Based Card review: fees, limits and countries (October 2026)

Review

What it is

Based Card is a crypto card that comes as a virtual and a physical card. It is a debit card. Payments run on the Visa network.

Funding and spending

It is funded with crypto. You can top it up by crypto. It can be funded with 6 assets: USDC, USDT, BASED, HYPE, SOL and XSGD.

Fees

It has no card issuance fee. It has no annual fee. The FX markup is 0% to 2.5%, depending on tier. The crypto conversion spread is 1%. It has no top-up fee. Some of these fees have conditions, which are listed in the fees table on this page. We have not verified the monthly fee and ATM withdrawal fee yet.

Limits and rewards

The issuer says you cannot withdraw cash at ATMs. Daily spending limit: SGD 3,000. Every reward rate needs staking, up to 4% back. It works with Apple Pay and Google Pay.

Signing up

Signing up needs full KYC: a government ID document, and sometimes a selfie. You can apply in 155 countries. That includes 45 in Europe, 31 in North America and 25 in Africa. You cannot apply in 92 countries, including the United States, Canada and Australia.

How we check

We last checked this card on 15 Oct 2026, against 8 official issuer pages. The tables below show the source and the check date of every value we have verified. Facts not listed here are unknown so far.

Tiers compared

Fees, limits and the reward rate for each tier. A cell that says Not verified has no checked figure yet.
Fee or limit	Based Gold	Based Orange	HYPE
FX markup	0%	2.5%	1.5%
Daily spend	Not verified	SGD 3,000	SGD 3,000
Back on card spend	4%	Not verified	2%

Fees, limits and the reward rate for each tier. A cell that says Not verified has no checked figure yet.

Pros and cons of Based Card

Pros

No annual fee
No card issuance fee
You can apply in 155 countries
Top up with 6 different crypto assets
Works with Apple Pay and Google Pay
Comes as a virtual and a physical card

Cons

Rewards need staking
3 of 11 key facts are not verified yet

Built only from facts we have verified. Anything we have not verified is left out.

Fees

Amounts in the card currency, as the issuer publishes them

Card issuance

Free

No signup fee for card tiers. Physical card shipping is separate and may be charged by tier.

Checked 04 Oct 2026agingsource

Annual fee

Free

Checked 03 Oct 2026agingsource

Foreign currency (FX)

?

Charged on payments in a currency other than the card currency.

Unknown

Crypto conversion spread

?

Charged when crypto is converted into the card currency.

1%

Smart Convert applies when the card balance asset falls below the transaction amount. Spending stablecoins (USDT, USDC, XSGD) has no conversion fee.

Checked 03 Oct 2026agingsource

ATM withdrawal

Unknown

Top-up

Free

Checked 03 Oct 2026agingsource

Inactivity

USD 5

Charged per month after the card has been inactive for 6 months, until the deposit reaches $0, when the card is terminated.

Checked 03 Oct 2026agingsource

Card replacement

Varies

Applies to a card replacement, for example after cancelling and changing your mind, or after a lost or stolen card; amount not stated

Verified 22 Oct 2026source

FX markup

?

A margin added on top of the exchange rate when a payment is converted.

Tier: Based Gold

0%

Markup above Visa's exchange rates.

Checked 02 Oct 2026agingsource

FX markup

?

A margin added on top of the exchange rate when a payment is converted.

Tier: HYPE

1.5%

Markup above Visa's exchange rates.

Checked 02 Oct 2026agingsource

FX markup

?

A margin added on top of the exchange rate when a payment is converted.

Tier: Based Orange

2.5%

Markup above Visa's exchange rates.

Checked 02 Oct 2026agingsource

Limits

Daily spendTier: Based Orange

SGD 3,000

Checked 03 Oct 2026agingsource

Daily spendTier: HYPE

SGD 3,000

Checked 03 Oct 2026agingsource

Monthly spend

Unknown

ATM per day

Unknown

Top-up per day

Unknown

Minimum top-up

USD 10

Checked 03 Oct 2026agingsource

Rewards

No country limit

Needs token staking

Paid in BASED

Tier HYPEBack on card spend

2%

Cap USD 20/month · Token: BASED · Requires 10,000 $BASED locked for 21 days. Paid monthly in $BASED. Minimum $5 cashback per cycle. Rewards stop once unstaking starts.

