A cheap prepaid card in Telegram that turns USDT into everyday spending, with a very short list of eligible countries
Available in US
Relopay is a prepaid card that you fund with USDT and then spend like an ordinary payment card — mostly inside Telegram, mostly online, with a virtual card number that goes straight into Apple Pay or Google Pay. The pitch is simple and, in its own narrow way, attractive: pay a small fee, load a balance, buy things. My score for it is 6.0 out of 10. That is neither a recommendation nor a warning, it is a card that does one job competently while keeping some important things to itself.
The conditions described on this page are current as of October 28, 2026.
Let me start with the part that decides everything else: eligibility. Before fees, before limits, before the nice $3 issuance price, there is a country list, and it is short.
Who they will give you the card
Accounts are limited to the “Supported Countries” listed in the website and app. That list is not published in text I could read, so I cannot quote it for you. An earlier check of the same pages showed Vietnam, Thailand and Indonesia, plus a waitlist for further countries — so treat those three as the last confirmed set rather than as a current guarantee. The documents claim the card can be used in 170+ countries, which is a statement about where the card travels, not about who can open an account.
Those are two different questions, and people conflate them constantly. Being able to pay in 170+ countries says nothing about your right to an account; it means that once you hold the card, a shop in most of the world will not care where it came from.
The restricted countries list, by contrast, is explicit and long. Citizens and residents of the following are barred: American Samoa, Albania, Belarus, Bosnia and Herzegovina, Burundi, Canada, CAR, Congo, DR Congo, Cuba, Guam, Hong Kong, Afghanistan, Iran, Iraq, Kosovo, Lebanon, Liberia, Libya, Montenegro, Myanmar, Nicaragua, N. Mariana Islands, North Korea, Puerto Rico, North Macedonia, Russian Federation, Serbia, Somalia, South Sudan, Sudan, Syria, Ukraine, United States, US Virgin Islands, Venezuela, Yemen, Zimbabwe.
Both citizenship and residence count. That distinction matters more than it looks: if you are a citizen of one of those countries but live in a permitted one, the bar still applies to you. And it is worth saying plainly — Belarus and Russia are excluded.
If you are reading this from one of those countries, stop here and read the alternatives section instead. There is no route through this card.
For everyone else, the pattern that fits the material is Southeast Asia residents who already hold USDT and move money through Telegram. That is the audience this card is genuinely built for, and if that is you, the rest of this page is worth the next ten minutes.
How to get it
You need to be 18 or older with full legal capacity. Verification is standard and required, and the card is described as a “prepaid virtual card” with KYC required — the wording matters, because it tells you where the money sits before you put any there.
The verification runs through Sumsub. The flow as documented: choose the region “All countries except USA”, pick your country and your document, upload a photo of it, then complete a selfie or camera check. The stated result is “a few seconds”. Proof of address is not mentioned anywhere in what I could read.
There is only one verification level documented — a single standard Sumsub check. There are no tiers, no stated processing times beyond “a few seconds”, and no stated list of reasons a check can be rejected. So if a rejection happens to you, the card’s public pages will not explain it.
What you actually receive depends on which plan you pick:
| Plan | What it is | Validity | Notes |
|---|---|---|---|
| Virtual | Reloadable USD card with 3D-Secure | 24 months | Described as the most popular option |
| Prepaid virtual | A separate prepaid virtual card | 60 days | Maximum balance $1,000 |
| Physical | Not launched | — | Listed as “launching soon”, 3 years |
The physical card is not yet launched and there is no shipping information of any kind. The card network is not named in the documents I read; an earlier check said Visa.
So the honest summary of signup: you get a virtual card number, verification takes minutes if it passes, and the physical card is a promise for later.
What it really costs: Fees
Relopay is cheap on the things it publishes and silent on the one number that would let you predict your own spending. The issuance fee is 3 USD. The annual fee, the inactivity fee and the cancellation fee are all free. Topping up is 0% on the virtual plan.
The rates that are published:
| Fee or limit | Value |
|---|---|
| Card issuance | 3 USD |
| Annual fee | Free |
| Inactivity fee | Free |
| Cancellation fee | Free |
| Successful transaction | $0.2 |
| Declined transaction | $0.5 |
| Top-up fee, virtual plan | 0% |
| Top-up fee, physical plan | 1% (USDT) |
| Crypto conversion fee | Applies at the time of purchase; rate not published |
| FX fee on non-USD payments | Not stated |
| ATM withdrawal | “May include small charges”; no amounts given |
| Virtual card max monthly spending | $4,000 (usage terms) |
| Virtual card max balance | $4,000 (cards page) |
| Prepaid card max balance | $1,000 |
| Minimum USDT top-up | $5 |
Two things in that table are holes rather than numbers. The conversion fee is the big one: the card’s own wording is that “conversion fees apply when cryptocurrency is converted to fiat at the time of purchase”, and no rate is published. If you pay in a currency other than USD, payments are converted automatically and the fee for that is not stated either. That means your real cost per payment on a non-USD purchase is genuinely unknowable from the public pages.
