Card database / Other / White-label card issuing solution

VALR

Updated: Sep 15, 2026

VALR is a custodial crypto asset trading and payment platform headquartered in Johannesburg, South Africa. It offers spot trading, margin trading, perpetual contracts, over-the-counter trading, wallets, yield products, and fiat on- and off-ramps to individuals, professional traders and businesses. VALR does not currently issue Visa or Mastercard virtual cards or physical payment cards. Users' existing bank cards are used only to top up accounts and purchase crypto assets.

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Card network
Product type: White-label card issuing solution
Card form: Virtual card
Operating status: Active
KYC level: Tiered KYC
Commercial relationship: No commercial relationship
Risk score: 80-89

Supported assets: USDTUSDCBTCETHBNBSOLXRPADADOGETRXAVAXDOTLINKMATICATOMLTCBCHXLMUNI
Last updated: Sep 15, 2026

Official and company information

Issuer identity and company credentials

VALR was founded in 2018 and is operated by VALR Proprietary Limited, headquartered in Johannesburg, South Africa. The entity is a licensed financial services provider by the South African Financial Sector Conduct Authority, registered with the Financial Intelligence Centre, and recognized by the Payments Association of South Africa as a third-party payment processor. The group also includes VALR DAM, VALR Loans, VALR Vault, VALR Cayman Limited, and VALR FZE, which handle derivatives, credit, custody, and operations in different regions respectively.

Visit website Application page

Company / issuer: VALR
Legal name: VALR Proprietary Limited
Registered region: South Africa (ZA)
Headquarters: Johannesburg, South Africa
Company type: Crypto exchange
Verification status: Verified
Issuer website: Official link
Application page: Application link

Card overview

After completing tiered identity verification, users can deposit fiat currency or crypto assets, trade through Simple Buy/Sell, spot trading, margin, perpetual contracts, and OTC services, and withdraw assets to their own bank account or external wallet. VALR Pay supports free transfers between accounts using a mobile number, email address, or QR code. In South Africa, it also supports online and in-person QR-code payments through the Zapper, Scan to Pay, Peach Payments, Ozow, and MoneyBadger networks. The service does not generate a bank card number and does not support chip-based card payments, card-based contactless payments, or ATM withdrawals.

Other 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

	VVALR Pay
Card form	Virtual card
Fees
Monthly fee	0 USD Not applicable
Card issuance fee	0 USD Not applicable
ATM fee	0 USD Not applicable
Foreign exchange fee	—
Top-up fee	Free Free top-up via bank EFT; 3.9% fee for credit/debit card top-ups
Failed transaction fee	Free
Rewards
Cashback	—
Crypto cashback	—
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.

