The card exists; the numbers mostly do not

Updated October 2026

Licensed

Available in US

Fast payouts

18+ Only

The Roqqu card is one of those crypto cards where the easy part — you can hold it, and you can pay with it — is documented, and the harder part — what it costs, which coins fill it, which countries can open one — is largely not. I went through Roqqu’s public pages and its general terms with that gap in mind, and this review is honest about where the line sits. My score for the card is 4.5 out of 10. That is not a verdict on whether Roqqu is a good company; it is a verdict on how much of the card you can actually judge before signing up.

Conditions are current as of October 28, 2026.

The audience I have in mind is Roqqu exchange users spending stablecoins online — people who already hold crypto on the platform and want a card to spend it from. If that is you, some of what follows will reassure you; if you were hoping for a clear fee schedule, a card in your hand, or a number for how much a coffee costs, this page will save you the disappointment later.

Verdict: 4.5 / 10

I break a card down into five things that decide whether it is usable day to day: whether you can get it at all, what it costs, what you can load it with, whether it behaves reliably when something goes wrong, and whether it fits ordinary life. Roqqu scores five out of five — meaning “fine, as far as the published information goes” — on the first four in name, and then three on everyday use. The details behind those marks are in the table below.

Two of those marks deserve a word. The 5s are not endorsements; they are the score you get when the card has not told you enough to earn anything better or worse. Eligibility is described only in terms of “supported markets” and depends on your residence and the countries Roqqu operates in, reassessed on an ongoing basis. Cost is a 5 because there is simply no published card fee to judge — the page links to a fees page that lists no card fees. Top-up is a 5 for the same reason in reverse: the card clearly converts crypto directly, but does not say which coins or on which networks.

The 4 for reliability and the 3 for everyday use are the marks that actually tell you something. Reliability lost a point because the entity behind the card is named without an issuing institution or licence, and because the user-reported themes on Trustpilot are the kind that hurt: missing deposits and withdrawals, slow support, locked accounts with assets held, and identity-verification problems. None of those are confirmed failures, and I found no official record of incidents — but they are what people write about. Everyday use lost two points because what you actually get is a virtual card whose design you can customise, and the things that decide whether a card works in the real world — adding it to Apple Pay or Google Pay, holding plastic, using it at an ATM — are simply not described.

My honest summary: this is a card for spending what you already hold, in a fairly narrow way, from a platform whose terms are still thin on the details. If you are that person and you have read the terms, it may serve you well. If you need a physical card, a known fee, a support number that answers, or a clear list of countries, keep looking.

Will they give you the card?

Here is the first honest answer: the public page names no countries at all. It refers only to “supported markets”. What the general terms add is that access depends on where you live and on the countries Roqqu operates in, and that eligibility is reassessed on an ongoing basis.

That is worth sitting with for a moment. “On an ongoing basis” means the answer can change after you have been approved, without a rule being published that tells you when. And because the list of operating countries is not disclosed, the only way to know whether you can have the card is to try — which, in practice, means creating an account and working through verification, the very steps that cost you time and documents if the answer turns out to be no.

So the question “is Roqqu card available in my country” has no public answer. If you are outside the markets Roqqu already serves, you are not so much being refused as being left in the dark. I would not build a plan around getting this card until you have confirmed in the app itself that your country is one where it can be issued.

How to get it

The route to the card runs through identity verification, and the terms are clear about what that involves: registering means giving your legal name, a government ID and your date of birth. You must be 18 or the legal age where you live. The card’s own FAQ answer on KYC is not shown on the page, so the short version is what the terms say.

Once you are in, the card itself is described as “Virtual Flexibility” — a virtual card with designs you can customise. Whether it sits on Visa or Mastercard, and whether a physical version exists, are not stated. An earlier version of this material described it as a prepaid Visa, but the current page does not say so, so I will not repeat it as fact.

