The card that spends your crypto, if you already live inside Binance
The Binance Card is a prepaid Mastercard that turns crypto you already hold on Binance into ordinary card payments. On paper it is a sensible bridge between a crypto balance and the shop on the corner: you spend in local currency, the crypto is converted behind the scenes, and you get a physical or virtual card in the process. In practice the picture is much narrower than that, and much more specific to one country.
Here is my short version before I walk you through everything. This is not a general-purpose bank substitute for everyone. It is a spending tool for people whose money already sits inside the Binance ecosystem and whose country is on the short list of places where the card actually exists. If that describes you, there is a real card here with real, if modest, rewards. If it does not, you will spend more time reading about it than you will ever spend with it.
My verdict is 5.7 out of 10. That is a middling score, and I want to be honest about why it sits there rather than higher or lower. The everyday mechanics are good; the reach is narrow; and the fine print around fees, support and who actually issued the card is messier than a well-run product should be. Let me show you where each of those points comes from.
The conditions described on this page are current as of October 28, 2026.
Verdict: who the Binance Card suits, and who it does not
If you are a Brazilian resident who keeps part of your money in crypto on Binance, this card is built for you and, for once, the marketing and the reality line up. You are inside the exchange, the card draws on the balance you already have, you get both a physical and a virtual card in reais, and there are mobile wallet options alongside it. It does the job of “spend my crypto without thinking about it every time.”
If you are anywhere else, the story gets thinner fast. Officially, the only country the card’s own pages name is Brazil. Third-party reports add a handful of others, but those are not confirmed by the card itself, and European and UK support ended years ago. If you are outside that circle, you are not choosing between this card and another card; you are choosing between this card and no card at all.
The honest middle case is someone who wants to spend crypto but does not want to hold it on a custodial exchange. That person is the wrong fit too, because the Binance Card is a custodial product by design. The crypto sits on the platform until you pay, and the platform holds the keys.
Let me lay out the score honestly, criterion by criterion, because a single number tells you less than the reasoning behind it.
| Criterion | Mark | Why |
|---|---|---|
| Who can get it | 3 / 10 | Officially one country (Brazil). Unofficial: also Australia, New Zealand, Peru. EEA and UK support ended Dec 2023. |
| Cost | 6 / 10 | Official: 0.9% conversion, 1-2% FX. Unofficial: issuance and monthly fee 0, FX 2%, 2 free ATM withdrawals a month then 1.50 each. |
| Top-up options | 7 / 10 | Unofficial: Binance Funding and Spot balances, and many coins (BNB, BTC, ETH, USDT, USDC, FDUSD, SOL, ADA, LTC, LINK, XRP); payment priority for 3-12 assets. |
| Reliability and complaints | 5 / 10 | Issuer named as Dock in the 2023 release; unofficial: Immersve Limited and Pomelo in Brazil. Trustpilot disabled Binance’s rating over fake reviews; complaints on Reclame Aqui. |
| Everyday use | 9 / 10 | Unofficial: virtual and physical in Brazil, Apple Pay and Google Pay, ATM with 2 free withdrawals a month. |
| Total | 5.7 / 10 |
Read that table as a picture of a card that is very good at one narrow job and has no ambition to be anything else. Everyday use scores highest because, inside Brazil, it does the small things well. Availability scores lowest because, outside Brazil, it largely does not exist. Everything in between is a negotiation between those two poles.
Will they give you the card?
Short answer: if you are in Brazil with a valid Brazilian national ID, yes. If you are not, the official answer is no, and the unofficial picture is only slightly wider.
The card’s own materials name one supported country: Brazil. Launch coverage at the time described it as open to Binance users in Brazil holding valid national ID. That is the confirmed, on-the-record position.
Third-party reporting paints a somewhat larger map, and you should treat all of this as unofficial rather than confirmed by the card. According to one source (SpendNode, August 2026), Brazil, Australia, New Zealand and Peru were verified as supported, while EEA and UK card support ended in December 2023 and the US never had it. A second aggregator (CryptoCardHub, August 2026) lists Armenia, Brazil, Colombia, Mexico and Peru as available, with most of Europe restricted.
