Tangem Pay vs Wise Card
Crypto native
E-money / FinTech
Verdict
- Wise Card scores higher overall (6.9 vs 4.8 out of 10).
- Tangem Pay is clearly stronger on: Cashback & rewards.
- Wise Card is clearly stronger on: Fees, Availability, FX & international, Limits & ATM.
- For 1,500 EUR/month of spend, Tangem Pay comes out about 93 EUR a year ahead on base-tier terms.
Tangem Pay is a good fit for
- People who want to keep control of their keys
- Stablecoin holders
Stronger on: Cashback & rewards
Wise Card is a good fit for
- Frequent travellers
Stronger on: Fees, Availability, FX & international, Limits & ATM
Score by criterion
| Criterion | Tangem Pay | Wise Card |
|---|---|---|
| Fees | 79 | 100 |
| Cashback & rewards | 30 | 12 |
| Availability | 3 | 100 |
| FX & international | 40 | 83 |
| Product features | 70 | 70 |
| Custody & security | 80 | 75 |
| Credit & financing | 30 | 30 |
| Limits & ATM | 20 | 51 |
| Transparency | 79 | 86 |
| Best for Cashback | 4.1 | 4.9 |
| Best for Travel | 4.3 | 7.4 |
| Best for Self-Custody | 6.7 | n/a |
| Best for DeFi Users | 5.9 | n/a |
| Best for Stablecoins | 6.1 | n/a |
| Best for High Spenders | 4.2 | 4.8 |
| Best for Low Fees | 6.0 | 8.6 |
| Best for Beginners | 6.1 | 7.8 |
| Best E-Money Card | n/a | 8.3 |
Product
Product status
ActiveShow source
Product status: Active
Source: Tangem Pay — The Visa Card for Your Crypto Wallet
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 80%
ActiveShow source
Product status: Active
Source: Fees for holding, receiving, and spending money
Official pricing / fee schedule (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Card type
Stablecoin card*Show source
Card type: Stablecoin card
Funded with USDC loaded in advance; no credit line
Source states (paraphrased): It is a virtual Visa card issued by Rain , funded with USDC, which you load first.
Source: Is Tangem Pay a Credit Card or a Debit Card?
Official announcement (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 80%
Funded with USDC loaded in advance; no credit line
Debit cardShow source
Card type: Debit card
Source states (paraphrased): Select the option to order your Wise debit card
Source: How to use the Wise card abroad: for Brits
Official announcement (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 95%
Network
VisaShow source
Network: Visa
Source: Tangem Pay — The Visa Card for Your Crypto Wallet
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%
Visa*Show source
Network: Visa
Visa in Ireland and the EEA; network depends on issuing country
Source states (paraphrased): In Ireland and across the EEA, the Wise card is a Visa debit card.
Source: Is Wise card debit or credit? - Wise
Official announcement (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%
Visa in Ireland and the EEA; network depends on issuing country
Custody model
Self-custodyShow source
Custody model: Self-custody
Source states (paraphrased): your assets remain in your own self-custodial smart contract throughout
Source: Help center | Partners & Roadmap
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Custodial*Show source
Custody model: Custodial
The provider holds the funds
Source states (paraphrased): Owner research: custodial
Source: Getting started with the Wise card
Official help center / FAQ (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
The provider holds the funds
Card issuer / program manager
Rain (issuer); Paera LLC (program provider)Show source
Card issuer / program manager: Rain (issuer); Paera LLC (program provider)
Source states (paraphrased): The Tangem Pay card is issued by Rain , a Visa Principal Member
Source: Help center | Partners & Roadmap
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 75%
Tiers / plans
Basic (free) · Plus ($29.99/month) · Prestige ($999/year, coming soon)*Show source
Tiers / plans: Basic (free) · Plus ($29.99/month) · Prestige ($999/year, coming soon)
Plus free with $4,500 monthly spend or $65,000 in Yield Mode; Prestige coming soon
Source states (paraphrased): Tangem Pay fixes this with its first membership tiers: Basic, Plus, and Prestige .
