A virtual-only card for spending crypto on ads, services and travel, if your country is on the right side of the AML list

Updated October 2026

Licensed

Available in US

Fast payouts

18+ Only

Mirocard is one of those products that turns up when you search for a way to spend crypto on everyday things without a bank account. It issues only virtual Visa and Mastercard cards, the card balance is funded from a “Master Balance” that you top up with crypto, and the platform markets itself in two languages (English and Russian), with three card types aimed at travel, online advertising, and subscriptions or services. There is no mobile app, no physical card, and no ATM access. The card programme is run by an unnamed “Card Provider”, and the company behind Mirocard describes itself as a programme manager rather than a bank or e-money institution.

Conditions are current as of October 28, 2026.

This review walks through who can get the card, what the sign-up looks like, the real costs of holding and using it, how the top-up process works, what daily spending actually looks like, and where the risks sit. I have used only the figures and rules that Mirocard publishes, plus a small set of background facts about crypto cards in general. Where a number or rule is not stated on the card’s own pages, I have said so. The conditions below are current as of 2026-10-22.

Verdict

My overall score for Mirocard is 6.1 out of 10. That puts it in the middle of the pack: useful for a specific group of users, but with real gaps that a careful reader should not gloss over.

The card works well for what it is designed to do. Top-up options cover most major coins, the Master Balance is credited within a few minutes of a network confirmation, and the advertising and services tiers have no transaction fee at all. For freelancers paying for online ads, design tools, hosting or subscriptions with crypto, that is a clean experience. The pricing page is unusually clear about issuance and per-transaction fees, and the lack of a monthly charge is a plus.

The gaps are where the score drops. The single biggest problem is that there is no public country list, only a “Restricted Jurisdiction” carve-out that the AML policy does not spell out. Eligibility is the first thing most readers will need to know, and Mirocard does not tell you until you try to sign up. Several other things are simply not stated on the public pages: the FX fee, ATM availability (there is no physical card, so in practice no ATM), the card currency, the minimum top-up, and the network fees. The issuer is unnamed, the company behind the brand lists a Kyrgyz address (not confirmed in the official documents I read), and there are no public reviews to point to. Finally, Apple Pay and Google Pay are limited to the travel card only, so if you want a tokenised wallet for everyday spending, the services card will not give you that.

If you are a freelancer or agency that needs to pay for ads, SaaS, hosting, AI tools or design services in crypto, and your country is not on the restricted list, Mirocard is genuinely convenient. If you need a card to pay for groceries, a physical card, a mobile app, or wide geographic coverage, you should look elsewhere.

Who will they give you the card

The honest answer is that I cannot tell you, from the public pages, exactly who will be approved.

Mirocard does not publish a country list. The pricing page shows the card BINs registered for two tiers: the services and advertising cards list the United States, Singapore and Estonia, while the travel card lists Hong Kong and Singapore. Those are BIN countries, meaning the country codes attached to the card numbers, not eligibility lists. They tell you which schemes the card is registered under, not who can sign up.

The only public country rule sits in the AML policy: Mirocard and the Card Provider are “not offering” the cards to people located in, ordinarily resident in, incorporated in, or otherwise subject to a “Restricted Jurisdiction” designated under that policy. The policy does not enumerate the restricted jurisdictions, so you have to try signing up to find out.

The site is published in English and Russian, which is a hint at the audience the brand is targeting, but it is not a rule. There is no published list of supported or excluded countries anywhere on the public pages, and there are no announced plans to publish one. If you are in a country with strict crypto card rules (a few Gulf states, for example, or sanctioned territories), expect to be refused at the verification stage.

Age is the one universal rule: 18 or older, per the terms. The site also says Mirocard and the Card Provider “may require verification”, and that the company can refuse to issue for failed verification, inaccurate documents, or risk. How the tiers of verification work is not stated.