Available regions

Applications or normal card activation are supported

181

EcuadorECMoroccoMAAndorraADMauritaniaMRArgentinaARTogoTGVanuatuVUMozambiqueMZNorwayNOHaitiHTMalaysiaMYComorosKMLithuaniaLTCosta RicaCRUgandaUGTürkiyeTRPortugalPTGhanaGHTajikistanTJGuinea-BissauGWCape VerdeCVSouth AfricaZAPeruPEQatarQAFijiFJNew ZealandNZHong KongHKGabonGASenegalSNVietnamVNPakistanPKJapanJPDominicaDMLaosLASamoaWSBurkina FasoBFAzerbaijanAZPhilippinesPHCyprusCYMarshall IslandsMHBeninBJTongaTOGreeceGRIsraelILLiberiaLRTunisiaTNPapua New GuineaPGMauritiusMUCameroonCMCentral African RepublicCFAntigua & BarbudaAGBosnia & HerzegovinaBAGambiaGMHondurasHNBurundiBICzechiaCZMontenegroMEItalyITChadTDGuyanaGYLuxembourgLUCongo - BrazzavilleCGFinlandFISloveniaSIMoldovaMDSerbiaRSVatican CityVAMonacoMCPanamaPAArmeniaAMTurkmenistanTMParaguayPYOmanOMSaudi ArabiaSATimor-LesteTLCôte d’IvoireCISpainESGrenadaGDTuvaluTVBarbadosBBAlgeriaDZGuineaGNNigeriaNGNigerNETanzaniaTZJordanJODenmarkDKMexicoMXBangladeshBDAustriaATYemenYELibyaLYIraqIQMongoliaMNSlovakiaSKSierra LeoneSLColombiaCOKenyaKEAustraliaAUSt. Kitts & NevisKNCongo - KinshasaCDMaldivesMVChinaCNHungaryHUEritreaERFranceFRZimbabweZWBelgiumBESão Tomé & PríncipeSTMalawiMWBelarusBYGeorgiaGEKuwaitKWMacaoMOSwedenSEGermanyDEVenezuelaVEMaliMLSurinameSRSingaporeSGSeychellesSCBhutanBTSt. LuciaLCRwandaRWSan MarinoSMLiechtensteinLIBelizeBZLebanonLBPalauPWLesothoLSBulgariaBGDjiboutiDJSt. Vincent & GrenadinesVCIndonesiaIDSri LankaLKRomaniaROBruneiBNIrelandIEBrazilBRLatviaLVThailandTHPolandPLBahamasBSEgyptEGTaiwanTWChileCLAngolaAONepalNPZambiaZMEthiopiaETEl SalvadorSVUnited KingdomGBSouth KoreaKRBotswanaBWNicaraguaNIMadagascarMGNamibiaNABoliviaBOGuatemalaGTEquatorial GuineaGQEstoniaEEDominican RepublicDOKiribatiKIIcelandISKyrgyzstanKGMaltaMTNorth MacedoniaMKTrinidad & TobagoTTSwitzerlandCHNauruNRSolomon IslandsSBAlbaniaALUzbekistanUZAfghanistanAFNetherlandsNLUnited Arab EmiratesAEBahrainBHJamaicaJMUruguayUYCambodiaKHCroatiaHR

Evidence: Officially supported

Unsupported or restricted regions

Applications or features are unavailable or restricted

UkraineUASyriaSYSouth SudanSSNorth KoreaKPKazakhstanKZSomaliaSOIndiaINCubaCUMyanmar (Burma)MMCanadaCAUnited StatesUSSudanSDIranIRRussiaRU

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，VALR does not currently operate a live card issuance program, and U.S. residents are also excluded from VALR’s supported customer jurisdictions.

2. United Kingdom：Cannot apply，Cannot use，VALR announced a Visa card partnership but has not launched a public card application or issuance program for UK residents.

3. Canada：Cannot apply，Cannot use，VALR does not currently issue a payment card, and Canadian residents are also excluded from VALR’s supported customer jurisdictions.

4. Australia：Cannot apply，Cannot use，Australian residents can access VALR services, but VALR has not launched a card product that can currently be applied for or issued.

5. South Africa：Cannot apply，Cannot use，Although VALR and Visa announced plans to develop card products starting with South Africa, VALR currently offers VALR Pay rather than an available Visa card application program.

6. New Zealand：Cannot apply，Cannot use，New Zealand residents may access VALR’s supported services, but there is currently no live VALR card issuance program for them.

7. Ireland：Cannot apply，Cannot use，Irish residents are not currently offered an issued VALR payment card because the announced Visa card initiative has not become a public card application program.

Updated: Sep 15, 2026

KYC requirements

Current identity-verification requirements and restrictions

KYC required

YesRequired

KYC level

Tiered KYCRequirement confirmed

Proof of address

YesRequired

Accepted documents

Passport / National ID card / Driver's license

Review time / regional limits

Automatic review usually completes within five minutes; document submission or manual review may extend to three days.

KYC provider

Not disclosed

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

Supported3

Not supported9

UpdatedAug 5, 2026

Wallet payments

Alipay

Not supported

Aug 5, 2026

Wallet payments

Apple Pay

Supported

Aug 5, 2026

Cash services

ATM withdrawal

Not supported

Aug 5, 2026

AI tools

ChatGPT

Not supported

Aug 5, 2026

AI tools

Claude

Not supported

Aug 5, 2026

Wallet payments

Google Pay

Supported

Aug 5, 2026

AI tools

Midjourney

Not supported

Aug 5, 2026

In-person payments

Offline POS

Not supported

Aug 5, 2026

Online shopping

Supported

Aug 5, 2026

Wallet payments

PayPal

Not supported

Aug 5, 2026

Subscriptions

Subscription payment

Not supported

Aug 5, 2026

Wallet payments

WeChat Pay

Not supported

Aug 5, 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

Sbonelo Ngonyamagoogle_play★ 5 / 5Aug 15, 2026

VALR Crypto Exchange Google Play review - 5 star

It's in provide

Official reply

Thank you so much for the fantastic 5-star rating, Sbonelo! Could you please share the love and tell your friends about our app?