Source: Tangem Pay Tiers Explained: Basic, Plus, and Prestige
Official announcement (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
Plus free with $4,500 monthly spend or $65,000 in Yield Mode; Prestige coming soon
Fees
Monthly fee
Free*Show source
Monthly fee: Free
Basic tier; Plus $29.99/month
Source: Tangem Pay Tiers Explained: Basic, Plus, and Prestige
Official announcement (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Basic tier; Plus $29.99/month
Free*Show source
Monthly fee: Free
No subscription required
Source: Fees for holding, receiving, and spending money
Official pricing / fee schedule (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
No subscription required
Physical card fee
€7*Show source
Physical card fee: €7
Ireland page; one-time card order fee
Source states (paraphrased): Ordering a physical card | €7
Source: Is Wise card debit or credit? - Wise
Official announcement (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
Ireland page; one-time card order fee
Virtual card fee
Free*Show source
Virtual card fee: Free
Basic tier
Source states (paraphrased): Free virtual card. No monthly fees.
Source: Tangem Pay — The Visa Card for Your Crypto Wallet
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
Basic tier
Free*Show source
Virtual card fee: Free
Ireland page
Source states (paraphrased): Generating digital cards | Free
Source: Is Wise card debit or credit? - Wise
Official announcement (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
Ireland page
Replacement fee
$5*Show source
Replacement fee: $5
Virtual card replacement/additional card $5; plastic: delivery fee only (Basic and Plus); Prestige $0
Source states (paraphrased): Virtual: $5; Plastic: delivery fee only
Source: Tangem Pay Tiers Explained: Basic, Plus, and Prestige
Official announcement (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 75%
Virtual card replacement/additional card $5; plastic: delivery fee only (Basic and Plus); Prestige $0
€4*Show source
Replacement fee: €4
Ireland page; free if the card was expiring
Source states (paraphrased): Replacing a card | €4 - unless it was expiring in which case it’s free
Source: Is Wise card debit or credit? - Wise
Official announcement (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
Ireland page; free if the card was expiring
FX fee
1.5%*Show source
FX fee: 1.5%
Up to; Tangem pages show 1% and 1.5%
Source: Tangem Pay Tiers Explained: Basic, Plus, and Prestige
Official announcement (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 45%
Up to; Tangem pages show 1% and 1.5%
0.43%*Show source
FX fee: 0.43%
From; varies by currency pair; 0% when spending a currency you hold
Source: Fees for holding, receiving, and spending money
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 80%
From; varies by currency pair; 0% when spending a currency you hold
Top-up fee
$1*Show source
Top-up fee: $1
Bank top-up via ACH (free on Plus); FedWire $11 (comparison table says $10); crypto top-ups incur network fees
Source states (paraphrased): Send USD from your US bank account via ACH ($1 flat fee, free on Plus) or FedWire ($11 flat fee).
Source: Tangem Pay — The Visa Card for Your Crypto Wallet
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 75%
Bank top-up via ACH (free on Plus); FedWire $11 (comparison table says $10); crypto top-ups incur network fees
Free*Show source
Top-up fee: Free
Domestic bank transfer only; other payment methods have varying fees
Source states (paraphrased): it’s free if you send a domestic bank transfer to your Wise account details
Source: Fees for holding, receiving, and spending money
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 80%
Domestic bank transfer only; other payment methods have varying fees
ATM fee
4%*Show source
ATM fee: 4%
Basic tier; 2% on Plus
Source: Tangem Pay — The Visa Card for Your Crypto Wallet
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Basic tier; 2% on Plus
2.69%*Show source
ATM fee: 2.69%
Eurozone-issued cards, above the free allowance; ATM operators may add fees
Source: Card payments abroad from France: what are the fees
Official announcement (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%
Eurozone-issued cards, above the free allowance; ATM operators may add fees
Free ATM allowance
€250/month*Show source
Free ATM allowance: €250/month
Eurozone-issued cards; no limit on the number of free withdrawals
Source: Card payments abroad from France: what are the fees
Official announcement (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%
Eurozone-issued cards; no limit on the number of free withdrawals
Other fees & markups
Polygon gas fee on top-up (paid to the network) · Visa foreign-exchange fee on non-USD purchasesShow source
Other fees & markups: Polygon gas fee on top-up (paid to the network) · Visa foreign-exchange fee on non-USD purchases
Source states (paraphrased): Polygon gas fees apply when topping up the card (paid to the Polygon network, not to Tangem), and Visa foreign-exchange fees apply
Source: Is Tangem Pay a Credit Card or a Debit Card?
