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Grey Card

Updated: Aug 12, 2026

Grey Card is a USD and multi-currency virtual payment card offered by cross-border finance platform Grey and is currently available on both the Visa and Mastercard networks. After completing KYC, users can open a card through the Grey App for international shopping, digital subscriptions, SaaS, travel and advertising expenses. The new Visa card can be linked directly to USD, EUR, GBP and other account balances and supports Apple Pay and Google Pay, while the Mastercard is primarily used after topping up its USD card balance.
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Card network
Visa
Product type
Crypto debit card
Card form
Virtual card
Operating status
Active
KYC level
Full KYC
Commercial relationship
No commercial relationship
Risk score
80-89
Supported assets
USD / EUR / GBP
Last updated
Aug 12, 2026

Official and company information

Issuer identity and company credentials

Grey is a fintech platform for freelancers, remote workers, digital nomads, and cross-border businesses, offering multi-currency account access in USD, GBP, EUR, and more, international receiving and payments, currency exchange, virtual cards, and batch corporate payments. The platform is operated by Grey Inc. and multiple regional affiliates; Grey itself is not a bank, and accounts, payment rails, and card issuance are provided by third-party banks and financial service partners.
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Company / issuer
Grey
Legal name
Grey Inc.
Registered region
United States (US)
Headquarters
United States
Company type
Fintech
Verification status
Verified
Issuer website
Official link
Application page
Application link

Card overview

Grey is a multi-currency financial platform for freelancers, remote workers, students, and cross-border users, offering USD, GBP, EUR accounts, currency exchange, international transfers, and virtual cards. The current personal card lineup includes Grey Visa Card and Grey Virtual Mastercard. The Visa card directly connects to Grey's multi-currency balance, requiring no separate top-up, and supports Apple Pay and Google Pay; the Mastercard is a USD virtual card that requires a top-up from the Grey USD Wallet to the card balance. Both card types can be used for international online payments and subscriptions, with official current listings including ChatGPT Plus, Claude Pro, Midjourney, Netflix, Spotify, Amazon, and other spending scenarios.
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

Drag or swipe anywhere in the table to view every card; labels stay fixed

Grey Visa virtual card
Grey Mastercard virtual card
Card formVirtual cardVirtual card
Fees
Monthly fee
Free
No monthly card maintenance fee
Free
No monthly card maintenance fee
Card issuance fee
5 USD
One-time issuance fee
4 USD
Additional 1 USD goes to card balance
ATM fee——
Foreign exchange fee
0.5 USD + 2%
Fee for non-USD cross-border transactions
0.5 USD + 2%
Fee for non-USD cross-border transactions
Top-up fee—
Free
No fee for card balance top-up
Failed transaction fee——
Rewards
Cashback——
Crypto cashback——
Staking rewards——
Staking APR——
Welcome bonus——
Referral bonus——
Limits
Daily spending limit
10,000 USD
Visa daily spending limit
10,000 USD
Maximum card spending limit
Monthly spending limit
50,000 USD
Visa monthly spending limit
—
ATM withdrawal limit——
Card network
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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

74
New ZealandNZTanzaniaTZFranceFRLatviaLVThailandTHCyprusCYNetherlandsNLLuxembourgLUBelgiumBEMalaysiaMYBangladeshBDCameroonCMUnited StatesUSFinlandFIPolandPLUnited KingdomGBNamibiaNAMaltaMTMoroccoMAUgandaUGCanadaCASaudi ArabiaSARwandaRWSwedenSELithuaniaLTPhilippinesPHGermanyDEMonacoMCPortugalPTCroatiaHRPakistanPKTürkiyeTRRomaniaROIndiaINDenmarkDKVatican CityVABulgariaBGZambiaZMEstoniaEEColombiaCOVietnamVNSwitzerlandCHNigeriaNGSingaporeSGSloveniaSIUruguayUYNorwayNOCzechiaCZGhanaGHSenegalSNAustriaATMoldovaMDBeninBJKenyaKEAngolaAOBrazilBRMexicoMXSan MarinoSMPeruPEHong KongHKItalyITHungaryHUUnited Arab EmiratesAEChileCLIndonesiaIDIrelandIECôte d’IvoireCIAustraliaAUSpainESSlovakiaSKEgyptEGGreeceGRSouth AfricaZAArgentinaAR
Evidence
Officially supported