Checked 02 Oct 2026agingsource

Tier Based GoldBack on card spend

4%

Cap USD 100/month · Token: BASED · Requires 100,000 $BASED locked for 21 days. Paid monthly in $BASED. Minimum $5 cashback per cycle. Rewards stop once unstaking starts.

Checked 02 Oct 2026agingsource

Top-up assets and networks

BASEDNetwork not stated
Checked 02 Oct 2026agingsource
HYPENetwork not stated
Checked 02 Oct 2026agingsource
SOLNetwork not stated
Checked 02 Oct 2026agingsource
USDCNetwork not stated
Checked 02 Oct 2026agingsource
USDTNetwork not stated
Checked 02 Oct 2026agingsource
XSGDNetwork not stated
Checked 02 Oct 2026agingsource

Access and funding

Identity check (KYC)

Full

A government ID document and/or a selfie.

Checked 07 Oct 2026agingsource

ATM withdrawals

No

The issuer says the card cannot be used to withdraw cash.

Checked 07 Oct 2026agingsource

Reloadable

Not verified

Top-up methods

Crypto

The ways you can add money to the card.

Checked 07 Oct 2026agingsource

Where it's available

Applying, shipping and using the card are tracked separately. A card can work in a country that it doesn't ship to.

Rules the issuer states

Based Visa cards are available worldwide except in the following countries (Effective 01 August 2026):Checked 02 Oct 2026agingsource

Every country below was checked against the same source:Checked 02 Oct 2026agingsource

