Loading reviews...
COMPANY detail
MERU Card
A Dollar account without borders
CARD FEATURE OVERVIEW.
CARD NAME
MERU CARD
ADD TO WATCHLIST
REMOVE FROM WATCHLIST
W BONUS
NONE
REG FEE / REQ
FREE
CASHBACK
0%
NEED KYC
YES
FX FEE
UP TO 1.2%
APR / YIELD
NO
CARD TYPE
VIRTUAL AND PHYSICAL CARD
CARD NETWORK
BLOCKCHAIN
REGION
WALLET TYPE
CUSTODIAL
MOBILE PAY
YES
BANK TRANSFER
YES
ATM LIMIT
$750
DAILY LIMIT
$10,000
GET THE CARD
MERU CARD
| W BONUS | NONE |
|---|---|
| REG FEE / REQ | FREE |
| CASHBACK | 0% |
| NEED KYC | YES |
| FX FEE | UP TO 1.2% |
| APR / YIELD | NO |
| CARD TYPE | VIRTUAL AND PHYSICAL CARD |
| CARD NETWORK | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | CUSTODIAL |
| MOBILE PAY | YES |
| BANK TRANSFER | YES |
| ATM LIMIT | $750 |
| DAILY LIMIT | $10,000 |
Last Updated: Sep 5, 2026
REGIONAL AVAILABILITY
CLICK TO VIEW MAP
Available
Restricted
Not Specified
Crypto loads aren't free: 1% + $1, and chain choice matters, Tron +$5, BSC +$3, Ethereum +$10, so a small load can be eaten by fees.
PIX deposits from Brazil and QR-code payments/withdrawals in Bolivia cost 0%.
You can hold both a US USD account (ACH/Wire) and an EU EUR IBAN (SEPA) and receive from Upwork, Stripe, PayPal, YouTube and more.
THE REAL STORY ON THIS CARD.
PROS
[ STRENGTHS ]
- Free account opening and maintenance (US, IBAN, Mexico all free)
- Virtual card free, physical $5
- $0 ATM withdrawal fee from Meru side (ATM may charge its own)
- FX 0% for US-issued purchases made in USD
- Wide fiat rail coverage: ACH, Wire, SEPA, SPEI, PIX ($0), PSE, Bre-b, QR
- Multi-chain crypto top-ups (10+ networks)
- Apple Pay and Google Pay, including contactless ATM
- US account + EU EUR IBAN; US stocks, DeFi, Web3 wallet, MoneyGram, business accounts
CONS
[ LIMITATIONS ]
- FX:1% on USD outside the US, 1.2% on non-USD outside the US
- Crypto top-ups cost 1% + up to $10 depending on chain
- ACH/Wire/SEPA deposits now cost $2–$25
- $30 dispute fee per transaction regardless of outcome
- Card can only be used with the Meru balance
- Blocked at gambling, adult-content, and virtual-wallet merchants
- No permanent cashback or rewards program
GENERAL QUESTIONS.
Virtual card is free. Physical card costs $5 USD plus shipping fees that vary by country.
Yes. Up to $250 per transaction, max 3 withdrawals per 24 hours (the $250 includes the ATM's own charge). Meru charges no ATM fee, but the ATM operator may apply its own. Select "Crédito" at the machine. ATM withdrawals must be enabled in-app first (Tarjetas → Habilitar retiros en ATM).
Yes. The card works internationally. Meru's own fee is 0% for US-issued purchases in USD, but 1% when buying in USD from a non-US jurisdiction and 1.2% when buying in a non-USD currency; Visa's daily exchange rate also applies.