View original

Nthàbiseng Preciousgoogle_play★ 5 / 5Aug 15, 2026

VALR Crypto Exchange Google Play review - 5 star

very good and easy app for everyone to use it.

Official reply

Hi Nthàbiseng, it's wonderful to hear that you find the app easy and simple to use. We truly appreciate your fantastic 5-star review!

View original

Mamotseko Mofokenggoogle_play★ 5 / 5Aug 15, 2026

VALR Crypto Exchange Google Play review - 5 star

excellent

Official reply

Hi Mamotseko, we are happy to know that you’re having an amazing experience with our app.

View original

Slomo Shezigoogle_play★ 5 / 5Aug 13, 2026

VALR Crypto Exchange Google Play review - 5 star

good

Official reply

Thank you so much for your encouraging 5-star ratings, Slomo! We will keep working to provide a great user experience.

View original

bongani msomigoogle_play★ 5 / 5Aug 11, 2026

VALR Crypto Exchange Google Play review - 5 star

very good

Official reply

Hi Bongani! Thanks so much for your 5-star rating. We hope you continue to enjoy using our app :)

View original

merrygoogle_play★ 5 / 5Aug 9, 2026

VALR Crypto Exchange Google Play review - 5 star

VALR Crypto Exchange is a real Gem in the crypto world. The fast wallet makes transactions smooth and efficient, while the nice design ensures a clean and user friendly experience. Reliable, secure, and easy to use perfect for both beginners and pros. It is working fine on my vivo y71.

Official reply

Thank you so much for your positive feedback Merry! Your kind words motivate us to continue delivering the best app experience possible. We really appreciate your support! 💙

View original

Nokuthula Ndlovugoogle_play★ 5 / 5Aug 7, 2026

VALR Crypto Exchange Google Play review - 5 star

it is manageable and easy to use

Official reply

Thank you so much for your 5-star review Nokuthula! Please be sure to recommend our app to your friends 😊

View original

Phokela Phaks Malesagoogle_play★ 5 / 5Aug 6, 2026

VALR Crypto Exchange Google Play review - 5 star

I won R28 million

Official reply

Thank you for sharing your review Phokela. Please remember, VALR does not guarantee profits. If someone promises high returns that seem unrealistic, you might have encountered a bad actor. Kindly contact us at help@valr.com so we can look into your review, and support you further.

View original

Tracey Linksgoogle_play★ 4 / 5Aug 6, 2026

VALR Crypto Exchange Google Play review - 4 star

so far,no doubts!

Official reply

Thank you for your review Tracey! If you are enjoying our app please be sure to increase your star rating. ⭐

View original

lelahla masheligoogle_play★ 5 / 5Aug 6, 2026

VALR Crypto Exchange Google Play review - 5 star

fast and convenient

Official reply

We're always working hard to improve the app and offer a seamless experience, and your feedback on this is really helpful. Thank you for your review Lelahla!

View original

Risk factors

Updated: Aug 5, 2026

No risk factors are available

Frequently asked questions

Answers drawn from the published record on this page.

Does VALR require KYC?

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

Does VALR support Apple Pay and Google Pay?

Apple Pay: Supported. Google Pay: Supported.

Which assets can I top up VALR with?

Our record lists VALR support for: USDT, USDC, BTC, ETH, BNB, SOL, XRP, and ADA (19 in total).

Is VALR a virtual or a physical card?

VALR is offered as: Virtual card.

Where is VALR available?

Our record lists 181 countries or regions as available and 14 as restricted. Country-by-country status is in the regions section of this page.