Country

Can apply

Physical card ships

Card works

🇦🇫 AfghanistanOn the issuer's list of excluded countries

No

Unknown

🇦🇽 Åland Islands

Yes

Unknown

🇦🇱 AlbaniaOn the issuer's list of excluded countries

No

Unknown

🇩🇿 AlgeriaOn the issuer's list of excluded countries

No

Unknown

🇦🇸 American Samoa

Yes

Unknown

🇦🇩 Andorra

Yes

Unknown

🇦🇴 Angola

Yes

Unknown

🇦🇮 Anguilla

Yes

Unknown

🇦🇬 Antigua & Barbuda

Yes

Unknown

🇦🇷 Argentina

Yes

Unknown

🇦🇲 Armenia

Yes

Unknown

🇦🇼 Aruba

Yes

Unknown

🇦🇨 Ascension Island

Yes

Unknown

🇦🇺 AustraliaOn the issuer's list of excluded countries

No

Unknown

🇦🇹 Austria

Yes

Unknown

🇦🇿 Azerbaijan

Yes

Unknown

🇧🇸 Bahamas

Yes

Unknown

🇧🇭 Bahrain

Yes

Unknown

🇧🇩 BangladeshOn the issuer's list of excluded countries

No

Unknown

🇧🇧 BarbadosOn the issuer's list of excluded countries

No

Unknown

🇧🇾 BelarusOn the issuer's list of excluded countries

No

Unknown

🇧🇪 Belgium

Yes

Unknown

🇧🇿 Belize

Yes

Unknown

🇧🇯 Benin

Yes

Unknown

🇧🇲 Bermuda

Yes

Unknown

🇧🇹 BhutanOn the issuer's list of excluded countries

No

Unknown

🇧🇴 Bolivia

Yes

Unknown

🇧🇦 Bosnia & HerzegovinaOn the issuer's list of excluded countries

No

Unknown

🇧🇼 BotswanaOn the issuer's list of excluded countries

No

Unknown

🇧🇷 Brazil

Yes

Unknown

🇮🇴 British Indian Ocean Territory

Yes

Unknown

🇻🇬 British Virgin Islands

Yes

Unknown

🇧🇳 Brunei

Yes

Unknown

🇧🇬 Bulgaria

Yes

Unknown

🇧🇫 Burkina FasoOn the issuer's list of excluded countries

No

Unknown

🇧🇮 BurundiOn the issuer's list of excluded countries

No

Unknown

🇰🇭 CambodiaOn the issuer's list of excluded countries

No

Unknown

🇨🇲 CameroonOn the issuer's list of excluded countries

No

Unknown

🇨🇦 CanadaOn the issuer's list of excluded countries

No

Unknown

🇨🇻 Cape Verde

Yes

Unknown

🇧🇶 Caribbean Netherlands

Yes

Unknown

🇰🇾 Cayman Islands

Yes

Unknown

🇨🇫 Central African RepublicOn the issuer's list of excluded countries

No

Unknown

🇹🇩 Chad

Yes

Unknown

🇨🇱 ChileOn the issuer's list of excluded countries

No

Unknown

🇨🇳 ChinaOn the issuer's list of excluded countries

No

Unknown

🇨🇽 Christmas Island

Yes

Unknown

🇨🇨 Cocos (Keeling) Islands

Yes

Unknown

🇨🇴 Colombia

Yes

Unknown

🇰🇲 Comoros

Yes

Unknown

🇨🇰 Cook Islands

Yes

Unknown

🇨🇷 Costa Rica

Yes

Unknown

🇨🇮 Côte d’Ivoire

Yes

Unknown

🇭🇷 Croatia

Yes

Unknown

🇨🇺 CubaOn the issuer's list of excluded countries

No

Unknown

🇨🇼 Curaçao

Yes

Unknown

🇨🇾 Cyprus

Yes

Unknown

🇨🇿 Czechia

Yes

Unknown

🇩🇰 Denmark

Yes

Unknown

🇩🇯 Djibouti

Yes

Unknown

🇩🇲 Dominica

Yes

Unknown

🇩🇴 Dominican Republic

Yes

Unknown

🇨🇩 DR CongoOn the issuer's list of excluded countries

No

Unknown

🇪🇨 EcuadorOn the issuer's list of excluded countries

No

Unknown

🇪🇬 EgyptOn the issuer's list of excluded countries

No

Unknown

🇸🇻 El Salvador

Yes

Unknown

🇬🇶 Equatorial GuineaOn the issuer's list of excluded countries

No

Unknown

🇪🇷 EritreaOn the issuer's list of excluded countries

No

Unknown

🇪🇪 Estonia

Yes

Unknown

🇸🇿 Eswatini

Yes

Unknown

🇪🇹 EthiopiaOn the issuer's list of excluded countries

No

Unknown

🇫🇰 Falkland Islands

Yes

Unknown

🇫🇴 Faroe Islands

Yes

Unknown

🇫🇯 Fiji

Yes

Unknown

🇫🇮 Finland

Yes

Unknown

🇫🇷 France

Yes

Unknown

🇬🇫 French Guiana

Yes

Unknown

🇵🇫 French Polynesia

Yes

Unknown

🇬🇦 Gabon

Yes

Unknown

