Card database / Visa / Crypto prepaid card

Guarda Card

Updated: Sep 20, 2026

The Guarda Card is a euro-denominated Visa crypto prepaid card introduced by Guarda Wallet and available in Virtual and Plastic forms. While the product was open, it was available only to residents of the 27 EU member states, Iceland, Liechtenstein, Norway, and the United Kingdom. Users had to apply through a dedicated entry point in the Guarda mobile wallet; other countries and regions did not have a valid application route by default or could not complete an application. Users could originally top up with designated crypto assets, which were converted into euros for online shopping, in-store merchants, and ATM withdrawals. New users currently cannot apply through the standard process.

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Card network
Product type: Crypto prepaid card
Card form: Virtual card / Physical card
Operating status: Discontinued
KYC level: Full KYC
Commercial relationship: No commercial relationship
Risk score: 50-59

Supported assets: USDTBTCETHXRPADADOGETRXDOTATOMLTCBCHDAI
Last updated: Sep 20, 2026

Official and company information

Issuer identity and company credentials

Guarda, founded in 2017, is a globally recognized non-custodial multi-crypto asset wallet service provider. The platform serves users worldwide primarily through its Portuguese operating entity GUARDACO LDA and GUARDIUM LTD in the British Virgin Islands. Guarda supports tens of thousands of cryptocurrencies and dozens of major blockchain networks, emphasizing a security mechanism where users fully control private keys and backup phrases. In addition to non-custodial asset management, Guarda integrates third-party licensed compliant institutions through technical interfaces to offer gas-free transactions, instant crypto exchange, staking rewards, and fiat on/off ramps as a one-stop Web3 wealth management service.

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Company / issuer: Guarda Wallet
Legal name: GUARDACO LDA and GUARDIUM LTD
Registered region: Portugal (PT)
Headquarters: Lisbon, Portugal
Company type: Fintech
Verification status: Verified
Issuer website: Official link
Application page: Application link

Card overview

Guarda launched a prepaid Visa card in 2022, with applications primarily completed through the Guarda Wallet mobile app. After selecting Virtual or Plastic, users had to provide information such as a mobile number and residential address for identity verification and set a four-digit PIN for the card. The Virtual card could be generated immediately after completing the process, while the Plastic card was mailed to the address provided in the application. When funding the card, supported crypto assets were transferred from Guarda Wallet into the card system and converted into EUR. The card could then be used for online or in-person purchases through the Visa network, while Plastic also supported ATM cash withdrawals. Guarda Wallet provides non-custodial crypto asset management, while card-related electronic money and payment services are provided by licensed institutions. Recent card materials from 2026 continue to list Guarda Visa Card as a prepaid card service for eligible European residents.

Visa card experienceRegional availabilityTerms may change

Notice: Outside the 27 European Union member states in the European Economic Area (EEA), the United Kingdom, Iceland, Liechtenstein and Norway, unsupported regions generally have no valid application entry point, or users cannot access or complete the card application process.

Usage scale & trends

Usage data is not available for this card yet. It will appear here when 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

	GGuarda Virtual Card	GGuarda Plastic Card
Card form	Virtual card	Physical card
Fees
Monthly fee	3 EUR Charged per card per month	3 EUR Charged per card per month
Card issuance fee	15 EUR Issuance fee	20 EUR Issuance fee
ATM fee	—	1.9 EUR + 2.5% Per cash withdrawal
Foreign exchange fee	2.5% Crypto asset conversion to EUR	2.5% Crypto asset conversion to EUR
Top-up fee	1.5% Card top-up fee	1.5% 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	9,000 EUR Monthly spending limit	9,000 EUR Monthly spending limit
ATM withdrawal limit	—	500 EUR Daily limit EUR 500, monthly limit EUR 2,500
Card network

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

Regions and language support

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

CroatiaHRItalyITLatviaLVAustriaATSpainESCzechiaCZDenmarkDKLithuaniaLTLuxembourgLURomaniaROSloveniaSIIrelandIENetherlandsNLPortugalPTPolandPLLiechtensteinLIGermanyDECyprusCYGreeceGRHungaryHUUnited KingdomGBIcelandISFinlandFIFranceFRBulgariaBGNorwayNOEstoniaEEMaltaMTSlovakiaSKSwedenSEBelgiumBE

