Tangem Pay Card: Fees, Plans, Cashback and Countries

Tangem Pay is a Visa card inside the Tangem Wallet app that spends a US-dollar balance you load with stablecoins or, in some regions, a bank transfer. The Basic plan is free and pays 1% cashback up to $100 a month. Plus costs $29.99 a month and pays 2% up to $300, per Tangem's Tangem Pay page. There's no fee on card purchases, but non-USD payments cost the Visa exchange rate plus 1.5%, per Tangem's fee schedule dated October 8, 2026. This guide covers each Tangem Pay fee, when Plus pays for itself, where the card is available, and how it compares with a prepaid card like SolCard.

Tangem makes hardware wallets. Tangem Pay is the spending account it added to the Tangem Wallet app, and the card that comes with it.

The key facts, from Tangem's about page and Tangem Pay page:

• Network: Visa. Basic cards are Visa Platinum and Plus cards are Visa Signature.
• Who runs it: Tangem Pay is provided by Paera LLC, a US company. The about page says the card is issued by Third National, with the program managed in partnership with Rain.
• Custody: Tangem calls Tangem Pay "a non-custodial payment account" and says the funds "stay onchain at all times." Your main holdings stay in the Tangem Wallet, and you can only spend what you've loaded into Tangem Pay.
• Card currency: US dollars. Purchases in other currencies are converted, which is where the FX fee comes in.
• Mobile wallets: you can add the card to Apple Pay or Google Pay, per Tangem's setup guide.

That split matters. A Tangem hardware wallet keeps your keys offline, but the Tangem Pay balance is the part you spend from. Treat it like a spending account and keep it topped up with only what you plan to use. If you're new to the difference between a wallet-linked card and a prepaid card, our explainer on what a crypto debit card is covers both.

Tangem sells Tangem Pay in tiers. Prestige is listed as "coming soon," so only Basic and Plus can be opened today. All figures are from the Tangem Pay page.

Tangem says the Plus waiver is "subject to eligibility," and that fees, limits and rewards may change before Prestige launches. The page lists other waiver routes too, so check the app for the conditions on your account.

Card spending is free in US dollars on every plan. Tangem says Plus has "no fees on card purchases," per its cashback announcement, and its fee schedule lists transaction fees at $0 and a replacement card at $1.

The costs that do apply:

• FX: "Visa Exchange Rate + 1.5%" on non-USD transactions, per the fee schedule.
• ATM withdrawals: 4% on Basic and 2% on Plus, per the Tangem Pay page. The Paypers reported a limit of $250 per withdrawal and three withdrawals in 24 hours. The ATM owner can add its own fee, which our crypto card ATM guide explains.
• Bank transfers: $1 by ACH or $11 by Fedwire to top up on Basic, free on Plus. Withdrawals to a bank cost $1 or $11 on both plans, per the Tangem Pay page.
• Network fees: sending stablecoins on-chain costs network gas, which goes to the network, not to Tangem.

Some older Tangem articles say the card adds nothing to the Visa rate. A July 2026 learning-hub post says "Tangem Pay does not add a markup to the Visa rate." The fee schedule dated October 8, 2026 lists the Visa rate plus 1.5%. The fee schedule is the newer, formal document, so plan on paying the 1.5%.

That 1.5% weighs more than it looks. On Basic, $1,000 spent in euros costs about $15 in FX and earns at most $10 in cashback, so a Basic user who spends mostly in a non-USD currency loses money on the exchange. Our guide to crypto card foreign transaction fees shows how FX fees compare across cards and how to avoid dynamic currency conversion at the till.

Plus doubles the cashback rate, so it pays for itself once the extra 1% covers the $29.99 fee. That happens at about $3,000 a month of eligible spending. From $4,500 of monthly spending the fee is waived, if you qualify.

The table compares Basic and Plus by monthly cashback, assuming all spending is in US dollars and every purchase qualifies for cashback.

Rates and caps are from Tangem's cashback announcement and fees from the Tangem Pay page.

Two things move these numbers in practice:

1. Not every purchase earns cashback. Tangem requires "a minimum transaction amount of $30," excludes some merchant categories, and says cashback "does not apply to in-store purchases at EU and UK merchants," per the cashback announcement. Coffees and small subscriptions under $30 count toward your spending, but they earn no cashback.
2. Plus saves on cash and bank top-ups. Withdrawing $500 at ATMs costs $20 on Basic and $10 on Plus. If you top up from a US bank by Fedwire, each transfer saves $11 on Plus.

So Plus suits people who either clear the $4,500 waiver or put roughly $3,000 or more a month through the card in purchases of $30 and up. Below that, Basic costs less.

