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: Oct 7, 2026
Spend Card is a stablecoin debit card product currently in development and the waitlist phase; it plans to use Spend’s "Universal Balance" to aggregate balances from users' multiple non-custodial wallets across networks such as Base, Plasma, and Solana into a unified source of funds for spending. Its design focuses on not requiring users to transfer stablecoins to traditional exchanges or centralized custodial accounts for extended periods, though the specific mechanisms for final settlement and debiting have not yet been fully disclosed.
Confirmed unavailable on App Store
- Card network
- Product type
- Stablecoin payment card
- Card form
- Metal card
- Operating status
- Waitlist
- KYC level
- Full KYC
- Commercial relationship
- No commercial relationship
- Risk score
- 50-59
- Supported assets
- Unconfirmed
- Last updated
- Oct 7, 2026
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
- Canada
- Company type
- Fintech
- Verification status
- Verified
- Issuer website
- Official link
- Application page
- Application link
Card overview
Spend’s current product positioning centers on non-custodial wallets and multi-chain stablecoin balances. The platform plans to allow users to connect self-custodial wallets—such as MetaMask, Rainbow, and Coinbase Wallet—and utilize a "Universal Balance" feature to aggregate stablecoins across various wallets and blockchains for single card transactions. The main website showcases a physical metal debit card and explicitly states that the product is still under development; currently, users can only join a waitlist, as cards have not yet been officially issued to the general public. While there are separate plans for the UK involving a Visa Platinum card linked to a GBP e-money account—with Wintermute handling the stablecoin-to-GBP conversion during payment processing—this regional offering does not indicate that the global version has officially launched.
Visa card experienceRegional availabilityTerms may change
Notice: As of September 18, 2026, users can only join the waitlist for free; they cannot yet formally apply for or use the card.
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
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 language support
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
Availability in English-Speaking Markets
1. United States：Cannot apply，Cannot use，The Spend Card is still in development and only a waitlist is open, so U.S. residents cannot currently obtain an issued card or use one for payments.
2. United Kingdom：Cannot apply，Cannot use，The Spend Card has not launched yet and registration currently only reserves a waitlist position, so UK residents cannot obtain or use the card.
3. Canada：Cannot apply，Cannot use，Spend has not begun issuing the card and currently accepts only waitlist registrations, so Canadian residents cannot yet obtain or use it.
4. Australia：Cannot apply，Cannot use，The Spend Card remains a pre-launch product with no active card issuance, so Australian residents can only join the waitlist rather than obtain or use a card.
5. South Africa：Cannot apply，Cannot use，Spend currently offers only a waitlist for its card and has not started issuance, so South African residents cannot obtain or use the card yet.
6. New Zealand：Cannot apply，Cannot use，The card is still under development and no live issuance program is available, so New Zealand residents cannot currently obtain or use a Spend Card.
7. Ireland：Cannot apply，Cannot use，Spend has not launched card issuance and currently only allows prospective users to join its waitlist, so Irish residents cannot obtain or use the card.
Updated: Sep 15, 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
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
Available Amount
I use my card for my spend budget, including gas and groceries. Every pay period I pay $900. I have car issues and have had to use it so I haven’t been able to pay it down to $0 like I used to as I try to get my car straightened out. That said - I paid $900 on Thursday. It immediately showed available amount of $900 + what was already available. I got gas went grocery shopping, ran errands and spent $473. But my available balance today is showing only $396, and new spending is showing $648.53. W
View original Moving cost
I’m starting fresh & Apple Pay came in clutch. Still have at least a grand left to spend on furniture. Now I need to save up before July 31st for no interest. Since having the card last year, I paid zero interest & want to continue to keep my streak. submitted by /u/Redghost187 [link] [comments]
View original Scam service who not let me use my…
Scam service who not let me use my wallet and got my money, stay far away from this.
They don't even answer tickets
Reporting them to the BBB and FBI
View original Stolen my money
Stolen my money! they just suspend my wallet with funds (over 14000$) 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
Frequently asked questions
Answers drawn from the published record on this page.
Does Spend Card require KYC?
Our record lists the Spend Card verification requirement as: Full KYC. Document and review details are in the KYC section of this page.
Does Spend Card support Apple Pay and Google Pay?
Apple Pay: Not supported. Google Pay: Not supported.
Is Spend Card a virtual or a physical card?
Spend Card is offered as: Metal card.
Where is Spend Card available?
Our record lists 1 countries or regions as available and 1 as restricted. Country-by-country status is in the regions section of this page.
Who issues Spend Card?
Spend Card is operated by Spend.com on the Visa network.