Unsupported or restricted regions

Applications or features are unavailable or restricted

37
SurinameSRCubaCUTogoTGTokelauTKGambiaGMLibyaLYYemenYECongo - KinshasaCDBurundiBINorth KoreaKPKyrgyzstanKGUzbekistanUZNicaraguaNIZimbabweZWTajikistanTJSerbiaRSAfghanistanAFWallis & FutunaWFSomaliaSOCongo - BrazzavilleCGLebanonLBSão Tomé & PríncipeSTRussiaRUSouth SudanSSUkraineUAIraqIQComorosKMLiberiaLRCentral African RepublicCFBelarusBYSudanSDVenezuelaVEMyanmar (Burma)MMTurkmenistanTMMaldivesMVIranIRSyriaSY
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：目前不支持以中国大陆居民身份创建 Grey Visa 或 Mastercard；已持卡用户可在支持国际 Visa 或 Mastercard 的线上商户消费。

2、香港：可申请 Grey Visa Card，中国香港已列入当前 Visa 发卡地区；完成完整 KYC 后可用于国际线上支付及支持地区的 Apple Pay、Google Pay。

3、澳门：目前不在 Grey Visa 或 Mastercard 正式开卡地区名单，本地居民无法按当前标准流程创建卡片；境外已持卡用户仍可在国际卡受理商户使用。

4、台湾：目前不在 Grey Visa 或 Mastercard 正式开卡地区名单，本地居民无法按当前标准流程创建卡片；已持卡可在符合卡组织规则的国际商户消费。

Updated: Aug 12, 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

International passport / National ID / Driver's license / Resident card / Voter card

Review time / regional limits

Automated identity verification usually takes a few minutes; abnormal documents or accounts go into manual review.

KYC provider

Not disclosed

Updated

Aug 12, 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 12, 2026

Wallet payments

Alipay

Not supported

Aug 12, 2026

Wallet payments

Apple Pay

Supported

Aug 12, 2026

Cash services

ATM withdrawal

Not supported

Aug 12, 2026

AI tools

ChatGPT

Supported

Aug 12, 2026

AI tools

Claude

Supported

Aug 12, 2026

Wallet payments

Google Pay

Supported

Aug 12, 2026

AI tools

Midjourney

Supported

Aug 12, 2026

In-person payments

Offline POS

Supported

Aug 12, 2026

Online shopping

Online shopping

Supported

Aug 12, 2026

Wallet payments

PayPal

Supported

Aug 12, 2026

Subscriptions

Subscription payment

Supported

Aug 12, 2026

Wallet payments

WeChat Pay

Not supported

Aug 12, 2026

User reviews

Showing 10 approved reviews matched to this card

Newest first
Aromolaran Israelgoogle_play★ 5 / 5

Grey Google Play review - 5 star

very fast and user friendly
Official reply
Hi Israel, Thank you for your feedback! We're so happy you enjoyed your experience. 🖤
View original
Fasil Hailugoogle_play★ 5 / 5

Grey Google Play review - 5 star

wow
Official reply
Hi Hailu, Thank you for your feedback! We're so happy you enjoyed your experience. 🖤
View original
Al-amin Muhammad Ajimigoogle_play★ 5 / 5

Grey Google Play review - 5 star

Absolutely Amazing 🤩😍
Official reply
Hi Muhammad, Thank you for your feedback! We're so happy you enjoyed your experience. 🖤
View original
Stella Anthonygoogle_play★ 5 / 5

Grey Google Play review - 5 star

fast and reliable
Official reply
Hi Stella, Thank you for your feedback! We're so happy you enjoyed your experience.
View original
Christopher Henrygoogle_play★ 5 / 5

Grey Google Play review - 5 star

I really enjoy gray for receiving freelance payments for ally projects
Official reply
Hi Henry, Thank you for your feedback! We're so happy you enjoyed your experience.
View original
Ismail bwaje Hassangoogle_play★ 4 / 5

Grey Google Play review - 4 star

easy and simple to use
Official reply
Hi Ismail, Thank you for your feedback! We're so happy you enjoyed your experience.
View original
Muhammed Suleiman Kgoogle_play★ 1 / 5

Grey Google Play review - 1 star

I am so disappointed with what the app is doing, can't be able to put home address and Can't also get any help till the verification is complete
Official reply
Hi Muhammed, we’re sorry to hear about your experience. Please send us an email at support@grey.co with details of the issue so our support team can assist you further. 🖤
View original
vick benardgoogle_play★ 5 / 5

Grey Google Play review - 5 star

i love grey app
Official reply
Hi Benard, Thank you for your feedback! We're so happy you enjoyed your experience.
View original
Martina Ekem ogbenegoogle_play★ 1 / 5

Grey Google Play review - 1 star

I love it
Official reply
Hi Martina, Thank you for your feedback! We're so happy you enjoyed your experience. 🖤-N.A
View original
Festus Alabo Augustinegoogle_play★ 4 / 5

Grey Google Play review - 4 star

Grey is Good for a developer like me when paying for services online
Official reply
Hi Festus, Thank you for your feedback! We're so happy you enjoyed your experience. 🖤-N.A
View original

Risk factors

Updated: Aug 12, 2026

No risk factors are available