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Onboard USD Card

Updated: Sep 16, 2026

The Onboard USD Card is a US dollar-denominated virtual Visa payment card offered by Onboard to users worldwide. It can be funded with local currencies, an Onboard USD balance, USDT, USDC, and certain crypto assets held in Onboard Trading/DeFi Wallet. It is currently available as the Flex Card and Classic Card. The Flex supports Apple Pay, Google Pay, and in-store contactless purchases and is primarily used for international e-commerce, SaaS, subscriptions, advertising, travel bookings, and similar payment scenarios.
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Confirmed unavailable on App Store
Card network
Product type
Stablecoin payment card
Card form
Virtual card
Operating status
Active
KYC level
Tiered KYC
Commercial relationship
No commercial relationship
Risk score
70-79
Supported assets
USDTUSDCBTCETHBNBSOLXRPADADOGELINKMATICLTCBCHDAIXLMUSD
Last updated
Sep 16, 2026

Official and company information

Issuer identity and company credentials

Onboard is a crypto-friendly fintech platform under Nestcoin, offering USD accounts, stablecoin receipts, cross-border payments, foreign exchange, and virtual USD cards. The main legal entity is Nestcoin Holding Limited, registered in the BVI; Canadian operations are run by Gopay Financial Services Inc. under the Onboard Pay brand; the US entity Onboard Digital is registered as a FinCEN MSB; the European entity Nestcoin Europe is registered as a VASP in Poland. Official statements note that Onboard is a technology platform, not a bank, and accounts, cards, and financial services may be provided by third-party licensed institutions. Official materials show Nestcoin's registration number in two forms, 2074697 and 207469, which should be retained as a note.
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Company / issuer
Onboard
Legal name
Nestcoin Holding Limited
Registered region
British Virgin Islands (VG)
Headquarters
Canada
Company type
Fintech
Verification status
Verified
Issuer website
Official link
Application page
Application link

Card overview

Onboard integrates a USD account, crypto wallet, and virtual card in one app. After completing identity verification, users can load a USD balance onto the card from a local bank account, Cash/USD Balance, an external USDT/USDC wallet, or an Onboard Trading/DeFi Wallet. Assets such as BTC, ETH, and SOL can first be automatically converted into USD in the Trading Wallet and then transferred to the card. The current card system includes the recommended Flex Card and the more widely compatible Classic Card. Both are USD virtual Visa cards with default spending limits of US$5,000 per day and US$20,000 per month. Flex has a lower non-USD transaction fee and supports Apple Pay and Google Pay for in-store payments. Classic is limited to online spending, and users are gradually being directed to migrate to Flex.
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

Onboard Flex Card
Onboard Classic Card
Card formVirtual cardVirtual card
Fees
Monthly fee
Free
No monthly maintenance fee
Free
No monthly maintenance fee
Card issuance fee
Free
The first Flex card is free to create.
3 USD
Charged when first created.
ATM fee——
Foreign exchange fee
0.3 USD + 1%
Charged for non-USD transactions.
0.5 USD + 2.5%
Non-USD transactions and cross-border USD transactions.
Top-up fee
Free
Some networks charge an additional network fee.
1.5%
Charged for card top-ups.
Failed transaction fee
Free
No fee for declined transactions.
—
Rewards
Cashback——
Crypto cashback——
Staking rewards——
Staking APR——
Welcome bonus——
Referral bonus——
Limits
Daily spending limit
5,000 USD
Online and offline transactions are counted together.
5,000 USD
Daily limit per card.
Monthly spending limit
20,000 USD
A limit increase may be requested.
20,000 USD
Monthly limit per card.
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

