Available regions
Applications or normal card activation are supported
No Open Regions
- Evidence
- Officially supported
Card database / Visa / Stablecoin payment card
S
Spend Card
Updated: Aug 5, 2026
The Spend Card is a stablecoin debit card service still at the development and waitlist stage. The main site's planned product will connect non-custodial wallets on networks including Base, Plasma, and Solana, aggregate multichain stablecoin balances for Visa spending, and offer up to 4% rewards in USDC. The UK plan combines a pound sterling electronic money account, a Visa Platinum metal debit card, and Wintermute stablecoin conversion services. Neither is currently open for formal applications.
Confirmed unavailable on App Store
Official and company information
Issuer identity and company credentials
Spend, founded in 2017, is a pioneering multi-currency digital wallet and Web3 payment fintech company. Through its core products, the Spend App and Spend Visa debit card, the platform allows users to store fiat and dozens of major crypto assets and make real-time crypto-to-fiat instant settlement at over 40 million Visa network merchants worldwide using its patented technology. The company was fully acquired by Swipe in 2021.
- Company / issuer
- Spend.com
- Legal name
- Spend Group (including Canadian entity 2645243 Ontario Inc. and US entity Spend US, Inc., among others)
- Registered region
- Canada (CA)
- Headquarters
- Original加拿大
- Company type
- Fintech
- Verification status
- Verified
- Issuer website
- Official link
- Application page
- Application link
Card overview
Spend plans to use its “Universal Balance” feature to connect non-custodial wallets such as MetaMask, Rainbow, and Coinbase Wallet, combining stablecoin balances held across multiple wallets and blockchains for a single point-of-sale transaction. The global product is called the Spend Digital Asset Debit Card. It uses a physical metal card and is planned to support card management, transaction freezes, alerts, and access to a virtual card number through the app.
The UK has a separate Spend Visa® Platinum Debit Card connected to a GBP electronic money account provided by Spend Ltd. When UK users make purchases, stablecoins can be converted into GBP through Wintermute Trading Ltd and settled using a Visa debit card issued by Spend Ltd. Both the global and UK versions are currently available only through waitlists. Their final fee schedules, limits, cardholder agreements, and launch dates have not been published.
Visa card experienceRegional availabilityTerms may change
Notice: As of 2026/08/05, users can only join the waitlist free of charge and cannot yet formally apply for or use the card.
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
S Spend Digital Asset Debit Card | S Spend Visa® Platinum Debit Card | |
|---|---|---|
| Card form | Metal card | Metal card |
| Fees | ||
| Monthly fee | Free No annual fee | Free |
| Card issuance fee | — | — |
| ATM fee | — | — |
| Foreign exchange fee | Free No foreign transaction fee | Free |
| Top-up fee | — | — |
| Failed transaction fee | — | — |
| Rewards | ||
| Cashback | — | 4% Applies to eligible purchases |
| Crypto cashback | 4% Cashback to wallet after spending | — |
| Staking rewards | — | — |
| 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 China applicability
Application status based on public sources, official policy, and user reports. This is not application advice.
Unsupported or restricted regions
Applications or features are unavailable or restricted
Global
- Evidence
- Officially restricted
Unconfirmed regions
Evidence is insufficient
No records
- Evidence
- Public sources
China applicability
The source text is retained below.
Original
1、中国大陆：当前不可正式申请，只能登记全球版等待名单；由于卡片尚未签发，不能用于当地线上、线下或ATM交易。
2、香港：当前不可正式申请，只能提交等待名单资料；产品尚未公布香港发卡资格，也没有现行卡片可供当地使用。
3、澳门：当前不可正式申请，只能登记产品通知；卡片尚未进入公开发行阶段，不能用于澳门商户或ATM交易。
4、台湾：当前不可正式申请，只能登记等待名单；产品尚未开放身份审核及卡片签发，因此没有现行支付功能。
Updated: Aug 5, 2026
KYC requirements
Current identity-verification requirements and restrictions
KYC required
YesRequiredKYC level
Full KYCRequirement confirmedProof of address
YesRequiredAccepted documents
Passport / Driver's license / Other government-issued ID
Review time / regional limits
Automated identity verification can be completed within minutes; manual compliance and document review recorded with a seven-day cap.
