Ripio Card
by Digipayments S.A.U. & Pomelo Fintech Services S.A.S. (AR) / Dock Instituição de Pagamento S.A. (BR)
The Ripio Card is a prepaid Visa designed for the Latin American market, specifically Argentina and Brazil. The card is available in both physical and virtual formats and supports Apple Pay and Google Pay. It connects directly to the Ripio wallet, allowing users to spend any supported cryptocurrency or local fiat currency. It stands out for its straightforward cashback program which rewards crypto spending at 2% and fiat spending at 0.5%, without requiring staking or complex tier maintenance, with higher rates for new users in their first 30 days.
Unique Features
- Ability to spend any asset in the wallet
- Choice of cashback currency (USDT, BTC, ETH)
Pros
- Cashback on both Crypto (2%) and Fiat (0.5%) purchases
- No issuance or monthly maintenance fees
- Instant issuance of virtual card
- Double cashback bonus for new users (30 days)
Cons
- 0.5% fee on all crypto purchases
- Limited to Argentina and Brazil
- Custodial wallet (funds held by exchange)
Integrations & Tech
Available In (2)
Fee Structure
Fee Details
Argentina: 0.5% fee on purchases made with cryptocurrency only (Ripio help); no fees to obtain and use the card (AR card terms §2.1); foreign-currency purchases converted at the Banco de la Nación Argentina retail selling rate (Tipo de Cambio BNA) multiplied by 1.03, plus applicable taxes (AR terms §11.1). Brazil (Ripio Card terms, updated 22 Apr 2026): no sign-up or annual fee; Rede24Horas ATM withdrawal R$6.90 per operation; card reissue R$9.99 from the second card; FX: BR 5% cost on purchases in foreign currency, charged by the partner (§13.10). Third-party ATM operator fees may apply. FX tile left blank because the cost differs by country (BR 5%; AR BNA rate x 1.03).
Limits & Conditions
Argentina (Ripio help 'Límites y comisiones Ripio Card', daily transaction counts): ATM withdrawals 5, Extracash 5, local online 30, international online 20, local in-store 30, international in-store 20; no total daily amount limit. Daily purchase maximum can be edited in Tarjeta > Más acciones > Límites. AR card terms §1.2: no withdrawals can be made in or outside Argentina unless those functions are expressly enabled (Ripio's help lists ATM withdrawals). Brazil (Ripio Card terms): e-commerce R$10,000/day accumulated, in-person R$30,000/day; per-transaction ceilings R$6,000 (e-commerce) and R$7,000 (in-person); up to 30 e-commerce and 20 in-person transactions per day; no minimum per transaction.
Crypto Capabilities
Security & Custody
Supported Assets
