Unbanked (Ternio)
BlockCard
Unbanked (Ternio) · Visa · prepaid · Custodial
At $1,000/month spend with no stake, BlockCard nets +$570 a year. According to Cardefi data, 10 of 21 key figures are verified from the issuer's pages, latest 6 Sep 2026.
direct — pays us nothing
- Cashback at your stake
- 6.0%
- Min. stake for rewards
- None
- Annual fee
- — issuance $10
- FX fee
- 3.0%
- Net value / yr
- +$570 at $1,000/mo spend
- Break-even
- $1,333 yearly spend to cover fees
Cashback and net value by stake
| Stake | Tier | Cashback | Net value / yr |
|---|---|---|---|
| $0 you 6% (historical) | 6% (historical) | 6.0% | +$570 |
How this card scores
Same arithmetic as every card in the catalogue, with this card's numbers in:
| Cashback at your stake | 6.0% × $12,000 | +$720 |
| Yearly fees | annual $0 + 12 × $5 | −$60 |
| FX on 25.0% of spend | 3.0% × $3,000 | −$90 |
| Locked stake, 5.0% opportunity cost | $0 × 5.0% | −$0 |
| Net value per year | +$570 |
Fees in full
Every figure below carries the issuer's own words. Tap a source count to read them. A dash means we looked and the issuer does not say. How these fees compare across every card.
| Annual fee | n/aProgramme closed. The fee schedule (Schedule A) lists no annual fee; the card carried a monthly fee instead |
| Monthly fee | $5 / monthHistorical value; programme closed. Monthly fee $5.00 per the cardholder agreement (Schedule A); the 2022 site described one flat monthly rate that most users could waive by spending |
| Card issuance | $10Historical value; programme closed. Card activation $10.00 (agreement); the 2022 site priced the plastic card at $10.00, virtual card included1 source“Card activation $10.00 One time fee for activating your Card.”[2] · secondary · captured 6 Sep 2026 |
| Foreign transaction (FX) | 3.0%Historical value; programme closed. International transaction fee up to 3% (signature), $2.00 plus up to 3% (PIN)1 source“International transaction fee – other 3% country or in a currency other than the U.S. dollar, up to 3% of the”[2] · secondary · captured 6 Sep 2026 |
| Crypto conversion / spread | — not disclosedProgramme closed. Deposits were converted to UNBNK or USDT; the conversion spread was never disclosed |
| ATM withdrawal | $3 / txHistorical value; programme closed. $3.00 per US ATM withdrawal, $3.50 international, plus operator fees |
Reward tiers, as the issuer states them
| Tier | Requirement · rate · cap |
|---|---|
| 1% (historical) | 1.0% · None · Cap: not disclosed · Paid in UNBNK1 source“1% 30,000 UNBNK”[5] · secondary · captured 6 Sep 2026 |
| 2% (historical) | 2.0% · None · Cap: not disclosed · Paid in UNBNK1 source“2% 57,500 UNBNK”[5] · secondary · captured 6 Sep 2026 |
| 3% (historical) | 3.0% · None · Cap: not disclosed · Paid in UNBNK1 source“3% 82,000 UNBNK”[5] · secondary · captured 6 Sep 2026 |
| 4% (historical) | 4.0% · None · Cap: not disclosed · Paid in UNBNK1 source“4% 105,000 UNBNK”[5] · secondary · captured 6 Sep 2026 |
| 5% (historical) | 5.0% · None · Cap: not disclosed · Paid in UNBNK1 source“5% 120,000 UNBNK”[5] · secondary · captured 6 Sep 2026 |
| 6% (historical) | 6.0% · None · Cap: not disclosed · Paid in UNBNK |
Limits
| Spend per day | n/aProgramme closed. Historical: $5,000.00 daily spending limit and $500.00 daily ATM withdrawal on the site; the agreement capped ATM cash at $920.00 per day and the balance at $10,000.00 |
| Spend per month | — not disclosedProgramme closed. Only daily limits were published (see spend_daily) |
What we could not find
These figures matter for the score, and the issuer's public pages do not state them. Where we looked is listed under Sources.
- Crypto conversion / spread. Programme closed. Deposits were converted to UNBNK or USDT; the conversion spread was never disclosed
- Spend per month. Programme closed. Only daily limits were published (see spend_daily)
Sources
6 pages captured and stored with a checksum. Quotes above are matched against these snapshots by script.
- web.archive.org/web/20221211171136/https://unbanked.com/card/ · secondary · 6 Sep 2026
- web.archive.org/web/20230529230046if_/https://unbanked.com/Blockcard%20GPR%20Prepaid%20VISA%20TCC-1801-V318.pdf · secondary · 6 Sep 2026
- web.archive.org/web/20230526002224/https://unbanked.com/unbanked-investor-update-april-2023/ · secondary · 6 Sep 2026
- web.archive.org/web/20220819222459/https://unbanked.com/debit-card/united-states/blockcard/ · secondary · 6 Sep 2026
- web.archive.org/web/20220819233730/https://unbanked.com/rewards/cards/ · secondary · 6 Sep 2026
- web.archive.org/web/20221128044747/https://unbanked.com/card/europe/ · secondary · 6 Sep 2026
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What to use instead of BlockCard
BlockCard is no longer open to new customers. These cards are the closest on what it offered — no staking, cashback, USDT / USDC, bitcoin, prepaid, Visa, USDT — ranked by net value at $1,000 a month.
- Ripio Card — shares 7 traits +$195
- Gate Card — shares 7 traits −$12
- MEXC Global Card — shares 6 traits +$480
- Jupiter Card — shares 6 traits +$210
- Plasma One — shares 6 traits +$195
Questions about this card
Answers are generated from the verified fields on this page. A question is only shown when the figure behind it has a source.
- What does BlockCard charge on foreign currency?
- BlockCard adds 3.0% on transactions in a currency other than the account currency.
- How much cashback does BlockCard pay?
- BlockCard pays up to 6.0%, which is the highest rate any of its tiers reaches.
- What does BlockCard charge at an ATM?
- BlockCard charges 300.0% on ATM withdrawals. The ATM operator may add its own fee on top.
- Who holds the funds behind BlockCard?
- The issuer does. Spending on BlockCard draws on a balance held by the provider, not in a wallet you control.
- Does BlockCard require identity verification?
- Yes. BlockCard requires full identity verification before the card can be used.