The no-KYC crypto card with two different price lists

Updated October 2026

Licensed

Available in US

Fast payouts

18+ Only

The DeFiPay card is one of those crypto cards where the pitch is unusually simple: you sign up without handing over a name, an ID document or a phone number, you send crypto to a personal deposit address, and you get a Mastercard-backed virtual card straight away or a physical card in the post. There is no identity check to get through, because there is no identity check to pass. For people who have been turned away by ordinary banks, refused an account, or who simply do not want their name attached to a spending relationship, that is the entire appeal, and it is a real appeal. It is also the whole of it.

What I found when I went through the card’s own pages is a product that works as advertised on the everyday-use front and is considerably more muddled everywhere else. The site gives you two different price lists that do not agree with each other. The company behind it is named in the footer but the issuing bank is not named anywhere I could find. The card is a “limited to Europe” product, which in practice means a fairly small world for the physical card and a nearly empty one for the ATM. And the fee that will actually hit you most often — five percent on every deposit — is not the fee most people will be thinking about when they read “no-KYC crypto card.”

The conditions described here are current as of October 28, 2026.

My score for the card is 5.3 out of 10. That is not a rejection; it is a card that does something unusual quite well and something ordinary quite badly. Read on, and I will tell you which part is which and whether it is your part.

The score in full

The shape of that table is the whole review in miniature. Ten out of ten for everyday use is not a rounding error or a generous pat on the back: virtual and physical Mastercard, both wallets, and a real ATM allowance is more than most no-KYC cards manage. Two out of ten for cost is not a rounding error either. And four out of ten for reliability is not really about complaints — it is about what happens when you try to find out who is actually responsible for your money.

Who they will give you the card to

The card’s own words are worth quoting, because they define the product’s edges better than any summary could: “Use is limited to Europe (EEA/UK merchants and ATMs).” Online purchases outside Europe are possible. In-store use is limited to European merchants.

So think about what that means in practice. If you live in Berlin or Milan or Lisbon, this is a normal card for your daily life, in the shops around the corner. If you live in Toronto or Lagos or Bangkok, the physical card is a card you can use online and, at a European cash machine, and not much else. Merchants in your own country may accept it through online channels because online acceptance is not geographically fenced in the same way, but the moment a till in your local high street asks for the card, you are outside the design.

There is no country list for registration. The site does not name which countries you can sign up from, and it does not name any that are excluded. If your country matters to you — and for some readers it is the entire question — that absence is worth taking to support before you deposit anything, because a five percent deposit fee spent on a sign-up you cannot complete is a real loss.

I would also flag who the card says it is not for: business accounts. Personal accounts only; business is described as “under development.” And there is no stated age restriction, which is unusual in itself. In this category prepaid and debit cards are generally available to adults aged 18 and up, and some issuers set higher limits — so with nothing stated, you are in the region where you should expect to be asked to be an adult without the card asking first.

The intended user is fairly clear from the design: someone spending crypto anonymously in Europe without KYC. That is a coherent product for that person. If that is you, most of the caveats below are acceptable. If you are reading this hoping it will solve a problem in a country outside Europe, it will not.

How to get it

The sign-up is as short as the marketing suggests. No name, no ID, no phone number, no email verification to register. There are no KYC levels, because there is no verification at all. Sign-up itself can be done with a Google account or a wallet login as well as whatever the primary route turns out to be. Then: deposit crypto, and either take a virtual card immediately or order the physical one. Both are Mastercard, accepted “wherever Mastercard is accepted,” and the balance is shown in EUR.

Delivery for the physical card, as stated on the site:

The delivery address is deleted after delivery and the card arrives in unbranded packaging. The price of a replacement card is not stated, which is a gap you would rather not discover after losing the card in a city where you cannot otherwise use it.

One thing to be clear about: the “no KYC” part is a description of how the card operates, not a trick you can route around. There is nothing here to work around, because nothing is being checked. That also means that if you are somewhere with its own rules about who may open a card, or its own sanctions regime, the card’s permissiveness is not permission — the card’s permissiveness is the card’s decision, and the consequences of using a card against the rules of the country you are in are yours. This review does not go into that, and you should not treat it as reassurance.

What it really costs: fees, limits and the two price lists

This is the section that made me hesitate most, and it is the one I would read twice before depositing.