Notice how those two unofficial lists do not quite agree. One includes Australia, New Zealand and Armenia; the other includes Colombia and Mexico. Neither matches the official single-country statement. That disagreement is itself informative: it suggests the real support footprint is a moving target that the official pages do not crisply describe, and that anyone telling you confidently which countries are “fine” is going beyond what the card officially confirms.
The practical test for you is simple. If you are not confidently in Brazil and you have not seen current guidance for your own country from Binance itself, treat availability as doubtful. The card does not let you apply from anywhere and then solve the country problem later; country eligibility is decided before the rest of the process ever starts.
How to get it
The route is straightforward, and it starts where you would expect: with your Binance account and your identity documents. The card issuer runs a KYC check as part of registration, so this is not a card you can walk away with in a few minutes.
At launch, the confirmed requirement for Brazil was a valid Brazilian national ID. Details such as proof of address, the minimum age, and the exact sequence of steps are not stated on the card’s public pages. That is a real gap, and if those points matter to you, you will need to confirm them in the app rather than rely on this page.
Unofficial descriptions of the Brazilian signup (Kkinvesting, October 2026; SpendNode, August 2026) describe the usual crypto-exchange pattern: your CPF, a photo ID, and a selfie. That is unofficial, so do not treat it as a promise, but it does line up with what regulated onboarding normally involves.
The card itself is described in the official launch material as a prepaid Mastercard; whether it comes in virtual and physical form, and in which currency, is not stated in those pages. Unofficial sources fill this in (CryptoCardHub, August 2026): the global programme is virtual only and denominated in US dollars, while in Brazil the card is available both virtual and physical and denominated in reais. SpendNode likewise says Brazil offers virtual and physical. Delivery timing is not stated officially; unofficial reporting (CryptoCardHub, August 2026) puts the Brazilian physical card at about 14 days and the virtual card as instant.
Two things to keep in mind as you read that. First, KYC here is not a formality; the card issuer requires photo and document checks, and it sets the tiers and timing, though those are not stated on the public pages. Second, the description of this card has changed over time as Binance’s programmes have evolved, so older write-ups may not match what you see. I will flag that again in the risks section, because it is a theme that runs through this whole review.
Fees and what it really costs
This is the section I would read most carefully, because it is where a crypto card either makes sense or quietly takes a slice of every purchase. The headline numbers are modest, but you have to know exactly which fee applies to which payment, or you will misjudge whether the card is worth using.

Start with what the card confirms. The official figure is a 0.9% conversion fee and a 1-2% FX (currency exchange) fee. The launch release made the same point in a more useful way: payments in reais carry a zero fee, but a crypto payment carries the 0.9% conversion. That distinction matters. Spending a fiat balance you already hold in the account, versus converting crypto into that balance, are two different actions and they are charged two different ways.
Almost everything else in the cost picture comes from unofficial sources, so I will mark it as such. Issuance, annual, and monthly fees are reported as zero. The Brazilian physical card is described as free the first time with a balance of at least the equivalent of 10 USDT, but chargeable at 30 BRL if you cancel it within the first year. That cancellation detail is the kind of small print that can surprise someone who tries the card for a month and decides it is not for them.
On fees specifically, unofficial sources (Kkinvesting, October 2026; SpendNode and CryptoCardHub, August 2026) line up on the conversion figure at 0.9%, with a lower 0.1% rate when paying with USDC. On FX there is more spread: one description says 2% for Brazil and most countries and 3% for New Zealand; another puts it at 1-2% on non-BRL spending. Two things all of them agree on: fees are not refunded if you get a refund from a merchant, and refunds are paid back in USDC. So a refund does not simply undo the cost of the purchase; it returns to you in a different form and leaves the fee behind.
ATM withdrawals need their own note because the launch release and the current picture differ. At launch, Binance promised zero ATM withdrawal fees, with a footnote saying third-party or network fees might apply. Current terms are not stated. Unofficial sources (SpendNode and CryptoCardHub, August 2026) describe two free withdrawals a month and then 1.50 each, with Brazilian limits of 3 per day and 30 per month and a daily cap of 3,000 BRL; CryptoCardHub adds that by KYC level 1/2/3 the daily ATM allowance is 3,000/5,000/7,000 BRL and the monthly 25,000/25,000/50,000 BRL.
