Following Nium's acquisition of Cypher, card loading ended July 8, cards stop working August 7 2026
moonwell card SPEND CRYPTO LIKE CASH
CARD FEATURE OVERVIEW.
| W BONUS | NONE |
|---|---|
| REG FEE / REQ | FREE |
| CASHBACK | 0% |
| NEED KYC | YES |
| FX FEE | UP TO 1.5% |
| APR / YIELD | NO |
| CARD TYPE | VIRTUAL AND PHYSICAL CARD |
| CARD NETWORK | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | NON CUSTODIAL |
| MOBILE PAY | YES |
| BANK TRANSFER | NO |
| ATM LIMIT | $2,000 |
| DAILY LIMIT | DYNAMIC |
THE REAL STORY ON THIS CARD.
- Free virtual card with no annual fees ever
- Auto Load feature uses Vault earnings to keep card funded automatically
- Borrow against supplied assets without selling crypto
- Apple Pay and Google Pay support for contactless payments
- Real-time Telegram and email transaction notifications
- Lockdown Mode for instant security freeze
- 180+ countries supported
- 0.5% load fee on USDC, 1.5% FX fee on non-USD transactions
- 3% ATM withdrawal fee plus operator charges
- Physical card costs $50 (not free)
- KYC required through third-party Cypher (not direct)
- Funds loaded cannot be transferred back to crypto wallet (must spend to recover)
- Banned jurisdictions include Australia, Japan, Singapore, Canada, and most of Europe (full list 40+ countries)
GENERAL QUESTIONS.
The Moonwell Card is a next-generation crypto debit card that allows you to spend your onchain assets as easily as cash. Developed in partnership with Cypher, it offers innovative features like automated reloads, card top ups via borrowing against supplied assets on Moonwell, and real-time transaction notifications.
The Moonwell Card is a next-generation crypto debit card that makes spending your onchain assets as seamless as cash. Developed in partnership with Cypher, it includes innovative features like automated reloads, borrowing-based top-ups, and real-time transaction notifications.
To get started:
Visit card.moonwell.fi.
Click “Get Started.”
Connect your wallet and complete the KYC verification process.
Load your card and start spending!
The digital Moonwell Card can be used online and with Apple Pay or Google Pay for in-store purchases. The physical card, available in January 2025, provides additional flexibility for purchases requiring a physical swipe or chip insert.
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