What the TXBFI card actually offers, tier by tier and fee by fee

Updated October 2026

Licensed

Available in US

Fast payouts

18+ Only

The TXBFI card is a Visa card that spends a crypto balance, sold in four tiers — Virtual, Plastic, Metal and Gold — with no monthly fee. On paper that is a familiar shape: pay a one-off price, load the card with BTC or stablecoins, and spend at ordinary shops, with cashback in BTC on the side. The details underneath are less tidy. The card’s public pages do not publish a list of eligible countries, do not name the bank that actually issues the card, and do not give the licence number behind the claimed crypto licence. Several fee figures on the same site contradict each other. My score for it is 5.8 out of 10 — an average card with real strengths for one specific person and real blind spots for everyone else.

The conditions described here are current as of October 28, 2026.

I have not opened an account or used the card. What follows comes from TXBFI’s own public pages — pricing, FAQ, tier comparisons, terms and company details — plus the general shape of this category of product. Where the card’s pages say nothing, I say nothing and say so.

Verdict: 5.8 out of 10, and who that suits

Let me put the number first because you should know what you are weighing before you read a word more. TXBFI scores 5.8 out of 10 overall. That is not a dismissive score. It is a card with one of the better everyday-use profiles in this category and one of the weaker disclosure profiles — costs that are hard to predict from the pages, an issuer nobody names, and an app still in beta.

The everyday-use mark is the highest of the five and deserves the explanation. Most of the friction people hit with crypto cards comes from two things: getting the card and then getting it into a phone wallet, and having a cash fallback. TXBFI handles both reasonably. The virtual card goes into Apple Pay and Google Pay; the physical cards go into Google Pay; and three of the four tiers come with an ATM allowance, starting at $1,000 a day on Plastic.

The cost mark of 3 is the lowest and it is about predictability rather than headline price. There is no monthly fee, which is genuinely good. But the deposit fee starts at 2.6% on Virtual and Plastic and only falls to 1.8% on a $10,000 Gold card, and the site’s own top-up page carries a heading about 2.7% and a header about 3% — numbers that sit next to the FAQ’s 2.6% without explanation. Add a 0.6% forex charge on international payments and you are paying, in effect, two separate layers of percentage on money you may not have converted into a stablecoin at all.

Who this suits: someone already holding crypto who wants a Visa, not someone who wants a bank. The tier ladder runs from a $25 virtual card to a $10,000 gold one, and the person who benefits is the one spending from an existing balance — you load, you pay, the card does the conversion. If that is you, the mechanics are sound and there is no monthly charge to forget about.

Who this does not suit: anyone who needs a card to work reliably in a specific country next week, anyone who expects a deposit guarantee or a named bank relationship, and anyone whose spending depends on withdrawing or cashing out the balance rather than spending it.

Will they give you the card

This is the question I would ask first, and it is the one TXBFI answers least directly. There is no list of eligible countries and no list of excluded ones. No country is named anywhere in the eligibility material I could read — and I want to be careful with this, because absence of mention is not permission. Russia and Belarus are not mentioned in what the card publishes, and neither is anywhere else. The only statement on offer is a standard disclaimer: service availability is subject to jurisdiction, eligibility, applicable law and provider requirements.

That sentence is doing a lot of work. It means the decision sits with the provider, not with a published rule you can read in advance. Practically, you should expect to find out whether you are eligible by trying, not by reading.

The rest of the eligibility picture follows from how the onboarding works, which is one single path rather than a tiered one. It is covered in the next section, but the shape of it matters here: the same identity checks apply whether you are applying for the $25 virtual card or the $10,000 gold one, and the public pages say nothing about different limits or different approval paths per tier.

For anyone in a sanctioned jurisdiction, the position is the same as it is with every regulated card: there is no route through this product’s rules, and no workaround exists that would be legitimate. Nor should you go looking for one — a card that skips sanctions screening is a card that will be frozen and investigated. If you are in a high-risk jurisdiction on a KYC provider’s list, expect a decline and expect it to be correct.

How to get it

There is one documented onboarding path, and it is a fairly standard one: register on the web platform, pass identity verification, choose a tier, pay the one-off price, top up. The verification itself needs a government photo ID — passport, national ID or driver’s licence — plus proof of address dated within the last three months, such as a utility bill or bank statement. There is a biometric liveness check, and screening against sanctions, politically exposed persons and wallets, as the terms describe it.

Most accounts are approved within 24 hours. One account per person. The minimum age is not stated anywhere I could find.

The card itself is Visa. That part is clear and it matters more than it sounds: Visa is the network, not the issuer. The tier determines the form — Virtual is a virtual card, Plastic, Metal and Gold are physical cards. The card currency is not stated, although the home page mentions 20+ currencies somewhere in its copy.