Official announcement (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%
Conversion fee when spending a currency not held in the account · Fee may apply to get or replace the card · ATM withdrawals free only up to a certain amount*Show source
Other fees & markups: Conversion fee when spending a currency not held in the account · Fee may apply to get or replace the card · ATM withdrawals free only up to a certain amount
Spending a currency you hold is free
Source states (paraphrased): There may be a fee to get or replace your card.
Source: Fees for holding, receiving, and spending money
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 80%
Spending a currency you hold is free
Cashback & rewards
Base cashback
1%*Show source
Base cashback: 1%
Basic tier; minimum $30 per transaction; monthly cap applies
Source: Cashback Is Here: Your Tangem Pay Spending Now Earns You Back
Official announcement (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%
Basic tier; minimum $30 per transaction; monthly cap applies
0%*Show source
Base cashback: 0%
No cashback on card spending (owner research)
Source states (paraphrased): Owner research: Wise has no cashback on card spending.
Source: https://wise.com/de/help/articles/b8sVSdAzytqVamfajSirb
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
No cashback on card spending (owner research)
Max cashback
4%*Show source
Max cashback: 4%
Prestige tier ($999/year, coming soon); Plus 2%
Source states (paraphrased): Earn up to 4% cashback
Source: Tangem Pay — The Visa Card for Your Crypto Wallet
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 75%
Prestige tier ($999/year, coming soon); Plus 2%
Cashback paid in
USDCShow source
Cashback paid in: USDC
Source: Cashback Is Here: Your Tangem Pay Spending Now Earns You Back
Official announcement (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Cashback type
StablecoinShow source
Cashback type: Stablecoin
Source: Cashback Is Here: Your Tangem Pay Spending Now Earns You Back
Official announcement (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
None*Show source
Cashback type: None
No cashback on card spending (owner research); Wise's 'balance cashback' is interest on the balance, recorded as interest
Source states (paraphrased): Owner research: Wise has no cashback on card spending.
Source: https://wise.com/de/help/articles/b8sVSdAzytqVamfajSirb
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
No cashback on card spending (owner research); Wise's 'balance cashback' is interest on the balance, recorded as interest
Interest on balance
2.4%*Show source
Interest on balance: 2.4%
Balance cashback for EEA customers on USD balances (September 2026, annualised, variable); EUR 1.20%, GBP 2.20%; 30% Belgian withholding tax deducted; minimum balance applies
Source states (paraphrased): Für anrechnungsfähige Guthaben auf Wise-Konten im September 2026 zahlte Wise einen annualisierten Cashback-Satz von: 1,20% für jeden EUR-Betrag 2,20% für jeden GBP-Betrag 2,40% für jeden USD-Betrag
Source: https://wise.com/de/help/articles/b8sVSdAzytqVamfajSirb
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Balance cashback for EEA customers on USD balances (September 2026, annualised, variable); EUR 1.20%, GBP 2.20%; 30% Belgian withholding tax deducted; minimum balance applies
Cashback-eligible spend cap
$10,000/month*Show source
Cashback-eligible spend cap: $10,000/month
Basic tier, per month; Plus $15,000
Source states (paraphrased): That means up to $10,000 in monthly spending is eligible.
