Tangem Pay Visa
Tangem · Visa · prepaid · Custodial
Tangem Pay Visa pays no rewards, so at $1,000/month spend the card costs $30 a year. According to Cardefi data, 7 of 10 key figures are verified from the issuer's pages, latest 5 Sep 2026.
- Cashback at your stake
- 0.0%
- Min. stake for rewards
- —
- Annual fee
- $0
- FX fee
- —
- Net value / yr
- −$30 at $1,000/mo spend
- Break-even
- $0 yearly spend to cover fees
Cashback and net value by stake
| Stake | Tier | Cashback | Net value / yr |
|---|---|---|---|
| $0 you Basic | Basic | 0.0% | −$30 |
How this card scores
Same arithmetic as every card in the catalogue, with this card's numbers in:
| Cashback at your stake | 0.0% × $12,000 | +$0 |
| Yearly fees | annual $0 + 12 × $0 | −$0 |
| FX on 25.0% of spend | 1.0% assumed × $3,000 | −$30 |
| Locked stake, 5.0% opportunity cost | $0 × 5.0% | −$0 |
| Net value per year | −$30 |
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 | $0 / yearBasic; Plus $29.99/month and Prestige $999/year are in tiers1 source“Free virtual card. No monthly fees. Subject to applicable fees and limits.”[1] · landing · captured 5 Sep 2026 |
| Monthly fee | $0 / month1 source“Free virtual card. No monthly fees. Subject to applicable fees and limits.”[1] · landing · captured 5 Sep 2026 |
| Card issuance | $0Virtual free; plastic price not stated1 source“Free virtual card. No monthly fees. Subject to applicable fees and limits.”[1] · landing · captured 5 Sep 2026 |
| Foreign transaction (FX) | — not disclosedNot stated on the landing |
| Crypto conversion / spread | — not disclosedUSDC 1:1; spread on non-USD spend not disclosed |
| ATM withdrawal | 4.0%Basic 4 %, Plus 2 %, Prestige 1 %1 source“ATM Fees 4% 2% 1%”[1] · landing · captured 5 Sep 2026 |
Reward tiers, as the issuer states them
| Tier | Requirement · rate · cap |
|---|---|
| Basic | 0.0% · None · Cap: none · Paid in USDC1 source“For everyday spending, funded by your crypto. Cashback and bonuses coming soon, subject to eligibility.”[1] · landing · captured 5 Sep 2026 |
| Plus | 0.0% · $29.99 / month · Cap: none · Paid in USDC1 source“Cashback. Coming soon 1% 2% 4%”[1] · landing · captured 5 Sep 2026 |
| Prestige | 0.0% · $999 / year · Cap: none · Paid in USDC1 source“Cashback. Coming soon 1% 2% 4%”[1] · landing · captured 5 Sep 2026 |
Limits
| Spend per day | $10,000 / dayBasic; Plus $50,000; Prestige $100,0001 source“Daily spending limit $10,000 $50,000 $100,000”[1] · landing · captured 5 Sep 2026 |
| Cards per user | 31 source“Card limit 3 5 10”[1] · landing · captured 5 Sep 2026 |
| Spend per month | — not disclosedDaily limits only |
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.
- Foreign transaction (FX). Not stated on the landing
- Crypto conversion / spread. USDC 1:1; spread on non-USD spend not disclosed
- Spend per month. Daily limits only
Sources
1 page captured and stored with a checksum. Quotes above are matched against these snapshots by script.
- tangem.com/en/tangem-pay/ · landing · 5 Sep 2026
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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.
- Does Tangem Pay Visa charge an annual fee?
- The annual fee for Tangem Pay Visa is $0.
- What does Tangem Pay Visa charge at an ATM?
- Tangem Pay Visa charges 4.0% on ATM withdrawals. The ATM operator may add its own fee on top.
- Who holds the funds behind Tangem Pay Visa?
- The issuer does. Spending on Tangem Pay Visa draws on a balance held by the provider, not in a wallet you control.
- Does Tangem Pay Visa require identity verification?
- Yes. Tangem Pay Visa requires full identity verification before the card can be used.