Spending limits are not stated officially. The unofficial detail is again generous and inconsistent across sources. For Brazil by KYC level 1/2/3, CryptoCardHub (August 2026) reports daily spend of 25,000 BRL, monthly of 50,000/50,000/150,000 BRL, and yearly of 200,000/450,000/600,000 BRL. SpendNode gives a different frame in dollars: $20,000 daily, $20,000 monthly, $100,000 annual. An older Binance FAQ excerpt quotes $3,000 per day, and for the now-ended EEA programme 870 EUR virtual and 8,700 EUR physical. That older excerpt is a good reminder that limits move and that what you read may describe a programme that no longer exists.
Tiers are another area the public pages do not spell out. Unofficial sources (CryptoCardHub and SpendNode, August 2026) say there are no KYC-independent tiers, point you to the cashback tiers instead, and note that an old 8% BNB tier system ended on 20 December 2023 along with the Visa programme. Currencies supported are not stated on the same pages, though the unofficial material points to BRL in Brazil and USD for the global programme.
Here is the cost picture gathered into one place, so you can see it as a single sheet:
| Item | Value | Source status |
|---|---|---|
| Issuance fee | 0 (Brazil physical free first time with 10 USDT-equivalent balance; 30 BRL if cancelled within first year) | Unofficial |
| Monthly / annual fee | 0 | Unofficial |
| Conversion fee | 0.9% (0.1% for USDC) | Official figure 0.9%; 0.1% USDC unofficial |
| Payments in local fiat balance | 0 fee | Official (launch release) |
| FX fee | 1-2% official; 2% Brazil and most countries, 3% New Zealand (unofficial) | Mixed official / unofficial |
| ATM withdrawal | 2 free per month, then 1.50 each | Unofficial |
| Daily spend limit (Brazil) | 25,000 BRL by KYC 1/2/3; also reported as $20,000 daily | Unofficial |
| Monthly spend limit (Brazil) | 50,000 / 50,000 / 150,000 BRL by KYC 1/2/3; also reported as $20,000 monthly | Unofficial |
| Refunds | Fees not refunded; refunds paid in USDC | Unofficial |
Now let me make those fees concrete, because a table of percentages does not tell you whether a purchase is a good idea. Walk with me through three everyday payments, and you can see which fees bite.
- A 40 BRL coffee paid from a fiat balance you already hold in the account. This is the cleanest case. The launch release says BRL payments carry a zero fee, and there is no conversion and no FX because nothing is being converted or exchanged. You pay 40 BRL, full stop. This is the payment the card is designed for, and it is the one where the economics are genuinely good.
- A 200 BRL grocery bill paid by converting BTC at the point of sale. Here the 0.9% conversion fee applies, because crypto is being converted to spend. Two hundred BRL at 0.9% is 1.80 BRL of cost baked into the price. Add the FX fee only if the conversion or the underlying purchase routes through a currency exchange. So a crypto-funded payment is not free, but it is not punitive either; it costs you under a percent or so, plus whatever the FX layer adds.
- Spending abroad or withdrawing cash at an ATM. This is where the cost is highest and most confusing. A foreign purchase combines the 0.9% conversion with a 1-2% FX fee, and if it is an ATM withdrawal you use one of the two free ones or pay 1.50 each after that, on top of any third-party or network fee the ATM operator adds. If your plan is to lean on this card as a travel card, the fee stack will eat a meaningful part of every transaction.
The pattern to take away: the card is cheapest when you spend a fiat balance that is already sitting there, and most expensive when you force crypto through it or use it across currencies. If you are in Brazil spending reais day to day, you will mostly be in the cheap case. Everyone else should run the numbers before they commit.
How to Top up the card
Topping up is the part where the official public pages are quietest, so I want to be straight with you: how you fund the card, how you top it up, and how you withdraw money out of it are not stated on the card’s own pages. The picture below is unofficial, drawn from aggregator and review sites (CryptoCardHub and SpendNode, August 2026), and I would treat it as a strong hint rather than a guarantee.

