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BBiyaPay EasyCard logo

BiyaPay EasyCard

Updated: Aug 11, 2026

BiyaPay Speed Card / Biya EasyCard is a USD virtual payment card offered by BiyaPay for cross-border online spending. Users can top up with digital assets such as USDT, BTC and ETH from their accounts and convert them into a fiat balance for online shopping, software subscriptions, AI services, game top-ups, PayPal, Alipay, WeChat Pay and other uses. The card has no physical version and does not support ATM withdrawals.
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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
60-69
Supported assets
USDT / BTC / ETH
Last updated
Aug 11, 2026

Official and company information

Issuer identity and company credentials

BiyaPay is a multi-asset trading and cross-border fund service platform for global users, offering digital currency spot, leverage, and futures trading, fiat and digital asset exchange, international remittance, payment collection, and US and Hong Kong stock investment. The platform uses BIYA GLOBAL LIMITED as the main contractual counterparty and operates through entities in multiple regions. Its terms of service clearly state that accounts are not bank deposit accounts and are not covered by deposit insurance.
Visit website Application page
Company / issuer
BiyaPay
Legal name
BIYA GLOBAL LIMITED
Registered region
Hong Kong (HK)
Headquarters
United States
Company type
Crypto exchange
Verification status
Verified
Issuer website
Official link
Application page
Application link

Card overview

BiyaPay EasyCard is built on the BiyaPay multi-asset wallet. After registering an account and completing identity verification, users can open the Speed Card page in the app or on the website, select a currently available card range, enter the required application details, and make the first top-up to obtain a virtual card number, expiration date, and security code. The card uses USD as its settlement currency, with a minimum top-up of 5 USD and a maximum of 2,000 USD per transaction. The official website states that payments are supported in more than 190 countries and regions and over 40 local currencies, primarily for overseas e-commerce, PayPal, Netflix, Microsoft, Google, AI tools, games, and SaaS services. Physical cards, ATM access, Apple Pay, Google Pay, and Wise account activation are currently not supported.
Visa card experienceRegional availabilityTerms may change
Notice: BiyaPay deactivated the four former BINs 404045, 414154, 522981 and 414271 for BiyaPay EasyCard on 2026/03/11. The company instructed affected cardholders to transfer their balances out of the old cards and simultaneously enabled a new Speed Card BIN. This is therefore a migration from the former card ranges and does not mean that the entire Speed Card product has ceased operations.

Card variants and fee differences

Compare verified fee records across card forms and tiers

Biya Express Card
Card formVirtual card
Fees
Monthly fee
Free
No fixed holding cost for long-term
Card issuance fee
2 USD
$2 per new card
ATM fee—
Foreign exchange fee—
Top-up fee
1.8%
Speed Card top-up fee
Failed transaction fee—
Rewards
Cashback—
Crypto cashback—
Staking rewards—
Staking APR—
Welcome bonus—
Referral bonus—
Limits
Daily spending limit—
Monthly spending limit—
ATM withdrawal limit
0 USD
Cash withdrawal not supported
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

131
PakistanPKKuwaitKWGrenadaGDGhanaGHLaosLAAustraliaAUEl SalvadorSVOmanOMPanamaPANamibiaNAQatarQAMacaoMOBarbadosBBNorth MacedoniaMKBulgariaBGTunisiaTNHungaryHUArmeniaAMHong KongHKBahamasBSNicaraguaNISouth AfricaZADominicaDMMaltaMTJamaicaJMBahrainBHZambiaZMGeorgiaGELuxembourgLUSwitzerlandCHSingaporeSGBrazilBRCyprusCYNew ZealandNZTürkiyeTRChileCLLithuaniaLTRomaniaROBhutanBTSt. LuciaLCTrinidad & TobagoTTKyrgyzstanKGSloveniaSICambodiaKHSerbiaRSSpainESCosta RicaCRAlbaniaALPhilippinesPHMoldovaMDBotswanaBWMauritiusMUEcuadorECSeychellesSCSenegalSNUnited KingdomGBAustriaATNetherlandsNLSt. Vincent & GrenadinesVCLebanonLBSri LankaLKUruguayUYBangladeshBDSouth KoreaKRAlgeriaDZCzechiaCZCanadaCASt. Kitts & NevisKNFranceFRNigeriaNGKenyaKETajikistanTJIrelandIEGuyanaGYKazakhstanKZMaldivesMVBelgiumBEFijiFJJapanJPNepalNPMongoliaMNEgyptEGSaudi ArabiaSAIsraelILThailandTHTongaTOMalaysiaMYPolandPLPapua New GuineaPGGreeceGRSlovakiaSKBosnia & HerzegovinaBASwedenSEUnited Arab EmiratesAEUzbekistanUZVanuatuVUNorwayNOMontenegroMEParaguayPYRwandaRWIndiaINSamoaWSIndonesiaIDJordanJOMexicoMXLatviaLVPeruPEDenmarkDKMoroccoMAAzerbaijanAZAntigua & BarbudaAGBruneiBNArgentinaARColombiaCOBelizeBZEstoniaEEVietnamVNItalyITGermanyDEPortugalPTHondurasHNTaiwanTWSurinameSRUgandaUGCroatiaHRFinlandFITanzaniaTZGuatemalaGTBoliviaBOChinaCNIcelandIS
Evidence
Officially supported

Unsupported or restricted regions

Applications or features are unavailable or restricted

5
CubaCUSyriaSYIranIRNorth KoreaKPUnited StatesUS
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：中国大陆用户可以申请/开通速捷卡，该卡虽然可以绑定支付宝/微信，但在实际风控中很容易遇到境内商户不支持、或高概率被风控拒付的情况。

2、香港：BiyaPay 在香港提供本地化服务入口，Speed Card 未将香港列入公开限制地区；符合账户 KYC 和当前卡段要求的用户可申请，并可用于国际线上支付。

3、澳门：澳门未被 Speed Card 当前公开资料列为明确限制地区，符合 BiyaPay KYC 与发卡方规则的用户可按线上流程申请，实际开卡资格以当前卡段审核为准。

4、台湾：台湾未被 Speed Card 当前公开资料列为明确限制地区，符合账户身份验证和当前发卡方要求后可申请，并主要用于海外线上消费和订阅服务。

Updated: Aug 11, 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

NoNot required

Accepted documents

Passport / ID document / Driver's license

Review time / regional limits

Basic automated verification usually completes in minutes; higher tiers or manual review may take one to three days.

