COMPANY detail
TANGEM PAY CARD Self-custody. Instant spending.
Card Feature Overview.
CARD NAME
TANGEM PAY CARD
W BONUS
NONE
CASHBACK
0%
REGISTER FEE
FREE
NEED KYC
YES
FX FEE
YES
APR
NO
CARD TYPE
VIRTUAL CARD
CARD NETWORK
BLOCKCHAIN
REGION
WALLET TYPE
NON CUSTODIAL
APPLE PAY
YES
IBAN/SWIFT
NO
ATM LIMIT
$0
DAILY LIMIT
NOT DISCLOSED
GET THE CARD
TANGEM PAY CARD
| W BONUS | NONE |
|---|---|
| CASHBACK | 0% |
| REGISTER FEE | FREE |
| NEED KYC | YES |
| FX FEE | YES |
| APR | NO |
| CARD TYPE | VIRTUAL CARD |
| CARD NETWORK | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | NON CUSTODIAL |
| APPLE PAY | YES |
| IBAN/SWIFT | NO |
| ATM LIMIT | $0 |
| DAILY LIMIT | NOT DISCLOSED |
The Real Story on This Card.
PROS
Non custodial connected to Tangem wallet
You can withdraw funds back to your wallet
Available in the U.S, LATAM and APAC
No monthly fees
Card issued by licensed partner
CONS
No Physical card at the moment
Needs Tangem Wallet
Has FX Fee
For now only support Polygon
NO CASHBACK
GENERAL Questions.
What is Tangem Pay?
Tangem Pay is a non-custodial payment account built into the Tangem Wallet app. It lets you spend assets directly using a virtual Visa card, online or in-store with Apple Pay or Google Pay. No need to move funds to a third-party exchange — just spend from your wallet.
How is Tangem Pay different from the Tangem Wallet?
Tangem Wallet is a self-custodial hardware wallet where you control your keys anonymously. Tangem Pay is an optional, regulated product within the same app that lets you create a payment account, verify your identity, and receive a Visa card for real-world spending.
What type of card do I get — virtual or physical?
At launch, Tangem Pay provides a virtual Visa card only.
Physical cards will be added in a future release.
Physical cards will be added in a future release.
Do I need to convert crypto to fiat before spending?
You don’t need to convert to FIAT, but you do need to top up your Tangem Pay account with USDC on the Polygon network before you can spend.
Your Tangem Pay card uses this on‑chain USDC balance to settle real‑world purchases. When you make a payment, the equivalent amount of USDC is automatically deducted from your smart contract account and processed through Visa in U.S. dollars, while your balance remains on-chain and non-custodial.
Your Tangem Pay card uses this on‑chain USDC balance to settle real‑world purchases. When you make a payment, the equivalent amount of USDC is automatically deducted from your smart contract account and processed through Visa in U.S. dollars, while your balance remains on-chain and non-custodial.
Are there any fees?
There are no transaction fees or monthly account fees for using Tangem Pay.
However, the following charges may apply:
Foreign exchange markups if you spend in a currency other than USD.
Polygon gas fees when topping up your account with USDC (subject to network conditions). These are fees paid to the network, not charged by Tangem.
ATM withdrawal fees may apply once this feature becomes available.
A detailed fee schedule will be displayed during sign-up.
However, the following charges may apply:
Foreign exchange markups if you spend in a currency other than USD.
Polygon gas fees when topping up your account with USDC (subject to network conditions). These are fees paid to the network, not charged by Tangem.
ATM withdrawal fees may apply once this feature becomes available.
A detailed fee schedule will be displayed during sign-up.
Can I earn interest or rewards on my balance?
Not at launch. Support for stablecoin yield and referral-based rewards is on the roadmap. You’ll be able to opt in when those features are introduced.