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U 卡資料庫 / Visa / 加密預付卡
C
Choise.com Card
更新時間: 2026年8月7日
Choise.com Card 是原 Crypterium 品牌推出的歐元 Visa 加密預付卡，包括虛擬卡和塑膠實體卡。產品透過 Choise/Crypterium 託管錢包儲值，使用者將帳戶內的加密資產轉換為卡片餘額後消費；虛擬卡主要用於線上和 Apple Pay，實體卡另支援線下商家及 ATM。目前兩種卡片均停止接受訂購，Choise Services UAB 已進入清算且不再營運相關產品。
已確認未上架 App Store
官方與公司資訊
發行方身分與公司資質概覽
Choise.com 是由 Crypterium 相關業務演變而來的加密金融平台，產品覆蓋加密資產帳戶、兌換、買幣、Payout to card、錢包、利息帳戶以及 Crypterium 卡入口。其條款顯示 Charism LLC 提供開戶、加密資產兌換、加密信貸和加密儲蓄服務，Choise Services UAB 提供 crypto-to-fiat / fiat-to-crypto、使用者註冊入駐和 KYC/AML 實施相關服務。卡產品方面，Choise/Crypterium 頁面顯示卡訂單目前不可用，且過往 Crypterium 預付卡由 UAB Waletto 依據 Visa 許可發行，Choise.com 自身不是銀行，也不是直接發卡主體。
卡片概覽
Choise.com Card 延續 Crypterium Card 的產品體系。使用者原本可在託管錢包持有加密資產，將資產轉換並儲值至歐元預付卡餘額，再透過 Visa 網路完成支付。Virtual card 可用於線上交易及 Apple Pay；Plastic card 除了線上消費外，還可在實體商家刷卡並從 ATM 提領現金。卡片不是銀行信用卡，不提供循環信用額度，交易金額以卡內可用餘額為限。卡片由立陶宛電子貨幣機構 UAB Walletto 依據 Visa 授權發行，Crypterium AS 擔任卡片方案管理方。目前產品頁面仍保留歷史功能和費率，但已明確顯示無法訂購；營運 Choise.com 的 UAB Choise Services 已於 2025 年進入清算。
Visa 卡片體驗地區可用性權益條款可能變動
提示: Choise Services UAB 的法律狀態自 2025/04/01 起登記為「清算中」，隨後公司公開回覆亦確認公司不再營運並集中處理清算事項。目前 Crypterium Plastic card 與 Virtual card 均已關閉新卡申請
卡片形態與費用差異
比較不同卡片形態與等級的已核驗費用紀錄
按住或滑動表格任意區域，左右查看全部卡片；左側項目保持固定
C Crypterium Plastic card | C Crypterium Virtual card | |
|---|---|---|
| 卡片形態 | 實體卡 | 虛擬卡 |
| 費用 | ||
| 月費 | 2.99 EUR 啟用滿一個月後收取 | 0 EUR 依每月儲值條件減免，否則€2.99 |
| 開卡費 | — | — |
| ATM 提款費 | 3 EUR + 1.6% 每筆提款時收取 | — |
| 貨幣轉換費 | 2.5% 非歐元交易時收取 | 2.5% 非歐元交易時收取 |
| 儲值費 | 2% 每次卡片儲值收取 | 2% 每次卡片儲值收取 |
| 交易失敗費 | — | — |
| 獎勵 | ||
| 現金回饋 | 2.99 EUR 月儲值超過 €299 | 2.99 EUR 合併每月儲值超€299 |
| 加密貨幣回饋 | — | — |
| 質押獎勵 | — | — |
| 質押年利率 | — | — |
| 歡迎獎勵 | — | — |
| 推薦獎勵 | — | — |
| 限制 | ||
| 每日支出上限 | 2,500 EUR POS 與線上合計 | 2,500 EUR Apple Pay及線上合計 |
| 每月支出上限 | 10,000 EUR POS與線上各€5,000 | 10,000 EUR 兩類交易各€5,000 |
| ATM 提款上限 | 500 EUR 每日€500；每月€2,500，按自然週期計算 | — |
| 卡片網路 |
費用可能因地區、卡片等級與官方政策而變動，請核對最新官方條款。
地區與中國地區適用性
依公開來源、官方政策與使用者回報整理申請狀態，不構成辦卡建議。
不支援或受限地區
申請或部分功能不可用或受限
日本JP烏克蘭UA印度IN美國US中國CN新加坡SG台灣TW俄羅斯RU
- 證據來源
- 官方限制
尚未確認地區
證據不足，狀態有待確認
沒有紀錄
- 證據來源
- 公開資料
中國地區適用性
以下保留資料原文。
原文
1、中国大陆：不可申请；此前也属于非欧盟居民限制范围，产品原支持境外 Visa 商户支付，但当前已停止新卡及正常运营服务。
2、香港：不可申请；此前属于非欧盟居民限制范围，当前无法通过正常流程获得虚拟卡、实体卡、补卡或相关账户服务。
3、澳门：不可申请；此前属于非欧盟居民限制范围，产品原有 Visa 支付能力不代表当前仍可获得或激活新卡。
4、台湾：不可申请；此前属于非欧盟居民限制范围，当前卡片订购和运营已经停止，无法作为持续支付产品使用。
更新時間: 2026年7月25日
KYC 要求
開戶前目前核驗的身分驗證要求與限制
是否需要 KYC
是需要KYC 等級
完整 KYC要求已確認居住證明
是需要支援證件
國際護照 / 身分證
審核時間 / 地區限制
自動KYC通常約5至10分鐘，異常資料進入人工合規複核
KYC 服務商
Ondato
更新時間
2026年8月7日
支付相容性
各類支付情境的支援狀態與更新時間 · 實際可用性可能受地區、商家與發行方政策影響
相容性概覽12 個情境
支援0
不支援12
更新時間2026年8月7日
行動錢包付款
Alipay
不支援
2026年8月7日
行動錢包付款
Apple Pay
不支援
2026年8月7日
現金服務
ATM 提款
不支援
2026年8月7日
AI 工具
ChatGPT
不支援
2026年8月7日
AI 工具
Claude
不支援
2026年8月7日
行動錢包付款
Google Pay
不支援
2026年8月7日
AI 工具
Midjourney
不支援
2026年8月7日
實體付款
實體 POS
不支援
2026年8月7日
線上購物
線上購物
不支援
2026年8月7日
行動錢包付款
PayPal
不支援
2026年8月7日
訂閱服務
訂閱付款
不支援
2026年8月7日
行動錢包付款
WeChat Pay
不支援
2026年8月7日
使用者評論
顯示 10 則已核准且符合此卡片的評論
Cette entreprise est une bonne arnaque.
Cette entreprise est une bonne arnaque.
Ils ont fermé mon compte sans explication, je ne peux donc plus accéder à mon compte et ai perdu ce que j’avais investi.
Le pire est que malgré mes mails, tous sont restés sans réponse.
Bravo les voleurs !
This company is a complete scam.
They closed my account without explanation, so I can no longer access it and I've lost my investment.
The worst part is that despite my emails, they've all gone unanswered. Well done, thieves!
查看原文 Lack of further information regarding Liquidation process and payout of held funds
Their liquidation process has taken forever and now, neither the app support team nor their support email "Requests" answer back.
