COMPANY detail
LUMO DEBIT CARD
One wallet. Endless possibilities.
PRE-LAUNCH
This card is not yet live. Features, terms, and benefits are based on publicly available information and preliminary specifications and may change prior to launch. This breakdown will be updated as additional details become available and once the card officially launches.
CARD FEATURE OVERVIEW.
TIERS
W BONUS
NONE
REG FEE / REQ
$4.99
CASHBACK
0%
NEED KYC
YES
FX FEE
1%
APR / YIELD
YES
CARD TYPE
VIRTUAL CARD
CARD NETWORK
BLOCKCHAIN
REGION
WALLET TYPE
NON CUSTODIAL
MOBILE PAY
YES
BANK TRANSFER
NO
ATM LIMIT
NOT DISCLOSED
DAILY LIMIT
NOT DISCLOSED
GET THE CARD
W BONUS
NONE
REG FEE / REQ
$19.99
CASHBACK
0%
NEED KYC
YES
FX FEE
1%
APR / YIELD
YES
CARD TYPE
VIRTUAL AND PHYSICAL CARD
CARD NETWORK
BLOCKCHAIN
REGION
WALLET TYPE
NON CUSTODIAL
MOBILE PAY
YES
BANK TRANSFER
NO
ATM LIMIT
NOT DISCLOSED
DAILY LIMIT
NOT DISCLOSED
GET THE CARD
W BONUS
NONE
REG FEE / REQ
$99.00
CASHBACK
0%
NEED KYC
YES
FX FEE
1%
APR / YIELD
YES
CARD TYPE
VIRTUAL CARD
CARD NETWORK
BLOCKCHAIN
REGION
WALLET TYPE
NON CUSTODIAL
MOBILE PAY
YES
BANK TRANSFER
NO
ATM LIMIT
NOT DISCLOSED
DAILY LIMIT
NOT DISCLOSED
GET THE CARD
VIRTUAL
| W BONUS | NONE |
|---|---|
| REG FEE / REQ | $4.99 |
| CASHBACK | 0% |
| NEED KYC | YES |
| FX FEE | 1% |
| APR / YIELD | YES |
| CARD TYPE | VIRTUAL CARD |
| CARD NETWORK | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | NON CUSTODIAL |
| MOBILE PAY | YES |
| BANK TRANSFER | NO |
| ATM LIMIT | NOT DISCLOSED |
| DAILY LIMIT | NOT DISCLOSED |
PLASTIC
| W BONUS | NONE |
|---|---|
| REG FEE / REQ | $19.99 |
| CASHBACK | 0% |
| NEED KYC | YES |
| FX FEE | 1% |
| APR / YIELD | YES |
| CARD TYPE | VIRTUAL AND PHYSICAL CARD |
| CARD NETWORK | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | NON CUSTODIAL |
| MOBILE PAY | YES |
| BANK TRANSFER | NO |
| ATM LIMIT | NOT DISCLOSED |
| DAILY LIMIT | NOT DISCLOSED |
METAL
| W BONUS | NONE |
|---|---|
| REG FEE / REQ | $99.00 |
| CASHBACK | 0% |
| NEED KYC | YES |
| FX FEE | 1% |
| APR / YIELD | YES |
| CARD TYPE | VIRTUAL CARD |
| CARD NETWORK | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | NON CUSTODIAL |
| MOBILE PAY | YES |
| BANK TRANSFER | NO |
| ATM LIMIT | NOT DISCLOSED |
| DAILY LIMIT | NOT DISCLOSED |
Last Updated: Aug 5, 2026
REGIONAL AVAILABILITY
CLICK TO VIEW MAP
Available
Restricted
Not Specified
- Lumo Business offers 0% in-store and online crypto payment processing through plugins (WordPress, WooCommerce, WHMCS, PHP). Business wallet withdrawals cost 1.5%. POS hardware is $99.99.
Pricing is published but actual card issuance, supported regions, and full feature set may change before general availability.
THE REAL STORY ON THIS CARD.
PROS
[ STRENGTHS ]
- Non-custodial wallet
- One-time card purchase fees
- Apple Pay & Google Pay support
- 0% crypto payment processing for merchants
- Lumo Earn staking integrated in wallet
- Business plugins available (WordPress, WooCommerce, WHMCS)
CONS
[ LIMITATIONS ]
- PRE-LAUNCH
- Card network and issuer undisclosed
- 1% FX + 1.5% top-up = 2.5% effective fee on crypto-to-fiat spend
- Supported countries and cryptos not disclosed
- No ATM/dispute/insurance information
- No cashback or rewards program
- No IBAN
GENERAL QUESTIONS.
Virtual: $4.99 one-time. Plastic: $19.99 one-time. Metal: $99.00 one-time. No monthly/annual fees disclosed.
NOT DISCLOSED. ATM fees and limits are not published.
NOT DISCLOSED. The card network (Visa, Mastercard, etc.) is never mentioned in any official documentation.
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