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Exa Card

Issued via Third National · Card currency USD

Custody
Self-custody
Network
Visa
Card types
Virtual only
Card product
Secured by crypto
Wallets
Apple Pay, Google Pay

Spending is backed by crypto you lock as collateral. No credit check, no interest.

Partly verified · 4 of 13 key facts · last checked 15 Oct 2026 · aging

Facts reviewed by

Review

What it is

Exa Card is a virtual crypto card. Spending is backed by crypto you lock as collateral. No credit check, no interest. It is issued by Third National. Payments run on the Visa network. The card currency is USD.

Funding and spending

You keep your keys, and the card spends from your own wallet. It is funded with crypto.

Fees

The foreign currency fee is 1.5%. Some of these fees have conditions, which are listed in the fees table on this page. We have not verified the card issuance fee, annual fee, monthly fee, crypto conversion spread, top-up fee and ATM withdrawal fee yet.

Limits and rewards

It works with Apple Pay and Google Pay.

Signing up

You can apply in Nigeria. You cannot apply in 18 countries, including China and India. Where the issuer states who can apply, you need to be a resident of the country.

How we check

We last checked this card on 15 Oct 2026, against 5 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.

Pros and cons of Exa Card

Pros

  • Self-custody: you keep control of your funds
  • Works with Apple Pay and Google Pay

Cons

  • So far we have verified it in Nigeria only
  • 9 of 13 key facts are not verified yet

Who it suits

  • People who want to keep control of their own keys

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
Virtual card issuance
Unknown
Annual fee
Unknown
Monthly fee
Unknown
Foreign currency (FX)
?
Charged on payments in a currency other than the card currency.
1.5%
Transactions in a currency other than USD; included in the currency rate. Card terms say up to 1.5%.
Checked 02 Oct 2026agingsource
Crypto conversion spread
?
Charged when crypto is converted into the card currency.
Unknown
ATM withdrawal
Unknown
Top-up
Unknown
Inactivity
Unknown
Card replacement
Unknown
Credit interest (APR)
0%
Currently 0% interest on all purchases. The issuer and Exa Labs reserve the right to introduce interest for new purchases in the future.
Checked 06 Oct 2026agingsource

Limits

Daily spend
Unknown
Monthly spend
Unknown
ATM per day
Unknown
Top-up per day
Unknown

Rewards

Back on card spend
Unknown

We don't know the rewards for this card yet. We never assume a card has none.

Top-up assets and networks

UnknownWe don't know yet which assets and networks this card accepts.

Access and funding

Identity check (KYC)
Not verified
ATM withdrawals
Not verified
Reloadable
Not verified
Top-up methods
Not verified

Where it's available

Applying for the card and using it are tracked separately.

Virtual card only: nothing is shipped.

Rules the issuer states

  • You can use your Exa Card anywhere in the world, except in the following countries: - Cuba - Iran - North Korea - Russia - Syria - Ukraine - VenezuelaChecked 02 Oct 2026agingsource