Tangem's setup guide lists three ways in:

1. Stablecoins: send USDC or USDT on Polygon, Base, Arbitrum or BNB Smart Chain to your Tangem Pay address. Tangem's about page still describes funding with native USDC on Polygon, so check the networks shown in the app before you send, and never send from a network the app doesn't list.
2. In-app conversion: convert another asset in your Tangem Wallet to USDC inside the Pay screen.
3. Bank transfer: ACH (up to about 3 business days) or Fedwire (up to about 1 business day), in US dollars only. Tangem says bank funding "is available only in supported regions" and only appears if it's enabled for your verified account.

The Tangem Pay page now lists bank withdrawals at $1 by ACH or $11 by Fedwire on Basic and Plus. The older setup guide says "withdrawals via bank transfer are not supported" and describes withdrawing by converting back to crypto instead. Like bank top-ups, the bank route depends on your region, so check the app before you rely on it.

Tangem says Tangem Pay is available in select countries in the USA, LATAM, APAC, MEA and Africa, and that "not all countries within each region are supported," per its about page. Tangem doesn't publish a full country list. You confirm eligibility in the app by entering your country of residence.

That regional list doesn't name Europe or the UK. If you live there, check the app before you plan around the card.

Yes, for the card. Tangem says identity verification is required "ONLY for your Visa payment account," not for the wallet itself, per its about page. Verification runs through Sumsub, and the setup guide says it usually takes a couple of minutes.

Yes, in a limited first run. Tangem launched a physical Visa card on October 7, 2026, starting with up to 5,000 cards issued in the cardholder's name, per The Paypers. It works in stores and at ATMs alongside the virtual card. Check the app to see whether it ships to your country.

SolCard is a prepaid Visa / Mastercard card. Your top-up becomes a card balance held by the card program, not an account inside a hardware-wallet app. The cost structures differ too. Tangem Pay puts its costs on FX, ATMs and the Plus subscription, and pays cashback. SolCard puts its main cost on the top-up and a per-purchase fee, and has no cashback.

Sources: Tangem Pay page, Tangem fee schedule, Tangem setup guide, SolCard fees, and SolCard's help-centre fee breakdown for the $0.30 per purchase.

For US-dollar spending, Tangem Pay Basic costs less to run than either SolCard tier, as long as Tangem serves your country. SolCard is worth a look in a few cases. You might hold SOL or tokens on Solana or Ethereum, which Tangem's funding list doesn't include. You might live in a region Tangem's list doesn't cover. Or you might not want a card tied to one wallet app. SolCard's Virtual tier is capped at $10,000 a month and doesn't require ID verification. Platinum adds a physical card and Apple Pay or Google Pay.

SolCard has limits of its own. US residents can get Virtual but not Platinum, and the help centre lists restricted countries including Nigeria, Russia, South Africa and Ukraine. Like most prepaid cards, it often can't cover hotel or car-rental deposit holds. The virtual cards page has the Virtual tier's details, and /compare sets SolCard against other cards.

If Tangem serves your country and you spend mostly in US dollars, Tangem Pay Basic is a low-cost card. It has no plan fee, no purchase fee and 1% cashback on purchases of $30 or more. Plus makes sense at around $3,000 of eligible monthly spending, or once you clear the $4,500 waiver. Two things to check first: the 1.5% FX fee can outweigh Basic's cashback abroad, and bank top-ups and withdrawals depend on your region.

If your crypto sits on networks Tangem doesn't take, or you're outside its regions, SolCard is one alternative. Platinum has a 0% top-up and Virtual charges 5%. For more options, see our best crypto debit cards roundup and our USDT card guide.

The Basic plan is free, with no fee on card purchases, per the Tangem Pay page. You still pay the Visa rate plus 1.5% on non-USD purchases, 4% on ATM withdrawals, and $1 or $11 for bank transfers.

Visa. Basic cards are Visa Platinum and Plus cards are Visa Signature, per the Tangem Pay page.

1% on Basic, up to $100 a month, and 2% on Plus, up to $300 a month. It applies only to purchases of $30 or more and is paid in USDC at the end of each billing cycle, per Tangem's cashback announcement.

Tangem's setup guide lists USDC or USDT on Polygon, Base, Arbitrum and BNB Smart Chain. Check the networks shown in the app before you send.

Tangem's availability list names the USA, LATAM, APAC, MEA and Africa, not Europe, per its about page. If you hold a card, you can use it at European merchants that take Visa, but cashback doesn't apply to in-store purchases at EU and UK merchants.

No. Tangem says you "can only spend from the card balance you loaded first," and a payment larger than your balance is declined, per its credit or debit explainer.

Tangem Pay lives in the Tangem Wallet app, and the setup guide starts by scanning your Tangem Wallet when you tap Get card.