A four-tier crypto Visa with non-custodial storage, a Prague company behind it, and a great deal the public pages do not say

Updated October 2026

Licensed

Available in US

Fast payouts

18+ Only

If you are reading this, you have probably already tried the obvious route and found it shut. Maybe a bank declined to open an account for you, or the country you live in has no comfortable relationship with crypto, or you simply want a card that spends from crypto you already hold instead of moving money through a traditional bank first. That is the situation this card is built for, and I want to be straight with you from the first line: TXBFI looks genuinely interesting at the everyday-use end of its range, and genuinely unfinished at the paperwork end. My score for it is 5.8 out of 10, and most of the reason for that middling number is not the card — it is how little the company’s own pages confirm about who stands behind it.

Read on, and I will take you through tier by tier, fee by fee, and then through the parts that are simply not stated anywhere, because those are the parts that should decide whether you hand over your documents and your money.

The conditions described here are current as of October 28, 2026.

The verdict: 5.8 out of 10, and the reason is arithmetic about risk

Five point eight out of ten. That is not a card I would tell a friend to move their savings onto, and it is not a card I would tell them to avoid either. It sits exactly where you would expect a product with a good front end and an undocumented back end to sit.

Who it suits: someone who already holds crypto, needs a Visa rather than a bank card, and is comfortable with a fintech company whose legal structure they cannot fully verify from the public pages. Who it does not suit: anyone who needs certainty about chargebacks, who cannot pass a liveness check, who needs a physical card with Apple Pay, or who is the sort of person who reads a licence number before signing up. I have scored it here the way the material allows — line by line, criterion by criterion.

Every-day use scores highest, and it deserves to: four tiers from a purely virtual card to a gold one, Apple Pay on the virtual card, daily ATM limits that are stated plainly. Cost scores worst, and not because the numbers are bad — 0.6% forex and no monthly fee are genuinely competitive — but because the entry price is high, the top-up fee is 2.6% on the two tiers most people would actually buy, and the company’s own pages contradict themselves about that number. I will show you those contradictions in the fees section, because you deserve to see them.

Will they give you the card?

Short answer: probably, if you pass their checks, but I cannot tell you from any public page whether your country qualifies — because no country list exists on the site.

That is the honest answer and I want to be precise about what it means. The card’s public pages publish no list of eligible countries and no list of excluded ones. Russia and Belarus are not mentioned either way. What is published is a single sentence: “Service availability is subject to jurisdiction, eligibility, applicable law and provider requirements.” Read carefully, that sentence gives the company enormous room. It says nothing about where you live, what passport you hold, or whether a given nationality can be served. It is a disclaimer, not a statement of availability.

If your question is “can I get this in my country?”, the answer you can actually get is: you have to apply and find out. The site does not let you pre-check.

Two broader facts are worth holding in mind as you weigh that. First, nationality and residence are screened separately in this industry, because sanctions screening is usually applied to citizenship and country of birth as well as to the country of address. A European card can be perfectly available to a resident of one EU state and closed to a citizen of another. Second, prepaid and debit cards are generally available to adults aged 18 and over, and some issuers set higher limits — though TXBFI’s own minimum age is not stated anywhere on the pages I could read.

I would not build a plan that assumes acceptance. If a TXBFI card is your route to receiving wages, or to paying a landlord, or to a service that will not take an alternative payment method, treat it as an experiment, not as infrastructure.

How to get it

The process is short, conventional, and described clearly enough that I can walk you through it: register on the web platform, pass identity verification, choose a tier, pay the one-time price, top up.

The identity requirements are specific. You need a government photo ID — passport, national ID card or driving licence — plus proof of address dated within the last three months, meaning a utility bill or a bank statement. There is a biometric liveness check, and the terms describe sanctions screening, PEP screening and wallet screening. Most accounts are approved within 24 hours, one account per person is allowed, and the minimum age is not stated.

Two things stand out. First, a single verification path is described: ID plus proof of address plus liveness, with approval mostly within 24 hours. There is no mention of tiered verification levels, and no rejection reasons are published — so if you are refused, the site offers you no explanation and no appeal route it advertises. That is thin. Second, three months is a tight window on proof of address. If your most recent utility bill is four months old, gather a bank statement as well before you start.

