TANGEM PAY CARD Self-custody. Instant spending.
Card Feature Overview.
| W BONUS | NONE |
|---|---|
| REGISTER FEE | FREE |
| CASHBACK | 0% |
| NEED KYC | YES |
| FX FEE | 0% |
| APR / YIELD | NO |
| CARD TYPE | VIRTUAL CARD |
| CARD NETWORK | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | NON CUSTODIAL |
| MOBILE PAY | YES |
| BANK TRANSFER | NO |
| ATM LIMIT | $0 |
| DAILY LIMIT | $50,000 |
The Real Story on This Card.
PROS
True self-custody spending
You can withdraw funds back to your wallet
Uses real Visa payment rails
No preload fiat balance needed
No monthly or transaction fees
Apple Pay + Google Pay support
Strong hardware wallet security
Instant virtual card issuance
CONS
Only supports USDC on Polygon
No cashback or rewards
Requires Tangem hardware wallet
Limited country availability
No ATM withdrawals yet
Virtual card only
GENERAL Questions.
What is Tangem Pay?
How is Tangem Pay different from the Tangem Wallet?
What type of card do I get — virtual or physical?
Physical cards will be added in a future release.
Do I need to convert crypto to fiat before spending?
Your Tangem Pay card uses this on‑chain USDC balance to settle real‑world purchases. When you make a payment, the equivalent amount of USDC is automatically deducted from your smart contract account and processed through Visa in U.S. dollars, while your balance remains on-chain and non-custodial.
Are there any fees?
However, the following charges may apply:
Foreign exchange markups if you spend in a currency other than USD.
Polygon gas fees when topping up your account with USDC (subject to network conditions). These are fees paid to the network, not charged by Tangem.
ATM withdrawal fees may apply once this feature becomes available.
A detailed fee schedule will be displayed during sign-up.