The site carries two price sets and they do not reconcile. The pricing section lists a virtual card at 10 USDT and a physical card at 16 USDT. The guide and FAQ section lists virtual at 7 USDT per month and physical at 19 USDT per month. The support page says each card carries a monthly fee, and lists $10 (virtual) and $16 (physical) in one section and 7/19 USDT per month in another. So you have a one-off price and a monthly price for the same two products, and the card does not tell you which one will be charged, or whether both are.

Now let me run the arithmetic that matters to an actual person, using only the card’s own numbers.

A €20 online purchase funded from crypto: you pay 5% on the deposit. On €20 of balance that is €1, so the deposit costs you €21 and you receive €20 of card balance. There is no separate conversion fee stated, and no FX fee is stated at all — which is a silence rather than a promise of zero, especially on a balance shown in EUR.

A €200 spend at a café or a shop in the country you live in, in the currency you live in, costs the same 5%, because the 5% is charged on the top-up, not on the purchase. That is the good case: no conversion friction, no stated FX fee, no monthly fee if the pricing-section figure is the real one.

The same €200 spent online with a merchant billing in dollars: the card converts from a EUR balance and the FX fee is not stated. This is the case where you cannot compute your own cost, and I would not call that a rounding detail.

And the case the price list really affects: if the monthly figures are the live ones, a virtual card you use once costs 7 USDT a month and a physical card costs 19 USDT a month. On a small spend, the monthly fee is larger than the 5%. The site does not resolve which applies, and the FAQ references an unexplained “Pro plan” while offering only virtual and physical cards as tiers. That dangling “Pro plan” also appears on the home page, tied to the €750 ATM limit. I could not establish what it is; treat any figure that depends on it as something to confirm.

The limits are generous for this category — $20,000 and $30,000 a day — and they are not the constraint. The ATM figure of €750 a day is the one you will feel, and the PIN cannot be changed; a forgotten PIN is reset via support. Non-negotiable PINs are a strange thing to design on purpose, and worth knowing before you rely on the card as your only way to pay.

How to top it up

Topping up is the part the card does well, and it is the part with the sharpest edge.

Supported, according to the site: BTC, ETH, USDT, TRX, LTC, SOL, XRP, BNB — with USDC added on the support page. That is a genuinely broad list. You send to a personal deposit address, the funds are converted to USDT, and the balance shows in EUR.

What is not stated is the network. No networks are named. That is not a small omission, and I want to be blunt about why, because it is the single most common way people lose money in this category.

USDT, for instance, exists on several chains — Tether describes USDT as a token built on multiple blockchains, and USDT has been issued on networks including Ethereum, Tron, Solana, Polygon, Avalanche and others. If you send USDT on a chain the provider does not expect, the deposit may not arrive. Blockchain transfers are irreversible, so a deposit sent on an unsupported network, or to an address belonging to another network, can be lost outright or need manual support recovery with no guarantee. Before your first transfer, ask support which networks are supported for each coin. It is a two-minute question and it protects the whole balance.

Two other gaps: the minimum top-up is not stated, and it is not stated who pays the network fee. On-chain network fees for your deposit are charged by the blockchain, not by the card provider — but whether DeFiPay passes that on, or absorbs it, is not something the pages say. And no fiat top-up is stated at all. If you have banked money rather than crypto, there is no described route to get it onto the card.

Withdrawing is also not stated — whether balance can go back out to crypto or to a bank is not described. You can close the account at any time by emailing support.

So: excellent coin coverage, an unstated network question that must be answered before you send anything, and no described way to get money off. A card you fund but cannot easily reverse is a different proposition from a card you fund and can withdraw from, and the difference is not on the pricing page.

Paying with it every day

This is where the card earns its 10.

Both card types — virtual and physical — are listed as working with Apple Pay and Google Pay. That is the detail that decides whether a card is a curiosity or a payment method. A virtual card that sits in a phone wallet pays at a contactless terminal without anyone handling plastic.

What makes the wallets work is the same tokenisation every card uses: Apple Pay replaces the card number with a device-specific Device Account Number held in the Secure Element, never on Apple servers, and each payment carries a one-time dynamic security code. In other words, when you tap, the real card number is not floating around. The issuer can also restrict a tokenised number — for instance block it on magnetic-stripe, phone or web use — and the card does not say whether any such restrictions are set here.

