可申請地區
支援申請或可正常開卡使用
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- 證據來源
- 官方支援
U 卡資料庫 / Mastercard / 加密預付卡
T
Tap Card
更新時間: 2026年8月4日
Tap Card 是 Tap Global 提供的加密資產支付卡，使用者可在 Tap 應用程式中持有、買賣及轉換加密貨幣，並將兌換後的法幣餘額用於卡片消費。產品提供虛擬卡與實體卡，支援在全球 Mastercard 商戶進行線上付款、實體刷卡及 ATM 提款，並依 Essential 至 Prestige 六種方案提供不同等級的 XTP 消費回饋、消費額度與提款權益，適合需要整合加密資產管理、法幣帳戶及日常支付功能的使用者
官方與公司資訊
發行方身分與公司資質概覽
Tap Card 由註冊於直布羅陀的 Tap Global Limited 負責平台營運和專案管理，該公司註冊號為 118724，並持有直布羅陀金融服務委員會頒發的分散式帳本技術牌照。Mastercard 卡片由 Transact Payments Limited 發行，該機構註冊於直布羅陀，註冊號為 108217，並作為受監管電子貨幣機構承擔卡片發行和電子貨幣服務。不同地區的帳戶服務還可能由 Moorwand Ltd、Heuro SAS 等合作付款機構提供。
卡片概覽
使用者完成身分驗證後，可在 Tap 應用程式內開立電子貨幣帳戶，並使用銀行轉帳、銀行卡或加密資產為帳戶增加資金。加密資產必須先在平台內兌換為法幣，再轉入可用的卡片餘額；交易時不會直接從鏈上錢包扣除加密貨幣。虛擬卡適合線上購物，實體卡可用於晶片、感應支付及 ATM 提款，使用者可以透過應用程式凍結或解凍卡片，並接收即時交易通知。Tap 設有 Essential、Plus、Prime、Premier、Platinum 和 Prestige 六個方案，較高等級必須鎖定相應價值的 XTP 十二個月，可提高加密貨幣回饋比例、月度消費限額及免費 ATM 提款額度。卡片可在接受 Mastercard 的商家和 ATM 使用，但開戶及發卡資格受居住國家限制。
Mastercard 卡片體驗地區可用性權益條款可能變動
提示: 目前沒有其他提示。
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
T Tap Essential Card | T Tap Plus Card | T Tap Prime Card | T Tap Premier Card | T Tap Platinum Card | T Tap Prestige Card | |
|---|---|---|---|---|---|---|
| 卡片形態 | 虛擬卡 + 實體卡 | 虛擬卡 + 實體卡 | 虛擬卡 + 實體卡 | 虛擬卡 + 實體卡 | 虛擬卡 + 實體卡 | 虛擬卡 + 實體卡 |
| 費用 | ||||||
| 月費 | 免費 | 免費 | 免費 帳戶方案不收月費 | 免費 | 免費 | 免費 |
| 開卡費 | 4.99 EUR 升級費用 | 4.99 EUR 升級費用 | 4.99 EUR 升級費用 | 4.99 EUR 升級費用 | 4.99 EUR 升級費用 | 4.99 EUR 升級費用 |
| ATM 提款費 | 免費 限方案免費額度 | 免費 限方案免費額度 | 免費 限方案免費額度 | 免費 限方案免費額度 | 免費 限方案免費額度 | 免費 方案內不限額免費 |
| 貨幣轉換費 | 1.99% 非歐元卡消費換匯 | 1.49% 非歐元卡消費換匯 | 0.99% 非歐元卡消費換匯 | 0.75% 非歐元卡消費換匯 | 0.5% 非歐元卡消費換匯 | 0.25% 非歐元卡消費換匯 |
| 儲值費 | — | — | — | — | — | — |
| 交易失敗費 | — | — | — | — | — | — |
| 獎勵 | ||||||
| 現金回饋 | — | — | — | — | — | — |
| 加密貨幣回饋 | 0.5% 消費結算後發放 | 1.5% 消費結算後發放 | 3% 消費結算後發放 | 4% 消費結算後發放 | 6% 消費結算後發放 | 8% 以XTP發放，消費結算後發放 |
| 質押獎勵 | — | 300 EUR Plus等級權益，鎖定€300等值XTP | 2,000 EUR Prime 等級權益，鎖定€2,500等值XTP | 5,000 EUR Premier 等級權益，鎖定€5,000等值XTP | 15,000 EUR Platinum 等級權益，鎖定€15,000等值XTP | 25,000 EUR Prestige等級權益，需鎖定€25,000等值XTP |
| 質押年利率 | — | — | — | — | — | — |
| 歡迎獎勵 | — | — | — | — | — | — |
| 推薦獎勵 | — | — | — | — | — | — |
| 限制 | ||||||
| 每日支出上限 | — | — | — | — | — | — |
| 每月支出上限 | 15,000 EUR 自然月累計支出 | 15,000 EUR 自然月累計支出 | 15,000 EUR 自然月累計支出 | 15,000 EUR 自然月累計支出 | 25,000 EUR 自然月累計支出 | 30,000 EUR 自然月累計支出 |
| ATM 提款上限 | 500 EUR 每月免費額度，超過額度另計費用 | 500 EUR 每月免費額度，超過額度另計費用 | 500 EUR 每月€500免費額度，超過額度另計費用 | 500 EUR 每月免費額度，超過額度另計費用 | 1,000 EUR 每月€1,000免費額度，超過額度另計費用 | 無上限 不限額免費額度，ATM方仍可另收費 |
| 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
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- 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：中国大陆居民不可申请；已在支持地区发行的卡片可在接受 Mastercard 的商户和 ATM 使用，并可尝试绑定微信支付或支付宝。
2、香港：中国香港居民不可申请；已发行卡可用于当地接受 Mastercard 的线上、线下商户和支持境外卡取现的 ATM。
3、澳门：中国澳门居民不可申请；已发行卡可在接受 Mastercard 的商户和 ATM 使用，交易按卡片账户币种进行换汇。
4、台湾：中国台湾居民不可申请；已发行卡可在当地接受 Mastercard 的线上和线下商户使用，实体卡支持 ATM 取现。