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

Country
Can apply
Card works
🇦🇫 Afghanistan
Unknown
Yes
🇦🇽 Åland Islands
Unknown
Yes
🇦🇱 Albania
Unknown
Yes
🇩🇿 Algeria
Unknown
Yes
🇦🇸 American Samoa
Unknown
Yes
🇦🇩 Andorra
Unknown
Yes
🇦🇴 Angola
Unknown
Yes
🇦🇮 Anguilla
Unknown
Yes
🇦🇬 Antigua & Barbuda
Unknown
Yes
🇦🇷 Argentina
Unknown
Yes
🇦🇲 Armenia
Unknown
Yes
🇦🇼 Aruba
Unknown
Yes
🇦🇨 Ascension Island
Unknown
Yes
🇦🇺 Australia
Unknown
Yes
🇦🇹 Austria
Unknown
Yes
🇦🇿 Azerbaijan
Unknown
Yes
🇧🇸 Bahamas
Unknown
Yes
🇧🇭 Bahrain
Unknown
Yes
🇧🇩 Bangladesh
No
Unknown
🇧🇧 Barbados
Unknown
Yes
🇧🇾 Belarus
No
Unknown
🇧🇪 Belgium
Unknown
Yes
🇧🇿 Belize
Unknown
Yes
🇧🇯 Benin
Unknown
Yes
🇧🇲 Bermuda
Unknown
Yes
🇧🇹 Bhutan
Unknown
Yes
🇧🇴 Bolivia
Unknown
Yes
🇧🇦 Bosnia & Herzegovina
Unknown
Yes
🇧🇼 Botswana
Unknown
Yes
🇧🇷 Brazil
Unknown
Yes
🇮🇴 British Indian Ocean Territory
Unknown
Yes
🇻🇬 British Virgin Islands
Unknown
Yes
🇧🇳 Brunei
Unknown
Yes
🇧🇬 Bulgaria
Unknown
Yes
🇧🇫 Burkina Faso
Unknown
Yes
🇧🇮 Burundi
Unknown
Yes
🇰🇭 Cambodia
Unknown
Yes
🇨🇲 Cameroon
Unknown
Yes
🇨🇦 Canada
Unknown
Yes
🇨🇻 Cape Verde
Unknown
Yes
🇧🇶 Caribbean Netherlands
Unknown
Yes
🇰🇾 Cayman Islands
Unknown
Yes
🇨🇫 Central African Republic
Unknown
Yes
🇹🇩 Chad
Unknown
Yes
🇨🇱 Chile
Unknown
Yes
🇨🇳 ChinaMainland China
No
Unknown
🇨🇽 Christmas Island
Unknown
Yes
🇨🇨 Cocos (Keeling) Islands
Unknown
Yes
🇨🇴 Colombia
Unknown
Yes
🇰🇲 Comoros
Unknown
Yes
🇨🇰 Cook Islands
Unknown
Yes
🇨🇷 Costa Rica
Unknown
Yes
🇨🇮 Côte d’Ivoire
Unknown
Yes
🇭🇷 Croatia
Unknown
Yes
🇨🇺 Cuba
No
Unknown
🇨🇼 Curaçao
Unknown
Yes
🇨🇾 Cyprus
Unknown
Yes
🇨🇿 Czechia
Unknown
Yes
🇩🇰 Denmark
Unknown
Yes
🇩🇯 Djibouti
Unknown
Yes
🇩🇲 Dominica
Unknown
Yes
🇩🇴 Dominican Republic
Unknown
Yes
🇨🇩 DR Congo
Unknown
Yes
🇪🇨 Ecuador
Unknown
Yes
🇪🇬 Egypt
Unknown
Yes
🇸🇻 El Salvador
Unknown
Yes
🇬🇶 Equatorial Guinea
Unknown
Yes
🇪🇷 Eritrea
Unknown
Yes
🇪🇪 Estonia
Unknown
Yes
🇸🇿 Eswatini
Unknown
Yes
🇪🇹 Ethiopia
Unknown
Yes
🇫🇰 Falkland Islands
Unknown
Yes
🇫🇴 Faroe Islands
Unknown
Yes
🇫🇯 Fiji
Unknown
Yes
🇫🇮 Finland
Unknown
Yes
🇫🇷 France
Unknown
Yes
🇬🇫 French Guiana
Unknown
Yes
🇵🇫 French Polynesia
Unknown
Yes
🇬🇦 Gabon
Unknown
Yes
🇬🇲 Gambia
Unknown
Yes
🇬🇪 Georgia
Unknown
Yes
🇩🇪 Germany
Unknown
Yes
🇬🇭 Ghana
Unknown
Yes
🇬🇮 Gibraltar
Unknown
Yes
🇬🇷 Greece
Unknown
Yes
🇬🇱 Greenland
Unknown
Yes
🇬🇩 Grenada
Unknown
Yes
🇬🇵 Guadeloupe
