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Karma Card

Updated: Sep 15, 2026

The official name of the Karma Card is the Karma Spend Card, a stablecoin spending card that connects a non-custodial crypto wallet, a personal virtual bank account, and the Visa network. Users can automatically convert EUR, USD, or GBP transferred from their bank into USDC, or directly deposit on-chain assets, and then use the virtual card for online purchases, Apple Pay contactless payments, and ATM withdrawals. The card offers a 0% APR on purchases and provides crypto rewards tied to $KARMA tiers.
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Card network
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
USDTUSDCSOLUSDEUR
Last updated
Sep 15, 2026

Official and company information

Issuer identity and company credentials

Karma Fintech LTD is a fintech company registered in the UK, responsible for the Karma app, non-custodial wallet, account access, and card management. The card program is supported technically and project-wise by Rain, a stablecoin payment infrastructure provider. The actual card issuer is Third National, and cards are issued under a Visa license. Bridge Building Inc. handles personal virtual accounts, fiat deposits, and withdrawal conversions; user wallet assets are not commingled with Karma's own funds and are not covered by deposit insurance.
Visit website Application page
Company / issuer
Karma Wallet
Legal name
Karma Fintech LTD
Registered region
United Kingdom (GB)
Headquarters
London, United Kingdom
Company type
Private company
Verification status
Verified
Issuer website
Official link
Application page
Application link

Card overview

Karma uses a combined structure of a non-custodial wallet, virtual bank account, and credit-limit card. After completing KYC, users can obtain a personal IBAN, ACH routing number, and account number. Fiat currency received is converted into crypto assets by Bridge and sent to a user-controlled non-custodial wallet. When a purchase is made, Karma sets a dynamic limit based on account funds and collateral balances. Third National first funds the Visa transaction, and the user then settles it according to the card terms. The current public product is mainly a virtual card. It can be added to Apple Wallet, allows PIN management, supports online and contactless payments, and has enabled ATM transactions. Card transactions over USD 1 incur an additional 0.5% service fee, and the actual spending limit is dynamically adjusted according to account risk and funding conditions.
Visa card experienceRegional availabilityTerms may change
Notice: No additional notice is available.

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

Karma Spend Card
Card formVirtual card
Fees
Monthly fee
Free
Card issuance fee
Free
Must hold $10 balance before card issuance
ATM fee—
Foreign exchange fee
1%
Non-USD transactions charged by Visa
Top-up fee
0.5%
Fiat deposit converted to stablecoin
Failed transaction fee
29 USD
Charged when repayment is returned, up to $29
Rewards
Cashback—
Crypto cashback
0%
$KARMA distributed by tier, rewards vary with staking level
Staking rewards
0%
Enhanced cashback and fee discounts, benefits unlocked by membership tier
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 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

154
BarbadosBBNauruNRChadTDUnited Arab EmiratesAEGuinea-BissauGWSouth KoreaKRMontenegroMEFijiFJMexicoMXNamibiaNAPeruPEBahamasBSMongoliaMNLatviaLVCambodiaKHLesothoLSAustraliaAUIrelandIEBahrainBHAlbaniaALTanzaniaTZMicronesiaFMMaliMLCroatiaHRMacaoMOSenegalSNUnited KingdomGBAndorraADParaguayPYNigerNETrinidad & TobagoTTEgyptEGEthiopiaETSwitzerlandCHKazakhstanKZCameroonCMSouth AfricaZALiberiaLRCentral African RepublicCFUzbekistanUZHondurasHNFranceFRSurinameSRBotswanaBWBrazilBRSingaporeSGTajikistanTJMauritiusMUSão Tomé & PríncipeSTSpainESJordanJOUruguayUYDjiboutiDJThailandTHGrenadaGDSaudi ArabiaSAEquatorial GuineaGQIcelandISArmeniaAMEswatiniSZRwandaRWOmanOMTongaTOEstoniaEETunisiaTNSloveniaSIBruneiBNBelgiumBEMadagascarMGRomaniaROGhanaGHMalawiMWBulgariaBGBurundiBIChileCLNigeriaNGPhilippinesPHDominicaDMMoldovaMDNetherlandsNLEritreaERCape VerdeCVJapanJPSamoaWSSerbiaRSKuwaitKWJamaicaJMAngolaAOEl SalvadorSVGambiaGMCzechiaCZVanuatuVUMaldivesMVGabonGAMonacoMCTurkmenistanTMSeychellesSCGuyanaGYTuvaluTVMaltaMTItalyITBelizeBZLithuaniaLTUgandaUGBeninBJGuatemalaGTLuxembourgLUSwedenSEDominican RepublicDOZambiaZMSlovakiaSKSierra LeoneSLCosta RicaCRPapua New GuineaPGAustriaATKyrgyzstanKGArgentinaAREcuadorECIndonesiaIDFinlandFILiechtensteinLIBhutanBTHungaryHUDenmarkDKMauritaniaMRBosnia & HerzegovinaBACôte d’IvoireCIComorosKMPortugalPTLaosLABurkina FasoBFMalaysiaMYBoliviaBOZimbabweZWSolomon IslandsSBGreeceGRSri LankaLKKenyaKEGuineaGNTaiwanTWCanadaCAColombiaCOHong KongHKGeorgiaGEPanamaPANorwayNOTogoTGPolandPLSan MarinoSMGermanyDEAzerbaijanAZTimor-LesteTLNew ZealandNZCyprusCY
Evidence
Officially supported

