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Pionex Card

Custody
Custodial
Network
Unknown
Card types
Virtual only
Card product
Debit
Wallets
Apple Pay, Google Pay

Partly verified · 8 of 11 key facts · last checked 15 Oct 2026 · aging

Facts reviewed by

Review

What it is

Pionex Card is a virtual crypto card. It is a debit card.

Funding and spending

The company holds your balance, and the card spends from it. It is funded with crypto. You can top it up by crypto. You can reload it after the first load. It can be funded with USDT.

Fees

It has no card issuance fee. It has no annual fee. The foreign currency fee is 1%. The crypto conversion spread is 0%. The ATM withdrawal fee is 2%. Some of these fees have conditions, which are listed in the fees table on this page. We have not verified the monthly fee and top-up fee yet.

Limits and rewards

You can withdraw cash at ATMs. Daily spending limit: 10,000 USDT to 500,000 USDT, depending on tier. Monthly spending limit: 50,000 USDT to 500,000 USDT, depending on tier. ATM withdrawal limit per day: 3,000 USDT. ATM withdrawal limit per month: 7,000 USDT. Maximum per payment: 10,000 USDT to 80,000 USDT, depending on tier. It pays 1% back on card spend. It works with Apple Pay and Google Pay.

Signing up

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

How we check

We last checked this card on 15 Oct 2026, against 7 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 Pionex Card

Pros

  • No annual fee
  • Low foreign exchange fee: 1%
  • No fee for converting crypto to the card currency
  • No card issuance fee
  • 1% back on spending
  • Spending limit of at least 50,000 USDT a month

Cons

  • Custodial: the issuer holds your funds
  • 3 of 11 key facts are not verified yet

Who it suits

  • Frequent travellers, as foreign exchange fees are low
  • Heavy spenders, as the limits are high and the fees stay low
  • People who want cashback on everyday spending

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
Checked 03 Oct 2026agingsource
Annual fee
Free
Checked 03 Oct 2026agingsource
Foreign currency (FX)
?
Charged on payments in a currency other than the card currency.
1%
Transaction fee charged on every Visa card payment, including local USD payments; Mastercard variant has a different rate
Checked 06 Oct 2026agingsource
Crypto conversion spread
?
Charged when crypto is converted into the card currency.
0%
Fiat-to-crypto conversion; USD/USDT exchange rate is fixed at 1:1
Checked 06 Oct 2026agingsource
ATM withdrawal
2%
Visa card; physical card only, plus any ATM operator fee
Checked 02 Oct 2026agingsource
Top-up
Unknown
Inactivity
Free
Checked 03 Oct 2026agingsource
Card replacement
Unknown
Other fee
0.50 USDT
Failed payment fee. Failures from authorization timeout or system maintenance are free; for unsupported merchants the first failed payment per merchant is free; for other failures the first one per person each month is free; additional failed payments cost 0.5 USDT each
Checked 04 Oct 2026agingsource

Limits

Daily spend
10,000 USDT
Default limit, Visa card, physical or virtual
Checked 06 Oct 2026agingsource
Daily spendTier: Temporary increase
500,000 USDT
Visa card only; available on request, requires a card account balance of at least 16,000 USDT at application, valid for 14 days with a 30 day cooldown before reapplying; Mastercard does not support this feature
Verified 22 Oct 2026source
Monthly spend
50,000 USDT
Default limit, Visa card, physical or virtual
Checked 06 Oct 2026agingsource
Monthly spendTier: Temporary increase
500,000 USDT
Visa card only; available on request, requires a card account balance of at least 16,000 USDT at application, valid for 14 days with a 30 day cooldown before reapplying; Mastercard does not support this feature
Verified 22 Oct 2026source
ATM per day
3,000 USDT
Default limit, Visa physical card only; ATM limits cannot be adjusted
Checked 06 Oct 2026agingsource
ATM per month
7,000 USDT
Default limit, Visa physical card only; ATM limits cannot be adjusted
Checked 06 Oct 2026agingsource
Top-up per day
Unknown
Maximum per payment
10,000 USDT
Default limit, Visa card, physical or virtual. A temporary increase to 80,000 USDT is possible for eligible users
Checked 06 Oct 2026agingsource
Maximum per paymentTier: Temporary increase
80,000 USDT
Visa card only; available on request, requires a card account balance of at least 16,000 USDT at application, valid for 14 days with a 30 day cooldown before reapplying; Mastercard does not support this feature
Verified 22 Oct 2026source

