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DeFi maxiHong Kong-based banking partnervisa● Live

Keytom Card

Custodial virtual Visa debit card with optional UK-based Euro IBAN accounts.

A virtual Visa debit card from a crypto-friendly neobank, designed to bridge cryptocurrency and traditional banking by allowing users to spend crypto assets at any Visa-accepting merchant worldwide.

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Best for

Freelancers and digital nomads spending crypto with integrated Euro IBAN banking.

Skip if

You need a physical card or live in the US/UK.

Network
visa
Custody
custodial
KYC
full
Max cashback
0.00%
Min monthly fee
$10
Apple Pay
Yes
Google Pay
Yes
Physical card
Yes

The verdict

What we like
  • Unified platform with crypto wallet, banking, and Visa-network card.
  • Available in 126+ countries with worldwide Visa acceptance.
  • Quick onboarding, with verification typically within 1-2 hours.
  • Insured custody via Fireblocks and segregated fiat accounts.
  • Earn 100 USDC per eligible referral (up to 3).
Watch outs
  • High fees: $10 monthly + 1% + $0.63 per transaction.
  • Virtual card only; no physical card option is available yet.
  • Primarily supports EUR and USD (via USDC) fiat currencies.
  • High fees: $10 monthly plus 1% + $0.63 per transaction.
  • Offers Apple Pay, Google Pay, and a credit BIN classification.
  • No cashback, but offers 100 USDC per eligible referral.

Basic information

The Keytom Card is a virtual Visa debit card offered by Keytom, a crypto-friendly neobank that bridges the gap between cryptocurrency and traditional banking. The card enables users to spend their cryptocurrency holdings seamlessly at any Visa-accepting merchant worldwide. It operates on a prepaid model where users load USDC, which is then converted to the local currency during transactions. Despite being a prepaid debit card, it features a credit BIN classification, enabling hotel and rental car bookings. The card is available in over 126 countries, excluding the US and UK.

Fees

  • Issuance Fee: $0 (waived)
  • Monthly Maintenance Fee: 10 USDC ($10)

Transaction Fees

  • Card Purchases: 1% + 0.63 USDC per transaction
  • ATM Withdrawals: 2% + 0.88 USDC per withdrawal
  • Foreign Exchange (non-USD): Additional 1.35% on converted amount
  • Crypto Exchange: 1.5% for EUR↔Crypto trades, 0.25% for Crypto↔Crypto trades
  • SEPA Transfers (Incoming): 0.5%
  • SEPA Transfers (Outgoing): 1%

Spending & ATM limits

Notes
Base-level spending limits apply to new accounts. Limits can be adjusted upward by providing additional KYC documentation. Specific default amounts are not publicly disclosed.
Atm Daily
Likely $500-$1000 per day (standard network limits)

Features

  • Virtual Visa Card: Instant digital issuance with a credit BIN classification, enabling hotel and rental car bookings.
  • Integrated Banking: Optional personal Euro IBAN accounts (UK-based) for unified banking and crypto management.
  • Mobile Wallet Support: Compatible with Apple Pay and Google Pay for contactless payments.
  • Global Acceptance: Spend crypto at any Visa merchant worldwide with automatic crypto-to-fiat conversion.
  • Business Accounts: Available with company IBANs and virtual corporate cards.
  • Adjustable Limits: Spending limits can be increased by providing additional KYC documentation.

Rewards

The Keytom Card does not offer traditional purchase-based cashback rewards. Its primary reward mechanism is a referral program. ### Referral Program * **Referrer Reward:** 100 USDC per eligible referral (maximum 3 rewarded referrals). * **Referee (New User) Reward:** 50 USDC after completing KYC, opening a card, and making 5 purchases of ≥50 USDC each.

Availability

Available in 126+ countries globally. Available (39 listed). Restricted (18 listed). Excludes US, UK; issued from Hong Kong.

Top-up & funding

  • USDC
  • BTC
  • ETH
  • XRP
  • LTC
  • SOL
  • DAI
  • USDT

Crypto deposits are network-dependent, typically processing in minutes to hours

Security & custody

  • Two-factor authentication (2FA)
  • Freeze/unfreeze card instantly via app
  • Live selfie verification during onboarding
  • Strong encryption for data protection
  • KYC
  • Sanctions screening
  • Transaction monitoring

Risk note. As a custodial platform, users do not control their private keys. If the provider disappears or becomes insolvent, users risk losing access to their funds.

Mobile wallets

Apple Pay—
Google Pay—
Samsung Pay—

Card tiers

Standard Keytom Visa Card

Card material
Virtual only
Issuance fee
Free (waived)
Requirements
KYC verification required
  • Automatic crypto-to-fiat conversion at checkout
  • Credit BIN classification enabling hotel and rental car bookings
  • Personal Euro IBAN accounts (UK-based) integrated with crypto wallet
  • Adjustable spending limits for verified users

Loan & credit features

Collateralized Crypto Loans in development

Credit BIN classification enables hotel and rental car bookings despite being prepaid

Banking services

● Iban● Sepa Transfers● Virtual Accounts

Personal Euro IBAN accounts (UK-based). Business accounts with company IBANs available. SEPA Standard (1-2 business days) and SEPA Instant (couple of hours) supported. USD accounts with ACH/Fedwire planned for future.

What users say

No public user ratings available yet

Risks & limitations

Risks
  • RegulatoryKeytom's approach of issuing cards exclusively from Hong Kong while serving global users could face regulatory scrutiny. The platform explicitly states that promotion and distribution of card products is limited to Hong Kong, with users from other jurisdictions accessing services 'of their own initiative.'
  • RegulatoryDIFC strike-off notice appeared for 'Keytom Global Holding Limited' with deadline
  • CounterpartyBanking Partner Dependency - If partner banks change terms or close accounts, users' IBAN services could be disrupted
  • CounterpartyCustodial Risk - As a custodial platform, users don't control their private keys, representing a form of counterparty risk despite insurance
  • RegulatoryDocumentation Inconsistencies - Conflicting information across Keytom properties (business fees, regulatory numbers, timelines) may indicate organizational or communication challenges
Limitations
  • majorHigh fee structure: $10 monthly fee plus 1% + $0.63 per transaction
  • moderateVirtual card only (physical cards coming soon)
  • majorNot available in US, UK, and 40+ other restricted countries
  • moderateLimited fiat currency support (primarily EUR and USD via USDC)
  • minorIBAN account opening is optional, not mandatory
  • majorHigh fees for small transactions - a $5 coffee could incur a $0.68 fee (~13.6% overhead)

Roadmap

Recently shipped
  • Referral program updated November 10, 2025
Planned
  • Physical Cards (coming soon)
  • Collateralized Crypto Loans
  • Staking Rewards
  • USD Accounts with ACH/Fedwire capabilities
  • Multiple Employee Cards for business accounts
  • Savings and Investment Products

Best suited for

Freelancers and contractors paid in cryptocurrency, digital nomads and frequent travelers needing borderless financial access, expats managing funds across currencies, crypto startups and businesses, and users seeking referral income

Our verdict

The Keytom Card offers an innovative financial solution that bridges the gap between cryptocurrency and traditional banking through its unified platform. The service stands out by providing users with a virtual Visa card, optional UK-based IBAN accounts, and a multi-currency crypto wallet all managed through a single application. This integration eliminates the need to constantly move funds between separate crypto exchanges and bank accounts, creating a seamless experience for those who operate in both financial worlds.

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