Delivery is not stated. For a physical card that is a real gap: no shipping window, no cost, no tracking promise, no list of countries it ships to. If you are buying a $300 Plastic card and your money is already committed, “delivery not stated” is a question to ask in the support channel before you pay.

Two further things are absent from this section and I would not want you to discover them later. Rejection reasons are not stated — the pages do not say why accounts fail verification. And there is only one KYC level described, with no second tier that unlocks higher limits.

Fees and what a payment really costs

There is no monthly fee and no annual fee. That is the good headline, and it is real: the card does not charge you for existing. Everything else is charged at the point of use.

Two things in that table deserve a second look rather than a shrug. The first is the ATM line: the FAQ quotes a flat $2.50 domestic and $3.50 international, while the card-tiers page advertises “from 2%”. Those are different pricing models and the pages do not reconcile them. The second is the absence of monthly limits — with no monthly cap published and single-tap limits as high as $100,000 on Gold, you cannot model your own exposure from the published material.

Now the part I find most useful, and the reason I would not stop at the fee table: three ordinary payments, with the fees that actually apply to each.

A coffee at a local café, $5, paid with the virtual card. Nothing extra is charged on a domestic purchase — there is no transaction fee listed for everyday spending. What it costs is what you already paid to hold the balance: the top-up fee you paid when you loaded, and if the card converted a non-stablecoin holding at the point of sale, whatever spread sits inside that conversion. This is the cheapest possible way to use the card.

A $60 online subscription billed in euros while your balance sits in dollars. Here you pay the 0.6% forex charge on the international transaction, described as a fixed spread over mid-market, plus whatever the merchant’s own pricing adds. On $60 that is a small absolute number, but on a monthly subscription it recurs, and over a year it becomes the fee you actually notice.

Withdrawing $200 from an ATM in another country on a Plastic card. The daily allowance permits it up to $1,000. Two charges meet: the withdrawal fee — $3.50 international per the FAQ, or 2% per the tier page, and these do not agree — and the 0.6% forex charge if the ATM’s local currency is not your card currency. At $2.50 domestic it is $5 on a $200 withdrawal if your card settles in the local currency; at 2% it would be $4 before currency conversion. Add the forex layer and you are looking at a mid-single-digit percentage of the amount, which is exactly the situation where a card that offers free bank transfers in the same region, if one exists for you, is cheaper.

The honest summary: TXBFI is cheapest when you spend in one currency from a stablecoin balance, and gets steadily more expensive as you cross currencies or reach for cash.

How to top up the card

Top up with BTC, SOL, SUI, XRP, XLM, USDT or USDC. Seven assets, a spread from the oldest to fairly recent tokens, and — this is the detail that matters more than the list — the networks are not stated.

That single omission is worth sitting with. Sending USDT over Tron and sending it over Ethereum are different instructions with different costs and different failure modes, and a page that lists the asset without the chain leaves you to guess. If you are new to this, guess wrong and your deposit may not arrive at all. Blockchain transfers are irreversible, so a deposit sent on a network the provider does not support, or to an address belonging to another network, can be lost or need manual recovery with no guarantee attached. Before your first transfer, ask the support channel which networks are supported for the asset you plan to send. That is a question to ask, not a workaround.

The deposit fee is 2.6% on Virtual and Plastic, 2.4% on Metal and 1.8% on Gold. Exchange deposits are charged at 0% — that is, converting within the platform’s own crypto-to-crypto exchange costs 0.2%, separate from the deposit fee. The minimum top-up is not stated, and neither is who pays the network fee on the way in. On-chain network fees are charged by the blockchain itself rather than by the card provider, so they will appear in your wallet, not in TXBFI’s fee table.

Fiat is a separate route. The home page mentions local bank transfers and SEPA, with fees not stated.

Withdrawing is the gap I would flag hardest. Nothing on the public pages describes withdrawing crypto or moving money to a bank account, and nothing describes what happens to a remaining balance if you close the account. The account itself can be deleted in the app under Profile and Delete Account, or by email — which tells you the exit exists without telling you what you get on the way out. If your plan involves cashing out, that conversation needs to happen before you load, not after.

Paying with it every day

Daily use is where this card scores best, so it is worth being concrete.

Virtual cards support both Apple Pay and Google Pay, per the FAQ. Physical cards support Google Pay only. That is the FAQ’s position, and it sits in tension with a trust badge on the home page that implies both wallets for all tiers — a small conflict, but one you should resolve for your own tier rather than assume. Blocked merchant categories are not stated, which means you have no published list telling you which shops, subscriptions or ATM networks will refuse the card.