For comparison, the country picture is much clearer with mainstream card programmes. Established crypto cards typically publish a list of supported and unsupported countries, often with a country selector at sign-up. Mirocard skips that step. As a reader, you should treat any sign-up as conditional on approval and not load the card with funds you cannot afford to keep on the platform pending a decision.

How to get it

Sign-up is online. The marketing copy says registration is fast, that it is free, and the product is targeted at people who want to spend crypto online.

The KYC step is where things get more specific. The AML policy says Mirocard may collect your full name, date of birth, nationality, residential address, government-issued ID, and email. The terms add that you must be at least 18. Whether you have to provide a separate proof-of-address document is not stated, and neither is the difference between basic and enhanced verification tiers. What the policy does make clear is that Mirocard and the Card Provider can refuse to issue if verification fails, if documents are inaccurate, or if you are judged to be a risk.

Once you are through KYC, the card itself is virtual only, on the Visa and Mastercard networks, and the company lets you have more than one card per account. The card currency is not stated; the pricing is in US dollars. The virtual card is issued instantly after approval: there is no shipping step, because there is nothing to ship.

A practical point: the sign-up flow is web-based at app.mirocard.com. There is no mobile app mentioned on the public pages, so you will not be downloading a Mirocard app from a store. You will be working in a browser, which matters if you prefer native biometrics or push-based login.

If you are a reader who values a fast, app-driven sign-up, you may find this slower than expected. If you are comfortable with a web-only account, the friction is in the KYC document checks, not the form-filling.

Fees

Mirocard is unusual among crypto cards in publishing its core fees up front, but the fee schedule has gaps that you should be aware of before you commit funds.

Issuance is the first cost. The travel card costs $15.00, the advertising or arbitrage card $5.00, and the foreign services and subscriptions card starts from $5. There is no monthly fee (“no monthly charges” on the pricing page), which is rare in this category and one of the card’s better features.

Per-transaction fees depend on the tier. The travel card charges $0.20 per transaction, the advertising and services cards charge $0.00. So if you are buying Facebook ads, Google Ads, hosting or design subscriptions, every payment is on the fee-free tiers; only travel-related spending carries a per-transaction fee.

Top-up fees exist but are not published as a number. The pricing page says “fees are individual for each card”, which means they depend on the card, and possibly on the network and the coin used. The pricing page also does not list an FX fee, a network fee, or a minimum top-up. The minimum top-up is not stated, and the network fee is the responsibility of the sending side (the gas or bandwidth you pay on the blockchain), not Mirocard, but Mirocard does not say whether it adds anything on top of that.

There are no numeric daily or monthly limits; the marketing copy says “without limits or blocks”. The card has no ATM, so ATM fees are not relevant. There is no published foreign-exchange fee, and the card currency is not stated, which is a real gap if you are paying in a non-USD currency.

To put the costs in everyday terms, take three common scenarios.

Buying a $200 subscription to a design tool on the services card. You pay $200.00, the per-transaction fee is $0.00, and the top-up fee is whatever the network costs you plus whatever Mirocard charges for that specific card (not stated). If the top-up fee is zero and you use a low-cost network, your all-in cost is the network fee on the deposit. That is genuinely competitive.

Buying a $500 Google Ads top-up on the advertising card. You pay $500.00, the per-transaction fee is $0.00, and the rest depends on the top-up fee and the FX fee (if the merchant bills in a non-USD currency). For a USD merchant with a low top-up fee, you are again looking at the network cost on the deposit only.

Paying a $1,200 hotel bill on the travel card. You pay $1,200.00, the per-transaction fee is $0.20, and any FX fee is not stated. If the hotel bills in a non-USD currency, the unknown FX fee is the part of the cost you cannot see in advance. That is the scenario to budget most carefully.

The big gap is the FX fee. Most crypto cards charge for converting a non-USD merchant charge to USD, and many of them publish the number. Mirocard does not, so a reader has to either test it on a small payment or ask support. As I write this, I have no published number to give you.

