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Keytom Card

Updated: Aug 14, 2026

Keytom Card is a Visa crypto payment card offered by Keytom to individual users. It can be opened separately or used with Keytom's fiat and crypto asset accounts. The card is denominated in USD, funded by the user's own USDC balance and automatically performs currency conversion when required. It is currently available as a virtual and physical card and covers everyday and cross-border uses including online shopping, software subscriptions, offline purchases, travel payments and ATM withdrawals with the physical card.
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Card network
Visa
Product type
Stablecoin payment card
Card form
Virtual card / Physical card
Operating status
Active
KYC level
Full KYC
Commercial relationship
No commercial relationship
Risk score
70-79
Supported assets
USDC / BTC / ETH / BNB / SOL / XRP / ADA / AVAX / LTC / BCH
Last updated
Aug 14, 2026

Official and company information

Issuer identity and company credentials

Keytom is a comprehensive financial platform for fiat and crypto assets for individuals and businesses, offering personal or business accounts, EUR IBAN, fiat and crypto asset holding and exchange, SEPA and other fund transfers, as well as Visa virtual and physical cards linked to account balances. Its Canadian entity is registered as a FINTRAC Money Services Business, and its Czech affiliate handles part of the virtual asset services; banking account infrastructure, fiat fund protection, settlement, and card issuance are provided by third-party financial institutions and card issuers.
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Company / issuer
Keytom
Legal name
KEYTOM SERVICES LTD
Registered region
Canada (CA)
Headquarters
Kelowna, British Columbia, Canada
Company type
Fintech
Verification status
Verified
Issuer website
Official link
Application page
Application link

Card overview

Keytom combines fiat accounts, crypto asset accounts, and a Visa payment card on one platform. Users can transfer in USDC directly, or convert euros or supported crypto assets in their accounts into USDC, then spend using the card balance. The card can also be used separately without applying for an EUR IBAN. The virtual card is currently intended primarily for online shopping, subscriptions, and mobile payments, while the physical card further supports contactless in-person payments and standard ATM withdrawals. The card uses a credit BIN, making it compatible with some scenarios, such as hotels and car rentals, that prefer credit card BINs. However, it is not a credit product; actual spending still comes from the user's own balance. The card is denominated in USD, with non-USD transactions converted automatically. Online transactions can be verified using 3DS SMS verification codes.
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

Keytom virtual card
Keytom physical card
Card formVirtual cardPhysical card
Fees
Monthly fee
10 USDC
Charged per activated card
10 USDC
Charged per activated card
Card issuance fee
Free
Free issuance
50 USDC
Delivery fee
ATM fee
0.66 USDC
2% for USD withdrawals, 3.35% for non-USD, minimum 0.66 USDC
0.66 USD
2% for USD withdrawals, 3.35% for non-USD, minimum 0.66 USDC
Foreign exchange fee
2.35%
Non-USD card payment fee
2.35%
Non-USD card payment fee
Top-up fee——
Failed transaction fee——
Rewards
Cashback——
Crypto cashback——
Staking rewards——
Staking APR——
Welcome bonus——
Referral bonus——
Limits
Daily spending limit
Unlimited
Single transaction soft limit approximately $150,000
Unlimited
Single transaction soft limit approximately $150,000
Monthly spending limit
Unlimited
Still subject to compliance risk controls
Unlimited
Still subject to compliance risk controls
ATM withdrawal limit
3,000 USD
Daily $3,000, monthly $10,000, contactless ATM only
—
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

159
GambiaGMPanamaPANorth MacedoniaMKCyprusCYKazakhstanKZNamibiaNAFijiFJItalyITSouth AfricaZATurkmenistanTMSloveniaSISan MarinoSMVenezuelaVEComorosKMSão Tomé & PríncipeSTBosnia & HerzegovinaBAGuinea-BissauGWBurkina FasoBFTuvaluTVSt. Vincent & GrenadinesVCMalawiMWMadagascarMGNew ZealandNZSeychellesSCNetherlandsNLSwedenSEJordanJOAzerbaijanAZIcelandISMaltaMTIsraelILSouth KoreaKRUnited KingdomGBLuxembourgLUKyrgyzstanKGKuwaitKWSurinameSRSwitzerlandCHEritreaERLiechtensteinLIBruneiBNJapanJPCzechiaCZVietnamVNLaosLAKiribatiKISt. Kitts & NevisKNBahrainBHGeorgiaGELiberiaLREcuadorECHondurasHNIrelandIELatviaLVIraqIQChileCLSri LankaLKFinlandFIEgyptEGSaudi ArabiaSAFranceFRTimor-LesteTLMarshall IslandsMHAntigua & BarbudaAGBelgiumBELithuaniaLTBrazilBRPortugalPTBurundiBITogoTGTunisiaTNIndiaINSt. LuciaLCMonacoMCPeruPETajikistanTJCanadaCASlovakiaSKMontenegroMEEquatorial GuineaGQYemenYESierra LeoneSLChadTDHungaryHUNepalNPEstoniaEEOmanOMNorwayNOGreeceGRAustraliaAUMexicoMXArgentinaARNigerNEColombiaCOGermanyDEPalauPWMozambiqueMZBangladeshBDSingaporeSGGabonGAMoldovaMDSpainESLesothoLSBeninBJAustriaATMoroccoMACroatiaHRIndonesiaIDSudanSDTürkiyeTRThailandTHRomaniaROGuineaGNUzbekistanUZEswatiniSZVatican CityVAGrenadaGDMaldivesMVGuatemalaGTUruguayUYMalaysiaMYUnited Arab EmiratesAEAngolaAOArmeniaAMNigeriaNGPolandPLTongaTOAndorraADCosta RicaCRUnited StatesUSBoliviaBOPapua New GuineaPGDjiboutiDJQatarQADominican RepublicDOTanzaniaTZSolomon IslandsSBZambiaZMCôte d’IvoireCINauruNRCameroonCMParaguayPYKenyaKEPakistanPKRwandaRWBelizeBZMauritiusMUCape VerdeCVTaiwanTWPhilippinesPHBhutanBTGuyanaGYDominicaDMAlgeriaDZChinaCNEl SalvadorSVDenmarkDKHong KongHKBulgariaBG
Evidence
Officially supported

