Visa / Rain
Tangem Pay
4.8/10Overall Score
Card Mode
Self-custodial
Card Type
Debit
Mobile Payments
Google PaySupportedApple PaySupported
About the Project
Fees & Rules
01Getting Started
- Virtual Card Application
- $0
- Physical Card Application
- $29.9
02Spending & Conversion
- Base Transaction Fee
- 0%
- Top-ups Fee
- 0%
- ATM Withdrawal
- 4%
- FX Fee
- 1.5%
03Rewards
- Cashback
- 1%
Fee Sources · Verify Directly
tangem.com/docs/en/tangem-visa-tariffs.pdfTeam & Investors
Team 8
Andrey KurennykhCo-founder
Claire McCaffertyHead of APAC
Nikita EriashevDACH Growth Lead
Brandon NebekerUS Growth Lead
Daria BestuginaSenior B2B Partnerships Manager
Marko WindelnBusiness Development & Partnerships
Recent News
Tangem Co-Founder: Ledger security incident once again confirms the security engineering principle of "complexity expands the attack surface."Tangem launched its first physical Visa card, with an initial issuance of 5,000 cardsLedger：Tangem hardware wallet has a laser attack vulnerability, and the sold devices cannot be repairedTangem Integrates Mercuryo's Native Apple Pay, Bringing One-Tap Crypto Purchases to Self-CustodyMoonPay and Tangem Join Forces to Expand DeFi Accessibility
Card Guide
Overview
Tangem Pay is the self-custodial Visa card from hardware wallet maker Tangem, issued by Rain (Signify Holdings) in the United States with Paera handling onboarding and operations. The balance sits in a smart-contract account the user controls and can be funded with USDC or USDT on Polygon, Base, BNB Smart Chain or Arbitrum, or by ACH and FedWire from a US bank. The card is primarily virtual, and a Tangem wallet is required to sign up as the signing device.
| Item | Details |
|---|---|
| Card forms: | mainly virtual, with a first physical batch capped at 5,000 cards, supported in Apple Pay and Google Pay. |
| Tiers: | Basic free, Plus at USD 29.99 a month and Prestige at USD 999 a year on a waitlist. |
| Funding: | USDC or USDT across four chains, or a US bank transfer by ACH (USD 1) or FedWire (USD 11). |
| Use cases: | Visa acceptance and subscription billing, with cash from contactless ATMs through Apple Pay or Google Pay. |
Benefits
| Item | Details |
|---|---|
| Basic cashback: | 1% on eligible purchases in USDC, capped at USD 100 a month. |
| Plus cashback: | 2%, capped at USD 300 a month, with the fee waived at USD 4,500 of monthly spend or USD 65,000 held in Yield Mode. |
| Prestige cashback: | 4%, the top rate, offered through a waitlist. |
| Card tiers: | Basic is Visa Platinum with up to three cards; Plus is Visa Signature with up to five and the first physical card free. |
| Plus benefits: | Visa Luxury Hotel Collection perks at more than 900 hotels, including room upgrades, late checkout and food and beverage credits. |
| Cashback threshold: | purchases must reach USD 30, and in-store spending at EU and UK merchants is excluded while online orders still qualify. |
Fees
| Item | Details |
|---|---|
| Issuance: | free for the first virtual card and USD 5 for each replacement. |
| Monthly fee: | zero on Basic; USD 29.99 on Plus, waived once the spend or deposit condition is met. |
| Spend fee: | none. |
| FX fee: | 1.5% over the Visa rate on non-USD purchases. |
| ATM: | 4% on Basic and 2% on Plus, capped at USD 250 per withdrawal. |
| Funding: | crypto deposits cost only the network fee; ACH is USD 1 and FedWire USD 11, both free on Plus. |
Availability
| Item | Details |
|---|---|
| Supported: | the United States, excluding some states, and selected countries in Latin America, Asia-Pacific, the Middle East and Africa. |
| Not supported (31): | the UK, all EU and EEA countries, Canada, South Korea and Nigeria among them. |
| Onboarding: | a Tangem wallet plus document verification through Sumsub. |
| Spending limits: | USD 10,000 a day and a USD 10,000 balance cap on Basic; USD 50,000 a day and a USD 50,000 cap on Plus. |
| ATM limit: | USD 750 a day. |
| Assets: | USDC and USDT only, with other tokens swapped in the wallet first. |