The card itself is a Visa. The Virtual tier is virtual; Plastic, Metal and Gold are physical. The currency the card is denominated in is not stated. Delivery times and shipping cost for the physical tiers are not stated either — and since Metal is $1,000 and Gold is $10,000, you would want to know that before you pay, not after.

Fees: what it really costs, and the contradictions you should know about

No monthly fee and no annual fee. That headline is real: $0 per month. But the one-time price and the per-transaction costs are where your money actually goes, and the company’s own pages do not fully agree with each other on the top-up number.

The tier prices: Virtual $25 as a launch promotion, normally from $200; Plastic $300, normally from $500; Metal $1,000; Gold $10,000. Upgrading costs the difference between tiers. So the price list is a ladder you can climb, not a subscription you pay monthly.

Now the contradictions, because they matter. One page carries a heading reading “Why 2.7% upfront”. Another header shows “3%” for top-up. The FAQ elsewhere says 2.6% for Virtual and Plastic, 2.4% for Metal, 1.8% for Gold. None of those three numbers is the same, and no page I read explains which one is current. So when I say the deposit fee is 2.6% on the tiers most people would buy, I am quoting the FAQ — the most specific and most plausible source — while telling you plainly that the site also says 2.7% and 3%. Take the highest figure as your working assumption until the company confirms otherwise. The ATM fee has a smaller version of the same problem: $2.50 domestic and $3.50 international in the FAQ, but “from 2%” on the tiers page. Neither page explains whether the 2% is a percentage, a floor, or a different product.

Three everyday payments, so you can see which fees actually bite:

Buying coffee for $4. No forex fee, because it is not an international transaction. No ATM fee. No conversion fee — the coffee is priced in the card’s currency, and whatever that currency is, the card does not say. Effectively you pay $4 plus whatever the network and merchant take. This is the payment the card is best at, and it is clean.

Buying a $60 train ticket through a European booking site while holding EUR. The 0.6% forex fee applies — a “fixed spread over mid-market” on an international transaction. On $60 that is $0.36. Not painful. The bigger risk in a booking like this is not the fee but the decline: address verification is generally unavailable for foreign-issued cards, and some merchants decline prepaid or foreign BINs, so a card that looks “foreign” to the shop can be refused at the last step.

Withdrawing $200 in cash at home, then $200 abroad on the same trip. The ATM fee applies — $2.50 domestic, $3.50 international per the FAQ. The daily withdrawal cap applies: $1,000 a day on Plastic, $1,500 on Metal, $3,000 on Gold, and nothing at all on Virtual because the virtual card has no ATM access. Free allowance, if any, is not stated. The one-tap limit is separate from all of this: $15,000 on Virtual and Plastic, $40,000 on Metal, $100,000 on Gold. Monthly limits are not stated anywhere.

Before I leave fees: the top-up fee is not a bank fee, it is the price of getting value onto the card, and it is charged before you spend anything. On a $2,600 top-up at the FAQ rate of 2.6% you would pay $67.60 before the first coffee. If your plan is to load large amounts once, the Gold tier’s 1.8% is materially cheaper — but Gold costs $10,000 to buy. There is no arithmetic in which the ladder works out for an occasional user, and rather a lot in which it works for someone moving serious volume.

Top up: which coins, which networks, and the question nobody answers

You can top up with BTC, SOL, SUI, XRP, XLM, USDT and USDC. That is a genuinely good list — it covers the majors, several Solana-native tokens, and two stablecoins.

What is not stated is the networks. Which chain each coin arrives on is simply not published, and this is not a detail you can afford to be vague about. Blockchain transfers are irreversible. If you send USDT on a network the provider does not support, or to an address belonging to a different network, the funds can be lost or need manual recovery with no guarantee of success. Stablecoins are famously multi-chain: USDT has been issued on Ethereum, Tron, Solana, Polygon and Avalanche, and Circle lists USDC as natively supported on 38 networks as of 16 September 2026. Getting it wrong is a real and permanent way to lose money. So: the coin list is published, the network list is not, and you should send a small test amount before you send a large one.

The fees: deposit fee 2.6% on Virtual and Plastic, 2.4% on Metal, 1.8% on Gold; exchange deposits 0%. The minimum top-up is not stated, and neither is who pays the blockchain network fee — though on-chain gas and bandwidth for your deposit are charged by the blockchain itself, not by the card provider, so that cost is real either way.