Unknown
Yes
🇬🇺 Guam
Unknown
Yes
🇬🇹 Guatemala
Unknown
Yes
🇬🇬 Guernsey
Unknown
Yes
🇬🇳 Guinea
Unknown
Yes
🇬🇼 Guinea-Bissau
Unknown
Yes
🇬🇾 Guyana
Unknown
Yes
🇭🇹 Haiti
Unknown
Yes
🇭🇳 Honduras
Unknown
Yes
🇭🇰 Hong Kong
Unknown
Yes
🇭🇺 Hungary
Unknown
Yes
🇮🇸 Iceland
Unknown
Yes
🇮🇳 India
No
Unknown
🇮🇩 Indonesia
Unknown
Yes
🇮🇷 Iran
No
Unknown
🇮🇶 Iraq
No
Unknown
🇮🇪 Ireland
Unknown
Yes
🇮🇲 Isle of Man
Unknown
Yes
🇮🇱 Israel
No
Unknown
🇮🇹 Italy
Unknown
Yes
🇯🇲 Jamaica
Unknown
Yes
🇯🇵 Japan
Unknown
Yes
🇯🇪 Jersey
Unknown
Yes
🇯🇴 Jordan
Unknown
Yes
🇰🇿 Kazakhstan
Unknown
Yes
🇰🇪 Kenya
Unknown
Yes
🇰🇮 Kiribati
Unknown
Yes
🇽🇰 Kosovo
Unknown
Yes
🇰🇼 Kuwait
Unknown
Yes
🇰🇬 Kyrgyzstan
Unknown
Yes
🇱🇦 Laos
Unknown
Yes
🇱🇻 Latvia
Unknown
Yes
🇱🇧 Lebanon
Unknown
Yes
🇱🇸 Lesotho
Unknown
Yes
🇱🇷 Liberia
Unknown
Yes
🇱🇾 Libya
Unknown
Yes
🇱🇮 Liechtenstein
Unknown
Yes
🇱🇹 Lithuania
Unknown
Yes
🇱🇺 Luxembourg
Unknown
Yes
🇲🇴 Macao
Unknown
Yes
🇲🇬 Madagascar
Unknown
Yes
🇲🇼 Malawi
Unknown
Yes
🇲🇾 Malaysia
Unknown
Yes
🇲🇻 Maldives
Unknown
Yes
🇲🇱 Mali
Unknown
Yes
🇲🇹 Malta
Unknown
Yes
🇲🇭 Marshall Islands
Unknown
Yes
🇲🇶 Martinique
Unknown
Yes
🇲🇷 Mauritania
Unknown
Yes
🇲🇺 Mauritius
Unknown
Yes
🇾🇹 Mayotte
Unknown
Yes
🇲🇽 Mexico
Unknown
Yes
🇫🇲 Micronesia
Unknown
Yes
🇲🇩 Moldova
Unknown
Yes
🇲🇨 Monaco
Unknown
Yes
🇲🇳 Mongolia
Unknown
Yes
🇲🇪 Montenegro
Unknown
Yes
🇲🇸 Montserrat
Unknown
Yes
🇲🇦 Morocco
Unknown
Yes
🇲🇿 Mozambique
Unknown
Yes
🇲🇲 Myanmar (Burma)
No
Unknown
🇳🇦 Namibia
Unknown
Yes
🇳🇷 Nauru
Unknown
Yes
🇳🇵 Nepal
No
Unknown
🇳🇱 Netherlands
Unknown
Yes
🇳🇨 New Caledonia
Unknown
Yes
🇳🇿 New Zealand
Unknown
Yes
🇳🇮 Nicaragua
No
Unknown
🇳🇪 Niger
Unknown
Yes
🇳🇬 Nigeriarequires conditional approval
Yes · residents
Unknown
🇳🇺 Niue
Unknown
Yes
🇳🇫 Norfolk Island
Unknown
Yes
🇰🇵 North Korea
No
Unknown
🇲🇰 North Macedonia
Unknown
Yes
🇲🇵 Northern Mariana Islands
Unknown
Yes
🇳🇴 Norway
Unknown
Yes
🇴🇲 Oman
Unknown
Yes
🇵🇰 Pakistan
Unknown
Yes
🇵🇼 Palau
Unknown
Yes
🇵🇸 Palestine
Unknown
Yes
🇵🇦 Panama
Unknown
Yes
🇵🇬 Papua New Guinea
Unknown
Yes
🇵🇾 Paraguay
Unknown
Yes
🇵🇪 Peru
Unknown
Yes
🇵🇭 Philippines
Unknown
Yes
🇵🇳 Pitcairn Islands
Unknown
Yes
🇵🇱 Poland
Unknown
Yes
🇵🇹 Portugal
Unknown
Yes
🇵🇷 Puerto Rico
Unknown
Yes
🇶🇦 Qatar
Unknown
Yes
🇨🇬 Republic of the Congo
Unknown
Yes
🇷🇪 Réunion
Unknown
Yes
🇷🇴 Romania
Unknown
Yes
🇷🇺 Russia
No
Unknown
🇷🇼 Rwanda
Unknown
Yes
🇼🇸 Samoa
