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AAirtm Card logo

Airtm Card

Updated: Aug 28, 2026

OriginalAirtm Card 的正式产品名称为 USD Virtual Prepaid Card，是一张以美元结算的 Visa 虚拟预付卡。用户可从 Airtm 余额向卡内充值，并使用卡号进行国际线上购物、软件订阅、数字服务和旅行消费；添加至 Apple Pay 或 Google Pay 后，也可在支持非接触支付的实体商户使用。卡片不提供信用额度、实体卡或现金取款功能，主要面向需要使用美元支付的自由职业者、远程工作者和数字服务用户。
Submit usage feedback
Card network
Visa
Product type
Stablecoin payment card
Card form
Virtual card
Operating status
Active
KYC level
Full KYC
Commercial relationship
No commercial relationship
Risk score
70-79
Supported assets
USDT / USDC / BTC / ETH / DAI / XLM
Last updated
Aug 28, 2026

Official and company information

Issuer identity and company credentials

Airtm is a U.S.-headquartered fintech service platform focused on providing efficient cross-border payment and payout solutions for distributed workforces, businesses, and digital entrepreneurs globally, particularly in the Global South. The platform includes a digital wallet based on USDC stablecoin, supports over 500 local deposit and withdrawal channels (including bank transfers, mobile wallets, etc.), and offers users USD virtual cards and U.S. virtual bank accounts, helping cross-border workers avoid high fees and regional restrictions of traditional offshore payments.
Visit website Application page
Company / issuer
Airtm
Legal name
Airtm Inc.
Registered region
United States (US)
Headquarters
Dover, Delaware, United States
Company type
Fintech
Verification status
Verified
Issuer website
Official link
Application page
Application link

Card overview

OriginalUSD Virtual Prepaid Card 由 Airtm 应用提供申请和管理入口，用户可在卡片控制面板查看卡号、有效期、CVV、余额和交易记录，并从 Airtm 的 USDC 余额向卡片充值。资金充值后形成独立的美元预付卡余额，消费时直接从该余额扣除，不会形成透支或信用负债。卡片支持本地及国际线上购物、循环订阅、数字广告、旅行预订和游戏平台等场景，也可通过 Apple Pay 或 Google Pay完成线下非接触支付。卡片余额不能通过 ATM 提取；如需将余额转回 Airtm，必须删除卡片并一次性转回全部剩余资金。赌博、枪支、毒品、成人服务及金融服务类商户受到限制。
Visa card experienceRegional availabilityTerms may change
Notice: No additional notice is available.

Card variants and fee differences

Compare verified fee records across card forms and tiers

Airtm USD virtual prepaid card
Card formVirtual card
Fees
Monthly fee
0 USD
$1 charged if no activity for 30 days
Card issuance fee
Free
First card created free
ATM fee—
Foreign exchange fee
0%
No foreign exchange fee on international transactions
Top-up fee
1%
Up to 2 USDC per month, only for the first $200 per month
Failed transaction fee—
Rewards
Cashback—
Crypto cashback—
Staking rewards—
Staking APR—
Welcome bonus
10 USDC
First top-up of 50 in Argentina and two other countries
Referral bonus—
Limits
Daily spending limit
2,000 USD
Spending limit calculated per calendar day
Monthly spending limit—
ATM withdrawal limit—
Card network

Fees may vary by region, card tier, and official policy. Verify the latest official terms.

Regions and China applicability

Application status based on public sources, official policy, and user reports. This is not application advice.

Available regions

Applications or normal card activation are supported

15
ArgentinaARMexicoMXParaguayPYColombiaCOChileCLDominican RepublicDOEcuadorECGuatemalaGTUnited StatesUSPanamaPACosta RicaCRPeruPEBrazilBRBoliviaBOUruguayUY
Evidence
Officially supported

Unsupported or restricted regions

Applications or features are unavailable or restricted

12
SudanSDNorth KoreaKPMyanmar (Burma)MMCubaCUSpecific Sanctioned Regions of UkraineHong KongHKMacaoMORussiaRUTaiwanTWIranIRBelarusBYChinaCN
Evidence
Officially restricted

Unconfirmed regions

Evidence is insufficient

0

No records

Evidence
Public sources

China applicability

The source text is retained below.

Original

1、中国大陆：大陆居民不可申请；已在支持地区合规取得的卡可用于接受国际 Visa 的线上商户，实际交易仍受商户和跨境支付规则限制。

2、香港：居民不可申请；已持卡用户可在接受 Visa 的线上或非接触商户使用，钱包绑卡仍受账户地区与设备规则限制。

3、澳门：居民不可申请；已持卡用户可在接受国际 Visa 的线上商户使用，也可通过支持的钱包进行非接触支付。

4、台湾：居民不可申请；已持卡用户可在接受国际 Visa 的线上及线下商户使用，部分订阅平台可能要求匹配账单地址。

Updated: Aug 2, 2026

Policies may change at any time. Verify the latest issuer policy.

