Providers publish fees in very different shapes: a one-time card price, a percentage on top-ups, a fee per purchase, or nothing public at all. This table lists what each provider states on its own pages, as checked on 29 October 2026. It is a reading aid, not a ranking: the rows are not directly comparable.
- Lowest stated top-up rates in our data: 0% on the Laso Finance USA card, 1% per purchase on Moon X, 1.2%–2.1% on Xkard plans.
- Highest: 5% on CardUpNow, CasherCard, RivoCard and the starting rate at WaldenPay and Nocturne; $2 + 8% at VCCPRO.
- Several providers publish no fee table: ZexoCard, ZeroID, Leading Cards, DigitalPurse.
Published fees by provider
| Card | Card price | Top-up or other fee | Monthly |
|---|---|---|---|
| WaldenPay | $10 once | 5% easing to 3% by rolling 30-day spend; $25 minimum top-up | $0 |
| Nocturne | $10 / $25 / $45 once (Eclipse / Shadow / Aurora) | 0.49% deposit; card load 5% easing to 3.5% | $0, but $29 monthly activity needed |
| IZIPAY | From $49.99 once | Flat 3% | $0 |
| Azura | $5 launch offer (regular $10) | 4% top-up plus deposit fee | $29 monthly spend to stay active |
| Moon | Moon X: first card free, extra $2.99 | 1% per purchase, minimum $1 | Not stated |
| woocard | 9 USDT Standard / 85 USDT VIP | 2.8% USD top-up, possible 1 USDT fixed fee | $0 |
| RivoCard | Free on Starter | 5% when loading funds | $0 on Starter |
| CardUpNow | Not stated on page checked | 5% on crypto deposits | Not stated |
| CasherCard | Not stated | 5% top-up, 0% decline fee | Not stated |
| VCCPRO | $5 issuance | $2 + 8% | $0 |
| Agora Cards | Not stated | 2% top-up; $0.35 + 1.5% per virtual purchase; 1.5% FX | Not stated |
| Laso Finance | Not stated | International card 3.8%; USA card 0% | Not stated |
| Pintopay | Not stated | 2.5% advertised | Not stated |
| BingCard | Not stated | 1% deposit, 2% withdrawal, 0%–1% transaction by BIN | Not stated |
| XHYPE / Xkard | Essential $10/year; Premium $58; Whale $70 (1 year) | 2.1% / 1.8% / 1.2% top-up | Annual plans |
| Gpayvcc | Issue fee from $5 (some $10 or $15) | Fixed issue fee on card value | $0 |
| Foton Card | $0 account creation | None published on homepage | Not stated |
| 0fiat | Zero | Zero issuance and transaction fees; you pay network gas | Zero |
First-load cost for our Top 3
For the three cards in our Top 3, the provider price pages let us compute a first $100 load: WaldenPay $15 in total, Nocturne about $30.49 on Shadow, and IZIPAY $62.99 on the Apple Pay Mastercard. The number depends on which card you pick and on the fee tier you start at.
Where the fine print sits
Three providers publish no public fee table: ZexoCard shows fees in its dashboard, Leading Cards in its account dashboard, and ZeroID publishes no fee table. We list no number for them because none is public. LinkPay publishes plan examples such as 1% deposit, 2% (minimum $2) transaction and 3% (minimum $5) withdrawal, with the Ultra plan listed at $299 per month. A card with a $0 monthly fee can still retire an idle card: Nocturne and Azura both state a $29 monthly activity or spend requirement.
How to compare
Work out the cost of your own first load: card price plus top-up fee on the amount you plan to add. Then check the provider’s price page again, since fees and launch offers change. For the KYC side of the same cards read no-KYC vs KYC crypto cards, and for caps see published limits.