Source: Cashback Is Here: Your Tangem Pay Spending Now Earns You Back
Official announcement (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
Basic tier, per month; Plus $15,000
Max cashback per month
$100/month*Show source
Max cashback per month: $100/month
Basic tier; Plus $300, Prestige $1000
Source states (paraphrased): Basic tier users earn 1% back on all eligible purchases, capped at $100 per month.
Source: Tangem Pay — The Visa Card for Your Crypto Wallet
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
Basic tier; Plus $300, Prestige $1000
Cashback conditions
Minimum transaction amount of $30 · Credited in USDC at the end of each billing cycleShow source
Cashback conditions: Minimum transaction amount of $30 · Credited in USDC at the end of each billing cycle
Source states (paraphrased): Cashback requires a minimum transaction amount of $30.
Source: Cashback Is Here: Your Tangem Pay Spending Now Earns You Back
Official announcement (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
Reward exclusions
In-store purchases (incl. tap-to-pay) at EU and UK merchants · Excluded merchant category codes listed in the cashback termsShow source
Reward exclusions: In-store purchases (incl. tap-to-pay) at EU and UK merchants · Excluded merchant category codes listed in the cashback terms
Source states (paraphrased): cashback does not apply to in-store purchases at EU and UK merchants.
Source: Cashback Is Here: Your Tangem Pay Spending Now Earns You Back
Official announcement (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
Credit & financing
Credit line
NoShow source
Credit line: No
Source states (paraphrased): USDC goes in first, Visa handles the payment, and no credit line is created.
Source: Is Tangem Pay a Credit Card or a Debit Card?
Official announcement (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
NoShow source
Credit line: No
Source states (paraphrased): you’re not borrowing any money
Source: Is Wise card debit or credit? - Wise
Official announcement (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%
Credit type
NoneShow source
Credit type: None
Source states (paraphrased): USDC goes in first, Visa handles the payment, and no credit line is created.
Source: Is Tangem Pay a Credit Card or a Debit Card?
Official announcement (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%
Spend own balance directly
YesShow source
Spend own balance directly: Yes
Source states (paraphrased): the money is coming directly from the balance in your Wise Account
Source: Is Wise card debit or credit? - Wise
Official announcement (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%
Availability
Available in
United States*Show source
Available in: United States
Not all US states; plus select countries in LATAM, APAC, MEA and Africa (no list published on the page)
Source: Tangem Pay — The Visa Card for Your Crypto Wallet
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 80%
Not all US states; plus select countries in LATAM, APAC, MEA and Africa (no list published on the page)
Australia, Brazil, Canada, EEA, Switzerland, GF, GP, MQ, YT, RE, BL, MF, Israel, Japan, Malaysia, New Zealand, Philippines, Singapore, Thailand, United Kingdom, FK, GG, GI, IM, JE, KY, AD, MC, PM, SX, United States*Show source
Available in: Australia, Brazil, Canada, EEA, Switzerland, GF, GP, MQ, YT, RE, BL, MF, Israel, Japan, Malaysia, New Zealand, Philippines, Singapore, Thailand, United Kingdom, FK, GG, GI, IM, JE, KY, AD, MC, PM, SX, United States
Personal customers; USA except residents of Nevada; Thailand only for accounts registered on or after 21 January 2026; business customers in Malaysia excluded; includes French overseas departments/regions and UK-linked European microstates and overseas territories
Source states (paraphrased): The Wise card is available to personal customers that live in these countries and regions:
Source: Can I get the Wise card in my country?
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
Personal customers; USA except residents of Nevada; Thailand only for accounts registered on or after 21 January 2026; business customers in Malaysia excluded; includes French overseas departments/regions and UK-linked European microstates and overseas territories
Not available in
Hong Kong*Show source
Not available in: Hong Kong
Cards are blocked on moving to Hong Kong; no new card offered
Source states (paraphrased): If you move to Hong Kong, we have to automatically block your Wise cards
Source: Can I get the Wise card in my country?