Two things about verification are worth knowing before you start. First, your limits depend on your verification level and your tier; higher limits may require enhanced due diligence. The terms do not list the tiers, the levels, or how long any of it takes. Second, no delivery time is stated for anything, which matters mostly because the card is virtual — you may get it inside the app instantly, or you may not, and the page does not say.

Fees: what it really costs

The costs table is the shortest honest answer I can give, and it is mostly empty — not because I could not find it, but because the page does not publish it. The card page links to a fees page that lists no card fees. Issuance, monthly fee, conversion, foreign-exchange fee and ATM charges are all not stated, as is whether the card even charges for ATM use.

What I can tell you about the three everyday payments people actually care about:

A cup of coffee bought online. The price you pay in crypto depends on the conversion at the moment of purchase and on any fee Roqqu applies — and neither is published. So you cannot predict the cost of a single small payment, which for a card is unusual.

A subscription you pay monthly. Whether Roqqu treats this like any other payment, or whether there is a recurring-payment charge, is not something the terms spell out.

Anything bought in a currency other than the one your balance is in. Whether a foreign-exchange fee applies, and at what rate, is not stated. For a card meant for online spending across borders, that is the single fee you would most want to see, and it is the one most conspicuously absent.

I want to be clear that “not stated” does not mean zero. It means you will be finding out at the till, or after it. The way to protect yourself is to keep small amounts on the card, spend in small test amounts first, and read the in-app fee screen before you commit to anything larger. Treat the cost of a Roqqu payment as unknown, because on the published evidence that is what it is.

Top up: how the card gets filled

The card has no separate wallet you top up and no manual load step described. The page says you “spend your crypto directly online or in-store”, through what it calls “Direct Conversions”. The way to think about it: the crypto you already hold on Roqqu is converted as you spend, rather than being pre-loaded into a card balance first. An earlier version of this material described it as stablecoins in a Roqqu wallet, converted in real time at each purchase — the current page does not name coins or networks.

That missing detail is not a small one. On a stablecoin network, a transfer sent on the wrong network or to the wrong address can be lost or need manual recovery with no guarantee; crypto transfers, once broadcast, cannot be reversed. And on-chain network fees for a deposit are charged by the blockchain, not by Roqqu — so the cost of getting money in is outside Roqqu’s control and, on the published pages, outside your forecast too. Withdrawing is not described for the card either.

The practical takeaway: if you already keep stablecoins on Roqqu, the flow suits you. If you are planning to move money in from another wallet first, the network and coin questions are exactly what you need answered before you do — and they are the questions the public pages leave open.

Paying with it every day

Here is where the card is thinnest, and the everyday-use score of 3 comes from it. What is documented is a virtual card with customisable design. What is not documented is whether it works in Apple Pay, whether it works in Google Pay, whether a physical card exists, and whether you can use it at an ATM. There is an app in the App Store and the Play Store — the page carries both store badges — and it shows a figure of “4.25 Stores” with no explanation attached; I did not read the store ratings or review counts.

It helps to know what to expect from any card in this category, virtual or not, so here is the general picture. A card number starts with a short issuer identification number, and merchants can look that number up to see which institution and country issued it — which is why a card issued in one country can look foreign to a shop in another, and why some merchants decline prepaid or foreign-issued cards. Online payments often add a 3-D Secure step, an identity check where the issuer either approves silently or challenges you with a code or a biometric. A declined payment can leave a hold on your money for several days. None of that is specific to Roqqu, but it is the weather you will be walking in.

The design choice is a nice touch and, for many people, the whole point — a card you are happy to have visible. But a design is not a substitute for knowing whether the card will work in your wallet, at your usual shop, or in a country other than the one you signed up in.

What can go wrong

I looked for official problems first and found no recorded incidents on the card. What I did find is a pattern in what users write about, and I want to separate the two clearly. These are user reports on Trustpilot, not confirmed failures.

