Utorg Card
Description
Utorg Card is a fully virtual, privacy-first solution ideal for independent users. It offers non-custodial control, high daily spend limits (€50,000), and instant Apple Pay support. The card requires manual top-ups and supports a limited range of coins, aligning with a minimalist yet secure user experience for crypto-savvy individuals.
Main characteristics
| Name | Value |
|---|---|
| Support for Stablecoins | Yes – the card supports stablecoins as part of its ecosystem (e.g., USDC, USDT are among the supported cryptocurrencies). |
| Beneficiary | Cardholder’s Name – the Utorg Card is issued in the cardholder’s name. |
| Card Issuer | Quicko Sp Z Oo – as indicated on the back of the card. |
| Denominated In | Euro (EUR) – the card is denominated in Euros. |
| Supported Cryptocurrencies | BTC, ETH, USDC, USDT – these are the cryptocurrencies supported by the card. |
| Supported Countries | 31 Countries – available in countries such as Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, and others (see “Show All (31)”). |
| Foreign Exchange Fee | 0% – no fee is charged for foreign exchange. |
| Crypto to Fiat Conversion | Посібник щодо попереднього завантаження – ви повинні попередньо конвертувати вашу криптовалюту в EUR перед завантаженням коштів на картку. |
| Monthly Fee | 0.00 EUR – there is no monthly fee for using the card. |
| Monthly Inactivity Fee | 0.00 EUR – no fee is charged during periods of inactivity. |
| Interest Rate | N/A – as a debit card, Utorg Card does not carry an interest rate. |
| Highest Cashback | None – the card does not currently offer any cashback rewards. |
| Entry-Level Cashback | None – no cashback is provided at any level. |
| Entry-Level Cashback Monthly Cap | N/A – since no cashback is offered, there is no monthly cap. |
| Daily Spending Limit | 50,000 EUR – the maximum daily spending limit is an impressive 50,000 EUR. |
| Daily ATM Withdrawal Limit | N/A (Virtual?Only Card) – as the Utorg Card is virtual?only, ATM withdrawals are not available. |
| ATM Withdrawal Fee - Fixed Local | N/A – ATM withdrawals are not applicable for a virtual?only card. |
| ATM Withdrawal Fee - Percent Local | N/A – not applicable. |
| ATM Withdrawal Limit Monthly - Basic | N/A – since ATM withdrawals aren’t supported, no monthly limit applies. |
| No Fee ATM Withdrawal Monthly - Basic | N/A – not applicable for a virtual?only card. |
| Card Form Mechanism | Virtual?Only – the Utorg Card is issued solely in digital form and is delivered instantly after KYC verification. |
| Attached to a Bank Account | No – Utorg Card is not linked to a traditional bank account. |
| Bank Account Offered | No – Utorg does not offer a bank account with this card. |
| Bank Account Country | N/A – since no bank account is provided, this does not apply. |
| Bank Account Type | N/A – not applicable. |
| Can Receive From Third Party | No – without an associated bank account, the card cannot receive third?party fiat payments. |
| Availability | Available for Residents of Poland – the card is offered to residents of Poland. |
| Region | Europe – the card is tailored for the European market. |
| Crypto Asset Management | Non?Custodial (Connect Your Own Wallet) – you maintain full control over your crypto assets by connecting your own wallet. |
| Cost to Order Physical Card | N/A – the Utorg Card is available solely in virtual form. |
| Cost to Order Virtual Card | Free – there is no additional cost to obtain the virtual card. |
| Full Spread | ~0.5% + Gas Fees – the total crypto-to-EUR conversion cost is approximately 0.5% plus applicable gas fees. |
| Load Fee | 0% – no fee is charged when loading (topping up) the card. |
| Sell Spread | ~0.5% – a sell spread of approximately 0.5% is applied during conversion. |
| Transaction Fee | 0% – no extra transaction fees are charged. |
| BIN Number | 55577080 – as printed on the back of the virtual card. |
| Issuing Country | Poland – the card is issued in Poland. |
| Validity Period | 5 years – the card remains valid for 5 years from the date of issuance. |
| Card Network (Visa or MC) | Visa and MasterCard – the Utorg Card is issued on major networks, ensuring global acceptance and secure transactions. |
| Card Type (Debit or Credit) | Дебетова картка – Utorg Card функціонує виключно як дебетова картка. |
| Apple Pay/Google Pay Availability | Apple Pay Enabled – the card supports Apple Pay, no information is provided regarding Google Pay. |
| Recharge Methods (SEPA, SWIFT, P2P) | Preload Required – you must top up your card by converting crypto to EUR and moving the funds to your card account. Traditional fiat methods (SEPA, SWIFT, P2P) are not specified. |
| KYC Requirements (Levels) | Mandatory KYC Identity Verification is required to activate the card, specific verification levels are not detailed. |
| Instant Conversion | No – conversion is manual, you must preload the card with EUR via crypto conversion. |
| Fiat Supported (EUR/USD/GBP etc.) | Euro (EUR) – the card is denominated in and supports transactions in Euro. |
| Crypto Cashback | None – Utorg Card currently does not offer any cashback rewards or incentives. |
| Crypto Deposit Fee | Not specified – no additional fee information for crypto deposits is provided. |
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