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Meru Card

Updated: Sep 14, 2026

Meru Card is a USD Visa payment card offered by Meru to cross-border users, freelancers and remote workers in Latin America and is available as both a virtual and physical card. Users can fund their Meru account through a US bank account, European IBAN, local transfers and crypto assets such as USDC and USDT, then spend from their USD balance through Visa. The card supports online shopping, subscriptions, offline payments, mobile wallets and ATM withdrawals.
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Card network
Product type
Stablecoin payment card
Card form
Physical card / Virtual card
Operating status
Active
KYC level
Full KYC
Commercial relationship
No commercial relationship
Risk score
70-79
Supported assets
USDTUSDCBTCETHBNBSOLXRPADADOGETRXAVAXDOTLINKMATICATOMLTCBCHDAIXLMUNI
Last updated
Sep 14, 2026

Official and company information

Issuer identity and company credentials

Meru is a stablecoin fintech platform for individuals, freelancers, and businesses in Latin America, offering USD and EUR account access, ACH/Wire/SEPA payments, stablecoin and crypto top-ups and withdrawals, cross-border transfers, DeFi yield, US stock investing, and Visa virtual and physical cards. The platform operator is R3MIT SOLUTIONS INC; certain account, custody, exchange, remittance, and card services are actually provided by external financial and technology partners.
Company / issuer
Meru
Legal name
R3MIT SOLUTIONS INC
Registered region
United States (US)
Headquarters
Miami, Florida
Company type
Fintech
Verification status
Verified
Issuer website
Official link
Application page
Application link

Card overview

Meru combines a US dollar account, a European IBAN, stablecoin deposits, a self-custodial crypto wallet, and a Visa card in one app. Account balances are managed in USD. Users can top up through bank transfers, PIX, local payment channels, USDC, USDT, and other methods, then use the balance for Meru Card. The card is currently issued in the United States. A virtual card can be created immediately, while a physical card requires application and delivery. Users can freeze or unfreeze the card, set limits, and view transactions in the app. Meru also provides self-custodial crypto asset functionality, with access to BTC, ETH, and more than 2,000 tokens, but actual card spending is still settled through the USD card balance.
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

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

Meru Physical Card
Meru Virtual Card
Card formPhysical cardVirtual card
Fees
Monthly fee
Free
Free
No monthly card maintenance fee.
Card issuance fee
5 USD
Actual shipping costs apply
Free
Free to create
ATM fee
Free
ATM operators may charge additional fees
Free
ATM operators may charge additional fees
Foreign exchange fee
1.2%
Calculated by transaction region and currency, rate from 0% to 1.2%
0%
Calculated by transaction region and currency, rate from 0% to 1.2%
Top-up fee
1 USD + 1%
Fees vary by stablecoin network, starting at 1% plus 1 USD
1 USD + 1%
Fees vary by stablecoin network, starting at 1% plus 1 USD
Failed transaction fee——
Rewards
Cashback
10%
Limited to participating merchants in designated regions
10%
Up to 10% at participating merchants in select regions
Crypto cashback——
Staking rewards——
Staking APR——
Welcome bonus——
Referral bonus——
Limits
Daily spending limit——
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 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

18
EcuadorECNicaraguaNIVenezuelaVEPeruPECosta RicaCREl SalvadorSVMexicoMXPanamaPAParaguayPYGuatemalaGTColombiaCOChileCLBrazilBRHondurasHNDominican RepublicDOArgentinaARUruguayUYBoliviaBO
Evidence
Officially supported