Fiat is mentioned, not detailed. The home page mentions local bank transfers and SEPA, with fees not stated. Withdrawal of crypto or bank funds is not stated either, nor is what happens to a remaining balance if you close the account — though the account can be deleted in the app under Profile, Delete Account, or by email. On a card with $3,000-a-day ATM limits and a $100,000 one-tap ceiling, an unstated withdrawal policy is a real gap. Before you load more than you would be annoyed to lose, ask support directly: Telegram, Discord, support tickets, a contact page, [email protected], and X are all listed.

Paying with it every day

This is where TXBFI scores best, and where the card genuinely has something to offer. Four tiers: Virtual, Plastic, Metal, Gold, each a different price and each a different set of limits. Gold adds a VIP Concierge service.

Mobile wallets, and here the pages disagree. The FAQ says the virtual card supports Apple Pay and Google Pay, while physical cards are Google Pay only. A trust badge on the home page, however, advertises both wallets for all tiers. If you are on the physical card and you use an iPhone, that badge is the reason to write in and ask before you spend $300. Blocked merchant categories are not stated — and in this industry that matters, because gambling (MCC 7995) is blocked by many issuers as policy rather than by law, and the blocked list varies by issuer. You cannot tell from the site whether TXBFI blocks it.

Rewards are published and, unusually, generous at the top. BTC cashback: 0.05% Virtual, 0.1% Plastic, 0.2% Metal, 0.4% Gold, uncapped, credited within 24 hours. Brand discounts: 1%, 2%, 4%, and 7–9% across the tiers. Against a 2.6% top-up fee, cashback is not what makes this card worth it. Do not let it fool you into topping up more often than you otherwise would.

The app is a beta on both platforms — iOS through TestFlight, Android through Google Play testing — with “V2 launching soon” and no published store rating. Beta means rough edges: expect layout changes, missing features, and possibly downtime while they fix things. It also means your card experience depends on an app that is not finished.

Storage, according to the FAQ, is non-custodial: “TXBFI does not take custody of your assets or control your private keys”, with assets held by third-party providers. That is a meaningful claim, because control of crypto belongs to whoever holds the private key or seed phrase, and crypto transfers are typically irreversible with no built-in recovery. A seed phrase is typically 12 to 24 words and anyone who obtains it can restore the wallet and spend the funds. Still, non-custodial storage by third parties is a description, not an audit — and two-factor authentication and in-app card freeze, the two safeguards I would most want, are not stated.

Payments themselves run through the ordinary machinery. A card number starts with a six- or eight-digit issuer identification number that merchants can look up to see which institution and country issued it, and may apply extra scrutiny if the issuer country differs from your billing address — which is exactly why a card issued in one country can look foreign to a shop in another. Apple Pay, where supported, replaces the card number with a device-specific number held in the phone’s secure element, not on Apple’s servers, with a one-time dynamic code per payment. Declined authorisations can leave a hold on your funds that persists for several days, typically up to seven.

And the thing I would weigh most heavily before spending anything: no chargeback process is described. There is a Complaints Policy linked from the terms, but its text is not available, and the terms specify Czech law and Czech courts. A chargeback is a refund ordered by the card issuer to settle a dispute, with reason codes such as fraud or duplicate billing. If TXBFI’s issuer has no such process, you have no practical route when a shop takes your money and does not deliver.

What can go wrong

Nothing has gone publicly wrong yet, as far as I can find — and that is either reassuring or meaningless, depending on how old the company is. No official incidents were found. There is no Trustpilot page and no Reddit threads for TXBFI, located in a search for “TXBFI card reviews trustpilot reddit”. No reviews at all can mean a young product, or it can mean nobody has written about it yet. Either way, no reviews means no track record, and you should treat the absence of complaints as absence of evidence rather than evidence of absence.

The bigger exposures are structural.

Who is behind it? The card is run by TheXBanky s.r.o., IČO 21932506, Děčínská 552/1, Střížkov, 180 00 Prague 8, Czech Republic. The site calls TXBFI a technology platform. The card issuer and programme manager are not named — that is the entity you would need in order to make a complaint, and it is not on the page. The FAQ claims a VASP licence and EU/Czech AML compliance, but no licence number is given. The home page displays an “Offshore Banking Sublicense” badge with no details attached. If you want to check a provider yourself, ESMA keeps an interim register of authorised crypto-asset service providers, white papers and non-compliant entities, and that register is where I would look first.

