The Tangem Pay is a Visa debit card with a $0 (wallet $69.90) fee, available in 70+ countries (US/LATAM/APAC/EEA).
Tangem is a hardware wallet manufacturer founded in 2017 and headquartered in Zug, Switzerland, known for its credit-card-format NFC smartcard wallets. SBI Crypto Investment, a subsidiary of Japan's SBI Holdings, invested $15 million in the company in 2018.
The Tangem Pay is a crypto debit card offered by Tangem, available in 70+ countries (US/LATAM/APAC/EEA). There is no annual fee to hold this card.
It is a strong fit for privacy-conscious users who want to keep custody of their keys while spending. It runs on the Visa network and requires standard identity verification.
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On $500/mo spend, the estimated monthly cost breakdown for Tangem Pay is: gas $0.01, conversion spread $0.00, flat/FX fees $0.00, and amortised card/tier fee $0.00, for a total drag of 0% of spend. After $0.00/mo cashback that is still a net cost of about $0.01/mo ($0.12/yr). Because Tangem Pay is loaded on-chain, frequent small top-ups add gas cost: a daily-spender profile pays about $0.20/mo in gas versus $0.01/mo for a single monthly load, so total drag runs 0% with daily reloads versus 0% with a monthly reload. Figures are conservative estimates and vary with conditions.
Note: LAUNCHED Nov 2025. EEA expansion live since March 23, 2026 (MiCA-compliant). UK still pending as of July 2026 (regulatory delays beyond original Q1 2026 plan). MEA availability (South Africa, UAE) reported by official channels. Virtual Visa card in Tangem Wallet app. USDC/Polygon only. No fees (only Polygon gas + Visa FX). $500/day limit initially, $2,000 after 7 days. KYC via Paera. 6M hardware wallets sold. Operated by Paera LLC and issued by Third National under a Puerto Rico money transmitter licence; Tangem AG states it does not operate the programme, and no EEA or UK e-money licence is named. Spending settles on-chain from USDC on Polygon.
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The Tangem Pay is a crypto debit card offered by Tangem. It is available in 70+ countries (US/LATAM/APAC/EEA) and allows users to spend cryptocurrency at merchants worldwide.
The Tangem Pay has an annual fee of $0 (wallet $69.90). Additional fees: Conversion fee: 0% (USDC direct); FX fee: Visa FX rate.
The Tangem Pay has the following limits: daily spending limit: USD 500/day at onboarding, USD 2,000 after 7 days (programme ceiling USD 50,000); daily ATM withdrawal limit: USD 250 per withdrawal. Limits can vary by account tier and verification level.
Yes. Tangem requires standard identity verification (KYC), typically a government-issued ID, during signup.
The Tangem Pay is available in 70+ countries (US/LATAM/APAC/EEA).
The Tangem Pay is a debit card. You need to load cryptocurrency onto the card before making purchases.
Yes, the Tangem Pay is a non-custodial (self-custody) card. This means you retain control of your private keys and your crypto is not held by a third party. Funds are only converted at the point of sale, reducing counterparty risk compared to custodial alternatives.
Yes, the Tangem Pay supports Apple Pay and Google Pay for contactless payments.
The Tangem Pay is issued by Third National. Licences: Money transmitter (NMLS 2612780) (Puerto Rico Commissioner of Financial Institutions (OCIF), US).
No, the Tangem Pay does not come with a personal IBAN.
No fiat is held: value sits as on-chain stablecoin collateral owned by the user in smart contracts, which the programme can access only during or after a liquidation event.
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