STACK CARD One account. Spend globally.
CARD FEATURE OVERVIEW.
| W BONUS | NONE |
|---|---|
| REG FEE / REQ | FREE |
| CASHBACK | 1.5% |
| NEED KYC | YES |
| FX FEE | UP TO 3% |
| APR / YIELD | NO |
| CARD TYPE | VIRTUAL, PHYSICAL AND CREDIT |
| CARD NETWORK | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | NON CUSTODIAL |
| MOBILE PAY | YES |
| BANK TRANSFER | YES |
| ATM LIMIT | NOT DISCLOSED |
| DAILY LIMIT | DYNAMIC |
"Stack International Spend Card Terms" (formerly Hawala), collateral-backed spend card; up to 3% FX fee + up to 3% cross-border fee; late payment: up to $40; returned payment: up to $29.
THE REAL STORY ON THIS CARD.
- 1.5% cashback in real USD, applied automatically
- Self-custody collateral
- 0% APR on all purchases
- No annual, monthly, or issuance fees
- Virtual card available immediately upon account creation
- USD and EUR account details for receiving payments like a local
- Multi-chain support (Ethereum, Polygon, Optimism, Arbitrum)
- Apple Pay and Google Pay for mobile payments
- Physical card not yet available
- No ATM withdrawals until physical card launches
- Foreign transaction costs can reach up to 6% for International users
- No deposit insurance, funds are stablecoins, not FDIC-insured
- Dynamic spending limits can be reduced at Issuer's discretion without notice
- Unclear list of supported countries — many users are waitlisted
- Liquidation risk if collateral value drops and user doesn't top up promptly
- US persons are banned
GENERAL QUESTIONS.
Stack gives you a USD and EUR account and a global Visa card. Get paid from anywhere, add money, spend online or in store, and send money home in minutes. No hidden fees.
Anyone whose money crosses borders. Freelancers getting paid from abroad, families sending money home, and anyone who spends in more than one currency.
A USD (and EUR) account with real account details, plus a Stack Visa card that works online and in-store, worldwide.
Your balance is held as fully backed dollar stablecoins with regulated, audited partners, and your card runs on Visa's global security and fraud protection.
Download the app and open your free account in minutes. If Stack hasn't launched in your country yet, join the list and we'll let you in the moment it goes live.
Anywhere Visa is accepted, online and in store, locally or in 170+ countries around the world.
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