The unofficial account of top up is that the card draws on your Binance Funding and Spot balances, with some versions of the app calling the former Flexible Earn. The assets reported as usable include a long list: BNB, BTC, ETH, USDT, USDC, FDUSD, SOL, ADA, LTC or LINK, and XRP. You can set a payment priority across three to twelve of those assets, which decides the order the card spends them in when you do not specify.
This feature is useful in practice. Imagine you hold a mix of stablecoins and a few larger coins, and you do not want every small purchase to chip away at your main position in a way you did not intend. By putting stablecoins first in the priority order and the coins you want to hold further down, you let the card nibble at the part of your balance you are comfortable spending, and leave the part you are not. You can arrange three to twelve assets in your priority order, which gives you flexibility in how you spend.
Before you fund anything, two general cautions apply to almost every crypto card, this one included. First, network fees for a deposit are charged by the blockchain, not by the card provider, so the cost of getting money in can sit on top of anything the provider charges. Second, and this one catches people out, blockchain transfers are essentially irreversible. A deposit sent on the wrong network, or to an address belonging to a different network, can be lost outright or need manual support recovery with no guarantee of success. That risk belongs to you, not to the card, and it is one of the main reasons people get into trouble with cards like this. Send a small test amount first if you are new to it.
Paying with it every day
Within Brazil, this is where the card earns its best marks, and the unofficial picture is encouraging. Apple Pay and Google Pay are both supported in Brazil, alongside Mercado Pago and 99Pay (CryptoCardHub, August 2026; SpendNode). In other words, you can keep the card in your phone rather than your wallet for most of your life.
Rewards are the other daily-use upside. The official figure is up to 3% cashback, and the current rate is meant to be verified in the app. A 2023 launch release advertised up to 8% crypto cashback, which is now outdated; treat any number you find quoting 8% as a relic. The unofficial detail on the Brazilian tiers (CryptoCardHub, August 2026) is 1.5% under 500 BRL monthly spend, 2% for 500 to 4,999.99 BRL, and 3% from 5,000 BRL, capped at 500 BRL per month and paid in BRL. Kkinvesting (October 2026) describes a different structure: paid in USDC, with tier 1 at 1.5%, tier 2 at 2% from $100, and tier 3 at 3% from $1,000, credited by the 10th. SpendNode reports up to 3% in BNB for regions including Brazil, and up to 2% for Latin America and CIS. Again, unofficial and again slightly inconsistent, which is normal for this product.
What I like about the rewards, in principle, is that they scale with how much you actually spend, and the top tier is reachable in a normal month if you live in Brazil and use the card for ordinary purchases rather than treating it as a special wallet tool. What I would not do is budget a return based on these figures, because the tiers, the currency you are paid in, and the caps are all unofficial and subject to change.
The app is the interface for all of this, though the card’s own pages do not describe the card-specific experience. Unofficial reporting (SpendNode, August 2026) gives the Binance app 4.7 out of 5 on the App Store from 117.4K ratings. That is the main exchange app’s rating, not a rating of the card feature specifically, so read it as a sign of a generally well-regarded app rather than a verdict on the card.
Disputes and unauthorized transactions are the part of daily use that nobody enjoys thinking about, but you should know the process before you need it. Binance’s support FAQ says that for an unauthorized transaction you should contact Binance Support at once with an explanation, the transaction records and your receipts, and the card transactions FAQ says to contact Customer Support for disputes and refunds. Time frames are not stated. The Binance Terms add two stingy provisions: you are liable for credited amounts in the event of a chargeback, and a chargeback can lead to suspension or restriction of the account. In plain terms, if a merchant reverses your payment, you eat the amount, and enough of that can get your account restricted. Keep your receipts.
What can go wrong
The risks here are not dramatic in the way exchange collapses are dramatic, but they are real and they accumulate. Let me group them by what they are actually about.
The issuer picture is muddled. This is my biggest single concern. The official 2023 Mastercard release named Dock as the issuer, on the Mastercard network. Unofficial sources tell a different, more recent story: the global programme issuer is Immersve Limited under Mastercard Global Reach, and the Brazilian card is issued by Pomelo Instituição de Pagamento Ltda (CryptoCardHub, August 2026), while Kkinvesting (October 2026) names Immersve Ltd as a New Zealand entity. These accounts conflict with the older official Dock reference, which is itself outdated. Why does it matter? Because when something goes wrong, “who issued my card” is exactly the question you need answered quickly, and right now the public descriptions do not line up. Binance’s ADGM entities are listed on its site, but the page does not say which of them serves the card, so you cannot fully resolve this from the public record either.