KYC provider
Sumsub
Updated
Aug 5, 2026
Payment compatibility
Support status and update date by payment scenario · Actual availability may vary by region, merchant, and issuer policy
Compatibility overview12 scenarios
Supported0
Not supported12
UpdatedJul 28, 2026
Wallet payments
Alipay
Not supported
Jul 28, 2026
Wallet payments
Apple Pay
Not supported
Jul 28, 2026
Cash services
ATM withdrawal
Not supported
Jul 28, 2026
AI tools
ChatGPT
Not supported
Jul 28, 2026
AI tools
Claude
Not supported
Jul 28, 2026
Wallet payments
Google Pay
Not supported
Jul 28, 2026
AI tools
Midjourney
Not supported
Jul 28, 2026
In-person payments
Offline POS
Not supported
Jul 28, 2026
Online shopping
Online shopping
Not supported
Jul 28, 2026
Wallet payments
PayPal
Not supported
Jul 28, 2026
Subscriptions
Subscription payment
Not supported
Jul 28, 2026
Wallet payments
WeChat Pay
Not supported
Jul 28, 2026
User reviews
Showing 8 approved reviews matched to this card
Scam service who not let me use my…
Scam service who not let me use my wallet and got my money, stay far away from this.
They don't even answer tickets
Reporting them to the BBB and FBI
View original Stolen my money
Stolen my money! they just suspend my wallet with funds (over 14000$) and ignoring all my emails, block me on tweeter, telegram! And nothing I can do
Spend.com Is scaming people! bewere
View original It's been three days and I have not…
It's been three days and I have not been approved for level 2 customer service will not a answer me
View original Great debit card service for crypto
Great debit card service for crypto. We've purchased a couch, meals, and other great items from our crypto earnings. Add several types of crypto to load your card. You also earn SPND coin bonuses for using the card around town
View original Their customer service are nothing but…
The people they have doing customer service are mentally stunted. It took me over two months to update my address because it takes them forever and they argued that a lease wasn’t enough proof of address, by the time my card was sent I moved. Now I am trying to update it again... they took over a week to answer me to let me know that I need to message from my e mail on the account, mind you this is my e mail I used a few months prior to update my address and actually is the one on the account. All of this because I have money stuck on their “spend coin” because their system is flawed and won’t let me convert it. So it’s stuck without this impossible to get card .
View original I love the Spend app
I love the Spend app. I’ve been a Black Cad VISA. Holder for almost 2 years..I’ve had a few issues with spend but they were all resolved.. I believe in the long run these guys will be on top of the World
View original Spend.com - Crypto Debit Card
I've been a loyal user of spend for over 6 month. I'm a black card holder. Being a black card member of Spend ( you have to stake their token, at current value is $200 worth), you earn 6 percent back on all visa charges. Also, when you refer someone and they successfully sign up, that person and your self receive $100 in their native token. Those referral bonuses are held for 30 days. You can invest in a wide variety of tokens including BTC, ADA, XRP, XLM, the list goes on. Also within the app, you can spend that token anywhere Visa is accepted. The App allows you to switch easily between various crypto tokens. Today you can spend Bitcoin, tomorrow Ethereum, next day Cardano or even switch up through out the day, all earning up to 6% back. Techsupport is already to assist. Some more complicated challenges may take up to 24 to 48 hours, but they will solve your issue.
View original Beware!
Beware!! This people took my money and never gave it back to me. I sent several emails and now they don't answer back anymore! Let me explain:
They have me the option to get a visa debit card, to get it I had to send a deposit of my hard earned money so I did. After a week of waiting I sent them an email asking when I'm getting my card, they replied telling me they do not offer the card anymore!! I said ok can I get my deposit back? They said sure soon you will get it, I ask when and they never replied, even now I sent them an email and no answer. These people are disgusting, they make you pay for a service they don't offer and on top of that they don't give you your money back!!! Really unfair!!
It's been a several weeks and still no answer from them at all, they scam people.
View original Risk factors
Updated: Jul 28, 2026
No risk factors are available