At the terminal and online, the card is a Mastercard. Online, 3-D Secure is what usually decides whether a payment goes through: the issuer assesses the risk and either approves frictionlessly or challenges you with a one-time code or biometric. Visa’s brand is Visa Secure, Mastercard’s is Identity Check. Expect either a smooth tap-to-pay or an occasional extra step, and do not be alarmed by the second.

Three everyday realities worth knowing. First, some merchants decline prepaid or foreign-issued cards, because the BIN — the 6 or 8 digit issuer identification number at the front of the card number — is publicly lookupable and reveals the issuer and country. This is also why a card issued in one country can look “foreign” to a shop in another. Second, merchant category codes decide a lot: an MCC is a four-digit classification of a business, and MCC 7995 covers gambling. Many issuers block it on specific cards by policy rather than by law, and the blocked list varies by issuer — the card does not say which categories it blocks. Third, a declined authorisation can leave a hold on funds that may stay for several days, typically up to seven. That is a normal artefact of card networks, not something specific to DeFiPay, but it will look like missing money if you are not expecting it.

There is no dedicated app, only a web dashboard. Cards can be frozen and unfrozen from it, and lost cards should be blocked immediately and replaced.

What is not stated: any rewards, cashback or rate scheme; any blocked merchant categories; any dispute or chargeback process. Terms, Guidelines and Risk Disclosure exist as linked PDFs, which I have not read — so I am not going to tell you what they say. If a reward would change your decision, there is no reward to plan around. If you care about disputes, that is a question for the PDFs and for support.

What can go wrong

I looked for trouble, and here is what I did and did not find.

I did not find official incidents involving this card. I searched for reviews of the site across the usual places, and nothing came back about defipay.cc — only unrelated DePay and Defi Pay Network pages. There is no Trustpilot page for defipay.cc, and no results on the review sites I looked at. Read that carefully: it is not evidence of a clean record. It is evidence that there is no visible record either way, which for a financial product is its own kind of information. A card with thousands of users and a spotless complaint history would raise its own questions.

The company is named: SC PAYMENTS LIMITED, licence number 78350827, in the footer. The home page says the programme “runs via licensed partners in the EU” — an unverified claim, and I mark it as such. The support page says it is registered under Singapore law and headquartered in Singapore, while the starting data gives Hong Kong with BRN 78350827. The country differs between the card’s own pages. And the issuing bank is not named. In practice the issuing bank is the institution your money sits with and the party that stands behind the card; not being able to find out who it is, from any of these pages, is the single largest gap I found.

The custody model is not stated. That matters more than it sounds. Control of crypto belongs to whoever holds the private key or seed phrase; with a custodial wallet the provider holds the credentials and you must trust the provider completely. The alternative is a self-custody-linked card where funds stay in your own wallet until the moment of payment — but then you carry sole responsibility for key loss, phishing, and clipboard-hijacking malware that silently swaps copied addresses. DeFiPay does not say which model it uses. Treat it as custodial until it tells you otherwise.

The general risk here is not hypothetical. Custodial platforms have a record of failures: Mt. Gox (about US$350 million reported stolen 2011–2014), Coincheck (about US$400 million, 2018), Ronin Network (US$625 million, 2022). And card programmes do get shut. Visa terminated its global agreements with FTX on 13 November 2022, and the FTX US debit card was wound down by its issuer; WaveCrest, a Visa issuer that supplied several crypto card brands, was suspended by Visa in Europe in 2018, closing all WaveCrest-issued Visa programmes. How a closure typically plays out: a notice period, then spending and loading stop, then users are asked to withdraw remaining balances. If your balance cannot be withdrawn — and here withdrawal is not stated — that is the scenario to worry about.

Then there are the things outside the card’s control. Stablecoins can depeg: TerraUSD collapsed in May 2022, and USDC temporarily lost its peg in March 2023 during the US banking crisis. Your balance sits in USDT and displays in EUR, so both a stablecoin depeg and a currency move sit between you and the thing you thought you were spending. And stablecoins are not censorship-proof — Tether says it disables tokens in wallets on the OFAC sanctions list and has frozen funds tied to illicit activity.

