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BVNK

Updated: Aug 5, 2026

BVNK is a stablecoin payment infrastructure for enterprises, payment institutions, fintech platforms, and cross-border businesses. Businesses can receive, send, convert, and store stablecoins and fiat currencies via the platform or API, and set up USD, EUR, and GBP virtual accounts. BVNK does not issue its own Visa or Mastercard consumer cards for general users; its card-related capabilities are mainly used to provide stablecoin top-ups, fiat conversion, and card program settlement services to card issuers such as Highnote.
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Confirmed unavailable on App Store
Card network
Other
Product type
Crypto-friendly bank account card
Card form
Virtual card
Operating status
Active
KYC level
Business KYC / KYB
Commercial relationship
No commercial relationship
Risk score
70-79
Supported assets
USDT / USDC / BTC / ETH / BNB / XRP / ADA / DOGE / TRX / LTC / BCH / DAI / USD / EUR / GBP
Last updated
Aug 5, 2026

Official and company information

Issuer identity and company credentials

The BVNK group operates through multiple regulated entities. UK services are provided by System Pay Services Limited, an electronic money institution authorized by the UK Financial Conduct Authority; European services are mainly provided by System Pay Services (Malta) Ltd, which holds a Maltese electronic money institution license and a MiCA crypto asset service provider license; US services are provided by System Pay Services (US), Inc., registered as a money services business with multi-state money transmission licenses. Mastercard signed an agreement to acquire BVNK on March 17, 2026, subject to regulatory approval, with completion expected by the end of 2026.
Visit website Application page
Company / issuer
BVNK
Legal name
BVNK
Registered region
United Kingdom (GB)
Headquarters
London, United Kingdom
Company type
Emi
Verification status
Verified
Issuer website
Official link
Application page
Application link

Card overview

BVNK connects bank payment networks and blockchain payment networks through the same infrastructure. Through Managed Payments, businesses can use BVNK's licences, custody, liquidity, and compliance capabilities for stablecoin collections, cross-border payments, fiat-to-stablecoin conversion, and virtual account management. Through Embedded Wallets, they can also offer branded wallets, balances, deposits, withdrawals, and payment features to end customers within their own products. Layer1 is intended for businesses that already have licensing and custody arrangements and want to build their own stablecoin payment orchestration systems. The platform supports fiat networks including ACH, FedNow, Fedwire, SEPA, Faster Payments, and SWIFT, but does not provide ordinary users with card numbers, physical cards, or ATM services.
Other 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

BVNK Custodial Stablecoin Payment
Card formVirtual card
Fees
Monthly fee
Free
Card issuance fee—
ATM fee—
Foreign exchange fee
0%
Final exchange rate includes agreed margin
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—
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

32
IrelandIENetherlandsNLCroatiaHRFinlandFIRomaniaROFranceFRNorwayNOMaltaMTUnited KingdomGBLuxembourgLUPolandPLGermanyDEPortugalPTDenmarkDKAustriaATIcelandISBelgiumBEHungaryHULiechtensteinLICyprusCYItalyITSloveniaSILithuaniaLTUnited StatesUSCzechiaCZSlovakiaSKLatviaLVEstoniaEEGreeceGRSwedenSESpainESBulgariaBG
Evidence
Officially supported

Unsupported or restricted regions

Applications or features are unavailable or restricted

17
South SudanSSLebanonLBHaitiHTIranIRLibyaLYCubaCUSudanSDMyanmar (Burma)MMYemenYESyriaSYNorth KoreaKPIraqIQBelarusBYAfghanistanAFSomaliaSOVenezuelaVERussiaRU
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：企业直接开户受限，需由 BVNK 商务和合规团队单独审批；可通过获批跨境支付合作平台使用稳定币结算，但不能申请 BVNK 消费卡。

2、香港：企业可以提交商务申请和企业 KYB，正式服务取决于业务规模、行业及产品审批；BVNK 不提供个人卡片、线下刷卡或 ATM 取现。

3、澳门：企业服务须经过个案审批和完整 KYB；可用功能取决于获批账户与支付通道，不提供面向个人的 BVNK 虚拟卡或实体卡。

4、台湾：企业可以提交稳定币支付或嵌入式钱包合作申请，须完成企业与关联人员审核；不提供可供普通居民直接申请的消费银行卡。

Updated: Aug 5, 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

Business KYC / KYBRequirement confirmed

Proof of address

YesRequired

Accepted documents

Passport / National ID card / Driver's license / Residence permit

Review time / regional limits

Personal automatic verification can be completed in minutes; business or enhanced review may take several business days.

