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Privacy Gateway Card

by Privacy Gateway · Worldwide, wherever Visa is accepted (NOT…

The Privacy Gateway Card is a virtual prepaid Visa card in US dollars that needs only a name and an email, with no ID check. It is funded with Monero, bitcoin, ether, Litecoin, Solana, Zano, Beldex or stablecoins, at a 3.5% fee on each top-up, and costs $60 once to issue ($120 from 2027). US dollar purchases are free and the limit is $10,000 a month, or $50,000 for $15 a month. The balance cannot be withdrawn, an invite code is needed, and the issuer is not named.

By the cryptocards.one team·Terms checked October 16, 2026·Referral link, see our affiliate disclosure
Privacy Gateway Card — Prepaid card — on the Visa network
MAX REWARD
None
ENTRY PRICE
$60 one-time
BASE FX FEE
1.5%
VERDICT

Is the Privacy Gateway Card worth it?

The Privacy Gateway 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
  • you'd rather not upload ID documents up front

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
None
No yearly fee. The card is paid for once, with the issuance fee.
MAX REWARD
None
Top published rate
See reward details ↓
FX FEE
1.5%
On foreign-currency spend
See fee details ↓
REGION
Worldwide, wherever Visa is accepted (NOT available at merchants based in: Pakistan, Ukraine, Venezuela, Cuba, Iran, Russia, North Korea, Syria, Afghanistan, Yemen)
Where it's available
STAKING
Not required
Lock-up to earn rewards
CARD ISSUER
Not named
Privacy Gateway says it is not a bank, financial institution or card issuer, and that the card is issued and managed by licensed third-party providers, which it does not name.
WHAT YOU GIVE
A name for the card and an email
No ID, selfie or address check. A phone number is optional and only used for 3D Secure codes by SMS; without one, you approve online purchases in the dashboard, which has to stay open while you pay.
HOW YOU SIGN IN
With an access hash, no account or password
The hash appears on the payment page a few minutes after you pay. It is the only way into the card, and Privacy Gateway says you are responsible for keeping it safe.
INVITE CODE
Needed to order a card
The sign-up steps ask for an invite code before payment, with links to Privacy Gateway's Telegram and Signal support.
COINS ACCEPTED
XMR, BTC, ETH, LTC, SOL, ZANO, BDX, USDT, USDC, FUSD
USDT and USDC on Polygon, Ethereum or Solana; FUSD on Zano. The token and network must match the payment screen exactly; Privacy Gateway says a mistake can usually be recovered by hand, but it takes time. Top-up addresses expire after a few hours.
TOP-UP RANGE PER TRANSFER
BTC 0.001–0.1 · ETH 0.05–5 · LTC 1–100 · SOL 1–100 · XMR 0.1–20 · ZANO 10–500 · BDX 2,000–50,000 · FUSD from 20
Typical time to credit: about 5 minutes for stablecoins and SOL, 10 for ETH and LTC, 30 for XMR and ZANO, 45 for BTC and 45 to 60 for BDX. Transfers below the minimum may not be credited automatically.
GETTING MONEY BACK OUT
Not possible
What you load can only be spent: it cannot be sent back to crypto or refunded, and neither can the issuance fee. Refunds from merchants do come back to the card. Privacy Gateway advises loading only what you plan to spend.
RESTRICTED MERCHANT COUNTRIES
Pakistan, Ukraine, Venezuela, Cuba, Iran, Russia, North Korea, Syria, Afghanistan, Yemen
Purchases are declined at merchants based in these countries, which Privacy Gateway puts down to fraud rates and sanctions. Elsewhere it works online and, through Google Pay, in shops, though some online merchants accept only credit or local cards.
NOT ALLOWED
Bots, scripts and bulk purchases
Cards showing this activity are blocked permanently with no refund. Privacy Gateway also says the card is meant for ongoing use, not for a single purchase or service.
ADDITIONAL CARDS
Up to 3 per account (Privacy Gateway's figure)
Managed from the same dashboard. The website does not say what an extra card costs.
REWARDS

No cashback rate

Reward summary

No cashback rate is published for this card. Inviting others with your link takes 0.1% off your own top-up fee for each card they create, and the person you invite gets a free month.

PLANS & TIERS

Compare the plans

This card has 2 plans. Select one to see its rate, fees and perks.