Their review process was due on September 2025, and then extended to November 2025. After that date no more communications have been issued, and we are already in June 2026.
查看原文 Been trying for years to get my funds…
Been trying for years to get my funds back. First from Crypterium now Choise.com
It's a scam..Very expensive one..
Owner Vladimir Gorbunov do the right thing and return my funds now.
查看原文 Guys its scam!!!!File a report with…
Guys its scam!!!!File a report with Interpol and Europol and complain to the Bank of Lithuania. Don't spend any money in their apps. You'll never see your money again. I hope the CEO ends up in jail and extradited.
查看原文 CHOISE.COM TOTAL SCAM!!
TOTAL SCAM!!! And, Google Play is FULL of Reviews that say this, but they STILL keep the App in their store!! They stole $130000 in Bitcoin from me. Stay away. Stay away
查看原文 The most disgusting crypto scam ever…
The most disgusting crypto scam ever made! They said that by the end of November I was going to be refunded 100% it’s December and nothing !
Let’s start a class action, I don’t mind now losing my funds as long as I take down this worthless SCAMMERS !
查看原文 Choise.com has been failing for years
Choise.com has been failing for years. Customers have been unable to withdraw funds as the system failed many years ago. Prior to that there was a “rebranding” to remove association to Crypterium which was a scam cryptocurrency ico and failed predecessor fake bank.
They claim the the liquidation is being handled under EU regulator and Lithuanian regulator direction. There is no press releases from any regulator- if there is produce a copy here, There is no 3rd party administrator that legitimate liquidations require for impartiality, and they don’t share any transparency to the regulators names and no regulator has ever contacted customers.
Their own website says all funds are 100% insured by BitGo - they are not- trustpilot should demand Choise provide proof of the insurance policy. They are not a licensed financial institution with EU. If you follow the links to their corporate registration it’s for an apartment rental business and the address provided is a residential house- there is no office just a web of shadow entities in Caribbean, Lithuania, Dubai and Russia to mask owners and actions.
Over the past years funds have been stuck and during that time they claimed the reasons were technical. You can see some of those claims on trust-pilot, YouTube, LinkedIn going back years.
Trustpilot should also take some accountability for allowing scams like this to continue. In May and June 2025 Choise flooded the reviews with fake Russian reviews all complimenting the features and UX to have a trust score spike up to over 4 out of 5. These were patently fake - the site has been unable to trade for years at this point and at that time Choise was under liquidation and the claims of great features were lies as site was inoperable. I provided that proof to trustpilot and a review that could have warned people. Trustpilot blocked my review and left those 5 star reviews complimenting features for a site that doesn’t trade and was broken and inoperable up. When I provided proof including legal documents trustpilot published my review for 1 day and then took it down again and said the decision final. Fast forward- now we know it’s a scam and more people lost money and now trustpilot lists the company as suspicious and now score drops to 2.1 overnight - if you had just investigated this earlier some people wouldn’t have lost everything.