The Trustpilot picture, as I read it, is 3.6 out of 5 across 104 reviews, two of them in the last twelve months (the same page also displays a “4.0 Trust Pilot / 300” figure, which I could not reconcile; I am giving you the number I could verify). The recurring themes, all self-reported:

• Deposits and withdrawals going missing, reported around October 2023 and again around October 2025.
• Support being slow, reported around November 2023 and again in February 2026.
• Accounts locked with assets held, reported around November 2023 and June 2024.
• Identity-verification and BVN problems, reported around December 2023 and January 2025.

Notably, I found no complaints specifically about the card as a card. The complaints are about the platform around it — which is still relevant, because the card lives on that platform.

Who you are dealing with is not entirely clear either. The terms name Roqqu Nigeria Limited; the site footer names Roqqu Technologies; the relationship between the two is not explained. The issuing institution and any licences are not named on the page. That matters more than it sounds: in this category a card usually involves a licensed issuer behind the crypto brand, and if you cannot see who that issuer is, you are trusting a name rather than a regulated entity you can look up.

On the positive side, the security claims are specific and worth reading: cold storage, two-factor authentication, email and SMS transaction notifications, an “ISO 27001 certified” label, and an NDPR audit dated 2024. What is not stated is the custody model for card funds — who holds your money while the card is spending it.

Two general warnings, because they apply to anyone in this space. Custody is a real risk: platforms holding your keys have failed before, with Mt. Gox, Coincheck and the Ronin Network all being large reported losses. And programme closures happen — Visa terminated FTX’s agreements in November 2022, and Visa suspended WaveCrest in Europe in 2018, closing every programme it had issued. If a card programme winds down, the usual sequence is a notice, then spending and loading stop, then you are asked to withdraw what is left. That is a reason to hold only what you need on any card, this one included.

What to take instead

If the gap between what Roqqu publishes and what you need is too wide, these are the same cards I scored, with the same rule: where a figure is not stated, I say so rather than guess.

• Young Card — score 5.7 out of 10. Country eligibility, card type and fees are not stated on the official pages I could read. One thing that is clear: cashback is paid in YNG tokens at a rate set by your Club tier — Essential 0.1%, Gold 1.8%, Platinum 3.6%; Bronze and Silver are not stated. A rewards rate is nice; it is not a substitute for a fee schedule.

• MSX — score 6.4 out of 10, the highest of the three here, but I could not read official pages stating eligibility, card type, cost, fees or top-up. A higher score in my ranking is not the same as more published detail.

• Bybit Card — score 6.0 out of 10, and the most documented of the three, which makes it the most useful contrast to Roqqu. It operates in named regions — Argentina, AIFC (Kazakhstan), Georgia, Kazakhstan, Australia, Mexico, Brazil, Peru, Asia Pacific — and explicitly not for European Economic Area customers. Virtual and physical cards exist; physical is not available in Peru. Fees are stated: crypto conversion 0.9% over the One-Click Sell rate in most regions, 0.5% in Argentina; foreign-exchange 2% on top of the network rate in Australia, Asia Pacific, Georgia and Mexico, 7% in Argentina, 1.5% in Brazil, 1% in Peru. It has no balance of its own — it draws on your funding account, selling crypto only if fiat runs short. And its rewards are unusually specific: from 5 October 2026, only crypto-funded transactions earn points, across tiers from Base at 2.00% to Infinite at 10%.

The comparison is instructive in one way: everything I could not find out about Roqqu, I could find out about Bybit. Countries, networks, fees, reward rates, currency, card validity. If the reason you are reading this page is that you want to know what you are signing up for, that difference is the argument.

Who I would recommend it to

I would recommend the Roqqu card to someone in this specific situation: you already have stablecoins sitting on Roqqu, you spend online, you are comfortable with a virtual card and with terms that leave the details open, and you will not be caught out by having no figure for a fee. For that person, spending directly from an existing balance is a genuinely useful simplification, and choosing a card design you like is a small pleasure that most bank cards do not offer.