KYC requirements

Current identity-verification requirements and restrictions

KYC required

YesRequired

KYC level

Full KYCRequirement confirmed

Proof of address

YesRequired

Accepted documents

ID document / Passport / Driver's license

Review time / regional limits

Automated review typically takes 10 to 15 minutes; manual review can take up to about 72 hours.

KYC provider

Persona, Onfido

Updated

Aug 2, 2026

Payment compatibility

Support status and update date by payment scenario · Actual availability may vary by region, merchant, and issuer policy

Compatibility overview12 scenarios
Supported9
Not supported3
UpdatedAug 2, 2026

Wallet payments

Alipay

Not supported

Aug 2, 2026

Wallet payments

Apple Pay

Supported

Aug 2, 2026

Cash services

ATM withdrawal

Not supported

Aug 2, 2026

AI tools

ChatGPT

Supported

Aug 2, 2026

AI tools

Claude

Supported

Aug 2, 2026

Wallet payments

Google Pay

Supported

Aug 2, 2026

AI tools

Midjourney

Supported

Aug 2, 2026

In-person payments

Offline POS

Supported

Aug 2, 2026

Online shopping

Online shopping

Supported

Aug 2, 2026

Wallet payments

PayPal

Supported

Aug 2, 2026

Subscriptions

Subscription payment

Supported

Aug 2, 2026

Wallet payments

WeChat Pay

Not supported

Aug 2, 2026

User reviews

Showing 10 approved reviews matched to this card

Newest first
Gian Xingoogle_play★ 5 / 5

Airtm Google Play review - 5 star

I really like this app is deserve five star rating
View original
Abdulwaduud Abdulrahmangoogle_play★ 5 / 5

Airtm Google Play review - 5 star

the best wallet bank ever, they even allow users to own USD account and ERO account that can receive funds directly from outside Nigeria
Official reply
thank you for being part of the Airtm community! Best regards!
View original
Mohsin Syedgoogle_play★ 1 / 5

Airtm Google Play review - 1 star

The conversion rate is not visible anymore after todays update.
Official reply
Hi, Mohsin! We’re sorry for the inconvenience. We understand how important it is to see this information before making a transaction. Please contact our support team at support@airtm.com so we can look into this for you. Thanks for your patience and feedback!
View original
Usman Ibrahimgoogle_play★ 1 / 5

Airtm Google Play review - 1 star

if I could give a lower review I would, DON'T download this app they are scammers!! people keep complaining of AirTM withholding people's funds without any reasons and not receiving any update from them. my account has been verified since may this year when I downloaded the app and up until last week the account was still showing I was Done, then I received $957 on Wednesday and now I can't access my account no reply from them, they said I can't withdraw my own money I worked for, what scam!!
Official reply
Hello Usman Ibrahim, We are very sorry for the inconveniences you are experiencing with your account; please let me know your ticket number so we can provide you with personalized assistance and resolve the issue as soon as possible. We value your patience!
View original
Mads Østergaardgoogle_play★ 1 / 5

Airtm Google Play review - 1 star

this people want to make me mad my account has been blocked with $500 over a month they haven't given me any reply at all
Official reply
Hello Mads Østergaard, We are very sorry for the inconveniences you are experiencing with your account; please let me know your ticket number so we can provide you with personalized assistance and resolve the issue as soon as possible. We value your patience!
View original
abdullahi etubigoogle_play★ 5 / 5

Airtm Google Play review - 5 star

very fast 🏃‍♀️ transaction, I love this
View original
Mlungisi Fakudegoogle_play★ 1 / 5

Airtm Google Play review - 1 star

best money app
Official reply
Hello Mlungisi Fakude, you gave a bad review but put a good comment; if you are experiencing inconveniences with our application, please contact us at socialmedia@airtm.io so that we can provide you with personalized assistance. We value your patience!
View original
Swallductchesch Allygeorgesgoogle_play★ 5 / 5

Airtm Google Play review - 5 star

best app ever give me rated . if any of you have any issues about this app i can be of assist because i cant say if their is any issues i have not experience but with all my IQ i run am soo am good experience experts....💲👌✈️ i just dey make my dollar 💲 gooo....🥹
View original
Max Wellgoogle_play★ 5 / 5

Airtm Google Play review - 5 star

amazing application you can transfer and receive money easily and no stress.
Official reply
Hi Max, thank you so much for your review! We’re thrilled to hear that Airtm makes transferring and receiving money easy and stress-free. We truly appreciate your support!
View original
Baraa AlMasritrustpilot★ 1 / 5

Theives!

If there was a 0 star rating I would've given it, I've never seen a more incompetent company or support, I have a support ticket open for more than a month now, and their last reply was almost a month ago, and when contacting the even more useless support agent on the website, it says the same thing "please give us 24h to respond". I ain't no millionaire, my money is crucial to me, and they're holding it hostage because of their incompetent support. It's sad to see a company making money by holding people's money hostage, the people that trusted them! Absolute garbage. reference ticket numbers, if that even matters #3379552 #3377474 #3414599
View original

Risk factors

Updated: Aug 2, 2026

No risk factors are available