Support for the card specifically is uncertain. The cards page shows “24/7 Chat Support” and a Support Center link, but that is general Binance support, not a dedicated card channel. Unofficial sources (CryptoCardHub and SpendNode, August 2026) go further and say no card-specific support channel is listed at all. If your money is in a card dispute, “general exchange support” is not the same as a card issuer’s dispute team, and the gap is where time gets lost.
Reputation and complaints. Official incident records are not stated. What is documented is reputational: Trustpilot disabled Binance’s TrustScore after detecting fake reviews, which is a statement about review integrity rather than about the card. There was an August 2025 user review describing a payment partner charging for a failed crypto purchase, and Reddit discussion largely consisted of pinned support threads. CryptoCardHub (August 2026) notes that some complaints on Reclame Aqui cite uncredited promotions, unauthorized charges, and dispute handling, though these are allegations from complainants, not adjudicated findings. The uncredited-promotions theme is worth flagging: it lines up with the cashback tier ambiguity above, and it means you should not spend in anticipation of a reward you have not seen credited.
Custody risk, by design. The card spends crypto held on the platform, so you are trusting a custodial exchange with your balance for as long as you use it. This is the standard trade-off for custodial wallets, and it comes with real history: Mt. Gox, Coincheck and Ronin Network are all well-known cases of custodians failing. Holding funds with a platform carries counterparty and hack risk. That is not a reason to avoid every custodial product, but it should be a conscious decision, not an accident of convenience.
Merchant-side friction and payment quirks. Some of this is general to crypto cards rather than specific to Binance, but you will meet it. Merchants can look up the card’s issuing country and may apply extra scrutiny when it differs from your billing address, which is why a card issued in one country can look “foreign” in another. Some merchants decline prepaid or foreign cards because the type shows in the issuer lookup. Address verification is mostly a US, Canada and UK thing and is generally unavailable for foreign-issued cards, which can cause declines. Gambling is a common block: the merchant category code that covers casinos, betting and lotteries is frequently blocked by issuer policy rather than law, and the blocked list varies by issuer, so you may find some betting sites work and others do not. And a declined payment can leave a hold on your funds for several days, sometimes up to seven, even though you never completed the purchase. None of this is Binance-specific, but it all applies once you hold one of these cards.
Currency and network traps on funding. As I mentioned when topping up, the wrong network or a cross-network address can lose money irreversibly. Stablecoins are not immune to instability either; despite the name, they are not necessarily stable. USDT and USDC are the two dominant dollar-pegged tokens, and if you hold anything else and convert it, you are exposed to that conversion behaving differently from the label. Just be deliberate about which asset funds the card.
Charging and reversal exposure. A chargeback is a refund the issuer orders to settle a dispute, with reason codes such as fraud, duplicate billing or goods not received. As noted, the Binance Terms put liability for the credited amount on you in that case and allow account restriction. And in the United States, debit-card reversal rights come from Regulation E and credit-card rights from Regulation Z; prepaid-card coverage varies and should not be assumed, which is exactly the category this card falls into.
What to take instead
If the Binance Card is not right for you, the honest answer is usually that a different wallet, a different exchange, or no crypto card at all serves you better. Let me look at the nearest alternatives on the scorecard, and at the option of not doing this at all.
Two things are worth saying up front. First, none of these alternatives is universally better; each has the same problem of being tied to a country and an ecosystem. Second, the most common mistake people make is shopping for a crypto card when what they actually need is a normal bank card, and forcing an awkward product to do an ordinary job.