KYC provider

Sumsub

Updated

Aug 5, 2026

Payment compatibility

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

Compatibility overview12 scenarios
Supported1
Not supported11
UpdatedAug 5, 2026

Wallet payments

Alipay

Not supported

Aug 5, 2026

Wallet payments

Apple Pay

Not supported

Aug 5, 2026

Cash services

ATM withdrawal

Not supported

Aug 5, 2026

AI tools

ChatGPT

Not supported

Aug 5, 2026

AI tools

Claude

Not supported

Aug 5, 2026

Wallet payments

Google Pay

Not supported

Aug 5, 2026

AI tools

Midjourney

Not supported

Aug 5, 2026

In-person payments

Offline POS

Not supported

Aug 5, 2026

Online shopping

Online shopping

Supported

Aug 5, 2026

Wallet payments

PayPal

Not supported

Aug 5, 2026

Subscriptions

Subscription payment

Not supported

Aug 5, 2026

Wallet payments

WeChat Pay

Not supported

Aug 5, 2026

User reviews

Showing 10 approved reviews matched to this card

Newest first
Erkantrustpilot★ 5 / 5

Einfach super Support

Einfach super Support. Vielen lieben Dank für die Kompetenz! Ihr seid super!
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George Spitaliotistrustpilot★ 5 / 5

Real Business Partner

Consistently good service, good product and functionality
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Hannahtrustpilot★ 5 / 5

5🌟🌟🌟+

Their customer service is great! I had a chat with Tarryn Mick, - quickly was transparent with me about a slight(external) issue that was ongoing, which was resolved in minutes - and they made sure to get back to me They may not have had direct control of the issue, but they definitely went above and beyond for me, thanks again Tarryn!
View original
ERRA S. Mtrustpilot★ 5 / 5

BVNK Customer since March 2024

We’ve been working with BVNK since March 2024, and honestly, it’s been a great experience from the start. Every request or question we have gets its own ticket on Slack, which makes tracking super easy. Our Relationship Managers (Tatum and Will)? Seriously top-notch. They don’t just reply quickly—they actually solve problems effectively. What’s cool is they really live by the Kaizen philosophy, always looking to improve and do better. Big thanks to the BVNK team; it’s always a pleasure working with such pros!
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Hannah Westleytrustpilot★ 5 / 5

BVNK have been excellent from the start…

BVNK have been excellent from the start with Lael & Jekaterina there guiding us through onboarding, set up and regularly keeping us updated with constantly evolving product & service efficiencies as well as detailed account management reviews. Highly reccommended.
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Kinga Gaaltrustpilot★ 5 / 5

Reliable and supportive banking partner

As an financial controller at Glitnor Group, I have had a consistently positive experience working with BVNK. Their team is highly responsive, ensuring that any queries or issues are addressed promptly. They proactively update me on changes, keeping communication transparent. BVNK is always willing to assist, making banking processes smoother and more efficient. Their commitment to client care is evident in their professionalism.
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Iheanyi Uchegbulemtrustpilot★ 4 / 5

bvnk is awesome

support is great and very helpful and willing to sort out any inquiry or query BVNK is solving a very important challenge being faced by businesses and individuals in countries where access to foreign exchange for intl payments are limited. with BVNK making payments to international suppliers is no longer a hassle
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Steve Covert Carltrustpilot★ 1 / 5

Bvnk is totally scam I agree

Bvnk is totally scam I agree. As at 2018 I bought over 5,000 dogecoin and 30 xrp on their Coindirect platform which was shutdown in 2023. Until this very moment I have not been able to get my coins back. Worst part? No body is returning my mails I need help!!!
Official reply
Hi there, Thank you for taking the time to share your feedback with us. We are very sorry to hear that your experience did not meet your expectations. If you would like to provide us with more details about your experience, you can contact us at merchants@bvnk.com. Our team is here to assist you and address any concerns you may have. Best regards, Olivia Samuels, Senior Product Marketing Manager, BVNK
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Risk factors

Updated: Aug 5, 2026

No risk factors are available