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 80%
Cards are blocked on moving to Hong Kong; no new card offered
Account / spend currencies
USDShow source
Account / spend currencies: USD
Source states (paraphrased): The card currency is USD
Source: Tangem Pay — The Visa Card for Your Crypto Wallet
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
EUR · GBP · USD · and many moreShow source
Account / spend currencies: EUR · GBP · USD · and many more
Source: Getting started with the Wise card
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Own IBAN / bank details
Yes*Show source
Own IBAN / bank details: Yes
US routing and account number (ACH/FedWire), not an IBAN
Source states (paraphrased): Your Tangem Pay account has its own routing number and account number.
Source: Tangem Pay — The Visa Card for Your Crypto Wallet
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 75%
US routing and account number (ACH/FedWire), not an IBAN
Yes*Show source
Own IBAN / bank details: Yes
Personal accounts; business accounts may pay a one-time setup fee
Source states (paraphrased): Getting account details is free for personal accounts.
Source: Fees for holding, receiving, and spending money
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 80%
Personal accounts; business accounts may pay a one-time setup fee
Features
Apple Pay
YesShow source
Apple Pay: Yes
Source states (paraphrased): add your card to Apple Pay or Google Pay
Source: Tangem Pay — The Visa Card for Your Crypto Wallet
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
YesShow source
Apple Pay: Yes
Source states (paraphrased): add them to a mobile wallet such as Apple Pay or Google Pay
Source: Getting started with the Wise card
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
Google Pay
YesShow source
Google Pay: Yes
Source states (paraphrased): add your card to Apple Pay or Google Pay
Source: Tangem Pay — The Visa Card for Your Crypto Wallet
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
YesShow source
Google Pay: Yes
Source states (paraphrased): add them to a mobile wallet such as Apple Pay or Google Pay
Source: Getting started with the Wise card
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
Physical card
Yes*Show source
Physical card: Yes
Page elsewhere mentions up to three virtual cards
Source states (paraphrased): you can open up to five virtual and plastic Visa cards
Source: Help center | What is Tangem Pay
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 75%
Page elsewhere mentions up to three virtual cards
YesShow source
Physical card: Yes
Source states (paraphrased): This applies to both physical and digital cards.
Source: Can I get the Wise card in my country?
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
Virtual card
YesShow source
Virtual card: Yes
Source states (paraphrased): You receive a virtual Visa card.
Source: Tangem Pay — The Visa Card for Your Crypto Wallet
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 95%
YesShow source
Virtual card: Yes
Source states (paraphrased): This applies to both physical and digital cards.
Source: Can I get the Wise card in my country?
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
ATM withdrawals
Yes*Show source
ATM withdrawals: Yes
Contactless ATMs only, via Apple Pay or Google Pay
Source states (paraphrased): You can withdraw cash at any contactless ATM.
Source: Tangem Pay — The Visa Card for Your Crypto Wallet
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
Contactless ATMs only, via Apple Pay or Google Pay
YesShow source
ATM withdrawals: Yes
Source states (paraphrased): Withdrawing cash from ATMs is free up to a certain amount.
Source: Fees for holding, receiving, and spending money
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
Spend stablecoins
YesShow source
Spend stablecoins: Yes
Source: Tangem Pay — The Visa Card for Your Crypto Wallet
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Airport lounge access
No*Show source
Airport lounge access: No
Basic (free) has no free visits (paid); Plus 2 and Prestige 8 free visits/year, marked coming soon. Only Plus and Prestige tiers.
Source states (paraphrased): Enjoy complimentary access to airport lounges worldwide with included Priority Pass/Dragon Pass visits.