Rewards

No country limit
No token staking needed
Tier ATM withdrawals (category)Back on card spend
0%
Cash withdrawals through any ATM or cash access channel, domestic or international
Checked 03 Oct 2026agingsource
Back on card spend
1%
Visa card; general spending in USD and local currencies. ATM withdrawals and a short list of excluded merchant categories earn 0%. The Mastercard variant, offered where the Visa card is not open, earns 0.1% to 1%
Checked 04 Oct 2026agingsource
Tier Trip com (category)Back on card spend
5%
Up to 5% cashback stacked on top of the base 1% cashback when booking hotels, flights and travel activities through Trip.com using the Pionex Card.
Verified 22 Oct 2026source

Top-up assets and networks

  • USDTNetwork 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
Yes
You can withdraw cash at ATMs. The fees and limits above and below set the cost and the caps.
Checked 07 Oct 2026agingsource
Reloadable
Yes
You can top the card up again after the first load.
Checked 07 Oct 2026agingsource
Top-up methods
Crypto
The ways you can add money to the card.
Checked 07 Oct 2026agingsource

Where it's available

Applying for the card and using it are tracked separately.

Virtual card only: nothing is shipped.

Rules the issuer states

  • Pionex Card is supported for transactions in all countries and regions worldwide, EXCEPT for the 8 restricted areas listed below (Afghanistan, Venezuela, Russia, Myanmar, Ukraine, North Korea, Iran, and Belarus).Checked 03 Oct 2026agingsource
  • at any merchant that accepts Visa or Master globallyVerified 22 Oct 2026source

Every country below was checked against the same source:Checked 03 Oct 2026agingsource

Country
Can apply
Card works
🇦🇫 Afghanistan
Unknown
No
🇦🇽 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
Unknown
Yes
🇧🇧 Barbados
Unknown
Yes
🇧🇾 Belarus
Unknown
No
🇧🇪 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
🇨🇳 China
Unknown
Yes
🇨🇽 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
🇨🇼 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
Unknown
Yes
🇮🇩 Indonesia
Unknown
Yes
🇮🇷 Iran
Unknown
No
🇮🇶 Iraq
Unknown
Yes
🇮🇪 Ireland
Unknown
Yes
🇮🇲 Isle of Man
Unknown
Yes
🇮🇱 Israel
Unknown
Yes
🇮🇹 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)
Unknown
No
🇳🇦 Namibia
Unknown
Yes
🇳🇷 Nauru
Unknown
Yes
🇳🇵 Nepal
Unknown
Yes
🇳🇱 Netherlands
Unknown
Yes
🇳🇨 New Caledonia
Unknown
Yes
🇳🇿 New Zealand
Unknown
Yes
🇳🇮 Nicaragua
Unknown
Yes
🇳🇪 Niger
Unknown
Yes
🇳🇬 Nigeria
Unknown
Yes
🇳🇺 Niue
Unknown
Yes
🇳🇫 Norfolk Island
Unknown
Yes
🇰🇵 North Korea
Unknown
No
🇲🇰 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
Unknown
No
🇷🇼 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
🇹🇼 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
Unknown
Yes
🇹🇲 Turkmenistan
Unknown
Yes
🇹🇨 Turks & Caicos Islands
Unknown
Yes
🇹🇻 Tuvalu
Unknown
Yes
🇺🇬 Uganda
Unknown
Yes
🇺🇦 Ukraine
Unknown
No
🇦🇪 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
Unknown
No
🇻🇳 Vietnam
Unknown
Yes
🇼🇫 Wallis & Futuna
Unknown
Yes
🇪🇭 Western Sahara
Unknown
Yes
🇾🇪 Yemen
Unknown
Yes
🇿🇲 Zambia
Unknown
Yes
🇿🇼 Zimbabwe
Unknown
Yes

No information for 2 countries yet

Frequently asked questions about Pionex Card

Is Pionex Card a virtual or a physical card?

Pionex Card is a virtual card only.

Can I withdraw cash from an ATM with Pionex Card?

Yes. You can withdraw cash at ATMs. The ATM withdrawal fee is 2%.

Does Pionex Card require KYC?

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

How do I top up Pionex Card?

You can top it up by crypto.

Does Pionex Card work with Apple Pay and Google Pay?

It works with Apple Pay and Google Pay.

Which crypto can I use with Pionex Card?

It can be funded with USDT.

Does Pionex Card have an annual fee?

No. Pionex Card has no annual fee.

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

The foreign currency fee is 1%. The conditions are listed in the fees table on this page.

Does Pionex Card pay cashback?

Yes. It pays 1% back on card spend.

What are the spending and ATM limits of Pionex Card?

Daily spending limit: 10,000 USDT to 500,000 USDT, depending on tier. Monthly spending limit: 50,000 USDT to 500,000 USDT, depending on tier. ATM withdrawal limit per day: 3,000 USDT. ATM withdrawal limit per month: 7,000 USDT. Maximum per payment: 10,000 USDT to 80,000 USDT, depending on tier.

Sources

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