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Utorg Card
Description
Utorg Card is a virtual payment card that allows users to spend cryptocurrency with almost zero fees while maintaining full non-custodial control. Designed for online and contactless payments via Apple Pay, the card is fully digital and does not have a physical version.
Key features:
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Almost zero fees: Cost-effective usage with minimal transaction charges.
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True non-custodial control: Users retain full ownership of their funds at all times.
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High daily spending limit: Up to €50,000 per day.
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Instant Apple Pay issuance: The card can be issued and activated within minutes directly on iPhone.
Limitations to consider:
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No physical card or ATM access: Only suitable for digital payments.
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Manual top-up required: Users must load funds themselves before use.
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Limited coin selection: Supports only a small number of major cryptocurrencies.
Utorg Card is a simple and secure solution for those who want to spend crypto conveniently without giving up control over their assets.
Main characteristics
| Name | Value |
|---|---|
| Network | Mastercard (BIN 55577080), issued by Quicko Sp. z o.o. in Poland |
| Card Type | Prepaid crypto debit — preload with EUR after on-chain conversion |
| Mobile Wallets | Apple Pay enabled; Google Pay likely via Mastercard tokenization |
| Funding Options | Crypto top-ups only via Utorg app (no IBAN) |
| Stablecoin Onboarding | USDT (ETH/TRON), USDC |
| KYC Verification | Single-tier full ID + selfie |
| Cardholder | Individual only (no business or secondary cards) |
| Issuing Entity | Quicko Sp. z o.o. (Poland) |
| Base Currency | Euro (EUR) |
| Supported Cryptos | BTC, ETH, USDT, USDC |
| Coverage Area | EEA + Ukraine (excludes UK) |
| FX Markup | 0% (Mastercard interbank rate) |
| Crypto→EUR Funding | Manual top-up in advance |
| Interest Rate | N/A |
| Max Cashback | 0% |
| Base Cashback | N/A |
| Daily Spend Limit | €50 000 |
| Daily ATM Limit | N/A (virtual only) |
| ATM Fee (Variable) | N/A |
| Monthly ATM Cap | N/A |
| Free ATM Allowance | N/A |
| Card Formats | Virtual only |
| IBAN Attached | No |
| Bank Account Offered | No |
| Account Locale | N/A |
| Account Type | N/A |
| Third-Party Receipts | No |
| Launch Status | Live since 2023 |
| Primary Region | Europe (EEA) & Ukraine |
| Custody Model | Non-custodial (user holds keys) |
| Physical Card Cost | N/A |
| Virtual Card Cost | Free |
| Conversion Spread | ~0.5% |
| Transaction Fee | 0% |
| Total Crypto Cost | ~0.5% + network fees |
| Instant Sell | No |
| Spendable Fiat | EUR (0% FX abroad) |
| Deposit Fee | 0% |
| BIN | 55577080 |
| Issue Country | Poland |
| Validity | 5 years |
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