YPCards (Crypto Cards) virtual and physical cards are open to users worldwide and can be opened with an ID card or passport from any non-sanctioned region. Top-ups are free and there is no annual fee. The physical card also supports cash withdrawals at ATMs worldwide, turning your balance into cash in hand — one card for wherever you go.
The virtual card is built for online spending; the physical card works online and offline and supports ATM withdrawals worldwide. Find the one that suits you best
Issued instantly on approval, designed for online use
Works online and offline, withdraw cash at ATMs worldwide, shipped to your address anywhere in the world
A one-time card fee, then no hidden charges — here is every fee that can apply
| Fee | Virtual Card | Physical Card |
|---|---|---|
| Card fee | One-time (see app) | One-time (see app); postage may apply in some countries |
| Top-up fee | Waived | Waived |
| Annual fee | Waived | Waived |
| Local transaction fee | Waived | Waived |
| International transaction fee | Waived | Waived |
| Currency conversion fee | 1.5% (non-USD currencies) | 1.5% (non-USD currencies) |
| ATM withdrawal | Not supported | 2% + some bank fees |
| Refund fee | 2% | 2% |
| Transaction reversal | $1 | $1 |
| Declined transaction fee | Decline rate 20–50%: $0.30 per decline Above 50%: $0.60 per decline | Decline rate 20–50%: $0.30 per decline Above 50%: $0.60 per decline |
| Inactivity fee | $0.05 per month | $0.05 per month |
Your USDT is converted 1:1 to USD and all cards settle in USD. Foreign-currency transactions are settled at the Visa exchange rate. Fees shown in the app at the time of each action apply.
Paying by card is easy; getting cash is hard. The YPCards physical card turns your balance into real cash — that's what sets a cross-border card apart
Withdraw cash directly from major ATM networks worldwide. Whether travelling or facing an emergency abroad, your balance becomes cash whenever you need it — no longer limited to card-only virtual cards.
Open an account with an ID card or passport from any non-sanctioned region, wherever you live. Students abroad, overseas workers and cross-border sellers can all easily get their own crypto card.
Topping up your card is free, there is no annual fee, and local and international transaction fees are waived. Your costs stay clear and predictable.
Spending in currencies other than USD (such as EUR, GBP, JPY or CNY) incurs just a 1.5% conversion fee. USD spending has no conversion spread, so rates stay clear and transparent.
Once approved, your virtual card number is generated immediately — no waiting for delivery. Apply and use it the same day for subscriptions or online shopping.
Freeze or unfreeze your card in one tap in the app, and switch overseas spending and ATM withdrawals on or off yourself, with robust anti-fraud protection.
Transparent rates and no hidden charges — compare before you choose
| Fee | YPCards | Traditional Bank Card | Mainland Dual-Currency Credit Card | Typical Virtual Card Platform |
|---|---|---|---|---|
| Card / Annual Fee | One-time card fee, no annual fee | Annual fee approx. $40-150 | No annual fee but strict eligibility | Monthly fee $3-10 |
| Top-Up Fee | Free | Wire fee approx. $6-25 | Depends on bank policy | 1%-2% top-up fee |
| Transaction Fee | Waived | 1.5%-2% | 1.5% foreign transaction fee | 0.5%-1% |
| FX Fee | Only 1.5% (non-USD) | 1%-2% + spread | 2%-3% | 1.5%-2.5% |
| ATM Withdrawal (Physical Card) | ATMs worldwide* | Approx. $4 per withdrawal | High overseas withdrawal fees | Not supported or high fees |
| Eligibility | Any ID card or passport (non-sanctioned regions) | Must open in person at a branch | Local credit check required | Easy to qualify |
| Renewal on Expiry | Supported | Sometimes free | Free | New card required, fees apply |
For reference only. Fees may change at any time; please refer to each institution's official rates. YPCards data as of May 2026.
*Physical card ATM withdrawals are available to users worldwide who open with an ID card or passport from a non-sanctioned region. Supported countries/regions, ATM networks and limits are subject to actual availability.
Other ways to put your crypto to work
One-time card fee and no annual fee. Free top-ups and only 1.5% FX fee on foreign-currency spending. The physical card also supports ATM withdrawals worldwide and is open to users everywhere.
Fully Online Application · Compliant KYC · Bank-Grade Encryption