KYC provider

Not disclosed

Updated

Aug 11, 2026

Payment compatibility

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

Compatibility overview12 scenarios
Supported8
Not supported4
UpdatedAug 11, 2026

Wallet payments

Alipay

Supported

Aug 11, 2026

Wallet payments

Apple Pay

Not supported

Aug 11, 2026

Cash services

ATM withdrawal

Not supported

Aug 11, 2026

AI tools

ChatGPT

Supported

Aug 11, 2026

AI tools

Claude

Supported

Aug 11, 2026

Wallet payments

Google Pay

Not supported

Aug 11, 2026

AI tools

Midjourney

Supported

Aug 11, 2026

In-person payments

Offline POS

Not supported

Aug 11, 2026

Online shopping

Online shopping

Supported

Aug 11, 2026

Wallet payments

PayPal

Supported

Aug 11, 2026

Subscriptions

Subscription payment

Supported

Aug 11, 2026

Wallet payments

WeChat Pay

Supported

Aug 11, 2026

User reviews

Showing 10 approved reviews matched to this card

Newest first
Kaden Ricetrustpilot★ 4 / 5

I initially used BiyaPay only for…

I initially used BiyaPay only for remittances, but later tried its U.S. stock trading feature. The order placement process is simple, and the zero-commission structure is a plus. However, many U.S. stocks are not yet available, which is a drawback.
View original
Langston Stevensontrustpilot★ 3 / 5

The registration and KYC process took…

The registration and KYC process took some time, which made the initial experience less than ideal. However, once verification was completed, the remittance and wallet features worked quite well.
Official reply
Thank you for your honest feedback. We understand that the registration and KYC process may take some time, and we’re sorry that this affected your initial experience. Verification is an important step to help protect user accounts and maintain a secure service environment. We’re glad to hear that the remittance and wallet features worked well after verification. We will continue to improve our onboarding process and make the guidance clearer for new users.
View original
Jalen Goodtrustpilot★ 3 / 5

我主要用BiyaPay做跨境匯款

我主要用BiyaPay做跨境匯款，整體流程比銀行電匯方便，手續費也比較低。第一次操作時有點不熟悉，但完成一次後就順很多。
Official reply
感謝您分享使用體驗！很高興 BiyaPay 能在跨境匯款手續費和操作便利性上為您提供幫助。我們也注意到您提到第一次操作時需要一些時間熟悉流程，後續會繼續優化新手引導、頁面說明和操作提示，讓首次使用體驗更加清晰順暢。感謝您的反饋，這對我們持續改進非常重要。
View original
Eliseo Clarktrustpilot★ 4 / 5

While I was studying in Australia

While I was studying in Australia, my family used BiyaPay to manage funds related to rent, living expenses, and tuition payments.
Official reply
Thank you for sharing your experience! We’re glad to hear that BiyaPay helped you and your family manage rent, living expenses, and tuition-related payments while you were studying in Australia. We will continue to improve our remittance process, fee transparency, and transfer experience to provide more efficient and reliable cross-border financial services for international students and global users.
View original
Gregory Webstertrustpilot★ 4 / 5

Cross-border transfers and asset management are both very convenient

My overall experience with BiyaPay has been quite positive. I initially used it only for cross-border transfers, but later found that it also supports USDT, U.S. stocks, Hong Kong stocks, and wealth management products. For users with overseas fund transfers needs, it is very important to complete multiple operations on one platform. U.S. and Hong Kong stock trading cones with zero commission, and the overall process is fairly smooth.
Official reply
Thank you for your positive feedback! We’re glad to hear that you started with cross-border transfers and later found value in using BiyaPay for USDT, U.S. stocks, Hong Kong stocks, and wealth management products. Providing users with a more convenient one-stop platform has always been one of our key goals. We will continue to improve the trading process, product experience, and fee transparency to make cross-border fund transfers and multi-asset management even smoother.
View original
Auwal muhammad Auwalgoogle_play★ 2 / 5

BiyaPay-Remit, Trade, NoFreeze Google Play review - 2 star

good
View original
eshilama thomasgoogle_play★ 1 / 5

BiyaPay-Remit, Trade, NoFreeze Google Play review - 1 star

the app is refusing to open why is it like that
View original
Mohammed Abubakargoogle_play★ 1 / 5

BiyaPay-Remit, Trade, NoFreeze Google Play review - 1 star

stupid app that i never see before why I downloaded it and can't login any more.
View original
Peace Augustinegoogle_play★ 4 / 5

BiyaPay-Remit, Trade, NoFreeze Google Play review - 4 star

the all is okay, the verification side of it should be fix.
View original
Jamal Khangoogle_play★ 5 / 5

BiyaPay-Remit, Trade, NoFreeze Google Play review - 5 star

very good app i trafe very easy
View original

Risk factors

Updated: Aug 11, 2026

No risk factors are available