Evidence: Officially supported

Unsupported or restricted regions

Applications or features are unavailable or restricted

MacaoMOBrazilBRVietnamVNAlgeriaDZBahrainBHArmeniaAMMoldovaMDTaiwanTWArgentinaARVenezuelaVEPakistanPKBosnia & HerzegovinaBAKazakhstanKZPeruPENepalNPSri LankaLKAzerbaijanAZSaudi ArabiaSAKuwaitKWPhilippinesPHTürkiyeTRSyriaSYSwitzerlandCHEthiopiaETNigeriaNGSouth KoreaKRUnited StatesUSNew ZealandNZSingaporeSGMexicoMXMalaysiaMYMontenegroMEBelarusBYIndiaINBangladeshBDChinaCNHong KongHKIndonesiaIDEgyptEGIranIRAfghanistanAFSerbiaRSGhanaGHOmanOMThailandTHGeorgiaGEColombiaCOAustraliaAUChileCLIraqIQIsraelILNorth MacedoniaMKMoroccoMAQatarQAJapanJPAlbaniaALTunisiaTNSouth AfricaZAKenyaKEUkraineUACanadaCARussiaRUUnited Arab EmiratesAE

Evidence: Officially restricted

Unconfirmed regions

Evidence is insufficient

No records

Evidence: Public sources

Availability in English-Speaking Markets

1. United States：Cannot apply，Can use，U.S. residents are outside Guarda Card’s supported issuance countries, which are limited to specified EU markets, but a legally issued card can be used in the United States.

2. United Kingdom：Cannot apply，Can use，The United Kingdom is not included in Guarda Card’s supported EU issuance list, while a card issued to an eligible EU resident can be used in the UK.

3. Canada：Cannot apply，Can use，Canadian residents are outside the supported issuance countries, but an eligible Guarda Card issued in the EU can be used in Canada.

4. Australia：Cannot apply，Can use，Australian residents are not eligible for Guarda Card issuance because the program is limited to specified EU countries, while an existing eligible card can be used in Australia.

5. South Africa：Cannot apply，Can use，South Africa is outside Guarda Card’s supported issuance area, but a card legally issued to an eligible EU resident can be used locally.

6. New Zealand：Cannot apply，Can use，New Zealand residents are not within the supported EU issuance countries, while an eligible existing Guarda Card can be used in New Zealand.

7. Ireland：Can apply，Can use，Ireland is explicitly included in Guarda Card’s supported issuance countries, allowing eligible residents to obtain the card after completing the required card registration and verification.

Updated: Sep 15, 2026

KYC requirements

Current identity-verification requirements and restrictions

KYC required

YesRequired

KYC level

Full KYCRequirement confirmed

Proof of address

YesRequired

Accepted documents

Passport / ID card / Driver's license

Review time / regional limits

Review begins after documents are complete; Walletto follows a three-business-day processing cycle.

KYC provider

Sum&Substance

Updated

Aug 7, 2026

Payment compatibility

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

Compatibility overview12 scenarios

Supported10

Not supported2

UpdatedAug 7, 2026

Wallet payments

Alipay

Supported

Aug 7, 2026

Wallet payments

Apple Pay

Supported

Aug 7, 2026

Cash services

ATM withdrawal

Supported

Aug 7, 2026

AI tools

ChatGPT

Not supported

Aug 7, 2026

AI tools

Claude

Not supported

Aug 7, 2026

Wallet payments

Google Pay

Supported

Aug 7, 2026

AI tools

Midjourney

Supported

Aug 7, 2026

In-person payments

Offline POS

Supported

Aug 7, 2026

Online shopping

Supported

Aug 7, 2026

Wallet payments

PayPal

Supported

Aug 7, 2026

Subscriptions

Subscription payment

Supported

Aug 7, 2026

Wallet payments

WeChat Pay

Supported

Aug 7, 2026

Review

Read the editorial review, its verdict and latest update.

No review yet

No review has been published for this card. Published reviews appear here.