Why that gap matters. A crypto card sits on two licences, not one. The card is a payment service, regulated under e-money and payment-services law; MiCA, the EU’s markets-in-crypto-assets regulation which ESMA says took legal effect in June 2023, covers the crypto side — custody, exchange, transfer. Under MiCA, e-money tokens may be issued only by a credit institution or an electronic money institution. An electronic money institution in the EU can issue e-money, payment cards and e-wallets but cannot lend, and it must safeguard customer funds by segregating them in dedicated accounts or insuring them — funds that are not bank deposits and may not sit under a deposit guarantee scheme. So the questions to ask TXBFI are specific: who is the issuing e-money institution, and under whose MiCA authorisation do you operate as a CASP?

Programmes can be closed. Visa and Mastercard do not issue crypto cards to consumers themselves; they license issuers and can suspend a programme. Visa said in November 2022 that it had terminated its global agreements with FTX, and the FTX US debit card was wound down by its issuer. WaveCrest, a Visa issuer that supplied crypto card brands, was suspended by Visa in Europe in 2018, closing all WaveCrest-issued Visa programmes. Closures follow a pattern: a notice period, then spending and loading stop, then users are asked to withdraw. If you hold a balance, the question about withdrawal terms stops being theoretical.

The app is a beta, and the numbers contradict each other. You would be running your spending through a TestFlight or Google Play testing build, with fees quoted three different ways across the company’s own pages.

Tax is not the bank’s problem and may be yours. The IRS treats digital assets as property, so exchanging them for goods, services, dollars or other digital assets generally produces a taxable gain or loss. For personal or investment holdings the result is a capital gain or loss, short-term if held a year or less, measured in local fiat currency at fair market value on the date of the transaction. Each card payment funded from crypto may therefore be a separate disposal event. That is a general principle, not advice about your situation — check your own obligations with a qualified professional.

What to take instead

I want to be careful here. I am not going to tell you that one of these is safe, because I cannot establish that for any of them either. What I can do is show you the trade-offs side by side, so that your choice is informed.

Read that table for what it is: a field where everyone publishes coins and networks nobody publishes. Not one of these four discloses which networks its deposits run on. That is the industry’s shared blind spot, not TXBFI’s alone, and it is the single thing I would want answered before topping up any of them.

TXBFI’s actual edge over the others is the tier range — four levels from $25 to $10,000 with published cashback, published ATM limits and published one-tap limits, where all three competitors state no fees at all and no rewards at all. The price of that transparency is the $300 entry point and the 2.6% top-up. Cardex offers more networks and a Naira focus; CardFlow is free to create and aimed squarely at Nigeria; HyperCard is a prepaid card in USD or EUR. If your question is “which of these is safest”, I cannot answer it. If your question is “which publishes the most about its own fees”, the answer is TXBFI, by some distance.

Who I would recommend it to

Not to everyone, and not to you on the strength of this page alone. I would recommend it, specifically, to someone in this position: you already hold crypto, you need a Visa and not a bank card, you can pass a liveness check with a photo ID and a proof of address from the last three months, and you have decided you can accept a company whose issuing bank and licence numbers you cannot verify from the public pages. If that is you, start on the Virtual tier at $25, test a small top-up on the network the support team confirms, use it for a few ordinary payments, and only then consider whether paying more buys you anything.

I would not recommend it to you if any of these are true. You need Apple Pay on a physical card — the FAQ says Google Pay only there, whatever the home-page badge suggests. You need chargebacks and the assurance that they work. You cannot find the card’s issuer, so you have no one to complain to. You need to withdraw regularly; withdrawal terms are not stated. You are in a country where you cannot tell whether you are eligible, because the site will not say. Or you simply want a card with published figures behind it — in which case wait, and use something quieter while this one finds its feet.

The card’s real promise, as I read it, is for crypto holders who want a Visa running from virtual to gold. That is a coherent idea and the daily mechanics support it well. What is missing is not product — it is paperwork. Give it another year, a named issuer, a licence number, published networks, a stable fee page, and a live version of the app, and this would be an 8. My 5.8 is not a judgement on the idea. It is the price of the gaps.

Frequently asked questions

What is TXBFI card?

