# A virtual card funded with Bitcoin or Monero — no KYC

> Spend Bitcoin or Monero online with a virtual EUR, USD or HKD card. No ID to open the account, 1.5% top-up fee, balance protected from volatility once credited.

Canonical: https://buyvirtualcards.com/bitcoin-monero-virtual-card · BuyVirtualCards · Updated 2026-09-25

**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.

**[Open an account](https://buyvirtualcards.com/en/app/signup.html)**
**[Pricing & limits](https://buyvirtualcards.com/en/pricing.html)**

## 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](https://buyvirtualcards.com/en/cards.html) |
| **Dollar card** | US BIN · USD | Free to issue · 1.5% per top-up | [Open Dollar card](https://buyvirtualcards.com/en/cards.html) |
| **Hong Kong dollar card** | Hong Kong BIN · HKD | Free to issue · 1.5% per top-up | [Open Hong Kong dollar card](https://buyvirtualcards.com/en/cards.html) |

| 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.

**[Fund my card with BTC or XMR](https://buyvirtualcards.com/en/app/signup.html)**

## Related guides

- [Best crypto virtual cards](https://buyvirtualcards.com/best-crypto-virtual-cards) — Need a virtual card funded with USDT, Bitcoin or Monero without ID checks? BuyVirtualCards vs exchange cards, bank cards and gift cards: fees, KYC, coins and uses.
- [Card for Google Ads](https://buyvirtualcards.com/virtual-card-google-ads-crypto) — 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](https://buyvirtualcards.com/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](https://buyvirtualcards.com/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.