The limits also disagree with themselves. The usage terms give a maximum monthly spending of $4,000 for the virtual plan, while the cards page shows a virtual card maximum balance of $4,000 and monthly spending of $50,000. The terms also say Relopay or the issuer may set daily, monthly and per-transaction limits on their own. If you are planning something large, assume the lower figure until the app tells you otherwise.
Now three everyday payments, with the fees that actually touch them.
- A $30 subscription paid in USD. You lose $0.2 in the transaction fee. If the payment converts crypto into fiat at that moment, a conversion fee applies on top, at an unpublished rate. Net cost: $30.20 plus whatever the conversion charges.
- A €40 purchase while your balance sits in USD. The card converts automatically. The $0.2 still applies, the conversion fee still applies, and an FX fee may also apply with no published amount. This is the payment where you genuinely cannot compute your cost beforehand.
- A declined $15 authorisation. $0.5. No goods, no service, and the fee is charged anyway.
One more cost that is easy to miss: adding the card to Apple Pay or Google Pay triggers a $0 verification transaction that may carry a small fee and can push your balance negative.
How to Top up
The documented method is USDT on TRC20, with a minimum top-up of $5. The cards page also names Bitcoin, USDT and “other cryptocurrencies”; an earlier check of that same page listed USDT, USDC, ETH, BTC, TON and BNB. Coins are converted into local currency at the moment of payment, not at the moment you load. Top-up and transaction fees are calculated in USDT. Fiat top-up is not stated.
If the earlier list is still accurate, one entry in it carries a specific trap. USDC over TRC20 is not a native option — Circle stopped supporting USDC on Tron in February 2024. Sending it that way anyway is a manual recovery request with no guarantee, because blockchain transfers do not reverse.
Two more details that decide whether the money is really yours:
- Deposits on the virtual plan are non-refundable. Unused balances cannot be refunded to the wallet. The card expires after 24 months with whatever balance is left still in it.
- On account closure, funds are withdrawn “within a reasonable period” less fees, and unclaimed funds are kept for three years.
That pair of clauses is the single biggest difference between this card and a bank account. You are loading money into a prepaid instrument, not depositing it somewhere it can be recovered from.
The onboarding picture rounds out as: a physical card “launching soon” and a waitlist for further countries, both listed on the cards page in 2026.
Paying with it every day
The virtual plan supports Apple Pay and Google Pay, which is what makes the card usable at all — most people do not carry a card-shaped object through a week. There is a Telegram mini app at @RelopayBot. There is no App Store or Google Play app, and there are no ratings anywhere, because there is nothing on those stores to rate.
There is no cashback stated. There is a referral programme, but I could not find a rate for it.
Restricted categories are worth reading as a list of things that will simply fail: gambling, dating, money transfers, quasi-cash, fuel and EV charging, telecoms, gift cards, brokerage and charity. Charity carries a stated penalty of 30% of the transaction value with a $5 minimum — a number large enough to hurt on any donation above about $17.
And then the clause that shapes how you should treat every purchase on this card. Terms 9.11: “All Relopay Card transactions are final and may not be disputed, reversed, or cancelled” — except where the issuer or the law say otherwise. Terms 9.13 adds that disputes about goods are between you and the merchant.
Practically: if a shop takes the money and never delivers, your route is the merchant, not the card issuer. A declined online authorisation can still leave a hold on your funds for several days, typically up to seven.
What can go wrong
No official incidents surfaced, and no user reports either. A search for Relopay reviews turned up only unrelated companies with similar names — RelayPay, Relay Payments, Lopay. There is no Trustpilot page for Relopay.
I read that in two directions, and you should too. It is mildly reassuring that nothing has gone publicly wrong. It is also what a thin track record looks like: no complaints is the same data set as no users.
The structural risks are the ones to weigh instead.
- The money is custodial. Your fiat balance is held by the issuer. Custodial platforms have a real history — Mt. Gox at about US$350 million reported stolen between 2011 and 2014, Coincheck at about US$400 million in 2018, Ronin Network at US$625 million in 2022.
- Transactions cannot be reversed. That is written into the terms, not inferred.
- Card programmes get shut down. Visa terminated its global agreements with FTX on 13 November 2022 and the FTX US debit card was wound down. WaveCrest, a Visa issuer that supplied crypto card brands, was suspended by Visa in Europe in 2018 and every WaveCrest-issued programme closed. A closure sequence typically stops loading, then stops spending, then asks you to withdraw.
