容性概览
共 12 项场景支持
4项
不支持
8项
数据更新时间
2026/08/01
钱包支付
更新时间 2026/08/01
钱包支付
更新时间 2026/08/01
现金服务
更新时间 2026/08/01
AI 工具
更新时间 2026/08/01
AI 工具
更新时间 2026/08/01
钱包支付
更新时间 2026/08/01
AI 工具
更新时间 2026/08/01
线下支付
更新时间 2026/08/01
线上购物
更新时间 2026/08/01
钱包支付
更新时间 2026/08/01
订阅服务
更新时间 2026/08/01
钱包支付
更新时间 2026/08/01
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。
已展示全部 7 条已批准入库、并已匹配当前卡片的评论
I am a user not affiliated in any way but the negative reviews here are not accurate. Yes there is a fee to open the account and receive the card but that is a one off and is because of the offshore account that is created for you to give you privacy. That financial and spending privacy (through Visa) is worth every penny in my view. Yes as of today the card is blocked in EU and UK because of blanket sanctions on Russia - nothing to do with Ultimo or what they can control. They are currently looking at compliant workarounds. My own experience is that the off ramping process is smooth and low fees and now with an enhanced UI with perps, swaps and loans as well as the card services. If you value privacy I dont know of another alternative.
Don't even think about it - you will lose your money. They operate through JDB Laos - this institution was completely removed from VISA due to EU sanctions. The card does not work absolutely anywhere. Check - the JDB app is completely removed from the Google and Apple stores. It is impossible to return the deposited money. UltimaPay is lying that this will be resolved soon - after 10 years, when will the sanctions due to the war end?
I love Ultimopay.io - exactly what I wanted to my crypto to cash.
After you uploaded your selfie and passport they will ask for $ 600 for some debit card insurance 🤣 what the hell is that? SCAM
Been enjoying all the features of the Ultimopay card, especially when it comes to currency exchanges to the cards wallet. Even with the 600 fee to own this card, it is worth it. Been using for almost a year now, and I've experienced only positive transaction use. Thanks 👍
Did some research and decided to go with Ultimopay.io. Did the onboarding which was fairly typical KYC and painless. They deliver what they offer. Card took a bit longer to arrive than expected. But you pay the $600 and get $150 ready to use on the VISA debit card. I am able to do crypto transfers and then move to USD and then the card. They offer immediate USD transfers to the card at 1% fee or you can wait 72 hours for free. They make their money that way and on crypto to fiat exchanges at 3%. Card usage also incurs a 0.75% fee. JDB Bank app available for reviewing transactions as well as via their website. I like that it works and handles popular crypto like Tether (USDT) on multiple networks, BTC and Solana. The initial setup fee is a bit high, but their ongoing fees seem to be more reasonable than others I have seen.
Beware of this company, they advertise themselves as an cryptp debit card alternative, which it sounds attractive at first. But only after making a long identity check process, they say the cost of the debit card is $600 USD. Yes, you read that right! Not a deposit, not a credit, just the price for the plastic Visa card. Worst than that, their website doesn't have an option to delete your account automatically, and when you contact their support team they reply back saying that the account will be automatically deleted after 3-6 months of being dormant. Basically, there is no way to know if they delete it or not. Meanwhile they keep your data. Not a trust worthy process, and give a very bad impression for users in my opinion.
更新时间：2026/07/07
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 UltimoPay Platinum Visa Debit 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：不支持。
我们记录到 UltimoPay Platinum Visa Debit Card 支持：USDT、USDC、BTC、ETH、SOL和USD。
UltimoPay Platinum Visa Debit Card 提供：实体卡。
我们记录到 55 个国家或地区可用、37 个受限。逐个国家的状态见本页「地区和语言支持」。
UltimoPay Platinum Visa Debit Card 由 Ultimo Pay 运营，卡组织为 Visa。