On your rights if something goes wrong: a chargeback is a refund ordered by the issuer to settle a dispute, with reason codes for fraud, duplicate billing or goods not received. US debit card reversal rights come from Regulation E, credit card rights from Regulation Z, and prepaid-card coverage varies and should not be assumed. The card states nothing about how it handles disputes. Ask before you rely on it for a large purchase.

And on regulation: a card is a payment service regulated separately from the crypto side, so a crypto card often depends on two licences — one for the money, one for the card. Under MiCA, Regulation (EU) 2023/1114, e-money tokens may be issued only by a credit institution or an electronic money institution. Electronic money institutions must safeguard customer funds in dedicated accounts or by insurance, but such funds are not the same as bank deposits and are not covered by deposit guarantee schemes. The MiCA transitional period lets providers operating under national law continue only until 1 July 2026 or until they receive or are refused a MiCA authorisation, whichever comes first. ESMA keeps an interim register of authorised crypto-asset service providers, and a card operator worth checking there should be findable. I could not locate DeFiPay on it, and I want to be honest that I looked for information the card’s own pages do not give.

What to take instead

Three alternatives came up in the same research. None of them is a slam dunk, and I am not going to pretend the field is strong — this is a thin category with thin disclosure. But they let you compare what “no-KYC crypto card” actually looks like when it is not this one.

Three things stand out when you put them side by side.

DeFiPay is the only one of the four with a stated ATM allowance, and the only one whose usable world is explicitly European. CardFlow targets Nigeria — “Nigeria’s smartest fintech card platform,” “Nigerians and global users” — with a free virtual USD Mastercard created in about 3 minutes and Naira bank transfer among the funding routes; it gives you the least to go on, with no stated fees. HyperCard discloses least of all: no country list on its official pages, no network named on the App Store page, no fees listed; the App Store says the card works in “more than 176 countries,” but that is where it is accepted, not who may hold one.

Card.fi is the one I would look at first if I were choosing today, and the reason is disclosure rather than features. It names its countries, names its networks (Ethereum, Base, BNB Chain, Solana, Kaanch), names its coins, and publishes its numbers: top-up 1.5% + $1.00 on Classic and 1% on Premium, FX 3.5% and 2.5%, and conversion fees shown before each top-up. It also publishes cashback — 0.8% on Classic (capped at 10 USDT/month), 1% on Premium, and for Metal 1.2% capped at 10 USDT/month and 5,000 USDT, or 2% capped at 250 USDT/month and 20,000 USDT — and it warns that sending on the wrong chain risks permanent loss. DeFiPay states none of that. Card.fi also carries a real entry fee of $49 or $249 for its virtual tiers, which DeFiPay, on its cheaper reading, does not.

One more practical contrast: Card.fi’s terms bar residents of, or orders from, “a country subject to sanctions that would prohibit the service.” That is a sentence in a document. DeFiPay publishes no exclusions at all. Whether a clear rule is better than no rule is debatable; a rule you can read is at least a rule you can plan around.

Who I would recommend it to

I would recommend this card to one specific person: someone who already holds crypto, already accepts the risks of moving it, lives in or spends most of their time in Europe, and has been unable to open an ordinary card. For that person this is a genuinely useful tool. The 10 out of 10 for everyday use is not marketing — virtual and physical Mastercard, both mobile wallets, and a working ATM allowance is a complete everyday setup, and the fact that you can hold all of it without submitting a document is the point.

I would not recommend it to several other people, and I want to be specific about why rather than vague.

If you live outside Europe and need a physical card for daily life, this is the wrong card, and no fee arrangement fixes it. If you want to know which bank stands behind your balance, start with that question and do not deposit until you get an answer. If you are putting money in that you might need out quickly, note that withdrawal is not stated — that alone should stop a large first deposit. If a 5% fee per top-up matters to you, do the arithmetic on your own spending before you decide; on a small balance funded often, it is the dominant cost, and the monthly price question on top of it is unresolved. If you are the sort of person who wants rewards, there are none to have.

And my honest reservation, the one that keeps this from scoring higher than it does: this is a no-KYC financial product whose operator publishes a licence number but not an issuing bank, gives two different price lists, names an unexplained plan, and leaves the network question — the one that can cost you the whole balance — unanswered on the page. None of those is a scandal. Together they are an unusually thin information base, and thin information is itself a risk you are being asked to accept. Ask support the four questions that would change my mind — which network for which coin, which price list is live, who the issuer is, and how to withdraw — and judge the answers.