Basic
Requirement: Comes with the card after the one-time issuance fee
None
Cashback
PRICE
$60 one-time
ATM FEE
3.5%
FX FEE
1.5%
WHAT'S INCLUDED
✓$10,000 monthly spending limit
✓0% fee on US dollar purchases
✓Google Pay, 3D Secure, freeze and unfreeze
PlanBasicPlus
CashbackNoneall plans
Price$60 one-time$15/month
ATM fee3.5%all plans
FX fee1.5%all plans
RequirementComes with the card after the one-time issuance fee$15 a month on top of the card, switched on from the dashboard
COSTS

Fees you'll actually meet

Annual fee
Cost to hold the card each year
None
No yearly fee. The card is paid for once, with the issuance fee.
Monthly fee
Recurring account cost
None
New cards have no monthly subscription. Raising the spending limit from $10,000 to $50,000 a month costs $15 a month, taken from the card balance. If the balance is empty, the charge waits until the next top-up.
FX spread
Applied on foreign-currency spend
1.5%
The card is in US dollars. Privacy Gateway told us purchases in other currencies cost 1.5%; its website says only that US dollar purchases carry no fee and that conversion rates are shown in the dashboard. Merchants may add charges of their own.
ATM withdrawal
Cash withdrawal cost
3.5%
Privacy Gateway told us cash withdrawals cost 3.5%. The card is virtual, so cash needs a contactless ATM and Google Pay. The dashboard lets you set an ATM PIN, but the website publishes no ATM fee or withdrawal limit.
Crypto conversion
When spending crypto directly
3.5%
A 3.5% loading fee is taken from the crypto you send, before it is credited as US dollars. Privacy Gateway says BDX and ZANO top-ups can cost more. Purchases in US dollars then cost nothing. You also pay the network fee when sending.
Issuance fee
One-off cost to get the card
$60
A one-time fee, paid in crypto when you order the card: $60 during 2026, shown as 50% off, and $120 from 1 January 2027. It is not refundable. The card is active almost at once after payment.
Inactivity fee
Charged if the card goes unused
None
No inactivity fee is listed, but the terms say cards inactive for an extended period may be cancelled and that the balance may then not be recoverable.

ℹ️ Inviting others with your link takes 0.1% off your own top-up fee for each card they create, and the person you invite gets a free month.

SPENDING LIMITS

How much you can spend

Published by the issuer and set per country. Figures are in each market's own currency.

Privacy Gateway Card spending limits by country
CountryTierPer month
All countriesBasic$10,000
All countriesPlus$50,000

Top-ups have a minimum of about $20, depending on the coin, and a maximum per transfer for each coin (see the top-up ranges below).

ATM withdrawal limits: Privacy Gateway publishes no ATM limits. The card balance cannot be withdrawn back to crypto.

VERDICT

Strengths and trade-offs

WORKS FOR YOU IF

  • No ID check: a name and an email are enough
  • Can be funded with Monero, bitcoin and eight other coins, as well as stablecoins
  • Sign-in with an access hash, with no account or password
  • No fee on US dollar purchases and no monthly subscription
  • Google Pay for paying in shops, and 3D Secure by SMS or in the dashboard

LOOK ELSEWHERE IF

  • $60 to issue the card, rising to $120 in 2027
  • 3.5% on every top-up, and more on BDX and ZANO
  • The balance cannot be withdrawn or refunded
  • An invite code is needed to get a card
  • Issuer not named
  • Virtual only, with no Apple Pay
  • No cashback
STANDOUT FEATURES

What sets it apart

  • Monero (XMR), Zano, FUSD and Beldex (BDX) top-ups
  • No account at all: an access hash is the only login
  • 3D Secure approval inside the dashboard for cardholders who give no phone number
✓ Google Pay✓ No staking
IN THE NEWS

Latest news & analysis

ABOUT THIS CARD

Common questions

Where can I use the Privacy Gateway Card?

Does the Privacy Gateway Card have an annual fee?

Does the Privacy Gateway Card pay cashback?

Does it work with Apple Pay and Google Pay?

Figures on this page come from Privacy Gateway's published card terms and were verified on October 16, 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.

PRIVACY GATEWAY
Privacy Gateway Card
No annual fee · 1.5% FX
Apply now →
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