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Mobilum Card

Updated: Aug 14, 2026

Mobilum Card is a Mastercard payment card offered by Mobilum Pay to crypto asset users and linked to its custodial multi-currency wallet. Users can deposit or exchange digital assets in the wallet, hold balances in EUR, USD, PLN and other currencies, and spend through a virtual or physical card online, offline and at ATMs. The card supports Apple Pay and Google Pay, and users can create multiple cards for different payment purposes. The current consumer version is a prepaid/debit-style spending tool and does not provide a traditional revolving credit limit.
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Card network
Mastercard
Product type
Crypto prepaid card
Card form
Virtual card / Physical card
Operating status
Active
KYC level
Full KYC
Commercial relationship
No commercial relationship
Risk score
50-59
Supported assets
USDT / USDC / BTC / ETH / BNB
Last updated
Aug 14, 2026

Official and company information

Issuer identity and company credentials

Mobilum is a fintech group connecting traditional payment systems with Web3, offering crypto wallets, fiat-to-crypto exchange, on/off ramps, OTC, global payment channels, and virtual and physical card technology as well as white-label Mastercard card programs for individuals and businesses. Mobilum Pay is primarily responsible for the app, account interface, and product management; payment accounts, card issuance, and other regulated financial services are provided by different entities within the group or external licensed partners.
Company / issuer
Mobilum / Mobilum Pay
Legal name
Mobilum Pay sp. z o.o., KRS 0000871351
Registered region
Poland (PL)
Headquarters
Gibraltar
Company type
Fintech
Verification status
Verified
Issuer website
Official link
Application page
Application link

Card overview

Mobilum Pay integrates a custodial crypto wallet, digital-asset exchange, fiat balances and a Mastercard card in one app. Users can hold EUR, USD and PLN balances, deposit BTC, ETH and multiple tokens, and convert assets for card spending. The company currently offers both a virtual card and a plastic physical card, supporting online payments, contactless mobile-wallet payments and the global Mastercard ATM network. Its legal terms define it as a prepaid spending instrument: funds on the card come from the user's account balance rather than a credit line granted by a bank. Mobilum also provides a white-label Mastercard issuance solution for business customers.
Mastercard 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

Mobilum virtual card
Mobilum physical card
Card formVirtual cardPhysical card
Fees
Monthly fee
Card issuance fee
ATM fee
Foreign exchange fee
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
ATM withdrawal limit
Card network
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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

27
HungaryHUCyprusCYPolandPLCroatiaHRRomaniaRODenmarkDKLiechtensteinLIAustriaATSwedenSEFinlandFIIrelandIECzechiaCZGermanyDEPortugalPTSloveniaSILithuaniaLTLuxembourgLUIcelandISNorwayNOSpainESFranceFREstoniaEEBulgariaBGBelgiumBELatviaLVSlovakiaSKMaltaMT
Evidence
Officially supported

Unsupported or restricted regions

Applications or features are unavailable or restricted

8
NepalNPIranIRBelarusBYSyriaSYCubaCUSudanSDRussiaRUNorth KoreaKP
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:不支持申请,当前官方明确可申请地区名单未包含中国大陆;已在合资格地区发行的Mobilum Mastercard可在接受国际Mastercard的合规商户使用。

2、香港:不支持申请,香港未列入当前Mobilum Pay明确居民开放范围;已持有效Mastercard的用户可在香港接受国际Mastercard的线上和线下商户消费。

3、澳门:不支持申请,澳门当前不在官方明确开放的居民申请名单;境外已取得有效Mobilum Card后,可在接受国际Mastercard的澳门商户使用。

4、台湾:不支持申请,台湾未列入当前官方居民发卡范围;从合资格国家取得的有效Mobilum Mastercard可在台湾正常Mastercard受理商户使用。

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

NoNot required

Accepted documents

Passport / Residence permit / National ID card

Review time / regional limits

Normal identity verification takes about 10 to 15 minutes; anomalies or manual review can extend it to 24 to 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
Supported12
Not supported0
UpdatedAug 14, 2026

Wallet payments

Alipay

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

Supported

Aug 14, 2026

User reviews

Showing 10 approved reviews matched to this card

Newest first
abdlaziz abdlazizgoogle_play1 / 5

Mobilum Pay Google Play review - 1 star

The worst app you could possibly deal with
View original
Malik Saadgoogle_play1 / 5

Mobilum Pay Google Play review - 1 star

very bad scm wallet
View original
Ali Razagoogle_play1 / 5

Mobilum Pay Google Play review - 1 star

when will your services Start again
View original
Gghoussamapp_store1 / 5

😤😤😤

The app has issuer problem thy freeze my money I can’t use it 😢
View original
Alaa Elwarradgoogle_play5 / 5

Mobilum Pay Google Play review - 5 star

Very good
View original
محمد المنتصرgoogle_play1 / 5

Mobilum Pay Google Play review - 1 star

Very, very, very bad service They only reply to you after several days. The deposit is delayed and doesn't arrive; it takes days, and sometimes you have to contact them. I deposited an amount and it hasn't arrived after 3 weeks. It's a scam
View original
Hamisu Saidu (hamisusaeed)google_play3 / 5

Mobilum Pay Google Play review - 3 star

All is great simple but hard, if i can't deposit at least $1 that's hard but 10 USD Minimum deposit is too high
View original
luis matagoogle_play1 / 5

Mobilum Pay Google Play review - 1 star

transferí dmero, me llegó un correo para aceptar la transferencia y ha pasado un día entero y aún no tengo mi dinero en la cuenta
View original
MrLVH73app_store1 / 5

App does not accept my US IDENTIFICATION

Please explain why it’s not acceptable ?
View original
Lomaxxeeapp_store1 / 5

ID - DL United States??!! Not taking DL

Why isn’t this taking my DL as my form of ID? Any app I’ve used in the past has always accepted TN DL or any state in the US as a form of ID. Nobody wants to pay the extra money to get passports just for this app to accept a certain form of ID.
View original

Risk factors

Updated: Aug 14, 2026

No risk factors are available