The rewards are the tidiest part of the offer:

• BTC cashback: 0.05% on Virtual, 0.1% on Plastic, 0.2% on Metal, 0.4% on Gold — uncapped, credited within 24 hours
• Brand discounts: 1% / 2% / 4% / 7–9% across the same four tiers

The cashback is genuinely uncapped, which almost nothing in this category manages, and it arrives in BTC rather than as a credit. Treat it as a small offset, not a return: 0.1% on Plastic is a tenth of a percent.

The app is where daily life actually happens, and it is not finished. The iOS build is a beta on TestFlight and the Android build is a beta through Google Play testing; the site says a V2 is launching soon; no store rating is published. A beta app is not a disqualifier — plenty of good products ship that way — but if you rely on your banking apps being stable, know that this one is pre-release on both platforms.

If a payment goes wrong, there is no chargeback process described. The terms specify Czech law and Czech courts, and a Complaints Policy is linked, but its text was not available to me. That is the weakest point in the everyday-use picture: a dispute route that is named but not readable, in a jurisdiction most users will not be in.

What can go wrong

I looked for incidents and found none — no official incidents, and no Trustpilot page or Reddit threads for TXBFI in a single search. Read that carefully. With no independent reviews available, absence of complaints is absence of evidence, not evidence of a clean record. A young product with no users has no complaints.

The company behind it is TheXBanky s.r.o., IČO 21932506, Děčínská 552/1, Střížkov, 180 00 Prague 8, Czech Republic. The site calls TXBFI a technology platform. The card issuer and programme manager are not named. The FAQ claims a VASP licence and EU and Czech anti-money-laundering compliance, but no licence number is given — and licences are precisely the thing you can check for free. The home page also shows an “Offshore Banking Sublicense” badge with no detail attached to it.

What that structure means in practice is worth spelling out for anyone deciding whether this matters to them. Visa and Mastercard do not issue crypto cards to consumers themselves; they license issuers, and they can suspend a programme. What you are buying from TXBFI is a programme on top of someone else’s licence, and the pages do not tell you whose. There is real precedent for a programme disappearing: Visa terminated its global agreements with FTX on 13 November 2022, and the FTX US debit card was wound down by its issuer. WaveCrest, a Visa issuer that supplied crypto card brands, was suspended by Visa in Europe in 2018, closing all WaveCrest-issued Visa programmes. Programme closures typically follow a pattern — a notice period, then spending and loading stop, then users are asked to withdraw remaining balances.

So the risk here is not fraud as much as dependency. Ask two questions before you commit money: who is the issuer, and what happens to my balance if the programme ends? Neither has a published answer.

On custody, the FAQ is reassuring and specific: TXBFI does not take custody of your assets or control your private keys, and assets are held by third-party providers. That is the good version. What it does not tell you is whether 2FA is available or whether you can freeze the card instantly in the app — the two controls people rely on most when a card is compromised — and neither is stated.

Support runs through Telegram, Discord, support tickets, a contact page, [email protected] and X. There is no news section and the blog is empty, so you have no way to judge how the company communicates when something goes wrong.

A note on taxes, since it affects the “cashback is free money” reading: in the US the IRS treats digital assets as property, so exchanging them for goods, services or dollars generally produces a taxable gain or loss, measured in local currency at fair market value on the transaction date. That means each card payment funded from crypto may be a separate disposal. I am not advising you on your taxes — but if you are in a tax jurisdiction that works this way, the BTC you receive as cashback is not outside the tax system.

What to take instead

None of these is a recommendation; they are the other options in this category, on the same scale, with the same scrutiny. Scores: Cardex 5.6, TakeCard 5.5, OkiCard 6.0 — all close to TXBFI’s 5.8, and none of them dramatically better.

Three contrasts are worth drawing out.

Networks and networks. TXBFI’s clearest advantage is that it publishes networks… except that it does not, which is the flaw. OkiCard publishes its chains in detail — BSC, Ethereum, Tron, Solana for USDT — which makes the deposit step predictable before you send anything. TakeCard’s chains come from unverified data I could not confirm on a page. If your comfort with sending funds depends on knowing exactly where the money is going, OkiCard’s disclosure is currently the better documented.

Cost structure. TXBFI’s per-payment cost on a same-currency spend is effectively zero on top of the deposit fee, which compares well with TakeCard’s flat 1% per purchase. But OkiCard’s 3% load fee is higher than TXBFI’s 2.6% at the entry tier, and OkiCard publishes its numbers without the internal contradictions that TXBFI’s ATM section carries. TakeCard is by far the cheapest to open at USD 5, with a 1% commission and no monthly fee stated.

Eligibility. Cardex claims 200+ countries but its app listing is Naira-focused, which suggests the real experience may be narrower than the headline. TakeCard’s physical card is Bolivia-only. OkiCard states its reach and, notably, says there is no geo-blocking based on passport — while TXBFI says nothing at all. For someone whose question is simply “will this work in my country”, OkiCard currently answers more usefully than TXBFI.

