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Onboard Flex Card: fund it your way, spend it worldwide. A virtual Visa card that works with Apple Pay and Google Pay
PREPAID · VISANo annual fee

Onboard Flex Card

by Onboard · Nigeria, Indonesia, Kenya and most other…

The Onboard Flex Card is a virtual US dollar Visa card you load with USDT, USDC or local currency and use online or through Apple Pay and Google Pay. The first card is free and there is no monthly fee. Each top-up costs 1.25%, US-dollar purchases from US merchants are free, and other purchases cost 1.5% plus $0.30. It pays no cashback. Limits are $5,000 a day and $20,000 a month. Onboard serves most countries, but not the United States, India, Turkey or 47 others.

By the cryptocards.one team·Terms checked October 8, 2026·Referral link, see our affiliate disclosure
Onboard logo
Onboard Flex Card
PREPAID
VISA
MAX REWARD
None
ANNUAL FEE
Free
FX FEE
1.5% + $0.30
VERDICT

Is the Onboard Flex Card worth it?

The Onboard Flex Card is a prepaid card on Visa, with no annual fee. Whether it suits you comes down to the trade-offs below.

GOOD FIT IF

  • you want a card with no annual fee
  • you want to start spending the day you sign up

THINK TWICE IF

  • you want cashback on your spending — this card has no published cashback rate
  • you want to hold your own keys — this card is custodial
KEY FACTS

The card at a glance

CARD TYPE
Prepaid
Card category
NETWORK
Visa
Where it's accepted
ANNUAL FEE
Free
Cost to hold the card
MAX REWARD
None
Top published rate
See reward details ↓
REWARDS IN
No cashback
How rewards are paid
FX FEE
1.5% + $0.30
On foreign-currency spend
See fee details ↓
REGION
Nigeria, Indonesia, Kenya and most other countries worldwide (NOT available in: Afghanistan, Algeria, Belarus, Burundi, Central African Republic, China, Comoros, Democratic Republic of the Congo, Republic of the Congo, Cuba, Gambia, Iran, Iraq, Kyrgyzstan, Lebanon, Liberia, Libya, Maldives, Myanmar, Nicaragua, North Korea, Russia, São Tomé and Príncipe, Serbia, Somalia, South Sudan, Sudan, Suriname, Svalbard and Jan Mayen, Syria, Tajikistan, Togo, Tokelau, Turkmenistan, Ukraine, United States, Uzbekistan, Venezuela, Wallis and Futuna, Yemen, Zimbabwe, Cyprus, India, Israel, Montenegro, Nepal, North Macedonia, Palestine, Turkey, Vietnam)
Where it's available
STAKING
Not required
Lock-up to earn rewards
WAYS TO FUND THE CARD
USDT or USDC from a wallet · bank transfer in Nigerian naira, Indonesian rupiah or Kenyan shillings · another Onboard balance
Stablecoin top-ups usually arrive within 5 minutes. Other crypto has to go through Onboard's Trading Wallet, where it is sold for US dollars before it reaches the card.
IN-STORE PAYMENTS
Only through Apple Pay or Google Pay
Whether the card can be added to Apple Pay depends on the country you registered with Onboard, not on your phone's region. Onboard's own example is Nigeria, where Apple Pay is not offered, so tap-to-pay does not work for accounts registered there.
NUMBER OF CARDS
Up to 3
Each card can be given a name, such as Subscriptions or Shopping, and can be frozen or deleted in the app. Deleting a card moves what is left on it to your Onboard cash balance.
CARD VALIDITY
6 years from creation
IDENTITY CHECK
Photo ID and a selfie
A passport, driving licence or national ID card. A number-only check, such as Nigeria's NIN, is not enough for the Flex Card. Onboard says verification usually completes within seconds, and that some submissions go to manual review.
ISSUER
Third National, under licence from Visa
Onboard's wallet terms describe the card as issued in partnership with Rain. Onboard is a brand of Nestcoin Holding Limited. For users in Nigeria, the card terms say it is marketed by Banex Microfinance Bank, which is licensed by the Central Bank of Nigeria.
BLOCKED MERCHANTS
Gambling, crypto platforms, money transfer services, securities brokers, dating services
Also blocked: other financial services companies, telemarketing merchants and massage parlours. Onboard adds that payments billed in a local currency can be declined; the Apple App Store, for example, only accepts the card when the Apple ID is set to the US region.
REWARDS

No cashback rate

Reward summary

No cashback rate is published for this card.

