by Utrg UAB
The UTORG Card is a Visa debit card with a €0 annual fee, available in EEA/Ukraine. KYC is optional.
Utorg is a fintech and crypto on-ramp operator registered in Lithuania as UAB "Utrg," holding a virtual currency exchange and wallet license and PCI DSS Level 2 certification. The company has publicly stated it has temporarily suspended its crypto-asset services pending MiCA authorisation from the Bank of Lithuania.
The UTORG Card is a crypto debit card offered by Utrg UAB, available in EEA/Ukraine. The annual fee starts at €0.
Best suited for users who prefer minimal identity verification. It runs on the Visa network with optional 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 Europe guide.
On $500/mo spend, the estimated monthly cost breakdown for UTORG Card is: gas $0.00, conversion spread $5.00, flat/FX fees $0.00, and amortised card/tier fee $0.00, for a total drag of 1% of spend. After $0.00/mo cashback that is still a net cost of about $5.00/mo ($60.00/yr). UTORG Card tops up from a centralized balance, so there is no on-chain gas cost regardless of how often you reload. Figures are conservative estimates and vary with conditions.
Note: Services suspended Jan 1-Jun 30, 2026 pending MiCA authorization; full MiCA license granted effective July 1, 2026 — card operational across all 29 EEA states. FinTelegram flagged role as payment facilitator for offshore casinos. Migration to Poland via Chain Valley Sp. z o.o. reported. Previously: Tiered KYC (levels 0-3), EEA + Ukraine. Wirex BaaS partnership announced April 2026.
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The UTORG Card is a crypto debit card offered by Utrg UAB. It is available in EEA/Ukraine and allows users to spend cryptocurrency at merchants worldwide.
The UTORG Card has an annual fee of €0. Additional fees: Conversion fee: ~1%.
KYC is optional for the UTORG Card. Basic features work without identity verification, but verifying usually unlocks higher spending limits.
The UTORG Card is available in EEA/Ukraine.
The UTORG Card is a debit card. You need to load cryptocurrency onto the card before making purchases.
Want to see your annual earnings? Use the ROI Calculator to estimate net cashback at your spending level, or compare cards side by side.