Frequently asked questions

What is the DeFiPay card?

A virtual or physical Mastercard that spends a balance funded from crypto. You deposit coins to a personal address, they are converted to USDT and shown to you in EUR, and the card spends that balance like a prepaid card. Because it is pre-loaded rather than linked to a bank account, it cannot overdraw. It carries no rewards and no dedicated app — there is a web dashboard. Use in stores and at ATMs is limited to Europe.

Does the DeFiPay card require KYC?

No. Registration needs no name, ID document, phone number or email verification, and there are no verification levels because there is no verification. Only personal accounts are supported; business accounts are described as under development. No age restriction is stated. That is the product’s main draw for people who cannot pass identity checks, and also its main risk factor — see the sections on company and custody above.

Can I use the DeFiPay card outside Europe?

Partly. The card’s own limit is that use is limited to Europe, meaning EEA/UK merchants and ATMs, with online purchases outside Europe possible and in-store use limited to European merchants. So online, far away, you are largely fine; at a terminal or a cash machine in your own country, do not count on it. Online acceptance is not the same thing as physical acceptance, and the card’s wording is only about the physical side.

How do I get a DeFiPay card?

Sign up, deposit crypto, and either take the virtual card immediately or order the physical one. A virtual card costs either 10 USDT or 7 USDT a month depending on which of the card’s two price lists applies; physical is either 16 USDT or 19 USDT a month. Standard shipping for the physical card is free and takes about 5–7 business days, secure shipping costs 4 USDT, and express takes 1–3 business days at an unstated price.

How do I top up the DeFiPay card?

By sending crypto to your personal deposit address: BTC, ETH, USDT, TRX, LTC, SOL, XRP, BNB, and USDC on the support page. The deposit converts to USDT and shows as EUR, typically within two business days, and a flat 5% deposit fee applies. Before your first transfer, confirm which network to use for each coin — the card does not name networks, and a wrong-chain transfer can be lost. No fiat top-up is described.

How much does it cost to use the DeFiPay card?

The deposit fee is 5% flat. Everything else is where it gets uncertain: the card gives two price lists (10 and 16 USDT, or 7 and 19 USDT per month), the FX fee is not stated, and no monthly fee is stated on the pricing section. ATM withdrawals carry no DeFiPay fee within €750 a day and €15,000 a month, but the ATM operator may charge its own. Work out your own real cost on a typical purchase before funding, and confirm which price list is live.

Can I add the DeFiPay card to Apple Wallet?

Yes — both the virtual and physical card are listed as working with Apple Pay, and both are listed with Google Pay too. That is what makes the card usable day to day rather than a novelty. Apple Pay replaces the card number with a device-specific number stored on the device’s Secure Element, and each payment uses a one-time code. Which merchant categories are blocked is not stated, so expect ordinary policy surprises rather than none.

Is the DeFiPay card safe?

Safe enough is not a verdict anyone can give you. In its favour: cards can be frozen from the dashboard, the PIN can be reset through support, addresses are deleted after delivery, and packaging is unbranded. Against it: the custody model is not stated, the issuing bank is not named, the company appears as SC PAYMENTS LIMITED (licence number 78350827) with a country that differs between its own pages, and withdrawal of your balance is not described. I would keep the balance small until those are answered.

Who owns DeFiPay, and is it a bank?

The footer names SC PAYMENTS LIMITED, licence number 78350827. The support page says it is registered under Singapore law and headquartered in Singapore, while the starting data gives Hong Kong with the same number. The home page says the programme runs via licensed partners in the EU — a claim I could not verify. No issuing bank is named on any page I found. DeFiPay is not a bank on this evidence; treat it as a crypto programme manager sitting in front of an issuer you have not been given.

How do I withdraw money or delete my DeFiPay account?

Withdrawals are the gap: whether the balance can be moved back out to crypto or to a bank account is not stated anywhere on the public pages, and that is the detail I would not leave unresolved before making a substantial deposit. Closing the account is straightforward — email support, and it can be done at any time. If you are depositing, work out your exit route before your entry route.

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