- Prepaid and foreign BINs get declined. Merchants can look up the issuing institution and country, and some decline prepaid or foreign cards outright. Address verification is largely unavailable for foreign-issued cards, which causes more declines.
- Your balance expires. 24 months on the virtual card, 60 days on the prepaid one.
On the company side: 1507613 B.C. LTD is a Canadian entity described as a FINTRAC-authorised payment services provider, and RELOPAY PTE. LTD is registered in Singapore with UEN 202514348M. Cards are issued by Xfers Pte. Ltd., and your fiat balance is held by that issuer. An unofficial third-party profile says Xfers holds a Major Payment Institution licence from MAS — I could not confirm that from the card’s own pages, so treat it as reported rather than established.
Support is Telegram-only in practice: @RelopaySupportBot, a Telegram channel, and accounts on X and Instagram. Freeze, two-factor authentication and spending-limit controls are not stated.
The company’s own pages are worth reading for what they admit to. They do not present a trust mark, an audited reserve statement, or a stated insolvency treatment for your balance. Neither is a red flag by itself — plenty of legitimate issuers publish neither — but you are being asked to fund a prepaid instrument with crypto you cannot withdraw, and that is the deal.
If you want to know how the company is regulated and whether it appears on public registers, search “Relopay card” together with the regulator in your country; ESMA’s interim register, for instance, is where EU users can check authorised crypto-asset service providers.
What to take instead
I looked at three alternatives with published information, and the honest headline is that none of them is unambiguously better. One has a country list you might clear and one does not even publish one.
| Card | Score | Who | Card type | Upfront cost | Key fees |
|---|---|---|---|---|---|
| Relopay | 6.0 / 10 | Supported Countries list only; 30+ countries barred | Virtual (USD), prepaid virtual | $3 | $0.2 per successful payment, $0.5 declined, conversion fee unpublished |
| Telecard | 6.1 / 10 | 150+ countries where Mastercard is accepted; no exclusion list published | Virtual Mastercard | $5 standard; VIP $49 then $19/month | 1.5% currency conversion, $0.5 gas per successful transaction, FX and cross-border “up to 3% each” |
| Azul Card | 5.3 / 10 | Worldwide except Russia, Belarus, North Korea, Iran, Syria, Cuba, Sudan, Venezuela, Ukraine and four regions of Ukraine | Virtual only | $20 creation, refunded after $2,000 in spending; $5 monthly | 4% crypto top-up, $0.25 per transaction |
| OnCards | 4.6 / 10 | Not stated — no country list published | Virtual only, in Telegram | Not stated | Not stated |
Read that table with the details underneath it, because the differences that matter are not the scores.
Telecard is the closest substitute and the one I would look at first if Relopay’s country list excludes you. It works in over 150 countries wherever Mastercard is accepted, its terms bar only users “blocked or sanctioned by the United States Government, including OFAC”, and identity check is “available in most major regions”. It takes USDT on Tron or Ethereum, and USDC on Ethereum; Polygon is not supported, and bank transfers are “coming soon”. Two catches: the standard plan requires a $99 minimum deposit to activate, which the site states is “NOT a fee” and which stays in your wallet; and its fee structure is heavier than Relopay’s — 1.5% on currency conversion and 0.5 USDT gas per successful transaction, plus FX and cross-border fees “up to 3% each”. If you pay frequently, that arithmetic matters.
Azul Card has the longest published restriction list of the three, and the exclusions are absolute: “The restrictions apply regardless of the user’s nationality”. Its $20 creation fee is refunded after $2,000 in spending, and it charges $5 a month — a model that suits someone spending steadily and penalises anyone who loads and forgets. Its top-up fee is 4%, and first top-ups can take up to ten minutes.
OnCards I cannot recommend on evidence. No country list, no fee amounts, no currency, no rewards information — the site says only that there are “no hidden charges”. It is virtual-only, funds via USDT on BEP20, and does not accept bank transfers.
One thing all three share with Relopay: none of them is a bank. None of them gives you deposit protection. None of them can promise you a chargeback on a crypto-funded payment.
Who I would recommend it to
I would recommend Relopay to someone in one of the supported countries who already holds USDT, already uses Telegram as their banking front end, and wants a prepaid card number in Apple Pay today — not a bank account, not a savings product, not a way to get money back out. For that person the $3 issuance, the 0% top-up and the $0.2 per payment are genuinely good, and 24 months of validity is generous.
I would not recommend it to you if any of these are true:
- You are a citizen or resident of any of the 30+ barred countries, including Belarus or Russia. There is no version of this that works for you.
- You need to get money back. Deposits are non-refundable, unused balances cannot be returned to the wallet, and the balance expires with the card.
