A virtual card funded with Bitcoin or Monero — no KYC
BuyVirtualCards accepts Bitcoin and Monero (as well as USDT, USDC, ETH, LTC, TRX and SOL) to fund a virtual payment card in euros, US dollars or Hong Kong dollars — and it doesn't ask for an ID to open the account, only an email and a password. Once your deposit is credited it becomes an electronic-money balance that no longer moves with the market; the only fee is 1.5% per top-up. No identity verification — an email and a password open the account.
Bitcoin or Monero: which to send
| Bitcoin (BTC) | Monero (XMR) | |
|---|---|---|
| Privacy | Public ledger: amounts and addresses are visible | Private by default: sender, receiver and amount hidden |
| Confirmation | The slowest option on the list; two confirmations above $1,000 | Needs its own confirmations before crediting |
| Best for | Holders who keep savings in BTC | Buyers who don't want the top-up visible on-chain |
If speed matters more than privacy, USDT on TRON or Solana credit fastest.
What you can pay with the card
- Ad platforms such as Google Ads and social networks
- SaaS tools, AI assistants, cloud and hosting bills
- Subscriptions and app stores
- One-off online purchases, with single-use cards
Virtual only: there is no physical card and no ATM cash withdrawal.
Cards, fees, limits
| Card | Issuing region · currency | Cost | Get it |
|---|---|---|---|
| Euro card | European (EEA) BIN · EUR | Free to issue · 1.5% per top-up | Open Euro card |
| Dollar card | US BIN · USD | Free to issue · 1.5% per top-up | Open Dollar card |
| Hong Kong dollar card | Hong Kong BIN · HKD | Free to issue · 1.5% per top-up | Open Hong Kong dollar card |
| What buyers check | BuyVirtualCards |
|---|---|
| Identity verification (KYC) | None — email and password to open an account |
| Card types | Virtual cards only: EUR (European/EEA BIN), USD (US BIN), HKD (Hong Kong BIN); single-use cards available |
| Top-up coins | USDT (TRC-20/ERC-20), USDC (ERC-20), BTC, ETH, LTC, TRX, SOL, XMR |
| Fee | 1.5% on each top-up — no subscription, no issuance fee, nothing on declined payments |
| Limits | Top-up $50 minimum, $10,000 maximum per operation; $10,000 monthly spend; unlimited active virtual cards |
| Other charges | 0.9% conversion outside the card currency; outgoing bank transfer 1% (min $3) |
| Balance | Converted on receipt into electronic money — it doesn't follow the crypto market |
| Typical uses | Google Ads and other ad platforms, subscriptions, SaaS, online purchases |
| Support | Reply within 24 hours; site in 15 languages |
All top-up coins
| Coin | Ticker | Network | Good to know |
|---|---|---|---|
| Tether | USDT | TRON (TRC-20) | Recommended: best cost-to-speed ratio |
| Tether | USDT | Ethereum (ERC-20) | Save for larger amounts (higher gas) |
| USD Coin | USDC | Ethereum (ERC-20) | Stable value |
| Bitcoin | BTC | Bitcoin | Slowest to confirm |
| Ethereum | ETH | Ethereum | |
| Litecoin | LTC | Litecoin | Cheap, a little slower |
| TRON | TRX | TRON | Fast and cheap |
| Solana | SOL | Solana | Fastest |
| Monero | XMR | Monero | Private by default |
Before you buy
What will I really pay? Card issuance is free; a single 1.5% fee applies to each crypto top-up ($50 minimum, $10,000 maximum per operation). Spending outside the card currency costs 0.9%; nothing is charged on declined payments.
Which card should I pick? The one whose currency matches how the merchant bills: EUR (European BIN), USD (US BIN) or HKD (Hong Kong BIN).
What do I need to open an account? An email and a password — no identity verification.
Does my balance follow the crypto market? No, it's converted on receipt into electronic money in the card currency.
FAQ
Can I get a virtual card with Bitcoin and no KYC?
Yes. BuyVirtualCards opens accounts with an email and a password and accepts BTC top-ups (minimum $50) to fund EUR, USD or HKD virtual cards.
Can I top up a card with Monero?
Yes — XMR is one of the nine top-up options.
Does my card balance drop if Bitcoin falls?
No. The deposit is converted on receipt; the balance is electronic money and doesn't follow the crypto price afterwards.
What does it cost?
1.5% per top-up. Card issuance, extra cards and declined payments are free.
Is there a limit?
$50 minimum and $10,000 maximum per top-up; $10,000 monthly spend.
Our recommendation
Holding BTC or XMR and need a card for online payments without handing over an ID? BuyVirtualCards is the straightforward route.
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- Card for Google Ads — Fund Google Ads and other ad accounts from crypto: a virtual EUR, USD or HKD card topped up with USDT, BTC or XMR, no KYC, 1.5% top-up fee, unlimited cards.
- USDT virtual card — Turn USDT into a spendable virtual card: top up with Tether on TRON (TRC-20) or Ethereum (ERC-20), choose an EUR, USD or HKD card, 1.5% fee, email-only sign-up.
- Pay subscriptions with crypto — Use Bitcoin, USDT or Monero to pay SaaS tools, streaming, AI subscriptions and online shops: a crypto-funded virtual card with EUR, USD or HKD BIN, no KYC, 1.5% fee.