🇬🇲 GambiaOn the issuer's list of excluded countries

No

Unknown

🇬🇪 Georgia

Yes

Unknown

🇩🇪 Germany

Yes

Unknown

🇬🇭 Ghana

Yes

Unknown

🇬🇮 Gibraltar

Yes

Unknown

🇬🇷 Greece

Yes

Unknown

🇬🇱 Greenland

Yes

Unknown

🇬🇩 GrenadaOn the issuer's list of excluded countries

No

Unknown

🇬🇵 Guadeloupe

Yes

Unknown

🇬🇺 Guam

Yes

Unknown

🇬🇹 Guatemala

Yes

Unknown

🇬🇬 Guernsey

Yes

Unknown

🇬🇳 GuineaOn the issuer's list of excluded countries

No

Unknown

🇬🇼 Guinea-BissauOn the issuer's list of excluded countries

No

Unknown

🇬🇾 Guyana

Yes

Unknown

🇭🇹 HaitiOn the issuer's list of excluded countries

No

Unknown

🇭🇳 Honduras

Yes

Unknown

🇭🇰 Hong KongOn the issuer's list of excluded countries

No

Unknown

🇭🇺 Hungary

Yes

Unknown

🇮🇸 Iceland

Yes

Unknown

🇮🇳 IndiaOn the issuer's list of excluded countries

No

Unknown

🇮🇩 IndonesiaOn the issuer's list of excluded countries

No

Unknown

🇮🇷 IranOn the issuer's list of excluded countries

No

Unknown

🇮🇶 IraqOn the issuer's list of excluded countries

No

Unknown

🇮🇪 Ireland

Yes

Unknown

🇮🇲 Isle of Man

Yes

Unknown

🇮🇱 IsraelOn the issuer's list of excluded countries

No

Unknown

🇮🇹 Italy

Yes

Unknown

🇯🇲 JamaicaOn the issuer's list of excluded countries

No

Unknown

🇯🇵 Japan

Yes

Unknown

🇯🇪 Jersey

Yes

Unknown

🇯🇴 JordanOn the issuer's list of excluded countries

No

Unknown

🇰🇿 Kazakhstan

Yes

Unknown

🇰🇪 KenyaOn the issuer's list of excluded countries

No

Unknown

🇰🇮 Kiribati

Yes

Unknown

🇽🇰 KosovoOn the issuer's list of excluded countries

No

Unknown

🇰🇼 Kuwait

Yes

Unknown

🇰🇬 Kyrgyzstan

Yes

Unknown

🇱🇦 Laos

Yes

Unknown

🇱🇻 Latvia

Yes

Unknown

🇱🇧 LebanonOn the issuer's list of excluded countries

No

Unknown

🇱🇸 Lesotho

Yes

Unknown

🇱🇷 LiberiaOn the issuer's list of excluded countries

No

Unknown

🇱🇾 LibyaOn the issuer's list of excluded countries

No

Unknown

🇱🇮 Liechtenstein

Yes

Unknown

🇱🇹 Lithuania

Yes

Unknown

🇱🇺 Luxembourg

Yes

Unknown

🇲🇴 MacaoOn the issuer's list of excluded countries

No

Unknown

🇲🇬 MadagascarOn the issuer's list of excluded countries

No

Unknown

🇲🇼 Malawi

Yes

Unknown

🇲🇾 Malaysia

Yes

Unknown

🇲🇻 MaldivesOn the issuer's list of excluded countries

No

Unknown

🇲🇱 MaliOn the issuer's list of excluded countries

No

Unknown

🇲🇹 Malta

Yes

Unknown

🇲🇭 Marshall Islands

Yes

Unknown

🇲🇶 Martinique

Yes

Unknown

🇲🇷 Mauritania

Yes

Unknown

🇲🇺 Mauritius

Yes

Unknown

🇾🇹 Mayotte

Yes

Unknown

🇲🇽 Mexico

Yes

Unknown

🇫🇲 Micronesia

Yes

Unknown

🇲🇩 Moldova

Yes

Unknown

🇲🇨 Monaco

Yes

Unknown

🇲🇳 Mongolia

Yes

Unknown

🇲🇪 Montenegro

Yes

Unknown

🇲🇸 Montserrat

Yes

Unknown

🇲🇦 MoroccoOn the issuer's list of excluded countries

No

Unknown

🇲🇿 MozambiqueOn the issuer's list of excluded countries

No

Unknown

🇲🇲 Myanmar (Burma)On the issuer's list of excluded countries

No

Unknown

🇳🇦 Namibia

Yes

Unknown

🇳🇷 Nauru

Yes

Unknown

🇳🇵 NepalOn the issuer's list of excluded countries

No

Unknown

🇳🇱 Netherlands

Yes

Unknown

🇳🇨 New Caledonia

Yes

Unknown

🇳🇿 New ZealandOn the issuer's list of excluded countries

No

Unknown

🇳🇮 NicaraguaOn the issuer's list of excluded countries

No

Unknown

🇳🇪 NigerOn the issuer's list of excluded countries

No

Unknown

🇳🇬 NigeriaOn the issuer's list of excluded countries

No

Unknown

🇳🇺 Niue

Yes

Unknown

🇳🇫 Norfolk Island

Yes

Unknown