Top up

Top-up is the part of Mirocard that the company describes most clearly, and the part that scores highest in my rating.

The flow is two-step. You fund a “Master Balance” inside your Mirocard account with crypto from any wallet or exchange, then you transfer from that Master Balance to one of your cards. The list of supported coins reads like a standard crypto-card menu: ETH, USDC, USDT, BTC, SOL, TON, TRX and “all major coins”. The card’s pages do not itemise the underlying networks (which Ethereum, which Tron variant, which Solana), so the right network for each deposit is something you have to confirm in the app or with support before sending.

Credit happens “within a few minutes” once the blockchain confirms the deposit, which is a typical wait for this category. Mastercard and Visa card networks take a few seconds to authorise a payment after that, so end-to-end timing is “a few minutes plus a few seconds” for most coins.

Top-up fees are individual per card. The pricing page does not say whether the fee is a flat amount, a percentage, or a network pass-through, and there is no minimum top-up stated. The “network fee” you pay when sending crypto from your wallet is on top, paid to the blockchain, not to Mirocard.

A practical warning that applies to all crypto cards and to this one specifically: the network you choose for the deposit must be the one the card provider supports. If you send USDT on a network Mirocard does not process, or to an address that belongs to a different network, the transfer can be lost or stuck. Blockchain transfers are generally irreversible. Always send a small test deposit first if you are using a new network or a new wallet, and never copy-paste addresses without double-checking the first and last four characters.

The card does not appear to support fiat top-up, so the only way to load it is from a crypto balance you already hold, or by buying crypto on an exchange and sending it in. If you do not already hold crypto, you are paying two layers of fees: the exchange’s spread and the card’s top-up fee, plus the network fee.

Paying with it every day

Once the card is loaded, daily use is straightforward, with the limits you would expect from a virtual-only product.

You can add the travel card to Apple Pay or Google Pay, the company’s pricing page lists both for that tier. Whether the advertising and services cards support tokenised mobile wallets is not stated, and the safer reading is that they do not. Tokenised mobile wallets matter because they replace the card number with a device-specific number and a one-time dynamic code, which is generally safer for in-person contactless use; the absence of that option on the cheaper tiers is a real restriction if you wanted to tap to pay in a shop.

The card works for online payments in the categories Mirocard advertises: ads, games, AI tools, subscriptions, design, travel, delivery, hosting and shopping. Blocked categories are not stated, so it is worth testing before relying on the card for a specific merchant, especially in higher-risk categories like gambling or crypto exchanges, which several issuers block by policy.

There is no physical card, so in-person use depends entirely on whether you can add the card to a mobile wallet. If you cannot, the card is online-only. There is no ATM access, and no card-to-card transfer feature that I can see on the public pages. There is no rewards or cashback scheme stated. There is also no native mobile app: the account lives at app.mirocard.com in a browser, so on-the-go spending means logging in to a web interface rather than opening an app. The pricing page does not mention a mobile-app rating or a download badge.

One detail worth keeping in mind: address-verification systems (AVS) and merchant BIN checks sometimes decline prepaid or foreign-issued cards, even if the card is technically valid. A small number of US merchants, in particular, treat non-US BIN cards with extra caution. This is a category-wide issue rather than a Mirocard-specific one, but it is a real reason to keep a backup card on hand.

For dispute handling, the terms say that chargebacks, refunds and reversals on card purchases are governed exclusively by the Card Provider’s terms (the issuer, who Mirocard does not name on its public pages), and that complaints should first go to [email protected]. The time frame for resolution is not stated, and there is no published service-level agreement. As a reader, plan for slower and less defined dispute handling than you would get from a mainstream bank.

What can go wrong

Crypto cards as a category carry risks that do not exist with a normal bank card, and Mirocard adds a few of its own.

