The Onboard Flex Card is a Visa debit card with no annual fee, available in Global (excl. US and about 40 other countries).
Onboard is a stablecoin wallet and USD card app built by Nestcoin, a crypto company founded in Nigeria. Its terms name Nestcoin Holding Limited, a British Virgin Islands company, as the provider, working with regulated third-party financial institutions it does not name.
The Onboard Flex Card is a crypto debit card offered by Onboard (Nestcoin), available in Global (excl. US and about 40 other countries). There is no annual fee to hold this card.
Note that the card is virtual only. It runs on the Visa network and requires full identity verification.
New to crypto cards? Read our complete buyer's guide to understand fees, rewards, and how to choose. Concerned about privacy? See our KYC vs non-KYC comparison. Compare more options in our best crypto cards in Latin America guide. See where it ranks among the best crypto debit cards.
| Tier | Rate | Requirement |
|---|---|---|
| Standard | 0% | No cashback programme is published on any Onboard page |
On $500/mo spend, the estimated monthly cost breakdown for Onboard Flex Card is: gas $0.50, conversion spread $6.25, flat transaction fees $0.00, and amortised card/tier fee $0.00, for a total drag of 1.4% of spend. After $0.00/mo cashback that is still a net cost of about $6.75/mo ($81.00/yr). Because Onboard Flex Card is loaded on-chain, frequent small top-ups add gas cost: a daily-spender profile pays about $10.00/mo in gas versus $0.50/mo for a single monthly load, so total drag runs 3.3% with daily reloads versus 1.4% with a monthly reload. This card bills in USD. Spending in another currency adds a 1.5% FX fee; these figures do not include it. Figures are conservative estimates and vary with conditions.
Note: Prepaid USD virtual Visa ("Flex Card") funded by sending USDT or USDC to a card deposit address, from local-currency balances (NGN, IDR, KES), or from BTC, SOL and ETH sold in the Trading Wallet at market rate. FEES (help.onboard.xyz fee article, read 2026-10-08): first card free, additional cards $2 (up to 3); card funding 1.25% on most networks (Tron 1.25% + $1.25, Ethereum 1.25% + $0.10), though one row of the same page still says "1% Flex"; USD purchases free; non-USD and cross-border USD purchases $0.30 + 1.5%; declines and withdrawals from the card free. No annual or monthly fee is listed. Limits: $5,000 a day and $20,000 a month in spending; $1 to $5,000 per funding. Apple Pay and Google Wallet supported, Apple Pay depending on the registered country. KYC: government ID and a live selfie before funding or creating a card. The older Classic card is deprecated and cannot be created. VERIFICATION GAPS: no card issuer or BIN sponsor is named; no cashback programme is published (recorded as 0%).
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The Onboard Flex Card is a crypto debit card offered by Onboard (Nestcoin). It is available in Global (excl. US and about 40 other countries) and allows users to spend cryptocurrency at merchants worldwide.
The Onboard Flex Card has an annual fee of $0. Additional fees: FX fee: $0.30 + 1.5% on non-USD and cross-border USD purchases; ATM: No ATM access (virtual only); Top-up: 1.25% (Tron 1.25% + $1.25, Ethereum 1.25% + $0.10).
The Onboard Flex Card has the following limits: daily spending limit: $5,000; monthly spending limit: $20,000. Limits can vary by account tier and verification level.
Supported assets include USDT, USDC, BTC, ETH, SOL; top-up methods include Stablecoin deposit to a card address, NGN, IDR and KES local-currency balances, Crypto sold in the Trading Wallet.
Yes. The Onboard Flex Card requires full identity verification (KYC): expect to submit a government-issued ID, and often proof of address, before the card is issued.
The Onboard Flex Card is available in Global (excl. US and about 40 other countries). It is NOT available in the United States.
The Onboard Flex Card is a debit card. You need to load cryptocurrency onto the card before making purchases.
Yes, the Onboard Flex Card supports Apple Pay and Google Pay for contactless payments.
Want to see your annual earnings? Use the ROI Calculator to estimate net cashback at your spending level, or compare cards side by side.