🇰🇵 North KoreaOn the issuer's list of excluded countries

No

Unknown

🇲🇰 North MacedoniaOn the issuer's list of excluded countries

No

Unknown

🇲🇵 Northern Mariana Islands

Yes

Unknown

🇳🇴 Norway

Yes

Unknown

🇴🇲 OmanOn the issuer's list of excluded countries

No

Unknown

🇵🇰 PakistanOn the issuer's list of excluded countries

No

Unknown

🇵🇼 Palau

Yes

Unknown

🇵🇸 PalestineOn the issuer's list of excluded countries

No

Unknown

🇵🇦 Panama

Yes

Unknown

🇵🇬 Papua New GuineaOn the issuer's list of excluded countries

No

Unknown

🇵🇾 Paraguay

Yes

Unknown

🇵🇪 Peru

Yes

Unknown

🇵🇭 Philippines

Yes

Unknown

🇵🇳 Pitcairn Islands

Yes

Unknown

🇵🇱 Poland

Yes

Unknown

🇵🇹 Portugal

Yes

Unknown

🇵🇷 Puerto Rico

Yes

Unknown

🇶🇦 Qatar

Yes

Unknown

🇨🇬 Republic of the Congo

Yes

Unknown

🇷🇪 Réunion

Yes

Unknown

🇷🇴 Romania

Yes

Unknown

🇷🇺 RussiaOn the issuer's list of excluded countries

No

Unknown

🇷🇼 Rwanda

Yes

Unknown

🇼🇸 Samoa

Yes

Unknown

🇸🇲 San Marino

Yes

Unknown

🇸🇹 São Tomé & Príncipe

Yes

Unknown

🇸🇦 Saudi ArabiaOn the issuer's list of excluded countries

No

Unknown

🇸🇳 SenegalOn the issuer's list of excluded countries

No

Unknown

🇷🇸 Serbia

Yes

Unknown

🇸🇨 SeychellesOn the issuer's list of excluded countries

No

Unknown

🇸🇱 Sierra Leone

Yes

Unknown

🇸🇬 SingaporeOn the issuer's list of excluded countries

No

Unknown

🇸🇽 Sint Maarten

Yes

Unknown

🇸🇰 Slovakia

Yes

Unknown

🇸🇮 SloveniaOn the issuer's list of excluded countries

No

Unknown

🇸🇧 Solomon IslandsOn the issuer's list of excluded countries

No

Unknown

🇸🇴 SomaliaOn the issuer's list of excluded countries

No

Unknown

🇿🇦 South AfricaOn the issuer's list of excluded countries

No

Unknown

🇰🇷 South Korea

Yes

Unknown

🇸🇸 South SudanOn the issuer's list of excluded countries

No

Unknown

🇪🇸 Spain

Yes

Unknown

🇱🇰 Sri LankaOn the issuer's list of excluded countries

No

Unknown

🇧🇱 St Barthélemy

Yes

Unknown

🇸🇭 St Helena

Yes

Unknown

🇰🇳 St Kitts & Nevis

Yes

Unknown

🇱🇨 St Lucia

Yes

Unknown

🇲🇫 St Martin

Yes

Unknown

🇵🇲 St Pierre & Miquelon

Yes

Unknown

🇻🇨 St Vincent & the Grenadines

Yes

Unknown

🇸🇩 SudanOn the issuer's list of excluded countries

No

Unknown

🇸🇷 SurinameOn the issuer's list of excluded countries

No

Unknown

🇸🇯 Svalbard & Jan Mayen

Yes

Unknown

🇸🇪 Sweden

Yes

Unknown

🇨🇭 Switzerland

Yes

Unknown

🇸🇾 SyriaOn the issuer's list of excluded countries

No

Unknown

🇹🇼 TaiwanOn the issuer's list of excluded countries

No

Unknown

🇹🇯 Tajikistan

Yes

Unknown

🇹🇿 TanzaniaOn the issuer's list of excluded countries

No

Unknown

🇹🇭 Thailand

Yes

Unknown

🇹🇱 Timor-Leste

Yes

Unknown

🇹🇬 TogoOn the issuer's list of excluded countries

No

Unknown

🇹🇰 Tokelau

Yes

Unknown

🇹🇴 TongaOn the issuer's list of excluded countries

No

Unknown

🇹🇹 Trinidad & TobagoOn the issuer's list of excluded countries

No

Unknown

🇹🇦 Tristan da Cunha

Yes

Unknown

🇹🇳 TunisiaOn the issuer's list of excluded countries

No

Unknown

🇹🇷 TürkiyeOn the issuer's list of excluded countries

No

Unknown

🇹🇲 Turkmenistan

Yes

Unknown

🇹🇨 Turks & Caicos IslandsOn the issuer's list of excluded countries

No

Unknown

🇹🇻 Tuvalu

Yes

Unknown

🇺🇬 UgandaOn the issuer's list of excluded countries

No

Unknown

🇺🇦 UkraineOn the issuer's list of excluded countries

No

Unknown

🇦🇪 United Arab Emirates

Yes