Source: Tangem Pay — The Visa Card for Your Crypto Wallet
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Basic (free) has no free visits (paid); Plus 2 and Prestige 8 free visits/year, marked coming soon. Only Plus and Prestige tiers.
Travel / rental car insurance
No*Show source
Travel / rental car insurance: No
Auto rental insurance only on Plus and Prestige; Basic is 'Not Insured'.
Source states (paraphrased): Coverage for accidental damage when you pay for your rental car with your card.
Source: Tangem Pay — The Visa Card for Your Crypto Wallet
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Auto rental insurance only on Plus and Prestige; Basic is 'Not Insured'.
Purchase protection
No*Show source
Purchase protection: No
Purchase protection and extended warranty only on Plus and Prestige; Basic is 'No'.
Source states (paraphrased): Coverage against theft or accidental damage on eligible purchases.
Source: Tangem Pay — The Visa Card for Your Crypto Wallet
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Purchase protection and extended warranty only on Plus and Prestige; Basic is 'No'.
Spendable assets
USDC · USDTShow source
Spendable assets: USDC · USDT
Source states (paraphrased): Send USDC or USDT on Polygon, Base, BNB Smart Chain, or Arbitrum to your Tangem Pay deposit address.
Source: Tangem Pay — The Visa Card for Your Crypto Wallet
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
Blockchains
Polygon · Base · BNB Smart Chain · ArbitrumShow source
Blockchains: Polygon · Base · BNB Smart Chain · Arbitrum
Source states (paraphrased): Send USDC or USDT on Polygon, Base, BNB Smart Chain, or Arbitrum to your Tangem Pay deposit address.
Source: Tangem Pay — The Visa Card for Your Crypto Wallet
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
Limits
ATM limit
$250*Show source
ATM limit: $250
Per transaction; up to 3 withdrawals per 24 hours
Source states (paraphrased): Your maximum withdrawal is $250 per transaction.
Source: Tangem Pay — The Visa Card for Your Crypto Wallet
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
Per transaction; up to 3 withdrawals per 24 hours
Spending limit
$10,000*Show source
Spending limit: $10,000
Per day, Basic tier; Plus $50,000, Prestige $100,000
Source states (paraphrased): $10,000 daily spending limit
Source: Tangem Pay — The Visa Card for Your Crypto Wallet
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
Per day, Basic tier; Plus $50,000, Prestige $100,000
Security & custody
Regulation / licences
Wise Europe SA: authorised payment institution supervised by the National Bank of Belgium*Show source
Regulation / licences: Wise Europe SA: authorised payment institution supervised by the National Bank of Belgium
EU entity
Source states (paraphrased): In the EU, Wise Europe SA is an authorised payment institution supervised by the National Bank of Belgium.
Source: How our EU entity, Wise Europe SA, safeguards customer funds | Wise Help Centre
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 75%
EU entity
Deposit protection
No*Show source
Deposit protection: No
Funds safeguarded (cash at commercial banks and money market funds), not covered by the Belgian Deposit Guarantee Scheme; Assets investment feature has separate Estonian Guarantee Fund protection
Source states (paraphrased): our payment services aren't subject to the Belgian Deposit Guarantee Scheme
Source: How our EU entity, Wise Europe SA, safeguards customer funds | Wise Help Centre
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
Funds safeguarded (cash at commercial banks and money market funds), not covered by the Belgian Deposit Guarantee Scheme; Assets investment feature has separate Estonian Guarantee Fund protection
Annual cost at 1,500 EUR/month
Tangem Pay
- Annual & monthly fees+0 EUR
- FX costs−54 EUR
- Crypto conversion–
- ATM costs−48 EUR
- Cashback+180 EUR
- Net annual value78 EUR
Wise Card
- Annual & monthly fees+0 EUR
- FX costs−15 EUR
- Crypto conversion–
- ATM costs+0 EUR
- Cashback+0 EUR
- Net annual value-15 EUR
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers