Visa
Karta
4.9/10Overall Score
Card Mode
Third-party custody
Card Type
Debit
Mobile Payments
Google PaySupportedApple PaySupported
About the Project
Fees & Rules
01Getting Started
- Virtual Card Application
- $5
- Physical Card Application
- $100
02Spending & Conversion
- Base Transaction Fee
- 1.5%
- ATM WithdrawalATM Withdrawal1 USDT + 2.5%
- 2.5%
Fee Sources · Verify Directly
intercom.help/karta-personal/en/articles/10511616-are-there-any-fees-for-usingCard Guide
Overview
Karta is a payments app that runs inside Telegram, with a Visa Signature card issued through Rain (Signify Holdings) and Third National. Users register and verify through a Telegram bot in about five minutes without installing a separate app. The wallet is self-custodial, with assets controlled by the user, while card payments and banking rails run through licensed partners. Beyond the personal card there are multi-card plans for freelancers and businesses.
| Item | Details |
|---|---|
| Formats: | virtual cards, with plastic at USD 99 and metal at USD 299 available for pre-order. |
| Tiers: | Personal, Freelance and Business, differing on issuance cost and cashback. |
| Funding assets: | USDT and USDC across Tron, Ethereum, BNB Chain, Polygon, Arbitrum, Optimism, Base and Solana. |
| Use cases: | subscriptions, cross-border payments and multi-card separation, with virtual accounts in USD, EUR, BRL, MXN and COP. |
Benefits
| Item | Details |
|---|---|
| Business cashback: | 1% uncapped on business card spending. |
| Card management: | up to 30 virtual cards on Freelance and 500 on Business, each with its own limits and merchant category controls. |
| Visa Signature benefits: | Visa Airport Companion lounge access on booking or walk-in, rental car cover for up to 31 days, 180-day purchase protection, travel accident and emergency medical cover. |
| Referral: | USD 5 per invited friend plus a share of their spending. |
| Funding: | free USDT and USDC top-ups on seven mainstream chains. |
Fees
| Item | Details |
|---|---|
| Issuance: | USD 5 on Personal, USD 3 per card on Freelance and USD 0.50 on Business. |
| Monthly and annual fees: | none. |
| Spending: | 1.5% per card payment. |
| FX: | a further 1% Visa international fee on non-USD purchases, about 2.5% in total. |
| Top-up: | free on ERC-20 and most networks, USD 5.90 per TRC-20 transfer. |
| ATM: | 1.5% + USD 1 per withdrawal, USD 1 per decline, capped at USD 250 per withdrawal. |
| Other: | USD 15 to replace a virtual card; plastic USD 99 and metal USD 299 for physical cards, shipping extra. |
Availability
| Item | Details |
|---|---|
| Supported (47): | Antigua and Barbuda, Argentina, Bahamas, Barbados, Bangladesh, Belize, Bolivia, Brazil, Cayman Islands, Colombia, Costa Rica, Côte d'Ivoire, Dominican Republic, Ecuador, Egypt, El Salvador, Ghana, Grenada, Guatemala, Guyana, Honduras, Kenya, Malaysia, Mexico, Morocco, New Zealand, Pakistan, Panama, Paraguay, Peru, Philippines, St Kitts and Nevis, St Lucia, St Vincent and the Grenadines, Senegal, South Africa, Sri Lanka, Suriname, Thailand, Trinidad and Tobago, Turks and Caicos, Uganda, UAE, Uruguay and Zambia. |
| Not supported: | the United States, Cuba, Iran, North Korea, Russia, Syria, Ukraine and Venezuela. |
| Onboarding: | document verification through the Telegram bot in about five minutes; 18 or older. |
| Spending limit: | USD 25,000 per transaction, with higher limits available on request. |
| Cash limits: | contactless ATMs only, capped at USD 250 per withdrawal. |
| Acceptance: | works at Visa merchants in more than 200 countries and territories. |