Unknown

🇬🇧 United Kingdom

Yes

Unknown

🇺🇸 United StatesOn the issuer's list of excluded countries

No

Unknown

🇺🇾 Uruguay

Yes

Unknown

🇺🇲 US Outlying Islands

Yes

Unknown

🇻🇮 US Virgin Islands

Yes

Unknown

🇺🇿 Uzbekistan

Yes

Unknown

🇻🇺 VanuatuOn the issuer's list of excluded countries

No

Unknown

🇻🇦 Vatican City

Yes

Unknown

🇻🇪 VenezuelaOn the issuer's list of excluded countries

No

Unknown

🇻🇳 VietnamOn the issuer's list of excluded countries

No

Unknown

🇼🇫 Wallis & Futuna

Yes

Unknown

🇪🇭 Western SaharaOn the issuer's list of excluded countries

No

Unknown

🇾🇪 YemenOn the issuer's list of excluded countries

No

Unknown

🇿🇲 Zambia

Yes

Unknown

🇿🇼 ZimbabweOn the issuer's list of excluded countries

No

Unknown

Frequently asked questions about Based Card

Is Based Card a virtual or a physical card?

Based Card comes as both a virtual and a physical card.

Can I withdraw cash from an ATM with Based Card?

No. The issuer says you cannot withdraw cash at ATMs.

Does Based Card require KYC?

Signing up needs full KYC: a government ID document, and sometimes a selfie.

How do I top up Based Card?

You can top it up by crypto. Based Card has no top-up fee.

Does Based Card work with Apple Pay and Google Pay?

It works with Apple Pay and Google Pay.

Which crypto can I use with Based Card?

It can be funded with 6 assets: USDC, USDT, BASED, HYPE, SOL and XSGD.

Does Based Card have an annual fee?

No. Based Card has no annual fee.

What does Based Card charge on payments in a foreign currency?

The FX markup is 0% to 2.5%, depending on tier. The conditions are listed in the fees table on this page.

What are the spending and ATM limits of Based Card?

Daily spending limit: SGD 3,000.

In which countries can I apply for Based Card?

You can apply in 155 countries. That includes 45 in Europe, 31 in North America and 25 in Africa. You cannot apply in 92 countries, including the United States, Canada and Australia.

Sources

Fees pageCard benefits and feesbasedapp.gitbook.ioChecked 03 Oct 2026
Supported countriesCard typesbasedapp.gitbook.ioChecked 07 Oct 2026
Rewards termsCashbased.one
Cardholder termsCard termsbased.oneChecked 02 Oct 2026
Other official pageCard basicsbasedapp.gitbook.ioChecked 15 Oct 2026
Other official pagebasedapp.gitbook.io/docs/guides-and-faq/faqChecked 15 Oct 2026
Fees pageFee schedulebasedapp.gitbook.ioChecked 04 Oct 2026
Other official pageCard securitybasedapp.gitbook.ioChecked 15 Oct 2026
Other official pageTop up and spendbasedapp.gitbook.ioChecked 07 Oct 2026

Based Card

Review

What it is

Funding and spending

Fees

Limits and rewards

Signing up

How we check

Tiers compared

Pros and cons of Based Card

Pros

Cons

Fees

Limits

Rewards

Top-up assets and networks

Access and funding

Where it's available

Rules the issuer states

Frequently asked questions about Based Card

Is Based Card a virtual or a physical card?

Can I withdraw cash from an ATM with Based Card?

Does Based Card require KYC?

How do I top up Based Card?

Does Based Card work with Apple Pay and Google Pay?

Which crypto can I use with Based Card?

Does Based Card have an annual fee?

What does Based Card charge on payments in a foreign currency?

What are the spending and ATM limits of Based Card?

In which countries can I apply for Based Card?

Sources

Compare Based Card with