Unknown
Yes
🇸🇲 San Marino
Unknown
Yes
🇸🇹 São Tomé & Príncipe
Unknown
Yes
🇸🇦 Saudi Arabia
Unknown
Yes
🇸🇳 Senegal
Unknown
Yes
🇷🇸 Serbia
Unknown
Yes
🇸🇨 Seychelles
Unknown
Yes
🇸🇱 Sierra Leone
Unknown
Yes
🇸🇬 Singapore
Unknown
Yes
🇸🇽 Sint Maarten
Unknown
Yes
🇸🇰 Slovakia
Unknown
Yes
🇸🇮 Slovenia
Unknown
Yes
🇸🇧 Solomon Islands
Unknown
Yes
🇸🇴 Somalia
Unknown
Yes
🇿🇦 South Africa
Unknown
Yes
🇰🇷 South Korea
Unknown
Yes
🇸🇸 South Sudan
Unknown
Yes
🇪🇸 Spain
Unknown
Yes
🇱🇰 Sri Lanka
Unknown
Yes
🇧🇱 St Barthélemy
Unknown
Yes
🇸🇭 St Helena
Unknown
Yes
🇰🇳 St Kitts & Nevis
Unknown
Yes
🇱🇨 St Lucia
Unknown
Yes
🇲🇫 St Martin
Unknown
Yes
🇵🇲 St Pierre & Miquelon
Unknown
Yes
🇻🇨 St Vincent & the Grenadines
Unknown
Yes
🇸🇩 Sudan
Unknown
Yes
🇸🇷 Suriname
Unknown
Yes
🇸🇯 Svalbard & Jan Mayen
Unknown
Yes
🇸🇪 Sweden
Unknown
Yes
🇨🇭 Switzerland
Unknown
Yes
🇸🇾 Syria
No
Unknown
🇹🇼 Taiwan
Unknown
Yes
🇹🇯 Tajikistan
Unknown
Yes
🇹🇿 Tanzania
Unknown
Yes
🇹🇭 Thailand
Unknown
Yes
🇹🇱 Timor-Leste
Unknown
Yes
🇹🇬 Togo
Unknown
Yes
🇹🇰 Tokelau
Unknown
Yes
🇹🇴 Tonga
Unknown
Yes
🇹🇹 Trinidad & Tobago
Unknown
Yes
🇹🇦 Tristan da Cunha
Unknown
Yes
🇹🇳 Tunisia
Unknown
Yes
🇹🇷 Türkiye
No
Unknown
🇹🇲 Turkmenistan
Unknown
Yes
🇹🇨 Turks & Caicos Islands
Unknown
Yes
🇹🇻 Tuvalu
Unknown
Yes
🇺🇬 Uganda
Unknown
Yes
🇺🇦 Ukraine
No
Unknown
🇦🇪 United Arab Emirates
Unknown
Yes
🇬🇧 United Kingdom
Unknown
Yes
🇺🇸 United States
Unknown
Yes
🇺🇾 Uruguay
Unknown
Yes
🇺🇲 US Outlying Islands
Unknown
Yes
🇻🇮 US Virgin Islands
Unknown
Yes
🇺🇿 Uzbekistan
Unknown
Yes
🇻🇺 Vanuatu
Unknown
Yes
🇻🇦 Vatican City
Unknown
Yes
🇻🇪 Venezuela
No
Unknown
🇻🇳 Vietnam
No
Unknown
🇼🇫 Wallis & Futuna
Unknown
Yes
🇪🇭 Western Sahara
Unknown
Yes
🇾🇪 Yemen
Unknown
Yes
🇿🇲 Zambia
Unknown
Yes
🇿🇼 Zimbabwe
Unknown
Yes

Frequently asked questions about Exa Card

Who issues Exa Card?

Exa Card is issued by Third National. Payments run on the Visa network.

Is Exa Card a virtual or a physical card?

Exa Card is a virtual card only.

Does Exa Card work with Apple Pay and Google Pay?

It works with Apple Pay and Google Pay.

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

The foreign currency fee is 1.5%. The conditions are listed in the fees table on this page.

In which countries can I apply for Exa Card?

You can apply in Nigeria. You cannot apply in 18 countries, including China and India.

Sources

Compare Exa Card with