Emoney Card
Emoney Card is a crypto card issued on Mastercard, rated 5.8/10 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.
Emoney Card is the strongest fit for crypto funded, and asks for ID + proof at signup — we carry it at medium 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 | Emoney Card · Crypto Card |
| Official site | https://cards.emoney.io/ |
| Best for | Crypto funded |
| Network | Mastercard |
| Rating | 5.8/10 (3.0★, 851 data points) |
| Data quality | verified |
Costs and fees
| Card creation fee | $99 (one-time, in USDT/USDC) |
| Monthly / annual fee | 0 (no annual fee) |
| Top-up (deposit) fee | 0.5% (collateral injection) |
| FX / conversion fee | 3% overseas (1% + 2% Mastercard); 0% HK local |
Verification and risk
| KYC required | Yes (mandatory: ID + PoA + OTP + facial scan) |
| Risk level | Medium |
| AVS check | No |
Funding and limits
| Crypto top-up | Yes (USDT/USDC/BSC-USD/eEUR) |
Billing
| Billing address | Custodial |
Platform compatibility
| App Store / Google Play | Google Pay yes; Apple Pay coming soon |
How it performed in our tests
| BIN range | Network | Issuing country | Type | Charges | Cleared | Clear rate |
|---|---|---|---|---|---|---|
| 530251 | Mastercard | Netherlands | Debit | 105 | 73 | 69.5% |
We logged 73 cleared charges out of 105 attempts on 1 documented range for this brand. Counts include renewals, not just first charges.
Where to go next
Issuing country
Other Mastercard virtual cards
Frequently asked
What does Emoney Card cost to run?
The cost lines stack like this: issuing it costs $99 (one-time, in USDT/USDC); the recurring charge is 0 (no annual fee); top-ups cost 0.5% (collateral injection); conversion is priced at 3% overseas (1% + 2% Mastercard); 0% HK local. 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 Emoney Card?
Emoney Card 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 (mandatory: ID + PoA + OTP + facial scan)
How can I fund Emoney Card?
You can fund it with crypto (USDT/USDC/BSC-USD/eEUR). Pick the one you can top up cheaply and repeatedly, because the load fee is charged every time.
Which billing address does Emoney Card need?
Setting it up: the billing address type is Custodial; 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.
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.