I would not recommend it to you if any of the following is true, and I say this without drama:

• You need a physical card, or one that works in Apple Pay or Google Pay, or at an ATM.
• You are outside Roqqu’s operating markets and cannot confirm eligibility before investing time in verification.
• You want to know, before your first payment, what it will cost and what the foreign-exchange rate is.
• You plan to move a meaningful balance onto it and hold it there.

In those cases I would point you at a card whose fees and coverage are written down — Bybit Card is the clearest example among the alternatives — and keep only small sums on anything whose terms are still being written.

Frequently asked questions

What is the Roqqu card?

The Roqqu card is a virtual payment card described as “Virtual Flexibility”, with designs you can customise. The card’s page says you can spend crypto directly online or in-store through “Direct Conversions”. The card network, whether a physical version exists, and the fees are not stated on the public pages. Roqqu’s card sits on its wider crypto platform, not as a separate product.

How does the Roqqu card work?

Instead of being loaded with money in advance, the card converts your crypto as you spend: the page describes “spend your crypto directly online or in-store”. Coins and networks are not named on the current page. Because conversion happens at the point of purchase, the exact cost of any payment depends on the conversion and on fees that are not published.

Is Roqqu a bank?

Not on the evidence published. The terms name Roqqu Nigeria Limited and the site footer names Roqqu Technologies, without explaining the relationship between them. No issuing institution or licence is named on the page. In this category a card normally runs on a licensed issuer behind the crypto brand, so the absence of a named issuer is worth noticing.

Who owns Roqqu?

The public documents point to Roqqu Nigeria Limited in the general terms and Roqqu Technologies in the site footer, and do not explain how the two relate. Ownership beyond those names is not disclosed. That is an unusual amount of ambiguity for a financial product, and it is one reason the reliability score came out low.

Can I get the Roqqu card in my country?

The card’s page names no countries — only “supported markets”. The terms say access depends on where you live and the countries Roqqu operates in, with eligibility reassessed on an ongoing basis. The operating list is not disclosed, so the only reliable way to find out is to check inside the app before investing time in verification documents.

How do I apply for the Roqqu card?

Registration means providing your legal name, a government ID and your date of birth, and you must be 18 or the legal age where you live. The card’s own FAQ answer on KYC is not shown on the page. Your limits depend on your verification level and tier, and higher limits may require enhanced due diligence, with no tiers or timings published.

How do I top up the Roqqu card?

The card is not described as being loaded separately. The page says you spend your crypto directly, through “Direct Conversions” — the crypto converts at the point of purchase rather than sitting on a card balance. An earlier description referred to stablecoins in a Roqqu wallet converted in real time; the current page names no coins or networks, which matters before any transfer.

What does Roqqu card use — Apple Pay, or a physical card?

Neither is stated. The published card is virtual with a customisable design; Apple Pay, Google Pay, plastic and ATM access are all absent from the page, which is why the everyday-use score was the lowest of the five criteria. App Store and Play Store badges are shown for the mobile app, but that says nothing about wallet support or physical delivery.

Is the Roqqu card free?

Nobody can tell you from the public pages — and I would not treat “not stated” as “free”. The card page links to a fees page that lists no card fees, and issuance, monthly, conversion, foreign-exchange and ATM charges are all unpublished. Before committing real money, read the fee screen inside the app, and keep only small sums on the card until you have seen a real charge.

Is Roqqu safe, and can I withdraw?

Safety here depends on trust. Roqqu lists cold storage, two-factor authentication, transaction notifications by email and SMS, “ISO 27001 certified”, and an NDPR audit dated 2024, but does not state who holds card funds. User reports on Trustpilot (3.6 out of 5, 104 reviews) mention missing deposits and withdrawals, slow support, locked accounts with assets held, and verification problems. Withdrawal from the card is not described.

Content created by the «cryptocardtested» team