184
LesothoLSAngolaAOGuernseyGGAustraliaAUCroatiaHRGreeceGRSt. Kitts & NevisKNTimor-LesteTLPanamaPAChadTDSwitzerlandCHPolandPLMexicoMXUruguayUYFijiFJZambiaZMGuinea-BissauGWBotswanaBWIrelandIEMartiniqueMQBelizeBZCameroonCMColombiaCOHungaryHUMonacoMCJamaicaJMDominican RepublicDOSenegalSNPalauPWNiueNUBrazilBRCape VerdeCVCôte d’IvoireCIHaitiHTMalawiMWMaliMLPakistanPKEthiopiaETBahamasBSJerseyJEUnited Arab EmiratesAESt. MartinMFGuatemalaGTGibraltarGIJordanJOGeorgiaGEGrenadaGDArgentinaARMaltaMTIcelandISMadagascarMGCambodiaKHTongaTOHong KongHKSt. LuciaLCNetherlandsNLMoldovaMDGuineaGNGreenlandGLSint MaartenSXLiechtensteinLITaiwanTWFalkland Islands (Islas Malvinas)FKCocos (Keeling) IslandsCCArubaAWEquatorial GuineaGQLithuaniaLTSamoaWSSeychellesSCTunisiaTNChileCLFrench GuianaGFHondurasHNSierra LeoneSLKenyaKEAustriaATGabonGACosta RicaCRSt. BarthélemyBLFranceFRMozambiqueMZJapanJPBeninBJSlovakiaSKArmeniaAMNigerNESt. HelenaSHBritish Virgin IslandsVGBosnia & HerzegovinaBAAndorraADSouth KoreaKRParaguayPYNamibiaNARwandaRWRéunionREKuwaitKWNorfolk IslandNFSwedenSEBhutanBTSingaporeSGCook IslandsCKSolomon IslandsSBSt. Vincent & GrenadinesVCPeruPEChristmas IslandCXGermanyDESouth AfricaZAVatican CityVAMoroccoMAEritreaEREgyptEGNew ZealandNZRomaniaROKazakhstanKZMontserratMSBulgariaBGSloveniaSIAntigua & BarbudaAGGhanaGHWestern SaharaEHNigeriaNGNew CaledoniaNCMauritaniaMREcuadorECNorwayNODominicaDMBruneiBNBermudaBMOmanOMUgandaUGMongoliaMNIsle of ManIMCayman IslandsKYCzechiaCZDenmarkDKÅland IslandsAXSaudi ArabiaSAKiribatiKITrinidad & TobagoTTFaroe IslandsFOAzerbaijanAZCanadaCABelgiumBEMalaysiaMYBurkina FasoBFLaosLAPhilippinesPHItalyITSan MarinoSMLuxembourgLUBangladeshBDFrench PolynesiaPFSpainESAlbaniaALTanzaniaTZBahrainBHMauritiusMUIndonesiaIDNauruNRBoliviaBOMarshall IslandsMHUnited KingdomGBTuvaluTVEstoniaEEPapua New GuineaPGQatarQAMayotteYTMacaoMODjiboutiDJPortugalPTCuraçaoCWAnguillaAIEswatiniSZBarbadosBBLatviaLVGuadeloupeGPVanuatuVUTurks & Caicos IslandsTCGuyanaGYThailandTHEl SalvadorSVFinlandFISri LankaLKPitcairn IslandsPN
Evidence
Officially supported

Unsupported or restricted regions

Applications or features are unavailable or restricted

54
KyrgyzstanKGU.S. Virgin IslandsVICyprusCYNorth MacedoniaMKTurkmenistanTMUkraineUABurundiBIChinaCNSurinameSRAlgeriaDZMaldivesMVWallis & FutunaWFTürkiyeTRNepalNPGuamGULibyaLYCubaCUVenezuelaVEPuerto RicoPRSão Tomé & PríncipeSTSouth SudanSSIsraelILBelarusBYNicaraguaNIUzbekistanUZSerbiaRSIndiaINZimbabweZWTajikistanTJLebanonLBMyanmar (Burma)MMU.S. Outlying IslandsUMAmerican SamoaASSomaliaSOComorosKMSyriaSYSudanSDIraqIQUnited StatesUSYemenYERussiaRUIranIRNorthern Mariana IslandsMPVietnamVNGambiaGMCentral African RepublicCFTogoTGNorth KoreaKPSvalbard & Jan MayenSJLiberiaLRTokelauTKAfghanistanAFMontenegroMECongo - KinshasaCD
Evidence
Officially restricted

Unconfirmed regions

Evidence is insufficient

0

No records

Evidence
Public sources

Availability in English-Speaking Markets

1. United States：Cannot apply，Cannot use，The United States is excluded from Onboard identity verification and is listed among the card’s restricted jurisdictions, so residents cannot obtain or use an Onboard Card.
2. United Kingdom：Can apply，Can use，UK residents can complete Onboard identity verification and create the current Flex Card, which can be used online and for supported contactless payments.
3. Canada：Can apply，Can use，Canadian residents can complete the required identity verification and create a Flex Card, with the card usable for supported online and in-store payments.
4. Australia：Can apply，Can use，Australian residents can verify their identity and obtain the current Flex Card, which supports online payments and contactless spending where compatible mobile wallets are available.
5. South Africa：Can apply，Can use，South African residents can complete Onboard verification and create a Flex Card, with no country-level card restriction preventing its use in South Africa.
6. New Zealand：Can apply，Can use，New Zealand residents can complete the required KYC and obtain a Flex Card, which can be used for supported online and contactless purchases.
7. Ireland：Can apply，Can use，Irish residents can complete Onboard identity verification and create the Flex Card, with online and supported in-store payments available after issuance.