TXBFI is a Visa payment card that spends from a crypto balance rather than from a bank account. The company behind it, TheXBanky s.r.o., is a Prague-based firm that describes TXBFI as a technology platform. Cards come in four tiers — Virtual, Plastic, Metal and Gold — and you top up with BTC, SOL, SUI, XRP, XLM, USDT or USDC. The site also mentions SEPA and local bank transfers, and local currencies for fiat top-up.

Is TXBFI a bank?

Not on the evidence published. The card’s own pages describe TXBFI as a technology platform, run by TheXBanky s.r.o. in the Czech Republic, and they do not name the bank or e-money institution that issues the card or manages the programme. The FAQ claims a VASP licence and EU/Czech AML compliance but gives no licence number. An electronic money institution can issue e-money and payment cards in the EU without being a bank — so the honest answer is that the issuing entity exists somewhere, but its name is not on the page.

Is TXBFI card safe?

I would not call it safe, and I would not call it unsafe either. There are no reported incidents, no Trustpilot page and no Reddit discussion, which means no track record rather than a clean one. The FAQ says TXBFI does not take custody of your assets or control your private keys, with assets held by third-party providers. Against that: no named issuer, no licence number, a beta app, and no chargeback process described. Judge it against the gaps, not the slogan.

Does TXBFI card require KYC?

Yes. You need a government photo ID — passport, national ID or driving licence — plus proof of address dated within the last three months, such as a utility bill or bank statement. There is a biometric liveness check, and the terms describe sanctions, PEP and wallet screening. One account per person is allowed, most accounts are approved within 24 hours, and the minimum age is not stated anywhere on the pages.

How much does TXBFI card cost?

There is no monthly or annual fee — $0 for both. The one-time prices are Virtual $25 as a launch promotion (normally from $200), Plastic $300 (normally from $500), Metal $1,000 and Gold $10,000. Upgrading costs the difference between tiers. Beyond that, top-up is 2.6% on Virtual and Plastic, 2.4% on Metal and 1.8% on Gold, forex is 0.6% per international transaction, and ATM withdrawals cost $2.50 domestic or $3.50 international.

How do I top up the TXBFI card?

You send BTC, SOL, SUI, XRP, XLM, USDT or USDC to the card, and the balance is converted for spending. Exchange deposits are 0%; the tier deposit fee is 2.6%, 2.4% or 1.8% depending on your tier. The critical detail is the network, and it is not published. Blockchain transfers are irreversible, so send a small test amount and confirm the supported network with support before sending anything large. Minimum top-up is not stated.

Can I add TXBFI card to Apple Wallet?

According to the FAQ, the virtual card supports both Apple Pay and Google Pay, while physical cards are Google Pay only. A badge on the home page, however, advertises both wallets for all tiers, so the pages conflict. If you are buying a physical card and use an iPhone, ask support which is right before you pay. Apple Pay, where it works, stores a device-specific number in the phone’s secure element with a one-time code per payment.

Is TXBFI card free?

Free in the way that matters most: there is no monthly or annual subscription. The Virtual tier is $25 as a launch promotion, normally from $200, and Plastic is $300 as a promotion, normally from $500. But “free” is the wrong word overall, because every top-up is charged — 2.6% on Virtual and Plastic — and that fee is applied before you spend anything. On small regular loads it is a real drag; the FAQ’s own figures do not agree with a “2.7%” heading or a “3%” header elsewhere on the site.

Where can I use the TXBFI card?

Anywhere Visa is accepted, subject to two practical warnings. Merchants can look up the six- or eight-digit issuer number at the start of your card number and see which institution and country issued it, and some decline prepaid or foreign cards, particularly when the issuer country differs from your billing address — which can also trigger extra online checks. The virtual card has no ATM access at all; Plastic allows $1,000 a day, Metal $1,500 and Gold $3,000. Single-tap limits are $15,000 on Virtual and Plastic, $40,000 on Metal and $100,000 on Gold.

How do I withdraw money and delete my account?

The pages do not say, and that is worth knowing before you load funds. Withdrawal of crypto or bank funds is not described, and what happens to a remaining balance when an account closes is not stated. You can delete the account in the app under Profile, Delete Account, or by email. Support is reachable on Telegram, Discord, through support tickets, on the contact page, at [email protected], and on X — ask about withdrawal terms there before you load more than you would mind losing.

Content created by the «cryptocardtested» team