  • Onboard pays no cashback or points on card spending.
  • Its only incentive is a referral programme: you and a friend each get $5 when the friend signs up with your code and spends $150 on a Flex Card within 45 days, up to $200 in total for the person referring.
COSTS

Fees you'll actually meet

Annual fee
Cost to hold the card each year
Free
Monthly fee
Recurring account cost
None
FX spread
Applied on foreign-currency spend
1.5% + $0.30
Charged on purchases in any currency other than US dollars, and on US-dollar purchases from a merchant based outside the United States. US-dollar purchases from US merchants are free. Onboard says the fee is included in the amount you are charged, not billed separately later. Its Flex Card terms allow up to 3% plus $0.30.
ATM withdrawal
Cash withdrawal cost
Not available
The Flex Card is virtual only, and Onboard's card terms say cash advances are not available.
Crypto conversion
When spending crypto directly
1.25%
Onboard charges 1.25% each time you add money to the card, whether you pay with stablecoins, local currency or another Onboard balance. USDT and USDC sent on Tron cost a further $1.25, and on Ethereum $0.10. The fee is taken before the balance is credited, so it takes about 1.0125 USDT to put $1 on the card. Bitcoin, SOL and other crypto are sold for US dollars in Onboard's Trading Wallet first, at the market rate.
Issuance fee
One-off cost to get the card
Free
Your first Flex Card is free and each further card costs $2. You can have up to 3, and Onboard counts cancelled cards towards the 3.
Inactivity fee
Charged if the card goes unused
None
Onboard's fee list, which it describes as a complete reference of every fee, shows no inactivity or maintenance fee. $1 must stay on an active card, and a card that falls below the minimum balance is frozen until you fund it again.
Taking money off the card
Back to another Onboard balance, to a bank account in NGN, IDR, KES or UGX, or to a wallet in USDT or USDC. $1 must stay on an active card.
Free
Declined payments
Onboard warns that frequent declines can still lead to a card being closed, and says it gives notice first.
No charge
Merchant refunds
If the card has been deleted by then, the refund goes to your Onboard cash balance.
Back to the card, within up to 30 days
SPENDING LIMITS

How much you can spend

Published by the issuer. One set of limits applies wherever the card is available.

Onboard Flex Card spending limits by country
CountryPer dayPer month
All available countries$5,000$20,000

Higher limits are available on request. Each top-up must be between $1 and $5,000, and $1 has to stay on an active card.

VERDICT

Strengths and trade-offs

WORKS FOR YOU IF

  • First card free, with no monthly or annual fee
  • No fee on US-dollar purchases from US merchants
  • Works with Apple Pay and Google Pay for in-store payments
  • Fund with USDT, USDC, or by bank transfer in naira, rupiah or shillings
  • Free to move money off the card, to a bank account or a stablecoin wallet
  • No charge for declined payments
  • $5,000 a day and $20,000 a month, with higher limits on request
  • Up to 3 cards that you can name, freeze and delete

LOOK ELSEWHERE IF

  • No cashback or rewards
  • 1.25% fee on every top-up, plus $1.25 on Tron or $0.10 on Ethereum
  • 1.5% + $0.30 on non-USD purchases, and on US-dollar purchases from merchants outside the US
  • Virtual only: no physical card and no ATM withdrawals
  • Not available in the United States, India, Turkey and 47 other countries
  • Photo ID check required
  • Gambling, crypto platforms, money transfer services, brokers and dating services are blocked
  • Apple Pay depends on the country you registered with, so in-store payments don't work everywhere
STANDOUT FEATURES

What sets it apart

  • Top up in local currency: Nigerian naira, Indonesian rupiah or Kenyan shillings
  • Free withdrawals from the card back to a bank account or stablecoin wallet
  • Separate named cards for subscriptions, shopping and other spending
  • Card statements on demand in the app
✓ Apple Pay✓ Google Pay✓ iOS app✓ Android app✓ No staking
ABOUT THIS CARD

Common questions

Where can I use the Onboard Flex Card?

Does the Onboard Flex Card have an annual fee?

Does the Onboard Flex Card pay cashback?

Does it work with Apple Pay and Google Pay?

Figures on this page come from Onboard's published card terms and were verified on October 8, 2026. Rewards, fees and availability change often and vary by region. See our methodology for how we score and verify every card. This is not financial advice.

ONBOARD
Onboard Flex Card
No annual fee · 1.5% + $0.30 FX
Apply now →
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