- You intend to make a large purchase. The published monthly limit is $4,000 in the terms and $50,000 on the cards page, and the issuer may set its own.
- You need to dispute a purchase. The terms say transactions are final.
- You want cash from an ATM. The virtual card is online-only; ATMs belong to the physical card that has not launched.
- You need to know what a payment costs. Two of the numbers that would tell you — the crypto conversion rate and the FX fee — are not published.
And the general caution that applies to every card in this category, including the ones I rated higher. A crypto-funded prepaid card is not a bank account, the money is held by a third party, transactions are effectively irreversible, and the programmes around them do occasionally close. Size your balance accordingly — that is the single most useful thing you can do with any of these cards, and it is a risk decision, not a technical one.
My own line, if I were drawing it: hold only what I could afford to lose outright, and treat the card as a convenience for spending rather than as a place to keep money.
Frequently asked questions
What is Relopay card?
Relopay is a prepaid payment card that you load with cryptocurrency, mainly USDT on the Tron network, and then spend as an ordinary card number. The card is issued by Xfers Pte. Ltd. and reached through a Telegram mini app called @RelopayBot. Funds are held as a US dollar balance by the issuer, and coins are converted at the moment of payment rather than when you top up.
Is Relopay a bank?
No. Relopay operates through companies in Canada (1507613 B.C. LTD, described as a FINTRAC-authorised payment services provider) and Singapore (RELOPAY PTE. LTD, UEN 202514348M), while the card itself is issued by Xfers Pte. Ltd. Your balance is held by that issuer, not deposited at a bank, so deposit guarantee schemes do not apply and the card should be understood as a prepaid instrument.
Who can get a Relopay card?
Accounts are limited to the “Supported Countries” listed in the app and website, and that list is not published in text I could read — an earlier check showed Vietnam, Thailand and Indonesia plus a waitlist. Citizens and residents of about 30 countries and territories are explicitly barred, including the United States, Canada, Hong Kong, Belarus and Russia. The card itself is said to work in 170+ countries, which is about travel, not eligibility.
How much does a Relopay card cost?
Issuance is 3 USD, with no annual, inactivity or cancellation fee, and top-up is 0% on the virtual plan. Each successful transaction costs $0.2 and a declined one costs $0.5. Conversion fees apply when cryptocurrency is converted to fiat at the time of purchase, but the rate is not published, and no FX fee is stated for non-USD payments. On-chain network fees are charged by the blockchain, not by Relopay.
Does Relopay require KYC?
Yes. Verification runs through Sumsub: you pick the region “All countries except USA”, choose your country and document, upload a photo and then complete a selfie or camera check, with the stated result coming “in a few seconds”. You must be 18 or older with full legal capacity. There is one documented verification level, no tiers, no stated rejection reasons, and proof of address is not mentioned.
How do I top up my Relopay card?
The documented method is USDT on TRC20, with a minimum of $5. The cards page also names Bitcoin and other cryptocurrencies, and an earlier check of that page listed USDT, USDC, ETH, BTC, TON and BNB. Top-up fees are 0% on the virtual plan and 1% on the physical one, and fees are calculated in USDT. Check the network before sending: USDC is not natively supported on Tron since February 2024, and a wrong-network transfer cannot be reversed.
Can I use the Relopay virtual card with Apple Pay and Google Pay?
Yes, the virtual plan supports both. Adding the card to a mobile wallet triggers a $0 verification transaction that may carry a small fee and can leave your balance temporarily negative. Apple Pay replaces the card number with a device-specific number, so the issuer can also restrict where the tokenised card is accepted, and some merchants decline prepaid or foreign-issued cards outright.
Can I get cash from an ATM with a Relopay card?
Not with what exists today. The virtual card is online-only, and ATM withdrawals belong to the physical card, which is listed as “launching soon” with no shipping information published. The FAQ does say ATM withdrawals “may include small charges” but gives no amounts, so there is nothing concrete to plan around.
Is the Relopay card safe?
No official incidents and no user complaints surfaced, though I also found no Trustpilot page and nothing to indicate a large user base — the absence of complaints is thin evidence. The structural points matter more: your balance is custodial and held by the issuer, all transactions are final under terms 9.11, deposits are non-refundable, and the balance expires with the card. Card programmes in this category do close, as the FTX and WaveCrest cases show.
Can I get my money back from Relopay?
Not as a matter of right. Deposits on the virtual plan are non-refundable and unused balances cannot be refunded to the wallet, and the card expires after 24 months with any remaining balance still inside it. On account closure, funds are withdrawn “within a reasonable period” less fees, and unclaimed funds are kept for three years. If keeping money accessible matters to you, this card is the wrong tool.
Virtual cards put to the test – cryptocardtested
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