Virtual Exclusive
- Card material
- Virtual only
- Monthly limit
- $100,000
- Issuance fee
- $25 (one-time)
- Requirements
- No ID verification required
- Instant digital issuance (5 min)
- 3-year validity
- No KYC required
- Can link to PayPal, WeChat Pay, Alipay
DeFi maxiQueensland Foreign Exchange Inc.both● Live
Bing Card
Custodial prepaid Visa/Mastercard debit card offering high-limit virtual cards with no initial KYC.
Bing Card is a crypto-funded prepaid debit card available in both virtual (Visa/Mastercard) and physical (Visa Platinum) formats. Designed for privacy-conscious users, digital nomads, and businesses, it allows spending of BTC, ETH, USDT, or USDC at merchants worldwide without the need for traditional banking. Virtual cards can be issued instantly with high spending limits and minimal verification, while the physical card requires full KYC and offers ATM access. The platform is accessible to most countries except the US and several restricted regions.
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Best for
Privacy-conscious users needing a high-limit, no-KYC virtual card for one-way crypto spending.
Skip if
You need to convert funds back to crypto or live in the US.
Network
both
Custody
custodial
KYC
limited
Max cashback
0.00%
Min monthly fee
$0
Apple Pay
Yes
Google Pay
Yes
Physical card
Yes
The verdict
What we like
- No-KYC for virtual cards is a rare feature.
- Up to $200,000 monthly limit with no-KYC.
- 0% crypto-to-fiat conversion fee.
- Low 1% deposit fee across all tiers.
- Withdrawal fees as low as 0.5%.
- Apple Pay and Google Pay support is rolling out.
Watch outs
- Poor 0.956 exchange rate for USDC to USD.
- Account freezing risk for >25% failed transactions.
- Only supports BTC, ETH, USDT, and USDC.
- $1/month fee on the entry-level virtual card.
- No-KYC virtual cards have high limits but come with third-party risk warnings.
- 0% crypto conversion fee but a poor 0.956 exchange rate for USDC.
Basic information
| Specification | Details | | :--- | :--- | | Card Name | Bing Card | | Card Network | Visa and Mastercard (Virtual cards available on either network; Physical Platinum is Visa only) | | Card Type | Prepaid Debit Card | | Launch Date | Service launched in late 2021/2022; Physical Platinum card launched in early 2024 | | Card Issuer | Queensland Foreign Exchange Inc. (registered with FINTRAC Canada as MSB No. M23153297) | | Card Format | Virtual (for online use) and Physical (for in-person and online use) | | Mobile Wallet Support | Apple Pay and Google Pay support rolling out | | Payment Integrations | Compatible with PayPal, WeChat Pay, Alipay | | Card Validity | 3-year validity period | | Usage | Worldwide | | Base Currency | USD (Virtual cards), HKD (Physical card) |
Fees
| Fee Type | Virtual Exclusive | Virtual Star | Physical Platinum | | :--- | :--- | :--- | :--- | | Card Issuance | $25 (one-time) | $40 (one-time) | $168 (one-time) | | Monthly Maintenance | $1 | $0 | $0 | | Deposit (Crypto Top-up) | 1% | 1% | 1% | | Withdrawal Fee | 1% (min $0.5) | 0.5% (min $0.5) | 2.5% | | Cross-Border Transaction | 1% (min $0.45) | 1% (min $0.45) | 1.5% (min $0.45) | | Small Transaction Fee | 1% for transactions below $10 | 1% for transactions below $10 | 1% for transactions below $10 | | Declined Transaction | Inconsistent: 0% or 3% (min $0.5) | Inconsistent: 0% or 3% (min $0.5) | Inconsistent: 0% or 3% (min $0.5) | | Refund Fee | 3% (min $0.5) | 3% (min $0.5) | 3% (min $0.5) | | Crypto-to-Fiat Conversion | 0% | 0% | 0% |
Exchange/Currency Conversion Fee Note:
- Crypto to USD/HKD conversion: 0% fee.
- Cross-border handling (spending in other fiat): 1% (virtual) or 1.5% (physical), min $0.45.
- WARNING: When converting USDC to USD, an exchange rate of 0.956 is applied (approx. 4.4% loss).
Spending & ATM limits
- Notes
- Daily spending limits not officially disclosed; users should contact support for large transactions. Minimum initial balance required: $26 for Exclusive, $41 for Star
- Atm Daily
- Not officially disclosed
- Atm Monthly
- Not officially disclosed
- Daily Spending
- Not officially disclosed
- Monthly Spending
- See card_tiers ($100,000-$200,000 for virtual; ~$128,000 for physical)
Features
- Virtual cards with no ID verification and high spending limits ($100K-$200K monthly).