Updated: Sep 16, 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 / National ID card / Driver's license

Review time / regional limits

Automatic verification usually takes seconds to minutes; abnormal documents enter manual review.

KYC provider

Sumsub

Updated

Jul 27, 2026

Payment compatibility

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

Compatibility overview12 scenarios
Supported8
Not supported4
UpdatedJul 27, 2026

Wallet payments

Alipay

Not supported

Jul 27, 2026

Wallet payments

Apple Pay

Supported

Jul 21, 2026

Cash services

ATM withdrawal

Not supported

Jul 21, 2026

AI tools

ChatGPT

Supported

Jul 21, 2026

AI tools

Claude

Supported

Jul 21, 2026

Wallet payments

Google Pay

Supported

Jul 21, 2026

AI tools

Midjourney

Supported

Jul 21, 2026

In-person payments

Offline POS

Not supported

Jul 21, 2026

Online shopping

Online shopping

Supported

Jul 21, 2026

Wallet payments

PayPal

Supported

Jul 21, 2026

Subscriptions

Subscription payment

Supported

Jul 21, 2026

Wallet payments

WeChat Pay

Not supported

Jul 27, 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
Mfon Johngoogle_play★ 1 / 5

Onboard Global Google Play review - 1 star

I dont like the way they do things on the app I sent money yesterday now I never use my eye see my money
View original
Ismail Balabantrustpilot★ 1 / 5

This is an online crypto financial…

This is an online crypto financial services provider. Recently, I tried to open a verified account to use their services, buy crypto, transfer money, and invest. The process was very difficult, and I managed to open an account. However, after learning that I could only use some of their services and not others, I reacted negatively and complained to the company multiple times. These complaints were ignored; instead, I was treated with generic and dismissive responses.I have a real genuine authentic experience and interaction with this firm
View original
otareri samuelgoogle_play★ 2 / 5

Onboard Global Google Play review - 2 star

I wish the app opens faster than it does. It takes ages to open up. Sometimes never does and I have to close it and just go to sleep. Please work on this.
View original
Olulekan Olufajogoogle_play★ 1 / 5

Onboard Global Google Play review - 1 star

Why can't you give me USD account? My verification are completed. Are you not giving Nigerians account for USD?
View original
Ayo Ajayigoogle_play★ 4 / 5

Onboard Global Google Play review - 4 star

cool
View original
Emmanuel Sofekungoogle_play★ 1 / 5

Onboard Global Google Play review - 1 star

Very bad According to them "Bug fixes and app improvement" but yet the all has been refusing to work well since I updated it
View original
Kingsley Charlesgoogle_play★ 1 / 5

Onboard Global Google Play review - 1 star

For months I've been trying to get a USD account on this app without success despite completing the verification process. Imagine my surprise when I got a notification that my USD account number is now available. I've been trying since yesterday to access the account number, all to no avail. The customer support has been largely unhelpful.
View original
Praise Okediadigoogle_play★ 5 / 5

Onboard Global Google Play review - 5 star

Easy to use, fast transactions. I could use my card to buy games on steam. 10/10 experience!
View original
Hayatudeen Ibrahimgoogle_play★ 5 / 5

Onboard Global Google Play review - 5 star

much improvement from the previous
View original
Isaac Smithgoogle_play★ 4 / 5

Onboard Global Google Play review - 4 star

they're one of the best app so far
View original

Risk factors

Updated: Jul 21, 2026

No risk factors are available

Frequently asked questions

Answers drawn from the published record on this page.

Does Onboard USD Card require KYC?

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

Does Onboard USD Card support Apple Pay and Google Pay?

Apple Pay: Supported. Google Pay: Supported.

Which assets can I top up Onboard USD Card with?

Our record lists Onboard USD Card support for: USDT, USDC, BTC, ETH, BNB, SOL, XRP, and ADA (16 in total).

Is Onboard USD Card a virtual or a physical card?

Onboard USD Card is offered as: Virtual card.

Where is Onboard USD Card available?

Our record lists 184 countries or regions as available and 54 as restricted. Country-by-country status is in the regions section of this page.

Who issues Onboard USD Card?

Onboard USD Card is operated by Onboard on the Visa network.