Base
- Cashback
- 0.1%
- Requirements
- Minimum BNB holdings (details limited)
- Standard card benefits
Rewards hunterUnlimit EU Ltd (Electronic Money Institution)visa● Live
Binance Visa Card
Spend crypto like cash anywhere Visa is accepted, with cashback rewards.[7][1]
A Binance Visa debit card that lets eligible Binance users spend supported crypto at Visa-accepting merchants by converting crypto to fiat at the time of purchase.[3][7][1]
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Best for
Active Binance users holding BNB to maximize up to 8% cashback.
Skip if
You live in the EEA, where the card was discontinued in December 2023.
Network
visa
Custody
hybrid
KYC
full
Max cashback
8%
Min monthly fee
$0
Apple Pay
No
Google Pay
Yes
Physical card
Yes
The verdict
What we like
- Lets users spend crypto directly at Visa merchants without manual conversion.[3][7]
- Binance indicates a virtual card can be issued immediately after approval.[3]
- Supports Google Pay according to Binance community/product posts.[3]
Watch outs
- Availability is limited to selected countries, so it is not globally available.[3]
- Product details on public pages are fragmented, so several fields could not be independently verified from official current sources.
- Tiered cashback up to 8% requires holding significant BNB.
- No annual fees, but a €25 fee for express delivery.
Basic information
{ "Card Type": "Visa Debit Card", "Key Feature": "Real-time spending of multiple cryptocurrencies (BTC, BNB, ETH, USDT) with no pre-conversion needed.", "Availability": "Discontinued in European Economic Area (December 2023).", "Standout Benefit": "Tiered cashback program offering up to 8% in BNB rewards.", "Biggest Downside": "Reward rates are tied to BNB holdings, requiring investment in Binance's native token." }
Fees
{ "Annual Fee": "€0", "Card Issuance Fee": "Not specified", "Express Delivery Fee": "€25", "ATM Withdrawal Fee": "Not specified", "Foreign Transaction Fee": "Not specified" }
Spending & ATM limits
- Notes
- Specific spending and withdrawal limits are not detailed in the provided source material.
Features
{ "Real-time Conversion": "Automatically converts crypto from the user's Binance account to fiat at the point of sale.", "Multi-Currency Support": "Spend directly from BTC, BNB, ETH, USDT, and other balances in the Binance Funding Wallet.", "Global Acceptance": "Accepted at over 60 million merchants worldwide where Visa is accepted.", "Card Management": "Freeze the card and manage security via the Binance app.", "Top-Up Method": "No pre-loading required; spends directly from the Binance Funding Wallet balance." }
Rewards
| Tier | Rate | Up to |
|---|---|---|
| Base | 0.10% | — |
| Highest Tier | 8% | — |
Availability
Available only in selected countries; Binance publicly lists many EEA countries, and availability may expand depending on regulations.[3]
Top-up & funding
- Direct spending from Binance Funding Wallet balance
Real-time conversion at point of sale
Security & custody
- PIN Protection for ATM withdrawals and large transactions
- Card Freezing capability through Card Dashboard
- Secure Details - card number, CVV, and expiry accessible only after 2FA verification
Risk note. If Binance ceases operations, users could lose access to card funds and any unwithdrawn crypto held on the platform.
Mobile wallets
Apple Pay Not supported
Google Pay Supported
Samsung Pay Supported
Card tiers
Higher Tiers
- Cashback
- Up to 8%
- Requirements
- Increasing BNB holdings
- Enhanced cashback rates
Risks & limitations
Risks
- RegulatoryCard discontinued in EEA during period of increased regulatory scrutiny for Binance across multiple jurisdictions
- CounterpartyCustodial model means if Binance ceases operations, users lose access to card funds and any unwithdrawn crypto
- MarketSubject to cryptocurrency price volatility
Limitations
- majorDiscontinued in the European Economic Area as of December 20, 2023
- moderateCashback rates tied to BNB holdings, requiring investment in Binance's native token
- moderateSubject to cryptocurrency volatility
- minorRequired completion of Binance KYC verification
- moderateGeographic availability was restricted to specific countries
- minorLimited detailed information on tier requirements
Roadmap
Recently shipped
- Discontinued in EEA as of December 20, 2023
- Binance recommended Binance Pay as alternative solution
Best suited for
Active Binance Exchange Users, BNB Token Holders who maintain significant BNB holdings to maximize cashback rates, Crypto Enthusiasts looking to use digital assets for everyday spending, and Digital Wallet Users who prefer contactless payments via Google Pay or Samsung Pay.
Our verdict
The Binance Visa Card represented a significant innovation in cryptocurrency spending, offering users a convenient bridge between digital assets and everyday transactions. Its integration with the Binance exchange ecosystem provided a seamless experience for crypto enthusiasts looking to utilize their holdings for real-world purchases. Despite its discontinuation in Europe, the Binance Visa Card demonstrated the potential for cryptocurrency payment solutions to gain mainstream adoption. As the regulatory landscape continues to evolve, users interested in crypto payment solutions should remain informed about compliance status and operational stability of any alternatives they consider.
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