ZAR CARD feel the strength of the dollar
CARD FEATURE OVERVIEW.
| W BONUS | NONE |
|---|---|
| REG FEE / REQ | FREE |
| CASHBACK | 0% |
| NEED KYC | YES |
| FX FEE | NOT DISCLOSED |
| APR / YIELD | NO |
| CARD TYPE | VIRTUAL AND PHYSICAL CARD |
| CARD NETWORK | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | NON CUSTODIAL |
| MOBILE PAY | YES |
| BANK TRANSFER | YES |
| ATM LIMIT | NOT DISCLOSED |
| DAILY LIMIT | NOT DISCLOSED |
"Self-custodial" applies only to crypto, not to your dollar account. SSB (Member FDIC) holds your USD in custodial accounts. If SSB fails, FDIC covers you. If ZAR fails, FDIC does NOT cover you, the footer explicitly says so. Your dollars are in a bank with which you have no direct relationship.
ToS §14 is a blanket legal waiver. You "expressly waive any right to seek remedies or damages through legal means" for smart contract failures, API failures, backend failures, and account access failures. If a bug drains your funds or locks you out, you agreed to have no legal recourse.
P2P exchange has zero consumer protection. Fiat-to-crypto conversion is done through independent merchants who set their own exchange rates. ZAR takes no liability for merchant behavior, rate disputes, or fraud. You hand cash to a stranger and hope the dollars arrive.
Your account CAN be frozen. Despite "self-custodial" branding, ZAR can suspend or terminate your account under broad conditions (§3.5) including "harm our reputation," "suspected fraud," or "compliance requirements." Card, bank transfers, and P2P all stop.
THE REAL STORY ON THIS CARD.
- Self-custodial
- Free virtual Visa card, instant issuance after KYC
- Real US bank account with routing/account number + IBAN
- Free ACH incoming transfers, free internal P2P transfers
- P2P cash-to-USD exchange via verified local merchants (no bank needed)
- Invest in tokenised gold and Bitcoin in-app
- ATM cash withdrawals worldwide
- 70+ countries supported for bank cash-out
- Backed by top-tier investors: a16z, Dragonfly, VanEck, Coinbase Ventures
- Bank-grade security with PIN, biometrics, device checks, recovery
- Built by experienced team (ex-SadaPay, 4M users, $1.5B annual volume)
- Physical card not yet available ("coming soon")
- No cashback programme
- No yield/interest on wallet balance
- Card issuer not publicly named
- ATM fees and daily/monthly limits not publicly disclosed
- Full country whitelist not published, only "100+ countries"
- P2P exchange rates set by individual merchants, no standard rate
- Wire transfers cost $10 incoming (bank partner fee)
- KYC required for card and bank services
GENERAL QUESTIONS.
Your dollars come from Circle — a US-regulated public company on the NYSE. Full reserve backing. Transparent holdings. Every dollar in ZAR is backed by real reserves.Who can apply?
Yes. Take out to your bank in 70+ countries. You can also send to someone else's bank in most countries we support.
ZAR works with licensed partners to stay compliant in every market. We follow local rules and global best practices for preventing money laundering and financial crime.
Depends on local rules. In countries with capital controls — like Pakistan — your dollars stay in-country. But you can still hold dollars, trade locally, and spend with your Visa card at 150 million+ merchants worldwide. Check the app for your limits.
Free to download. Free to give dollars within ZAR. Free virtual Visa card. Other fees vary by market — you'll see them in the app before you confirm.
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