Who I would recommend it to

I would recommend the TXBFI card to one person: someone who already holds USDT or USDC, or one of the listed coins, who spends most of their balance in a single currency, who is comfortable with a beta app, and who has verified for themselves — not taken on trust — which networks their chosen asset must be sent on. For that person, a $25 virtual card, no monthly fee, uncapped BTC cashback and Apple Pay plus Google Pay is a good deal.

I would not recommend it as a first card, a primary bank card, or a card for someone who needs cash regularly in several countries. The reasons are the same ones that produced the 3 out of 10 for cost and 5 out of 10 for reliability: unpredictable ATM pricing between two pages, no monthly limits published, no named issuer, no licence number, a complaint policy I could not read, and no withdrawal terms.

Before you load money, there are five things worth resolving yourself:

• Which networks does the card support for the asset I want to send?
• Which card currency will my account settle in, and what does a foreign-currency purchase actually cost me end to end?
• Is Apple Pay available for my tier, or Google Pay only?
• Who is the issuer, and what is the published route to a refund or a chargeback?
• What happens to a remaining balance if I close the account?

None of these is a trick question. They are the ones I would ask in the support channel, and I would want answers in writing before sending a meaningful amount.

Frequently asked questions

What is the TXBFI card?

TXBFI is a Visa payment card that spends a crypto balance rather than a bank account. You load it with crypto, it converts to a spendable balance, and you pay with it like an ordinary card. It comes in four tiers: Virtual, Plastic, Metal and Gold, each a one-time purchase with no monthly fee. The card is issued by a third party the public pages do not name.

How does TXBFI card work?

You register online, pass identity verification, choose a tier and pay the one-off price, then top up with BTC, SOL, SUI, XRP, XLM, USDT or USDC. When you pay, the balance is drawn down. Most accounts are approved within 24 hours, and one account is allowed per person. The main practical difference between tiers is ATM access, spending limits and rewards.

Is TXBFI a bank?

No, and this matters for what protection you have. The site describes TXBFI as a technology platform, and the issuing institution behind the card is not named on the public pages. The FAQ claims a VASP licence and EU and Czech anti-money-laundering compliance, but no licence number is published. Money on a card like this is not the same as a bank deposit.

Which countries can get a TXBFI card?

TXBFI does not publish a list of eligible or excluded countries. The only statement is that service availability is subject to jurisdiction, eligibility, applicable law and provider requirements. Russia and Belarus are not mentioned, and neither is anywhere else. Treat that as undisclosed rather than as permission, and expect to find out by applying. If you are in a sanctioned jurisdiction, there is no legitimate route to eligibility.

Does TXBFI require KYC?

Yes. You need a government photo ID — passport, national ID or driver’s licence — and proof of address dated within the last three months, such as a utility bill or bank statement. There is a biometric liveness check and screening against sanctions, politically exposed persons and wallets. Only one KYC path is described, with no higher tier unlocking more.

How much does the TXBFI card cost?

Virtual is $25 as a launch promo, from $200 normally; Plastic $300 as a promo, from $500; Metal $1,000; Gold $10,000. There is no monthly or annual fee. Top-up costs 2.6% on Virtual and Plastic, 2.4% on Metal and 1.8% on Gold, and international transactions carry 0.6%. Upgrading costs the difference between tiers.

How do I top up the TXBFI card?

With BTC, SOL, SUI, XRP, XLM, USDT or USDC, or by fiat through local bank transfer and SEPA. The networks are not stated, which is the detail to resolve first — sending on the wrong chain can mean a lost deposit, because blockchain transfers are irreversible. The deposit fee is 2.6% at the lower tiers and falls as you upgrade. Minimum top-up is not stated.

Can I add the TXBFI card to Apple Wallet?

Per the FAQ, virtual cards support both Apple Pay and Google Pay, while physical cards support Google Pay only. A trust badge on the home page suggests both wallets across all tiers, so treat the FAQ as the more specific statement and check for your tier. There is no published list of blocked merchant categories, so some subscriptions and shops may still decline the card.

Is the TXBFI card safe?

The card’s own claim is that it is non-custodial — it says it does not take custody of your assets or control your private keys, with assets held by third-party providers. Two-factor authentication and in-app card freeze are not stated. The card issuer and licence numbers are not published, and I found no independent reviews. As with any card programme, keep your own records of payments and check your balance regularly.

Is the TXBFI card worth it?

Worth it if you already hold crypto, spend mainly in one currency, and want a Visa with no monthly fee, uncapped BTC cashback and mobile wallet support. Not worth it if you need a named bank, published withdrawal terms, clear monthly limits or predictable cash costs — the ATM fee is quoted as both a flat amount and a percentage on different pages. Decide after you have confirmed which networks and which card currency apply to you.

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