Where is any fact checking of the responses from Choise?. Why let them continuously Chaim they are being liquidated under EU and Lithuanian Regulators without trust-pilot holding them accountable to show those regulatory oversight documents.
You continue to allow them to misrepresent themselves while customers are blocked about warning others. 1. The entire site is well documented as down and has been impossible to withdraw for YEARS. 2. The dates for the regulators to disburse funds have come and gone and nothing happened. 3. There is no listing on the regulator sites of oversight because it’s a voluntary liquidation and there is no administrator nor EU oversight 4. Management is linked to a string of failed scams in crypto and is launching new ones as we speak. 5. There has been no official communication to customers when the September 30 date missed and the website still isn’t transparent about the fact the company is defunct. 6. Claims about being fully insured by BitGo and EU regulated & Lithuania regulated are 100 percent false and regulators will confirm this is a privately listed apartment rental business that faked its credentials
Very very sad trustpilot allowed this business to hold highly positive trust scores for the majority of 2025 - ignoring all the signs, blocking negative reviews and giving this scam a megaphone and not fact checking the claims or reviews that were praising the in liquidation and scam site
官方回覆
查看原文 Choise Services UAB is undergoing a formal, court-registered voluntary liquidation in accordance with the laws of the Republic of Lithuania and the applicable EU legal framework. The liquidation is conducted by a licensed Lithuanian liquidator, whose appointment and obligations are registered in the official Lithuanian company register. The company is not operating, and all efforts are focused on completing the legal liquidation process in accordance with the law. Voluntary liquidation under Lithuanian law does not involve the appointment of an external administrator unless required by court or creditors. It is supervised by statutory legal procedures and registrars. It is not equivalent to forced insolvency or regulatory intervention, and we have never claimed otherwise. All communications and requests for verification — including identity and claim validation — are conducted under mandatory AML/KYC compliance rules to prevent fraud and unauthorized access during liquidation. No entity has the right to process claims or release funds outside of this legal framework. We also strongly refute claims that we faked Trustpilot reviews. Any reviews posted are individual user submissions, and we have no ability to control, fabricate, or suppress public opinion. Accusations against our team or the platform without evidence are unacceptable and legally actionable. Regarding BitGo — Choise previously used insured custodial services for wallet storage. However, custodial arrangements and representations are not relevant to the liquidation process, which is governed by legal, not operational, obligations. We remind all users that spreading knowingly false and damaging allegations — including accusations of fraud, fabricated corporate structures, and impersonated credentials — may constitute civil defamation under Lithuanian Civil Code (Art. 2.24) and applicable EU reputation protection laws. These statements are being reviewed by our legal team. If you have a valid legal claim and have not received a response, we encourage you to contact the liquidation support channel at support@choise.com. Public accusations and unfounded conspiracy theories do not assist in resolving real user concerns.
I’m facing withdrawal issues since long…
I’m facing withdrawal issues since long time the support stopped reply to me after I’ve send them all the documents required.
官方回覆
查看原文 Sorry for your wait. Please remain patient, and our team will reply to you via email as soon as possible.
All my money is gone
All my money is gone. Becareful
官方回覆
查看原文 We regret that your experience has led to disappointment, but we must clarify that Choise Services UAB is currently undergoing a formal liquidation process, conducted in accordance with Lithuanian and EU law. During this process, all users — regardless of the size of their investment — are subject to the same legal procedures set by the court-appointed liquidator. The company does not control timelines or processing steps and cannot act outside of the legal framework. We reject suggestions that the process lacks transparency. Full information about the liquidation, including claim procedures and contact points, has been made publicly available. If you have specific concerns about your claim, we encourage you to contact support@choise.com. We ask that reviews remain factual. We are committed to completing the legal process properly and in accordance with the rights of all verified claimants.
debbiedetarr@ gmail…….…
I found out that it was a Ponzi scheme weeks ago when they refused to pay me I requested for withdrawal 4 times it was denied and the customer service is fully of crap ……. Don’t be shy to seek help
I refused to let them go away with my money filed a complaint and got everything back within few days
官方回覆
查看原文 We regret that your experience has led to disappointment, but we must clarify that Choise Services UAB is currently undergoing a formal liquidation process, conducted in accordance with Lithuanian and EU law. During this process, all users — regardless of the size of their investment — are subject to the same legal procedures set by the court-appointed liquidator. The company does not control timelines or processing steps and cannot act outside of the legal framework. We reject suggestions that the process lacks transparency. Full information about the liquidation, including claim procedures and contact points, has been made publicly available. If you have specific concerns about your claim, we encourage you to contact support@choise.com. We ask that reviews remain factual. We are committed to completing the legal process properly and in accordance with the rights of all verified claimants.
風險因素
更新時間: 2026年7月25日
沒有可用的風險因素