Card database / Visa / Stablecoin payment card

Utorg Card

Updated: Sep 29, 2026

Utorg Card is a crypto payment card within Utorg’s self-custody wallet ecosystem. Users retain control of their wallet private keys, while card funding can be provided from digital assets such as USDC held in the wallet, without first placing those assets under long-term custody at an exchange or in a separate card account. The assets required for spending are converted into fiat within the payment flow for settlement, creating a product structure of “self-custody wallet + on-chain stablecoin funding + card payments.”

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Card network
Product type: Stablecoin payment card
Card form: Virtual card
Operating status: Active
KYC level: Full KYC
Commercial relationship: No commercial relationship
Risk score: 80-89

Supported assets: USDTUSDCBTCETHBNBSOLXRPADADOGETRXDOTATOMLTCDAI
Last updated: Sep 29, 2026

Official and company information

Issuer identity and company credentials

Utorg is a fintech platform offering non-custodial crypto wallets, fiat-to-crypto on/off ramps, stablecoin payment infrastructure, and crypto payment card access. The Utorg App primarily functions as wallet software and an aggregator of third-party services; crypto buying/selling, crypto-to-fiat conversion, and card services are provided by external investment service companies, crypto service providers, and payment institutions.

Visit website Application page

Company / issuer: Utorg
Legal name: UTORG LABS HOLDING LTD
Registered region: United Arab Emirates (AE)
Headquarters: Abu Dhabi, United Arab Emirates
Company type: Fintech
Verification status: Verified
Issuer website: Official link
Application page: Application link

Card overview

Utorg integrates a self-custody crypto wallet and payment card within the same application. Wallet assets remain under the user’s control, while card services are provided through third-party payment infrastructure such as Chain Valley and Wirex. Users can fund the card with USDC from networks including Ethereum, Polygon, Arbitrum, Solana, and BSC. When a purchase occurs, the payment service converts the required crypto assets into fiat for settlement, rather than requiring users to place their entire wallet balance under Utorg’s custody. The current personal card is primarily aimed at the European Economic Area market and includes an instantly available virtual card. Its core distinction is the connection between user-controlled non-custodial wallet assets and traditional card payment rails.

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

	UUtorg Card
Card form	Virtual card
Fees
Monthly fee	Free No monthly card fee currently
Card issuance fee	Free Currently free to apply
ATM fee	—
Foreign exchange fee	Free FX fee waived during current promotional period
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	50,000 EUR Maximum monthly card 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.

Available regions

Applications or normal card activation are supported

SloveniaSIMaltaMTLiechtensteinLISwedenSEBelgiumBEGermanyDEIrelandIEIcelandISLatviaLVBulgariaBGPolandPLEstoniaEEPortugalPTNorwayNOCroatiaHRHungaryHUSlovakiaSKRomaniaROLithuaniaLTGreeceGRCzechiaCZFinlandFILuxembourgLUNetherlandsNLAustriaATSpainESFranceFRItalyITUkraineUADenmarkDKCyprusCY

Evidence: Officially supported

Unsupported or restricted regions

Applications or features are unavailable or restricted

BahamasBSPanamaPAGuyanaGYMaliMLAmerican SamoaASChinaCNJapanJPGhanaGHUnited StatesUSLaosLAEgyptEGSerbiaRSLebanonLBBotswanaBWUgandaUGSamoaWSSouth SudanSSZimbabweZWSudanSDRussiaRUU.S. Virgin IslandsVISingaporeSGGuamGUPakistanPKTunisiaTNEthiopiaETYemenYEGuinea-BissauGWIranIRPuerto RicoPRBosnia & HerzegovinaBANorth KoreaKPSomaliaSOMauritiusMUCentral African RepublicCFCubaCUIraqIQTrinidad & TobagoTTMyanmar (Burma)MMVanuatuVUAfghanistanAFNorthern Mariana IslandsMPBurundiBIBarbadosBBCongo - KinshasaCDJamaicaJMSyriaSYNicaraguaNILibyaLY

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，Utorg Card is not issued to U.S. residents, and the card-service terms expressly exclude users located in or resident in the United States.

2. United Kingdom：Cannot apply，Can use，The current Utorg Card issuance program is focused on the EEA, but the card-service terms specifically allow UK card access where supported by the card provider.

3. Canada：Cannot apply，Can use，Canada is outside the current EEA issuance area, but an Utorg Card lawfully issued to an eligible user can be used there for purchases.

4. Australia：Cannot apply，Can use，Australian residents are outside Utorg’s current EEA card-issuance scope, while eligible cards issued elsewhere can still be used in Australia.

5. South Africa：Cannot apply，Can use，South Africa is outside the current EEA issuance program, but it is not listed as a prohibited card-service jurisdiction for existing eligible cardholders.

6. New Zealand：Cannot apply，Can use，New Zealand residents are outside the current EEA issuance area, while an Utorg Card issued to an eligible user can still be used locally.

7. Ireland：Can apply，Can use，Ireland is within the EEA issuance area, and eligible residents can obtain the virtual card after completing the required identity verification.