The first is counterparty risk. Mirocard describes itself as not a bank, not an e-money institution, and not a card issuer. The actual issuer is an unnamed “Card Provider”, which means the entity that ultimately holds your card programme is a third party you cannot see. The corporate entity behind the brand is shown in the site footer as “© 2026 Mirocard”, though that is not confirmed in the documents I read. When you cannot name the issuer, you cannot easily assess its licensing, its capital, or its jurisdiction. As a reader, you are trusting a brand that explicitly disclaims bank-style accountability.

The second is fund custody. The terms say Mirocard does not hold customer card balances. That sounds reassuring, but it means your funds sit with the unnamed Card Provider. If the provider fails, or if the programme is wound down, your path to recovery is unclear. There is no deposit guarantee scheme mentioned, and no segregation language that I could verify.

The third is the regulatory position. The card is marketed in English and Russian, the brand is associated with a Kyrgyz entity, and the Card Provider is unnamed. If you are a European user, the protections you would expect from an EU e-money institution (safeguarded funds, passporting, an authorised status you can check on a regulator’s register) are not visible. If you are a US user, you have no FinCEN MSB registration to look up on the public pages. The “Restricted Jurisdiction” carve-out is also a one-way door: the company does not have to tell you which countries it excludes, and it can change the list under its AML policy.

The fourth is category risk. Crypto card programmes have failed before. The most cited examples are FTX, whose US debit card programme was wound down by its issuer after Visa terminated its global agreements in November 2022, and WaveCrest, whose European Visa programmes were suspended in 2018. When a card programme closes, users typically get a notice period, then spending and loading are stopped, and any remaining balance is supposed to be withdrawable, but that is the best-case path. The point is not that Mirocard is about to fail; the point is that any crypto card carries this risk, and the safer cards publish their licensing, their issuer, and their regulator in a way a reader can verify. Mirocard publishes less than that.

The fifth is the unknowns on the public pages. FX fee not stated. Network fees not stated. Minimum top-up not stated. Country list not stated. Card currency not stated. KYC tiers not stated. Dispute timelines not stated. Each of these is a real gap if you are making decisions with your own money. As I said earlier, where the public pages do not say, I have said “not stated” rather than guess.

The sixth is the security model. On the plus side, the card number, expiry and CVC are only viewable after an extra confirmation, 3-D Secure is enabled on all card types, and advertising cards require confirmation for every payment. On the minus side, there is no mobile app to provide native biometrics or push approvals, and the support channels are a Telegram bot (mirocard_support_bot), a Telegram community, and an email address ([email protected]), listed as “always available” but with no service-level commitment.

I did not find any public complaints, Trustpilot page, or news incidents for mirocard.com in my research, which is unusual for an established brand and worth treating as a yellow flag rather than a green one. It could mean the card is too new to have accumulated reviews. Either way, you should not assume a long track record.

What to take instead

Three alternatives came up in my research, and they each address a slightly different problem.

Cardex is the closest to a “global” alternative if you want a multi-network card, but the Naira focus of its App Store listing and the lack of a country exclusion list mean it has its own gaps. CardFlow is the most affordable if you are a Nigerian user funding a virtual USD card, but it is a smaller brand and the published fee schedule is thin. HyperCard is the broadest in terms of acceptance geography (176 countries), but the App Store page is the only place that number appears, and it refers to where the card is accepted, not who is eligible.

If you want a card that explicitly publishes its country list, its issuer, and its regulator, you will need to look at more established names in the crypto-card space (the larger programmes generally have public eligibility checkers and named issuers). Mirocard’s three competitors above are a closer match in size and product type, but they too leave several numbers unstated.

Who I would recommend it to

I would recommend Mirocard to a fairly narrow group: freelancers, agency owners, and small business operators who need to pay for online advertising, SaaS subscriptions, design tools, AI services, hosting, and similar recurring digital costs, and who already hold crypto in a self-custody wallet or on an exchange. For that reader, the $5 issuance on the services card, the $0 per-transaction fee, the broad coin list, and the few-minute credit time line up well with a working routine.

