Card database / Visa / Stablecoin payment card

Utorg Card

Updated: Aug 19, 2026

Utorg Card is a non-custodial crypto Visa debit card offered by Utorg, connected to the Utorg self-custody wallet. Users hold their own private keys and can use digital assets such as USDC for card spending, with the conversion from crypto to fiat completed by the relevant service provider at the time of payment. The current personal product is a virtual card, usable at Visa merchants worldwide, and supports Apple Pay and Google Pay, with a maximum monthly card spending limit of 50,000 EUR.

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Card network

Visa

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

USDT / USDC / BTC / ETH / BNB / SOL / XRP / ADA / DOGE / TRX / DOT / ATOM / LTC / DAI

Last updated

Aug 19, 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 Card separates the self-custodial wallet from the payment card: digital assets remain in a wallet controlled by the user, while card services are provided by Chain Valley Sp. z o.o. together with payment service providers including Wirex Pay and Wirex Limited. The current personal card can be opened directly after completing KYC in the Utorg App, without applying for a physical card. The official process explicitly states that a virtual Utorg Crypto Card is issued instantly after verification. The current product page primarily presents USDC as the card top-up asset, with support for the Ethereum, Polygon, Arbitrum, Solana, and BSC networks, and payments are made to Visa merchants in local fiat currency at the point of purchase. Apple Pay and Google Pay are officially supported. During the current promotional period, card payments, cross-fiat conversion, and monthly fees are all free of charge.

Visa 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

	UUtorg virtual crypto 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 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

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

China applicability

The source text is retained below.

Original

1、中国大陆：中国大陆属于 Utorg 当前明确限制地区，居民不可正常申请；已由合资格欧洲居民取得的 Utorg Visa 卡在中国旅行时，可在接受境外 Visa 的商户使用。

2、香港：香港不属于当前 EEA 卡片申请市场，因此香港居民不可按当地居住身份申请；已持有的 Utorg Visa 卡可在香港接受 Visa 或移动钱包的商户使用。

3、澳门：澳门不属于当前 Utorg Card 开放申请地区，澳门居民不可按当地居住身份直接申请；已有虚拟卡可通过兼容移动钱包在接受 Visa 的商户消费。

4、台湾：澳门不属于当前 Utorg Card 开放申请地区，澳门居民不可按当地居住身份直接申请；已有虚拟卡可通过兼容移动钱包在接受 Visa 的商户消费。

Updated: Aug 19, 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

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.

View original

Furkan Bayraktrustpilot★ 5 / 5Jul 9, 2026

Just works

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

View original

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.

View original

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

View original

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

View original

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

View original

shayari ki mehfilgoogle_play★ 5 / 5Jul 27, 2025

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

Nice

View original

Risk factors

Updated: Aug 19, 2026

No risk factors are available

Utorg Card

Available regions

Unsupported or restricted regions

Unconfirmed regions

China applicability

Accepted documents

Review time / regional limits

KYC provider

Updated

Alipay

Apple Pay

ATM withdrawal

ChatGPT

Claude

Google Pay

Midjourney

Offline POS

Online shopping

PayPal

Subscription payment

WeChat Pay

Utorg is closed wallet

Just works

I deposited 50 $

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

Job applying

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

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

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

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

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

Official card profile is not yet available

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