Here is how the main alternatives compare on the scorecard and on the facts that matter for a daily spender:
| Card | Score | Who it’s for | Key fee / reward notes |
|---|---|---|---|
| Binance Card | 5.7 / 10 | Brazilian residents holding crypto on Binance | 0.9% conversion (0.1% USDC unofficial), 1-2% FX official; cashback up to 3% |
| Coinbase Card | 6.4 / 10 | US residents only | No annual or spending fees; no Coinbase transaction fee but a spread when converting crypto |
| OKX | 6.2 / 10 | EU and Norway (Iceland and Liechtenstein excluded) | No card fee, no transaction fee, no FX fee; conversion spread reported around 0.1-0.4% |
| Young Card | 5.7 / 10 | Club-tier rewards model | Cashback in YNG tokens by tier: Essential 0.1%, Gold 1.8%, Platinum 3.6% |
Coinbase Card scores highest of the four, but only for one narrow group: it is available in all US states except Hawaii, account opening follows the US PATRIOT Act identity rules, and it works in no other country. It is a Visa prepaid debit card, virtual or physical, spending cash or crypto, with crypto converted to US dollars at the point of purchase. Funding is by linking a bank account or depositing part of a paycheck, and you can also spend a crypto balance that gets converted to dollars. Costs are described as zero spending fees and no annual fees, with everything disclosed in the Cardholder Agreement; there is no Coinbase transaction fee, but a spread applies when Coinbase converts crypto. Rewards are optional crypto rewards on every purchase for US card users, at a variable rate shown in the app. If you are American and hold crypto on Coinbase, this is the card to look at before Binance’s.
OKX is the European answer, for the EU and Norway, launched 28 January 2026, with Iceland and Liechtenstein excluded and rules set by the MiCAR-licensed entity OKX Europe Ltd. It is a euro-denominated virtual Mastercard debit card linked to OKX Pay, issued through an unnamed European licensed payment provider; no physical card is mentioned. The card fee is reported as none. There is no transaction fee and no OKX FX fee, but a conversion spread applies; reports differ between 0.1% (explainer, May 2026) and 0.4% (launch press release). You fund it with USDC or USDG held in OKX Pay, converting or depositing externally; other coins must be converted first, there is no auto top-up, and a payment is declined if the balance is insufficient. Cashback is on USDG purchases only (USDC earns none), with monthly euro caps by tier.
Young Card shares the Binance score and runs on a club model. Cashback is paid in YNG tokens at a rate set by your Club tier: 0.1% at Essential, 1.8% at Gold, 3.6% at Platinum, with Bronze and Silver not stated. Many core facts about it, including who it is for and what it costs, are not stated officially, so I would research it as carefully as I have this one before trusting it with a balance.
Then there is the option I keep coming back to: do not use a crypto card at all. If your goal is simply to spend money you already hold, an ordinary card attached to an ordinary bank account will usually be cheaper, wider in acceptance, and better supported than any card on this list. A crypto card earns its complexity only when your money genuinely lives in crypto and you want that money spent without constantly thinking about it. If that is not your situation, the simplest option is still the best one.
Who I would recommend it to
I would recommend the Binance Card, with the ordinary caveats, to a fairly specific person. You live in Brazil. You already hold a meaningful part of your money in crypto on Binance, in stablecoins or coins you are willing to spend. You want a way to pay for everyday things, in reais, without constantly converting and re-converting. And you are comfortable with the fact that this is a custodial product, that the issuer details behind it have shifted over time, and that support is the exchange’s general support rather than a dedicated card team.
For that person, the value proposition is real. Spending an existing fiat balance in reais carries a zero fee at the point of sale, the cashback is meaningful if you reach the upper unofficial tiers, and mobile wallet support means the card is convenient in daily life. The card does its job.
I would not recommend it if you are outside Brazil and relying on unofficial lists to tell you it works in your country; the official position is one country, and I would not build on the unofficial ones. I would not recommend it if you need a specific, well-documented support channel for the card itself, because one is not clearly offered. I would not recommend it if you are trying to avoid trusting a custodial exchange with your funds, because that is exactly what this card asks you to do. And I would not recommend it if you need cheap foreign spending or frequent cash withdrawals, because that is where the fee stack is least forgiving.
Above all, I would recommend that you read the live terms in the app before you commit, not after. A great deal of what is useful about this card, from the cashback tiers to the exact issuer to the current ATM allowance, comes from unofficial sources that have already disagreed with each other and with older official material. The structure is sound. The details move.
Frequently asked questions
What is the Binance Card?