I would not recommend it as a primary daily-spending card. There is no physical card, no mobile app, no ATM access, no published FX fee, and the issuer is unnamed. A reader who needs a card for groceries, transport, travel, or in-person shopping will find better fits elsewhere, including the alternatives above and the larger mainstream crypto cards.

I would also be cautious if any of the following apply: you are in a country whose crypto-card rules are unclear to you, you do not have a backup debit or credit card from a regulated bank, or you cannot afford to keep the balance on the card small. The combination of an unnamed issuer, no public country list, and no deposit guarantee makes this a product to use lightly, not to load up.

Before you sign up, here is a short checklist:

• Confirm your country is not on the Restricted Jurisdiction list by trying to register; treat the result as final.
• Read the AML policy and the terms for the language about Card Provider and customer balances, so you know who is responsible if the programme changes.
• Start with the services or advertising card at $5, not the travel card at $15, until you have tested the flow.
• Send a small test top-up before sending the full amount, on the network Mirocard confirms in your account.
• Test a payment on a non-USD merchant, if that matters to you, to see the FX behaviour and confirm the cost is acceptable.
• Keep a backup card from a regulated bank or a larger crypto card, in case the card is declined or the programme changes.

Frequently asked questions

What is the Mirocard card?

Mirocard is a virtual-only Visa and Mastercard programme that lets you spend a crypto-funded balance online. There is no physical card, no mobile app, and the card balance is held in a “Master Balance” that you top up with crypto and then transfer to one of three card types: travel, advertising, or services and subscriptions.

How does Mirocard work?

You register on the web, complete the KYC check, fund your Master Balance with crypto (ETH, USDC, USDT, BTC, SOL, TON, TRX and other major coins), and transfer that balance to a virtual card. The card is issued instantly, and the balance is credited within a few minutes of the network confirming the deposit.

Is Mirocard a bank?

No. Mirocard’s own terms say it is not a bank, not an e-money institution, and not a card issuer. The actual card programme is operated by an unnamed “Card Provider” that is responsible for issuing the cards. As a reader, you are trusting a programme manager rather than a regulated deposit-taker.

Who owns Mirocard?

The public site footer says “© 2026 Mirocard”. The site is published in English and Russian.

Is Mirocard available in my country?

Mirocard does not publish a country list. Its AML policy excludes people located in, ordinarily resident in, incorporated in, or otherwise subject to a “Restricted Jurisdiction”, but does not enumerate the jurisdictions. The only way to find out is to register and see whether you are approved.

How do I get a Mirocard card?

Register on the web at app.mirocard.com, complete the KYC documents, and the virtual card is issued instantly. There is no shipping step, because there is nothing to ship.

Does Mirocard require KYC?

Yes. The AML policy lists full name, date of birth, nationality, residential address, government-issued ID, and email as items Mirocard may collect. You must be at least 18. Whether a separate proof of address is required is not stated, and Mirocard and the Card Provider can refuse to issue if verification fails or if the applicant is judged to be a risk.

How do I top up Mirocard?

Send crypto from your wallet or exchange to the Master Balance at the address and on the network shown in your account, then transfer the balance to the card. Credit happens within a few minutes of network confirmation. Always send a small test deposit first to confirm the network, and never copy-paste an address without checking the first and last four characters.

How do I add Mirocard to Apple Wallet or Google Pay?

Apple Pay and Google Pay are listed on the travel card only. The advertising and services cards do not say whether they support mobile wallets, and the safer reading is that they do not. Adding the travel card to a wallet follows the usual tokenisation flow once the card details are visible in your account.

Is Mirocard worth it?

It depends on what you are paying for. For ads, SaaS, AI tools, design, hosting and subscriptions paid in crypto, the $5 issuance and $0 per-transaction fee on the services and advertising tiers are competitive, and the broad coin list is a plus. For general daily spending, travel, or anywhere you need a physical card, a mobile app, or a published FX fee, the value is much weaker.

Content created by the «cryptocardtested» team