Utorg Crypto Card
by UTORG LABS HOLDING LTD
The Utorg Crypto Card is a virtual Visa in the non-custodial Utorg app. Utorg terms (last updated 17 September 2026) state the card service is provided by Chain Valley Sp. z o.o. with Wirex Pay and Wirex Limited. Since the August 2026 card migration, new cards are USD Visa cards (replacing Mastercard), topped up with USDC only (1 USDC = $0.9995; gasless top-ups on Ethereum, Polygon, Arbitrum, and Solana). Payments and FX are marketed at zero fees for a limited time (Visa/provider fees may apply on non-USD per help 28 Aug 2026). Monthly limits up to €30,000. Apple Pay and Google Pay. The card page lists availability for EEA countries; Ukraine also appears on the country grid. No live cashback.
Unique Features
- Non-custodial wallet architecture with fiat card integration
Pros
- Non-custodial wallet integration
- Limited-time zero fees on payments/FX (Visa/provider fees may apply on non-USD; help 28 Aug 2026)
- Quick issuance (Virtual)
- High monthly spending limit (up to €30k)
Cons
- Virtual only (No physical card available)
- No live cashback or rewards
- Restricted to EEA residents (Ukraine also listed on the issuer country grid)
Integrations & Tech
Available In (31)
Fee Structure
Fee Details
Payments and FX are marketed at zero fees for a limited time. Issuer help ('Welcome to Your New Utorg Card', 28 Aug 2026): Visa and the provider may apply a payment fee for any transaction except payments in USD. Standard network or spread fees may still apply to crypto-to-fiat conversions within the app. Top-up via USDC only; 1 USDC = $0.9995 on the card balance. Gasless USDC top-ups on Ethereum, Polygon, Arbitrum, and Solana carry a 0 USD commission.
Limits & Conditions
Card page (utorg.com/crypto-card, checked 12 Oct 2026): monthly limits up to €30,000. Issuer help ('Welcome to Your New Utorg Card', 28 Aug 2026): default maximum limit $30,000; individual limits can be increased on request through the partner. ATM withdrawals are not applicable as the card is virtual-only.
Crypto Capabilities
Security & Custody
Supported Assets