- Supports both Visa and Mastercard networks for virtual cards.
- Physical Platinum Visa card option with global shipping.
- Accepts BTC, ETH, USDT, and USDC for funding.
- Can be linked to PayPal, WeChat Pay, and Alipay.
- Apple Pay and Google Pay support rolling out.
- No staking requirements for any card tier.
- Business account option available.
Rewards
### Rewards and Benefits Unlike many competitors, Bing Card does not offer a traditional rewards program: - **No Cashback:** Bing Card does not provide cashback rewards on purchases. - **No Staking Requirements:** No cryptocurrency staking is required to access any tier. - **No Referral Program:** No official referral or affiliate program is mentioned. Instead, Bing Card focuses on providing utility through zero conversion fees and wide merchant acceptance.
Availability
Available in 87 countries. Restricted in 28 countries. Most countries worldwide except US, sanctioned, and high-risk regions. Key regions missing: United States, United Kingdom, Germany, France, Italy.
Top-up & funding
- BTC
- ETH
- USDT
- USDC
Crypto deposits typically reflect on card balance within 2-3 minutes after confirmation
Security & custody
- Advanced encryption for data protection
- Fraud detection systems
- 3D Secure for online payments
- PIN protection for physical card
- Account recovery via SMS verification
- Transaction records maintained for at least 5 years
Risk note. If the provider disappears, users lose access to unspent balances. No explicit insurance coverage is mentioned for crypto deposits or fiat balances.
Mobile wallets
Apple Pay—
Google Pay—
Samsung Pay—
Card tiers
Virtual Star
- Card material
- Virtual only
- Monthly limit
- $200,000
- Issuance fee
- $40 (one-time)
- Requirements
- No ID verification required
- Instant digital issuance (5 min)
- 3-year validity
- No KYC required
- Highest spending limit
- Lowest withdrawal fee
- Can link to PayPal, WeChat Pay, Alipay
Physical Platinum
- Card material
- Physical Visa Platinum (embossed)
- Monthly limit
- HKD 1,000,000 (~$128,000)
- Issuance fee
- $168 (one-time)
- Requirements
- Full KYC required (Government-issued ID and proof of address)
- Shipped globally (~25 business days)
- 3-year validity
- In-person payments
- ATM access
- Can link to PayPal, WeChat Pay, Alipay
What users say
Trustpilot
3.4/5.0 (43 ratings)
Mixed user experiences - positive reports of easy setup and instant issuance, but also reports of funds issues, support delays, and third-party security warnings
Risks & limitations
Risks
- SecurityThird-party risk scanners flag bingcard.com as potentially high-risk
- CounterpartyMixed user experiences with reports of funds issues and support delays
- CounterpartyNo deposit insurance for crypto or fiat balances
- MarketAccount freezing risk under multiple conditions
- RegulatoryRegulatory uncertainty for minimal KYC services
- CounterpartyRelatively young company with limited track record
Limitations
- majorNot available to US persons or residents
- moderateNo cashback or rewards program
- majorUnfavorable exchange rate (0.956) from USDC to USD - approximately 4.4% loss
- majorFunds cannot be converted back to crypto after exchange to USD (but can be withdrawn as fiat)
- moderateInconsistent fee disclosures between card pages and pricing table
- moderatePhysical card requires full KYC and has $168 issuance fee
- minor1% deposit fee across all tiers
- minorMonthly fee on entry tier (Virtual Exclusive charges $1/month)
- moderateLimited cryptocurrency support - only four major cryptocurrencies accepted
- moderateCard may be frozen if failed transactions exceed 25% of total transactions
- moderateCard inactivity for more than 30 days may trigger account restrictions
Roadmap
Recently shipped
- Physical Platinum card launched in early 2024
- Deposit fee reduced from 2% to 1%
Planned
- Apple Pay and Google Pay support (rolling out)
Best suited for
Privacy-conscious individuals who prefer minimal KYC requirements, digital nomads needing cross-border payment solutions, crypto investors wanting to spend holdings without exchange conversion, and businesses utilizing cryptocurrency for operational expenses
Our verdict
Bing Card offers a distinctive approach in the crypto card market by providing high-limit virtual cards without identity verification requirements. This sets it apart from most competitors who typically require KYC for all card tiers or impose low limits on no-KYC options. The zero crypto-to-fiat conversion fee policy and absence of staking requirements further differentiate the service, making it accessible to crypto users without requiring them to hold specific tokens. The card's primary value lies in its simplicity and privacy focus, enabling users to spend their digital assets with minimal friction.
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