Unsupported or restricted regions

Applications or features are unavailable or restricted

35
JamaicaJMNicaraguaNISamoaWSBelarusBYBotswanaBWMaliMLSyriaSYVanuatuVUSenegalSNCentral African RepublicCFCambodiaKHSerbiaRSNorth KoreaKPSouth SudanSSLebanonLBTrinidad & TobagoTTSomaliaSOHaitiHTIranIRAlbaniaALBarbadosBBUgandaUGAfghanistanAFUkraineUAMyanmar (Burma)MMLibyaLYZimbabweZWCubaCURussiaRUAmerican SamoaASGhanaGHEthiopiaETMauritaniaMRMongoliaMNBahamasBS
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：中国大陆居民属于可申请范围，完成身份证明、地址证明及人脸验证后可申请；已发行 Visa 卡可用于支持国际卡的线上、线下及移动支付场景。

2、香港：中国香港居民可申请相应 Keytom Visa 卡计划并完成 KYC；已持卡用户可在接受 Visa 的香港及海外商户线上、线下消费和取现。

3、澳门：澳门居民申请受具体卡计划和实体卡配送资格限制；已持有 Keytom Visa 卡可在接受国际 Visa 的澳门线上及线下商户正常消费。

4、台湾：中国台湾居民属于当前可申请范围，完成 KYC 后可申请虚拟或符合配送条件的实体卡，并可在接受 Visa 的本地及境外商户消费。

Updated: Aug 14, 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 / Residence permit / Proof of address

Review time / regional limits

Automated review mostly takes 15 minutes to 2 hours; manual review can extend to about 48 hours.

KYC provider

Not disclosed

Updated

Aug 14, 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 14, 2026

Wallet payments

Alipay

Supported

Aug 14, 2026

Wallet payments

Apple Pay

Not supported

Aug 14, 2026

Cash services

ATM withdrawal

Supported

Aug 14, 2026

AI tools

ChatGPT

Supported

Aug 14, 2026

AI tools

Claude

Supported

Aug 14, 2026

Wallet payments

Google Pay

Supported

Aug 14, 2026

AI tools

Midjourney

Supported

Aug 14, 2026

In-person payments

Offline POS

Supported

Aug 14, 2026

Online shopping

Online shopping

Supported

Aug 14, 2026

Wallet payments

PayPal

Supported

Aug 14, 2026

Subscriptions

Subscription payment

Supported

Aug 14, 2026

Wallet payments

WeChat Pay

Supported

Aug 14, 2026

User reviews

Showing 10 approved reviews matched to this card

Newest first
Carengineering Dubaitrustpilot★ 5 / 5

Great app. Amazing service

Great app for sending USDT and using USDT connected to your card. Very easy and convenient to use. Transactions always go through smoothly, and everything feels reliable and stable. Highly recommended!
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Gavin Y-Wgoogle_play★ 3 / 5

Keytom Card Google Play 评论 Google Play review - 3 star

OK, I had my account opened only for 24 hours. Unfortunately on the verification part my passport has prescription glasses for medical reasons. Unfortunately for the app, not acceptable. As my disability for verification was not accepted - in Canada - I had to withdraw the btc, close my account. Good communication - 3 stars. Data is held for 5 years -account deleted! At own risk, uninstalled! First time disability on verification not accepted! Canada! 🤔😳😲😕🙁😔
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Ilya Belobrovichtrustpilot★ 5 / 5

I’ve been really impressed with Keytom since I started using it. Fast, intuitive, reliable, and beautifully designed. Everything feels smooth and effortless. Highly recommended!!