更新時間: 2026年8月4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
護照 / 駕駛執照 / 政府核發身分證件 / 銀行對帳單 / 水電帳單 / 稅務文件 / 政府核發地址文件
審核時間 / 地區限制
自動審核通常數分鐘，人工合規複核最長可持續十個工作日
KYC 服務商
Sumsub
更新時間
2026年8月4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11
不支援1
更新時間2026年8月4日
行動錢包付款
Alipay
支援
2026年8月4日
行動錢包付款
Apple Pay
不支援
2026年8月4日
現金服務
ATM 提款
支援
2026年8月4日
AI 工具
ChatGPT
支援
2026年8月4日
AI 工具
Claude
支援
2026年8月4日
行動錢包付款
Google Pay
支援
2026年8月4日
AI 工具
Midjourney
支援
2026年8月4日
實體付款
實體 POS
支援
2026年8月4日
線上購物
線上購物
支援
2026年8月4日
行動錢包付款
PayPal
支援
2026年8月4日
訂閱服務
訂閱付款
支援
2026年8月4日
行動錢包付款
WeChat Pay
支援
2026年8月4日
使用者評論
顯示 10 則已核准且符合此卡片的評論
Tap Electric weigert geleverde stroom…
Tap Electric weigert geleverde stroom uit te betalen op basis van een 3-maandenregel die niet eens in hun eigen algemene voorwaarden staat. Klantenservice weigert te escaleren.
查看原文 A scam!
A scam!
I opened my account and completed all the verification requirements.
A few days later, I received a transfer of 1,500 USDT.
Since I wasn't using the funds, I decided to put them into the Earn (staking) program, which offered a good interest rate. Before doing so, I contacted customer support, and they assured me that I could withdraw the funds at any time.
However, on Saturday I decided to withdraw my money, and the funds simply disappeared. My account balance dropped to zero.
Customer support was unable to help. Apparently, nobody works on weekends, so you leave your money with them, and if something goes wrong, there's no one available to assist you.
It wasn't until Monday that customer service replied, saying they would investigate what had happened. Then, a few hours later, I received an email asking me to submit all my KYC documents again, without providing any explanation about where my funds are.
I do not recommend opening an account with TAP. It is an absolute disgrace!
官方回覆
查看原文 Hi Greg,
Thank you for sharing your feedback.
We're sorry to hear that your experience did not meet your expectations.
We would like to clarify that our support team operates 7 days a week, including weekends. While response times may occasionally be longer during busy periods, your case remained under active review throughout.
We understand that the temporary unavailability of your funds caused concern. However, as confirmed by our team, your assets were not lost and the matters raised were subsequently resolved.
The additional verification request you received formed part of our regulatory obligations and account security procedures. These checks may occasionally be required to protect customers and ensure compliance with applicable regulations.
We appreciate that the situation was frustrating and apologise for any inconvenience caused. Should you wish to discuss your experience further, our team remains available to assist.
Best regards,
Tap Team
Tap - Mobile Finance Google Play review - 5 star
very good app
查看原文 Great app and customer service!
官方回覆
查看原文 Hi,
Thank you for your kind words and for taking the time to leave a review!