Unsupported or restricted regions

Applications or features are unavailable or restricted

32
BelarusBYRussiaRUHaitiHTMyanmar (Burma)MMSomaliaSOSyriaSYPakistanPKTürkiyeTRMozambiqueMZIsraelILNorth KoreaKPIranIRYemenYEVenezuelaVELibyaLYIndiaINAlgeriaDZMoroccoMANepalNPNicaraguaNICubaCUNorth MacedoniaMKUkraineUAVietnamVNChinaCNSouth SudanSSLebanonLBAfghanistanAFQatarQABangladeshBDIraqIQUnited StatesUS
Evidence
Officially restricted

Unconfirmed regions

Evidence is insufficient

0

No records

Evidence
Public sources

Availability in English-Speaking Markets

1. United States：Cannot apply，Can use，Karma Card is intended for users outside the United States and its card terms exclude U.S. citizens, while eligible cards issued abroad can still be used in the United States.
2. United Kingdom：Can apply，Can use，UK residents are within Karma’s supported coverage and can obtain the card after completing identity and residential-address verification.
3. Canada：Can apply，Can use，Canada is within Karma’s standard supported coverage and residents can apply after completing the required identity and address verification.
4. Australia：Can apply，Can use，Australia is within Karma’s standard supported coverage and residents can obtain the card after completing the required KYC and proof-of-address checks.
5. South Africa：Can apply，Can use，South Africa is supported under a restricted-risk classification, so applicants can obtain the card but are subject to additional compliance monitoring and verification.
6. New Zealand：Can apply，Can use，New Zealand is within Karma’s standard supported coverage and residents can apply after completing identity and residential-address verification.
7. Ireland：Can apply，Can use，Ireland is within Karma’s standard supported coverage and residents can obtain the card after completing the required identity and address verification.

Updated: Sep 15, 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

Passport / National ID card / Driver's license / Residence permit / Bank statement / Utility bill / Government letter / Residential lease agreement

Review time / regional limits

Most applications can be completed quickly; conflicting documents or high-risk accounts enter enhanced manual review.

KYC provider

Bridge, Sumsub

Updated

Aug 3, 2026

Payment compatibility

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

Compatibility overview12 scenarios
Supported11
Not supported1
UpdatedAug 3, 2026

Wallet payments

Alipay

Supported

Aug 3, 2026

Wallet payments

Apple Pay

Supported

Aug 3, 2026

Cash services

ATM withdrawal

Supported

Aug 3, 2026

AI tools

ChatGPT

Supported

Aug 3, 2026

AI tools

Claude

Supported

Aug 3, 2026

Wallet payments

Google Pay

Not supported

Aug 3, 2026

AI tools

Midjourney

Supported

Aug 3, 2026

In-person payments

Offline POS

Supported

Aug 3, 2026

Online shopping

Online shopping

Supported

Aug 3, 2026

Wallet payments

PayPal

Supported

Aug 3, 2026

Subscriptions

Subscription payment

Supported

Aug 3, 2026

Wallet payments

WeChat Pay

Supported

Aug 3, 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
Akhi Farjana Bestfriendgoogle_play★ 2 / 5

Karma: Crypto, Card & Wallet Google Play review - 2 star

virtual card no available for Bangladesh 🥲
View original
rk277467app_store★ 5 / 5

Good wallet

Easier than RH wallet.
View original
Jerald Marcelogoogle_play★ 5 / 5

Karma: Crypto, Card & Wallet Google Play review - 5 star

good wallet somfar
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Leo Christiangoogle_play★ 5 / 5

Karma: Crypto, Card & Wallet Google Play review - 5 star

The app that you will need to use in the future. from trading to buy daily basic product.
View original
šαյյαd huššαïηgoogle_play★ 4 / 5

Karma: Crypto, Card & Wallet Google Play review - 4 star

🔥🔥🔥
Official reply
Hi šαյյαd, thank you for leaving a review! We appreciate your support and look forward serving you on our app!
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Gortek 140google_play★ 5 / 5

Karma: Crypto, Card & Wallet Google Play review - 5 star

great app for trading and spending, my go to :)
View original
SkarlettFapp_store★ 5 / 5

Best of Two Worlds

Karma brings the best of two worlds together. An impressive suite of cheap and easy to use financial products. Feels like home.
View original
Dardan Loxhagoogle_play★ 5 / 5

Karma: Crypto, Card & Wallet Google Play review - 5 star

super app all in one for trader and for all people
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Wyatt Parnotrustpilot★ 5 / 5

Karma Wallet is cool because they…

Karma Wallet is cool because they really care about connecting people with companies that make positive impacts. The rating system is honest, and I think that's important in this age where companies can say anything. I also like the ideas they share. Fun buys for gifts and for me. :)
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Risk factors

Updated: Jul 20, 2026

No risk factors are available

Frequently asked questions

Answers drawn from the published record on this page.

Does Karma Card require KYC?

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

Does Karma Card support Apple Pay and Google Pay?

Apple Pay: Supported. Google Pay: Not supported.

Which assets can I top up Karma Card with?

Our record lists Karma Card support for: USDT, USDC, SOL, USD, and EUR.

Is Karma Card a virtual or a physical card?

Karma Card is offered as: Virtual card.

Where is Karma Card available?

Our record lists 154 countries or regions as available and 32 as restricted. Country-by-country status is in the regions section of this page.

Who issues Karma Card?

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