Updated: Sep 13, 2026

KYC requirements

Current identity-verification requirements and restrictions

KYC required

YesRequired

KYC level

Full KYCRequirement confirmed

Proof of address

UnconfirmedPending

Accepted documents

Passport / National ID card / Driver's license

Review time / regional limits

Automated review generally takes about 3–5 minutes; abnormal documents go to manual compliance review, extending the review time.

KYC provider

Not disclosed

Updated

Aug 19, 2026

Payment compatibility

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

Compatibility overview12 scenarios

Supported9

Not supported3

UpdatedAug 19, 2026

Wallet payments

Alipay

Not supported

Aug 19, 2026

Wallet payments

Apple Pay

Supported

Aug 19, 2026

Cash services

ATM withdrawal

Not supported

Aug 19, 2026

AI tools

ChatGPT

Supported

Aug 19, 2026

AI tools

Claude

Supported

Aug 19, 2026

Wallet payments

Google Pay

Supported

Aug 19, 2026

AI tools

Midjourney

Supported

Aug 19, 2026

In-person payments

Offline POS

Supported

Aug 19, 2026

Online shopping

Supported

Aug 19, 2026

Wallet payments

PayPal

Supported

Aug 19, 2026

Subscriptions

Subscription payment

Supported

Aug 19, 2026

Wallet payments

WeChat Pay

Not supported

Aug 19, 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

Gokmen Swedentrustpilot★ 1 / 5Aug 16, 2026

Utorg is closed wallet

Utorg is closed wallet, couldn't reopening with add payment method temporary, last may 2026. Now I had delete my utorg account, don't longer use this. Sorry.

Official reply

Hi Gokmen, sorry for that experience. Thank you for your feedback. We’d like to clarify that the Utorg crypto wallet remains available. We’re sorry to see you go and hope to welcome you back in the future.

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Furkan Bayraktrustpilot★ 5 / 5Jul 9, 2026

Just works

Set up in a few minutes, card worked instantly. No monthly fee, no FX surprises

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Gökmen (Sweden)trustpilot★ 4 / 5May 15, 2026

I deposited 50 $

Very good Utorg. Not problem with withdrawal is good cheaper fees.

Official reply

Very good Gökmen No issues and low fees, happy you enjoyed it

View original

O Mgoogle_play★ 1 / 5Apr 29, 2026

Utorg: Crypto Wallet & Card Google Play review - 1 star

it cant create new cards, all current cards are blocked. this is a scam product, do not use REPLY it is still not possible to create new cards in the app. so the service is disfunctional

Official reply

Hi! Old cards were deactivated as we switched to a new card provider, all existing card users were notified about this change in advance. To get a new card, please check your email for a special issuance link. Can't find it? Support in the app will resend it. Your balance can also be transferred to the new card or refunded to crypto.

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asasastrustpilot★ 1 / 5Dec 3, 2025

Job applying

проходил этапы собеседований для трудоустройства в данную компанию, кратко, максимально не рекомендую иметь с ними дело, после пройденых всех этапов и детальнейших ответов на все их вопросы, которые к слову были одинаковы на 3х этапах собеседований получил ответ : Мы выбрали другого кандидата, который больше подошел по уровню знаний ( По каким знаниям, никому и в помине не известно) Сложилось впечатление что у тим лида и остальных членов команды намного меньше знаний в сфере исходя из их вопросов. В заключение, крайне не советую тратить вам драгоценное на них время

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oleksiigoogle_play★ 5 / 5Nov 4, 2025

Utorg: Crypto Wallet & Card Google Play review - 5 star

since the last update app closes, when I try to top up my card balance with usdc. please, check

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--google_play★ 1 / 5Oct 22, 2025

Utorg: Crypto Wallet & Card Google Play review - 1 star

useless

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Yurii Morozovgoogle_play★ 1 / 5Sep 16, 2025

Utorg: Crypto Wallet & Card Google Play review - 1 star

Для українців які живуть в Україні послуги не надаються, хоча це ніде не вказано і треба витратити купу часу щоб це зрозуміти!

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Rajbahadur Arya Rautgoogle_play★ 5 / 5Aug 21, 2025

Utorg: Crypto Wallet & Card Google Play review - 5 star

very very very good service

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shayari ki mehfilgoogle_play★ 5 / 5Jul 27, 2025

Utorg: Crypto Wallet & Card Google Play review - 5 star

Nice

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Risk factors

Updated: Aug 19, 2026

No risk factors are available

Frequently asked questions

Answers drawn from the published record on this page.

Does Utorg Card require KYC?

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

Does Utorg Card support Apple Pay and Google Pay?

Apple Pay: Supported. Google Pay: Supported.

Which assets can I top up Utorg Card with?

Our record lists Utorg Card support for: USDT, USDC, BTC, ETH, BNB, SOL, XRP, and ADA (14 in total).

Is Utorg Card a virtual or a physical card?

Utorg Card is offered as: Virtual card.

Where is Utorg Card available?

Our record lists 31 countries or regions as available and 49 as restricted. Country-by-country status is in the regions section of this page.

Who issues Utorg Card?

Utorg Card is operated by Utorg on the Visa network.