We're delighted to hear that you've had a positive experience with both the app and our customer support team. Feedback like yours means a lot to us and motivates us to continue improving our services.
Thank you for being part of the Tap community.
They transferred my portfolio to themselves!!!!!!
I just logged in to my account to see 6,508 XTP mysteriously transferred via a transaction in March 2026 which I did not authorise. On trying to track it there was no information available so I contacted through the get help function. I was told quite bluntly that they transferred it to themselves as an inactivity fee!!!! Absolute scammers, no wonder they struggled to get regulated. Not only is that ‘fee’ disproportionate and illegal you have a duty to inform me of upcoming fees. Regardless the point of investments is to hold them until the time is right for you to sell, and I was holding because their coin tanked so much I had no choice but to wait out a hopeful rebound. This is just disgusting profiteering and I don’t believe it’s legal. Watch out they can and will access your money at any time without your knowledge and you’ll find out by accident when it’s too late and it’s all gone in their greedy pockets. Reporting to GFSC and every relevant authority.
官方回覆
查看原文 Hi,
Thank you for taking the time to share your feedback.
We're sorry to hear that you're unhappy with your experience.
The transaction you are referring to relates to an inactivity fee applied in accordance with our Fees & Limits schedule and Terms & Conditions, which are available to all customers within the app and on our website. The fee was not a transfer initiated by Tap for its own benefit, nor was it an unauthorised transaction.
We understand that fees can be frustrating, particularly during periods when markets are performing poorly. However, inactivity fees are disclosed as part of the account terms and are applied automatically where the applicable conditions are met.
We take regulatory compliance and customer transparency seriously and would be happy to review your case further should you wish to contact our support team directly.
Kind regards,
Tap Team
Super great experience recomended 100%
官方回覆
查看原文 Hi Brian,
Thank you for your fantastic review!
We're delighted to hear you've had such a great experience with Tap. Your support means a lot to us, and we're grateful for your recommendation.
Thank you for being part of the Tap community!
Kind regards,
Tap Team
It's been 4 years now i m with em and…
It's been 4 years now i m with em and never disappointed
Fast reaction and great services
Great bank
I recommend it
官方回覆
查看原文 Thank you so much for your support and for being with Tap😊
We’re truly happy to hear that our fast support and services have met your expectations throughout your journey with us. Feedback like yours means a lot to the whole team.
Thank you again for the recommendation and for being part of the Tap community 🚀
Tap Stakeholder sending Vulgar Threats to a Customer
A stakeholder/managing partner of Tap sent vulgar and threatening messages to a Tap customer in a vulnerable situation.
Upon raising these serious issues to Tap, I have received nothing but radio silence.
-- Edit after response below.
The individual mentioned has a well documented history with Tap and verified social media accounts.
Tap have refused to engage regarding this situation since 2024 and this is the first time they've taken a stance on the matter.
Please make your own decisions.
官方回覆
查看原文 Thank you for bringing this to our attention.
Tap does not have any “managing partner” or representative who would contact customers in this manner. Messages containing threats, abusive language, or inappropriate behaviour are not associated with Tap and do not reflect how we operate as a company.
Based on the information provided, this appears to be a third-party impersonator with no affiliation to Tap. We strongly advise against sharing any personal information, account details, or funds with anyone claiming to represent Tap outside of our official communication channels.
For your security, always ensure communications are sent through the Tap app or from official @withtap.com email addresses.
Kind regards,
The Tap Team
Tap is the best company so far.
Tap is the best company so far.
I use it for payments with the tab card.
Costumer support is very good and useful.
I would like to see xtp coin on the big exchanges and the possibility to stake xtp in the tap app. I would like to tier up on tap card but i don’t put that amount of money in a coin that is not tradable.
官方回覆
查看原文 Thank you so much for the amazing review and for supporting Tap! We’re really happy to hear you’re enjoying the card for everyday payments and that our support team has been helpful along the way 💙
We also truly appreciate your honest feedback regarding XTP. We completely understand your point around liquidity and accessibility when it comes to tiering up, and feedback like this is incredibly valuable for the team as we continue building and expanding the ecosystem around XTP.
Thanks again for being part of the Tap community, and we’re excited to keep improving the experience for you 🚀
Scammers
Like some of the previous reviews, I logged back into my account recently to see all my cash and xtp had been sold and taken. When I questioned this I was told to inactivity. But instead of been taken on a monthly basis like any reputable company it sold and took everything in one transaction which is very questionable. I believe this is a scam company run by very shady individuals and I would avoid it at all costs.
查看原文 風險因素
更新時間: 2026年7月20日
沒有可用的風險因素