User reviews

Showing 10 approved reviews matched to this card

Newest first

Buckaroogoogle_play★ 1 / 5Sep 14, 2026

Guarda: Crypto Bitcoin Wallet Google Play review - 1 star

My Crypto dissapeared,do not use this wallet,not safe and they do not care about your Crypto

Official reply

Thank you for sharing your experience. We understand how concerning it can be to see your crypto balance missing. Your funds cannot simply disappear from the blockchain, so if you haven’t shared your backup or private keys, please contact us at support@guarda.com with more details about what you’re seeing – we’ll help you understand what happened

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Destiny Obomanugoogle_play★ 5 / 5Aug 28, 2026

Guarda: Crypto Bitcoin Wallet Google Play review - 5 star

I love the fact that you don't have to do kyc verification anytime you want to buy crypto, but I would love it if buying of crypto was available for all countries 😀

Official reply

Thank you for your feedback! Crypto purchases are processed through our third-party partners, so availability may vary depending on their supported countries and requirements. We appreciate your understanding and your feedback as we continue working with our partners to improve availability! ✨

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Sabrethtrustpilot★ 5 / 5Aug 15, 2026

Ease of use and quality of service in a…

Ease of use and quality of service in a reasonable timeframe. You are a solution to so much that I have been struggling with for years.

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Roma Lebatrustpilot★ 1 / 5Aug 14, 2026

РУССКОЙ ЛОКАЛИЗАЦИИ НЕТ!!!

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Matthewtrustpilot★ 5 / 5Aug 12, 2026

I thought I'd lost $40 USD but customer…it within minutes 5stars

I thought I'd lost $40 USD but customer support was top class foun

Official reply

Hi Matthew! We’re really glad our support team could help get things sorted so quickly. Thank you for the 5 stars and for sharing your experience. Wishing you all the best!

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Jon Kentgoogle_play★ 5 / 5Aug 10, 2026

Guarda: Crypto Bitcoin Wallet Google Play review - 5 star

transfer litecoin from coinbase to guarda wallet waiting for it to land not sure how many confirmation s

Official reply

Thank you for your feedback. Litecoin deposits are credited after the transaction receives the required network confirmations. If your LTC deposit is taking longer than expected, please contact us at support@guarda.com and we’ll check it.

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SSDDtrustpilot★ 5 / 5Aug 9, 2026

Good...........................

Official reply

Hi SSDD! Good........................... we’ll take it Thanks for the review — we’re happy to keep it that way! Wishing you all the best!

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Alexia Penneytrustpilot★ 5 / 5Aug 7, 2026

Their customer support team is… AMAZING 5*s

Their customer support team is responsive, and quick. They solve your problems fully. NO AI BS when you need support it connects you directly to a human support team member. I really appreciated that, because it's one of the only places so far that doesn't do the AI bs support chat. I've used this many times for private transactions, and they have been great for anonymous, XMR, and other types of obfuscated cryptos. I have never once had a problem where I lost money. Never. the interface is simple enough that even a layman can understand exactly what they're doing and how. I really recommend guarda in certain circumstances. They're great.

Official reply

Hi Alexia! Thank you so much for this review. We’re especially happy to hear that being able to reach a real person when you need help has made a difference. It’s also great to know Guarda has been a smooth and reliable part of your experience over time. We really appreciate your trust, your recommendation, and the time you took to share all of this. Wishing you all the best!

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Ferdytrustpilot★ 5 / 5Aug 6, 2026

Good service!

Official reply

Hi Ferdy! Thanks so much for the kind words. We’re glad you had a good experience with Guarda. We really appreciate your support and wish you all the best!

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Calvintrustpilot★ 5 / 5Aug 3, 2026

Easy to use

Easy to use. Just a few steps on occasion.

Official reply

Hi Calvin! Thank you for taking the time to leave a review. We’re happy to hear Guarda keeps things simple and doesn’t make you jump through unnecessary hoops. We truly appreciate your support and wish you all the best!

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Risk factors

Updated: Jul 25, 2026

No risk factors are available

Frequently asked questions

Answers drawn from the published record on this page.

Does Guarda Card require KYC?

Our record lists the Guarda Card verification requirement as: Full KYC. Document and review details are in the KYC section of this page.

Does Guarda Card support Apple Pay and Google Pay?

Apple Pay: Supported. Google Pay: Supported.

Which assets can I top up Guarda Card with?

Our record lists Guarda Card support for: USDT, BTC, ETH, XRP, ADA, DOGE, TRX, and DOT (12 in total).

Is Guarda Card a virtual or a physical card?

Guarda Card is offered as: Virtual card and Physical card.

Where is Guarda Card available?

Our record lists 31 countries or regions as available and 63 as restricted. Country-by-country status is in the regions section of this page.

Who issues Guarda Card?

Guarda Card is operated by Guarda Wallet on the Visa network.