Keytom Card

Keytom offers both virtual and physical cards, running on the Visa scheme. Because the card uses a credit BIN, it works smoothly where a credit card is expected, like hotels and car rentals (it is not a loan, it simply spends from your balance). Availability can depend on your region: card issuance, physical card delivery, and card payments may be limited or unavailable in some jurisdictions.

It is not a loan, you are spending your own balance. It just carries a credit BIN, so it works nicely with hotels, car rentals, and anywhere that prefers a credit card.

You can add your virtual card to Google Pay or PayPal, and physical cards support contactless. Apple Pay is not available yet.

Yes, you can use the card on its own, no EUR IBAN required.

Everything is in your dashboard, freezing, details, and settings, all in one place.

The card is in USD and cannot be switched, but no need to worry, it automatically converts to the local currency wherever you pay.

Up to two: one virtual and one physical.

Here is the full breakdown, no surprises. Virtual card: free to open, $10/month for maintenance, payments 1% in USD or 2.35% in other currencies (min $0.66). ATM withdrawals 2% in USD or 3.35% in other currencies (min $0.66). Physical card: $50 delivery (about 14 days), $10/month for maintenance, same payment and ATM fees. With both cards active, the monthly fee is $20.

Keytom Cards are designed for high-value payments. The standard soft limit is around $150,000 per transaction, with no fixed cap on the number of transactions or monthly card spend.

ATM withdrawals are available up to 3 withdrawals per day and 30 withdrawals per month, with a $3,000 daily and $10,000 monthly cash withdrawal limit. The yearly ATM withdrawal limit is $100,000.

Pretty much anywhere Visa is accepted, luxury boutiques, hotels, car rentals, groceries, restaurants, and online, in almost any country.

Topping up is easy. Your card spends from your USDC balance, so you can add funds by card via Visa Direct, top up USDC directly, or convert euros or crypto you already hold into USDC.

Yes, you can use it for subscriptions like Netflix. A few merchants set their own restrictions, which is out of our hands, but most work fine.

Up to 5 years, for both virtual and physical cards.

The $10 monthly fee is only charged while your card has enough balance to cover it. If there is not enough, the card simply stays frozen until you top it up, so an unused card never builds up a negative balance or debt.

No, cards do not have a SWIFT code, that is only for bank transfers.

Just enter your card details at checkout, or use Google Pay for online and in-person payments. Some shops add a 3DS security check, in which case you will get a one-time code (OTP) by SMS to confirm it is you.

Your CVV is the 3-digit code on the back of your card. Keep it private, never share your card number, expiry date, or CVV with anyone.

We base crypto-to-USD rates on the weighted average of the top 5 global exchanges, so your rate always tracks the real market.

Only if the ATM supports Contactless payment systems. For regular ATM withdrawals, you will need the physical Keytom card.

Yes, with your physical card at ATMs on the major networks. Some ATMs add their own fee, set by the operator, not by us.

Do not worry if an ATM shows a zero balance, Keytom cards just do not display it there. You can still withdraw as normal.

Small differences can happen because exchange rates move between when a payment is authorised and when it settles. If it settles higher, the difference is taken; if lower, it comes back to you.

When you pay by card, the amount is first held as "pending" while the payment settles, which is a normal part of how card payments work. It stays pending until the merchant confirms the final operation (a charge, cancellation, or refund) through their bank, and then the status updates automatically.

The timing depends on the merchant, not on us: most payments clear within 1 to 3 business days, though some categories like hotels, car rentals, airlines, and subscriptions can take up to 30 days. If no confirmation comes in, the hold is released automatically once the card scheme's window ends.

If a declined payment still shows a charge, it is usually just a status that has not updated yet. Give it one business day to clear.

Hotels, car rentals, and gas stations often place a temporary hold that is a bit higher than the final bill. It adjusts once the payment settles, and any difference comes back to you (refunds usually take 2 to 15 days).

If a charge was not from Keytom but from another platform, reach out to that merchant for a refund. Once they send it back, we pass it straight to you.

Refunds start with the merchant: they send it back, we receive it, and we credit your account. It usually takes 2 to 15 days, sometimes a little longer.

When you pay with your card, a payment fee is added to the purchase: 1% for USD payments or 2.35% for payments in other currencies, with a $0.66 minimum fee applied in all cases.

If the transaction is refunded, the refund usually covers the original purchase amount, but not the payment fee that was charged at the time of purchase. This means the amount returned to your account may be slightly lower than the total amount originally debited.

No extra refund fee is charged. The difference comes only from the original payment fee.

Cards usually work right after you create them. If a service like PayPal or Amazon gives you trouble, wait a couple hours and try again, and if it sticks, we are here to help.

Some platforms block cards for in-game purchases, this is a platform-level limitation, not ours. A few categories (like fuel pumps, gambling, and a few others) are not supported either. If you hit an unexpected decline, just ask us.

First, make sure your SIM card is activated. It can also be a carrier delay or a wrong number on file. If it continues, message us and we will sort it out.

To cancel a subscription, do it on the merchant's site or with their support, since it is an agreement between you and them. We are not able to cancel it for you.