The MaxSwap Virtual Card is a Visa/Mastercard debit card with a $0 ($50 one-time card price; $25 minimum first deposit) fee, available in Global (excl. sanctioned states; US unconfirmed). KYC is optional.
MaxSwap is a Telegram-based crypto swap service that issues prepaid virtual Visa and Mastercard cards funded from a Telegram wallet balance. Its site markets a UK connection, but no company name, Companies House number or FCA cryptoasset registration could be found.
The MaxSwap Virtual Card is a crypto debit card offered by MaxSwap, available in Global (excl. sanctioned states; US unconfirmed). The annual fee starts at $0 ($50 one-time card price; $25 minimum first deposit).
Best suited for users who prefer minimal identity verification. Note that the card is virtual only. It runs on the Visa/Mastercard network with optional identity verification.
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| Tier | Rate | Requirement |
|---|---|---|
| Base | 0% | No cashback or rewards programme exists |
On $500/mo spend, the estimated monthly cost breakdown for MaxSwap Virtual Card is: gas $0.00, conversion spread $22.50, flat transaction fees $2.00, and amortised card/tier fee $0.00, for a total drag of 4.9% of spend. After $0.00/mo cashback that is still a net cost of about $24.50/mo ($294.00/yr). MaxSwap Virtual Card tops up from a centralized balance, so there is no on-chain gas cost regardless of how often you reload. This card bills in USD. Spending in another currency adds a 0.6% FX fee; these figures do not include it. Figures are conservative estimates and vary with conditions.
Note: Prepaid virtual card issued through a Telegram bot in under a minute. MaxSwap's cards FAQ (read 2026-10-24) now lists a Visa card for the USA (with Apple Pay and Google Pay), and its virtual card policy refers to issuing Visa Prepaid, while the commissions table still labels the card MasterCard. The current virtual card policy no longer contains the earlier statement that KYC is not mandatory and email alone is sufficient; it says the service complies with its AML policy and has the right to require the client to undergo KYC if their operations violate the service rules, so we classify it low-KYC rather than no-KYC. Issuance is 50 USDT, and the card must be created with an initial balance of at least 25 USD, so opening one takes 75 USD of which 25 USD is your own spendable balance, and the policy adds a 5% commission on the card-creation transaction. Top-up is 4.5% plus $1 with a 10 USDT minimum, and 0.6% extra when settlement is not in USD. FEE CONFLICT: the cards FAQ charges 0.25 USD plus 0.4% per transaction, while the virtual card policy charges 0.25 USD only on each rejected transaction. MaxSwap also lists an AI Card (Google Pay, ES) with a $45 issuance fee, and a Premium Card with ATM access (USA) at 85 USDT with cash withdrawals up to 750 USD a day (250 USD per transaction), a 4.5% top-up fee and 0.30 USD per successful transaction. Virtual only, so no ATM access, and cards cannot transfer or withdraw to another card. Payments are prohibited in the currencies of Afghanistan, Belarus, Cuba, Iran, North Korea, Syria, Venezuela, Russia, Myanmar, Somalia, Yemen and the occupied Ukrainian territories; US support is not affirmatively confirmed. MaxSwap advertises limits of $50,000 per transaction, $200,000/day and $2,000,000/month, which are implausible for email-only onboarding, so we record no limits rather than repeat them. Fees confirmed by a direct read of maxswap.cc/virtual-card-policy/ on 2026-09-22.
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The MaxSwap Virtual Card is a crypto debit card offered by MaxSwap. It is available in Global (excl. sanctioned states; US unconfirmed) and allows users to spend cryptocurrency at merchants worldwide.
The MaxSwap Virtual Card has an annual fee of $0 ($50 one-time card price; $25 minimum first deposit). Additional fees: Conversion fee: $0.25 + 0.4% per transaction (FAQ); policy charges $0.25 only on rejected; FX fee: 0.6% when settlement is not in USD; ATM: No ATM withdrawals (virtual card, spend only); Top-up: 4.5% + $1 (minimum top-up 10 USDT).
Top-up methods include Fund the card from a MaxSwap Telegram wallet balance; $25 minimum initial deposit.
KYC is optional for the MaxSwap Virtual Card. Basic features work without identity verification, but verifying usually unlocks higher spending limits.
The MaxSwap Virtual Card is available in Global (excl. sanctioned states; US unconfirmed).
The MaxSwap Virtual Card is a debit card. You need to load cryptocurrency onto the card before making purchases.
Yes, the MaxSwap Virtual Card supports Apple Pay and Google Pay for contactless payments.
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