The Binance Card is a prepaid Mastercard that spends crypto or fiat you already hold on the Binance exchange. When you pay, the crypto is converted and the card draws on a stored balance, much like a gift card rather than a linked bank account. The card’s own materials name Brazil as the supported country. Some older write-ups describe a different product, so check the current details in the app, because the programme has changed over time.
How does the Binance Card work?
You register on Binance and pass a KYC check run by the card issuer, then receive a virtual or physical Mastercard. When you pay, the card uses your balance: a crypto payment triggers a 0.9% conversion, while a payment in reais from an existing fiat balance carries a zero fee. It works like a prepaid card, so it cannot overdraw. You can also set a payment priority order across several assets so small purchases draw from the coins you are least attached to.
Can I get the Binance Card in my country?
Officially the card is offered in Brazil only, where you need a valid Brazilian national ID. Unofficial sources also list Australia, New Zealand, Peru, Armenia, Colombia and Mexico, while EEA and UK support ended in December 2023 and the US never had it. Those unofficial lists disagree with each other, so if you are outside Brazil, confirm in the app before planning around this card rather than trusting a third-party site.
Does the Binance Card require KYC?
Yes. The card issuer runs KYC as part of registration, involving photos and identity documents, and it is what sets the account’s tier and limits. For Brazil, the confirmed requirement is a valid Brazilian national ID, and unofficial sources describe a CPF, photo ID and selfie. Proof of address, minimum age and verification times are not stated on the public pages, so if those details matter, confirm them during signup rather than assuming.
How do I top up the Binance Card?
Top up is not described on the card’s own public pages. Unofficial sources say the card draws on your Binance Funding and Spot balances, with some app versions calling it Flexible Earn, and supports assets including BNB, BTC, ETH, USDT, USDC, FDUSD, SOL, ADA, LTC, LINK and XRP. You can set a payment priority across three to twelve of them. Remember blockchain deposits are irreversible and network fees are charged by the network, so send a small test first.
What does it cost to spend with the Binance Card?
Spending a fiat balance you already hold in reais carries a zero fee, which is the cheapest way to use it. A crypto-funded payment incurs a 0.9% conversion fee, reported as 0.1% for USDC. Spending across currencies adds a 1-2% FX fee officially, though unofficial sources cite 2% for most countries and 3% for New Zealand. Unofficial reports also say issuance and monthly fees are zero and that fees are not refunded if a merchant refunds you.
Can I withdraw cash from a Binance Card ATM?
Unofficial sources report two free ATM withdrawals per month, then 1.50 each, with Brazilian limits of three per day and 30 per month and a daily cap of 3,000 BRL that rises with KYC level. The launch release promised zero ATM fees but noted third-party and network fees may apply, and current official terms are not stated. Treat the two-free-per-month figure as unofficial, and factor in the ATM operator’s own charges when comparing to an ordinary bank card.
Is the Binance Card safe to use?
It is a custodial product, so the crypto sits on the exchange until you spend it and you trust Binance with that balance, carrying counterparty and hack risk. The issuer behind the card has also changed over time: a 2023 release named Dock, while unofficial sources point to Immersve Limited globally and Pomelo in Brazil, and the public pages do not fully resolve who issues the card now. Use the app’s security features, keep your receipts, and report unauthorized transactions to support immediately.
Is the Binance Card free?
Unofficial sources describe no issuance fee, no annual fee and no monthly fee, with the Brazilian physical card free the first time if you hold a balance of at least the equivalent of 10 USDT. There is a catch worth knowing: the physical card can be charged 30 BRL if you cancel it within the first year. Officially, these cost details are not stated on the card’s pages, so confirm the current terms in the app before ordering, especially if you are unsure you will keep the card.
Should I get the Binance Card or a Coinbase Card?
It depends almost entirely on where you are and where your money is. The Coinbase Card is for US residents only, scoring 6.4 out of 10, with no annual or spending fees and a crypto conversion spread. The Binance Card, at 5.7 out of 10, suits Brazilian residents holding crypto on Binance with zero-fee fiat spending and cashback. If you are in the EU or Norway, look at OKX instead. And if you just want to spend money you hold, an ordinary bank card is usually simpler and cheaper.
Exchange cards: choosing by where your coins sit – cryptocardpicker
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