What is an Onboard USD Card and where can I use it?

The Onboard USD Card is an extremely reliable and convenient option for everyday purchases, providing you with a seamless way to convert your stablecoin to USD. You have the flexibility to fund it through various channels, including your local bank account, your Onboard Wallet balance, or external wallets such as Binance and Coinbase. Once funded, you can use it for transactions wherever VISA is accepted, just like a physical bank card.

How long is my Onboard USD card valid for?

Onboard Virtual Cards are valid for 3 years from when you create it in the app. You can find your card's expiry date in the 'Details' section on your Cards page.

How many virtual cards can I create?

At the moment, users are limited to creating and owning one virtual card at a time.

Can someone else send money to my card?

Yes, other people can send money to your virtual card! Each card is associated with a unique wallet address that you can share with anyone who wants to send you money. This wallet address ensures that the payment is accurately directed towards your account. Here's how you can do it: Select "External Wallet" as your funding method. Add your preferred amount and choose the stablecoin that the sender will be sending. The wallet address associated with your card will appear on the screen. Share this address with the sender and instruct them to deposit the exact amount shown. Once they confirm the deposit is complete, click "I have made exact payment," and your account will be topped up with USD. It's really that simple and easy!

How much does the card cost to issue?

Virtual Card (Classic): $3 one-time creation fee. Flex Card: Free.

ONBOARD CARD (FLEX CARD)

Status: Active

Issued by Onboard

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FLEX CARD

Self Reported

What is this?

Card Overview

Custody Type

custodial

Card Type

debit

Material

Plastic

KYC

Standard

Pros

SUPPORT MULTIPLE BLOCKCHAIN/Token

Support 160 countries

Fully licensed with MSB and VASP registrations

Free creation for Flex Card tier

Accepts ACH and Wire transfers for USD account

Cons

NO CASHBACK

Higher FX fees on Classic 2%+$0.50

LOW DAILY LIMIT

No Physical Card Available

Rewards & Staking

Max Cashback

No cashback rewards

On eligible purchases

Reward Token

N/A

Paid out monthly

Staking APY

N/A

On staked assets

Reward specifics

Boost Multiplier N/A

Monthly Cap N/A

Payout Frequency N/A

Welcome Bonus $5 referral bonus (when referred user spends $150 on Flex card within 45 days; earn up to $200 with 40 referrals)

Referral Bonus N/A

Bonus APR N/A

Bonus Token N/A

Staking & Requirements

Required Token N/A

Min Stake Amount N/A

Fiat Value Req N/A

Lock-up Period N/A

Downgrade Penalty N/A

ROI Calculator

What this card actually nets you: cashback earned minus the fees and FX you pay. Defaults to $1,000/month, so drag to match your spend.

Inputs

ONBOARD CARD (FLEX CARD)

Self Reported

Rates autofilled from this card

Monthly spend $1,000

Spent abroad (FX) 15%

Rates

Cashback 0% FX 0%

Net value / year

$0 / month · +0.00% effective

Effective rate

+0.00%

Break-even spend

Any spend

Cashback

FX cost

Load fee

Fees

Apply for ONBOARD CARD (FLEX CARD) Full details

Estimate, not gospel. Cashback caps, tiered FX, and staking lock-ups vary by tier and region. Rates are pulled from this card's listed data, so adjust them above to match your situation.

Supported Assets

Chains

ARBITRUM

BSC

ETHEREUM

OPTIMISM

Tokens

USD

Card Options

Lifestyle & Perks

Not Offered

Airport Lounge

Not Offered

Crypto Events Shuttle

Not Offered

Airport Transfers

Not Offered

Priority Boarding

Not Offered

Esim

Not Offered

Concierge Services

Not Offered

Golf Access

Not Offered

Fitness Membership

Not Offered

Exclusive Club

Not Offered

Exclusive Merch

Not Offered

Nft Drops

Not Offered

Crypto Token Deals

Fees & Limits

Fee Schedule

Fee Structure N/A

FX Fee $0.30 + 1%

ATM Withdrawal N/A

ATM (Domestic) N/A

ATM (Intl) N/A

Fee After Limit N/A

Inactivity Fee N/A

Top Up Fee N/A

Liquidation Fee N/A

Custody Fee N/A

Usage Limits & requirements

Daily Spend Limit $5,000

Monthly Spend Limit $20,000

ATM Withdrawal Limit N/A

Free ATM Limit N/A

Max Balance N/A

Min Balance N/A

Top Up Limits N/A

Technical Features

Integrations

Contactless

Security

2FA Support

Biometric Auth

Card Freeze

Transaction Notifications

Dynamic CVV

Merchant Blocking

App & Usability

Spending Analytics

PIN Change in App

Spending Limits Control

Subscription Management

Budgeting Tools

Smartwatch Support

Recuring Payment Control

Dispute Filing

Receipt Capture

Split Bill

ATM Locator

Advanced & Global

Multi-currency Wallet

Crypto Auto-convert

Round-up Savings

QR Payments

Offline Mode

Carbon Tracking

Instant Card Details

Crypto Capabilities

Yield on Collateral

On-Chain History

Governance Rights

Credit Scoring

Banking & On-Ramp

Banking Features

Virtual Bank Account No

Account Type N/A

Direct Deposit No

Bill Pay No

Instant Issuance No

Self Custody No

Dual Mode (Switch) No

Funding & Withdrawals

On Ramp

Not Available

Off Ramp

Not Available

Operations & Support

Support Channels

Support Tier N/A

Support Type N/A

Hours N/A

Dedicated Manager No

Response SLA N/A

Geographic Availability

KYC Requirements

Standard

Email ID

Required

Phone Number

Required

Government ID

Required

Home Address

Required

Bank Statements

Not Required

Geographic Availability

Worldwide

Restricted

Not covered

Worldwide except 8 markets

View country list (5 countries)

EuGlobalLatamUkUsa

Markets where this card can be used. Hover red regions for the restriction reason.

Region Restrictions

Markets where this card is unavailable, with the reason

CN China (mainland) explicitly listed as unavailable for Flex Card
CU Cuba explicitly listed as unavailable — sanctioned jurisdiction
IR Iran explicitly listed as unavailable — sanctioned jurisdiction
KP North Korea explicitly listed as unavailable — sanctioned jurisdiction
RU Russian Federation explicitly listed as unavailable for Flex Card
SY Syrian Arab Republic explicitly listed as unavailable — sanctioned jurisdiction
UA Ukraine explicitly listed as unavailable for Flex Card
US Explicitly listed as unavailable for Flex Card

Sources & Provenance

Official · 22

22 source citations across 22 fields, captured during the latest research run.

Customer Reviews

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Community

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Quick Answers

Frequently asked questions about ONBOARD CARD (FLEX CARD)

Direct answers to the questions people ask most before they compare or apply for this card.

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Funding Methods

External crypto wallet (USDT/USDC)Bank transfer (NGN, IDR, KES)Onboard wallet balance

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