MINIPAY CARD
CARD FEATURE OVERVIEW.
| W BONUS | NONE |
|---|---|
| REG FEE / REQ | FREE |
| CASHBACK | UP TO 150/MO |
| NEED KYC | YES |
| FX FEE | 0% |
| APR / YIELD | YES |
| CARD TYPE | VIRTUAL CARD |
| CARD NETWORK | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | NON CUSTODIAL |
| MOBILE PAY | YES |
| BANK TRANSFER | YES |
| ATM LIMIT | €0 |
| DAILY LIMIT | DYNAMIC |
Outside the EEA, cashback is paid in Tether Gold (XAUt), which fluctuates in USD value, it is not a fixed USD reward.
Many merchant categories are excluded from cashback (utilities, financial institutions, gambling, insurance, real estate, precious metals).
- Network fees are typically under $0.01 per transaction because the card runs on Celo.
THE REAL STORY ON THIS CARD.
- 18M+ wallets with proven infrastructure (541M+ transactions)
- Apple Pay & Google Pay support
- 68 countries in signup list
- Non-custodial Celo wallet
- Up to 5% cashback on eligible purchases (digital gold or USDC)
- Up to 2% weekly rewards on idle balances (MiniPay Boost)
- No card issuance fees, no monthly fees, no deposit fees
- MiniPay charges no FX fees (Visa rates apply)
- Instant freeze/unfreeze card in-app
- Sub-cent transaction fees on Celo
- Zero-fee stablecoin top-ups (select markets/providers)
- Regulated issuer (Monavate: FCA & Bank of Lithuania)
- Early access, not fully launched in all markets
- No public spending/limit schedule (in-app only)
- Waitlist/signup required, no open access
- No physical card (digital-only)
- No ATM support
- Cashback has extensive exclusions and 150 USD monthly cap
- Banned in People's Republic of China
- Earn rewards limited to select markets
- P2P transfers limited to other MiniPay wallets only
- Digital gold cashback (XAUt) may fluctuate in value vs USD
GENERAL QUESTIONS.
MiniPay provides a Virtual Visa Card that you can use for spending online and offline in 150+ countries. You join a waitlist to access it via the MiniPay app.
To use MiniPay features, you must create and verify your MiniPay wallet — identity verification is required for certain services like virtual bank (ACH/SEPA) accounts, and a Google account is needed to activate and back up your wallet.
MiniPay is a self-custodial stablecoin wallet built on the Celo blockchain. Wallet keys are controlled by the user, and stablecoins like USDC, USDT, and cUSD are stored in your wallet.
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