I’ve been really impressed with Keytom. The app is fast, intuitive, and has a clean, modern design that makes managing finances effortless. Everything works smoothly, and the overall experience feels premium and reliable. Definitely one of the best banking apps I’ve used!!!
Official reply
Thank you Ilya for such a wonderful review! We’re delighted that you’re enjoying Keytom’s experience. Knowing that the app makes managing your finances feel smooth and effortless means a lot to our team! Thank you for choosing and recommending us to the world, Keytom team
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Maxim Burobintrustpilot★ 5 / 5

A crypto card that actually delivers

I've been using my Keytom crypto card for a while now and I'm genuinely impressed. The onboarding was quick and hassle-free, the app is intuitive, and both topping up with crypto and paying in regular stores works smoothly every time. What stands out for me: transparent fees with no hidden charges, reliable performance both online and in physical stores, and a support team that gives real answers instead of copy-paste replies. If you want to spend your crypto in everyday life without unnecessary complications, this is a great solution. Highly recommended.
Official reply
Hi Maxim, Thanks so much for the kind words! We’re happy to hear that your Keytom card has made spending crypto simple and reliable for you. It also means a lot to know you’ve had a positive experience with our support team. We’ll be sure to share your feedback with them. Thanks for choosing Keytom and for taking the time to recommend us, Keytom Team
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Anonymous Usertrustpilot★ 5 / 5

Conto business e conto personale…

Conto business e conto personale fantastico. Personale molto gentile e soprattutto processionale. Davvero soddisfatto
Official reply
Grazie mille, ci fa davvero piacere! 🙌 Keytom Team
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DANJERI DANJERtrustpilot★ 5 / 5
Gracias 🫂 voy a probar
Official reply
¡Hola! Gracias por la confianza — ¡bienvenido a Keytom! 🙌
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Roman Tikhonovtrustpilot★ 5 / 5

Great service and UI

Great service and UI. Easy to use, fast, reliable. Always recommend to all of my family and friends. Best in the market.
Official reply
Hi Roman, Thanks for the kind words! Really glad it's been a smooth experience. Appreciate you recommending us! 🙌 Keytom Team
View original
Tashatrustpilot★ 5 / 5

My requirements were pretty simple

My requirements were pretty simple: a single view of what I have and what I'm spending, without mental arithmetic every time I check in. Keytom handles that well. The balance is on-the-spot, the spending is easy to follow, and I'm not cross-referencing multiple places or accounts to understand how things really are. Category customization could really go further, but for straightforward money management it works.
Official reply
Hi Tasha, Thank you for taking the time to share this. We are glad to know Keytom gives you a clear and simple view of your finances, that is exactly the experience we aim to create. Feedback like this is valuable, and we are continuing to improve the product to make everyday money even more flexible. Thanks again for choosing Keytom and for sharing your experience. Keytom Team
View original
Helga Willemsetrustpilot★ 1 / 5

DO NOT SEND MONEY!!Very irresponsible company.

I have opened account with keytom couple days ago. I noted down my euro details which they provided. Today I wnet to bank and made transfer of 130 000 to an account that they provided. I come backhome to see if it arrived and my account is blocked. Support is telling me they have not received it and it was some kind of internal decision to close my account. but why was I given account in the first place? Support is useless god know if I get my money back now and if yes when will I get it because they are not sharing any information about it.
Official reply
Hello Helga, We understand this situation is stressful, and we want to be as clear as possible. Regarding your funds: since your account has been closed, any incoming transfer is automatically returned to the original source account from which they were transferred — this is a standard procedure and your funds are not lost. The return timeline depends on your bank's processing times, but the transfer will come back to where it was sent from. As outlined in the policies and legal terms you accepted when registering on our platform, Keytom reserves the right to restrict or close any account at any time where a client no longer meets the Company’s risk appetite, internal compliance standards, or regulatory requirements. For security and compliance reasons we're unable to share the specifics of account decisions publicly. If you have further questions about the status of your return, please contact us directly at support@keytom.com and reference your account — our team will provide an update on the timeline. Best regards, Keytom Team
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Emiltrustpilot★ 5 / 5

Keytom feels truly manageable and user-friendly

For a while, receiving and especially spending crypto seemed more complicated than it was worth. You need to navigate through various exchanges, dealing with fees, and constantly being uncertain about the current status of your funds. Apps like Keytom breaking this circle. I have chosen to keep my funds there, because I kinda liked how they do in socials, and their website was quite impressive. Now I can do euro transfers nearly straight from crypto, or pay for anythig with crypto, everything goes through this app. They show all the fees for exchanges or transactions right away, the rates are set at market prices in real time as far as I can see. Obviously you can get better rates with trading platforms, but again, you’ll lose practicaly the same on fees and extra transfers, plus I’m no trader and it’s a lot of fuss for me tbh. All in all, I can say that Keytom is the place that truly feels manageable and user-friendly.
Official reply
Hi Emil, Thanks a lot for such a thoughtful review. We’re really happy to hear that Keytom feels friendly and manageable for you, especially for moving between crypto, transfers, and everyday spending without extra hassle. That’s something we care a lot about. Thanks again for trusting Keytom and sharing your experience. Keytom Team
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Risk factors

Updated: Aug 14, 2026

No risk factors are available