Airtm
Airtm is a fintech wallet issued on Visa, rated 7.2/10 in our latest review. Below: what it costs and what it demands, the tiers the issuer publishes, and how the card cleared our live checkouts.
Airtm is the strongest fit for app store / play and free issuance, and asks for ID + proof at signup — we carry it at custodial; card issued by lead bank and managed by bridge risk. Treat the fee rows as the deciding factor: a card that clears reliably but charges on every top-up costs more than its rating suggests.
Profile
| Issuer / category | Airtm · Fintech Wallet |
| Official site | https://airtm.com |
| Best for | App Store / Play · Free issuance |
| Network | Visa |
| Rating | 7.2/10 (3.5★, 338 data points) |
| Data quality | partial |
Costs and fees
| Card creation fee | free first card |
| Monthly / annual fee | none (1 USD inactivity fee after 30 days) |
| Top-up (deposit) fee | 1% on first 200 USD/month, 0% thereafter |
| FX / conversion fee | 0% foreign transaction fee |
Verification and risk
| KYC required | yes (Airtm + Bridge identity verification) |
| Risk level | custodial; card issued by Lead Bank and managed by Bridge |
| AVS check | No |
| 3-D Secure | Yes |
Funding and limits
| Crypto top-up | yes (USDC/USDT) |
| Bank transfer | yes (US Virtual Account ACH; 500+ local methods) |
| Alipay / WeChat Pay | no |
| Cards per account | virtual only |
Billing
| Billing address | LATAM/Global |
| Billing country | 15+ countries ··· |
Platform compatibility
| ChatGPT | No |
| Claude | No |
| Midjourney | No |
| Netflix / Spotify | No |
| App Store / Google Play | Yes |
| Meta / Google Ads | No |
What the issuer states on its own site
- 1 Create your account for free You'll need your official ID on hand to complete the security verification.
- The currency used within Airtm ( USDC ) is backed 1:1 with the US dollar.
- Convert it to your local currency at the best exchange rate, using the P2P network or direct withdrawals.
- It has been operating since 2015 and complies with compliance regulations and anti-money laundering prevention (AML/KYC).
- Use local payment methods Unmatched versatility, supporting over 400 local payment methods and bridging multiple blockchains via USDC.
Source: https://airtm.com.
How it performed in our tests
| BIN range | Network | Issuing country | Type | Charges | Cleared | Clear rate |
|---|---|---|---|---|---|---|
| 451774 | Visa | Multi-region | Debit | 261 | 190 | 72.8% |
We logged 190 cleared charges out of 261 attempts on 1 documented range for this brand. Counts include renewals, not just first charges.
Where to go next
Checkout guides built around this card
Category guides
Other Visa virtual cards
Frequently asked
What does Airtm cost to run?
The cost lines stack like this: issuing the card is free; the recurring charge is none (1 USD inactivity fee after 30 days); top-ups cost 1% on first 200 USD/month, 0% thereafter; conversion is priced at 0% foreign transaction fee. Cash-out costs are what compound here, so weigh the recurring lines above the one-off fee.
Do I need to verify my identity for Airtm?
Airtm asks for ID + proof at signup. The check runs once when the account opens, not on each charge, and the issuer's own wording is: yes (Airtm + Bridge identity verification)
How can I fund Airtm?
You can fund it with crypto (USDC/USDT), bank transfer (US Virtual Account ACH; 500+ local methods). Pick the one you can top up cheaply and repeatedly, because the load fee is charged every time.
Which billing address does Airtm need?
Setting it up: the billing address type is LATAM/Global; cards are issued against 15+ countries (US excl. NY; Argentina, Bolivia, Colombia, Venezuela); an AVS check is not applied. Copy the address the issuer generates rather than retyping it. A transposed digit is the most common reason a working range starts failing.
Does Airtm work for subscriptions and AI tools?
We recorded successful charges for the App Store and Google Play. Where a card passes on one merchant and fails on another, the difference is usually the processor and the 3-D Secure setting rather than the card itself.
Will Airtm trigger 3-D Secure?
Yes. Airtm supports 3-D Secure, so expect a step-up prompt on larger or first-time charges. An OTP you can complete is fine; a challenge that never arrives is what kills the order, so keep the issuer app open at checkout.
How many cards can I open with Airtm?
The issuer allows virtual only. Multiple numbers under one account is the practical pattern here: one per merchant, so a single block does not take the rest of your billing down with it.
How VCCFinder tests
VCCFinder buys cards at retail and charges them on live checkouts, then publishes the clear rate and decline reasons next to each range. Where a card declined, the reason sits on its BIN page rather than in a footnote here.