Unsupported or restricted regions

Applications or features are unavailable or restricted

4
SyriaSYCubaCUNorth KoreaKPIranIR
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,Meru’s personal card program is aimed at its supported Latin American and Spanish markets rather than U.S. residents, while a Merucard issued to an eligible user can still be used in the United States.
2. United Kingdom:Cannot apply,Can use,UK residents are outside Meru’s current personal card-issuance markets, but an eligible Merucard obtained elsewhere can still be used in the United Kingdom.
3. Canada:Cannot apply,Can use,Canada is outside the current Merucard issuance region, while cards issued to eligible users in supported markets can still be used locally.
4. Australia:Cannot apply,Can use,Australian residents are not within Meru’s current personal card program, but eligible cards issued elsewhere can still be used in Australia.
5. South Africa:Cannot apply,Can use,South Africa is outside the current Merucard issuance markets, but a card legally obtained by an eligible user elsewhere can still be used there.
6. New Zealand:Cannot apply,Can use,New Zealand residents are outside Meru’s current card-issuance region, while eligible Merucards issued elsewhere remain usable locally.
7. Ireland:Cannot apply,Can use,Ireland is not within Meru’s current personal card-issuance markets, but cards issued to eligible users elsewhere can still be used there.

Updated: Sep 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

NoNot required

Accepted documents

National ID card / Passport

Review time / regional limits

Standard identity verification can be completed within a few minutes; manual or enhanced compliance review by the issuer 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
Supported10
Not supported2
UpdatedAug 14, 2026

Wallet payments

Alipay

Not supported

Aug 14, 2026

Wallet payments

Apple Pay

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

Not supported

Aug 14, 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
Carièce Alenskygoogle_play★ 2 / 5

Meru: Cuenta en dólares Google Play review - 2 star

Hello Meru Support Team, I would like to suggest adding NatCash and MonCash as direct deposit methods for users in Haiti 🇭🇹. NatCash and MonCash are widely used in Haiti, and many Haitian users rely on them for digital payments. Adding these options to the Meru deposit section would make it much easier for us to fund our accounts and use Meru without depending on third-party platforms. I hope Meru can consider supporting these payment methods in the future. Thank you for your time
View original
Marcelo Cortezgoogle_play★ 1 / 5

Meru: Cuenta en dólares Google Play review - 1 star

No usen esta app para invertir en Bolsa se van a arrepentir.
View original
Skull Kidgoogle_play★ 3 / 5

Meru: Cuenta en dólares Google Play review - 3 star

El icono del botón de perfil en el nuevo actualización no me está dejando entrar si pueden solucionar esto por favor.
View original
Adeniyi Boluwatifegoogle_play★ 5 / 5

Meru: Cuenta en dólares Google Play review - 5 star

very good 😊 perfect
View original
Juliet Abelgoogle_play★ 1 / 5

Meru: Cuenta en dólares Google Play review - 1 star

I'm trying to make withdraw from meru to my Nigerian bank account but it's not working
View original
Usa Accountgoogle_play★ 5 / 5

Meru: Cuenta en dólares Google Play review - 5 star

good
View original
Steve Phygensgoogle_play★ 5 / 5

Meru: Cuenta en dólares Google Play review - 5 star

really good app
View original
Olivier Pierregoogle_play★ 5 / 5

Meru: Cuenta en dólares Google Play review - 5 star

very good
View original
Huevo Yopinionesgoogle_play★ 1 / 5

Meru: Cuenta en dólares Google Play review - 1 star

be carefull this is a SCAM!!!
View original
Jhon González Guaringoogle_play★ 1 / 5

Meru: Cuenta en dólares Google Play review - 1 star

El comparativo de cambio con otras app es muy desfavorable, adicional y lo peor del app es que para cerrar la cuenta es necesario pasar a un chat, eso habla muy mal de esta app, es decir, su estrategia es obligarte a mantener la cuenta
View original

Risk factors

Updated: Aug 14, 2026

No risk factors are available

Frequently asked questions

Answers drawn from the published record on this page.

Does Meru Card require KYC?

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

Does Meru Card support Apple Pay and Google Pay?

Apple Pay: Supported. Google Pay: Supported.

Which assets can I top up Meru Card with?

Our record lists Meru Card support for: USDT, USDC, BTC, ETH, BNB, SOL, XRP, and ADA (20 in total).

Is Meru Card a virtual or a physical card?

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

Where is Meru Card available?

Our record lists 18 countries or regions as available and 4 as restricted. Country-by-country status is in the regions section of this page.

Who issues Meru Card?

Meru Card is operated by Meru on the Visa network.