Figo
Figo is a crypto card issued on Visa, rated 8.2/10 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.
Figo is the strongest fit for ad spend and streaming, 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 | Figo · Crypto Card |
| Official site | https://spendfigo.com |
| Best for | Ad spend · Streaming |
| Network | Visa |
| Rating | 8.2/10 (4.0★, 851 data points) |
| Data quality | verified |
Costs and fees
| Card creation fee | $2 ($0 limited-time promotion) |
| Monthly / annual fee | Free (no monthly fee) |
| Top-up (deposit) fee | Free (USDC settlement/deposit) |
| Minimum deposit | 10 |
| FX / conversion fee | 2% FX; international $0.6 + 2%; 1% USD transaction fee |
| Declined transaction fee | Free |
Verification and risk
| KYC required | Yes |
| Risk level | Medium |
| AVS check | No |
| 3-D Secure | Yes |
Funding and limits
| Crypto top-up | Yes ··· |
| Bank transfer | Yes (withdraw to USD/EUR/GBP/NGN) |
Billing
| Billing country | United States |
Platform compatibility
| Netflix / Spotify | Yes |
| Meta / Google Ads | Yes |
What the issuer states on its own site
- Send money from your Figo balance directly to local bank accounts in over 100 countries.
- Receive crypto into your Figo account or convert and send funds to over 100 supported digital assets with fast execution and competitive rates.
- Right rail per use case, mid-market FX, transparent fee.
- Move money across supported corridors with live mid-market rates and transparent fees.
- Every transfer costs you time, or a fee, or both.
Source: https://spendfigo.com.
How it performed in our tests
| BIN range | Network | Issuing country | Type | Charges | Cleared | Clear rate |
|---|---|---|---|---|---|---|
| 419228 | Visa | United States | Debit | 169 | 119 | 70.4% |
We logged 119 cleared charges out of 169 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
Issuing country
Other Visa virtual cards
Frequently asked
What does Figo cost to run?
The cost lines stack like this: issuing it costs $2 ($0 limited-time promotion); there is no monthly fee on the entry tier; loading it carries no top-up fee; conversion is priced at 2% FX; international $0.6 + 2%; 1% USD transaction fee; you need 10 to get going. 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 Figo?
Figo 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
How can I fund Figo?
You can fund it with crypto (USDC/USDT/PYUSD; 20+ tokens on Ethereum/Polygon/Optimism/Arbitrum), bank transfer (withdraw to USD/EUR/GBP/NGN). Pick the one you can top up cheaply and repeatedly, because the load fee is charged every time.
Which billing address does Figo need?
Setting it up: cards are issued against United States; 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 Figo work for subscriptions and AI tools?
We recorded successful charges for Netflix and Spotify, Meta and Google Ads. 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 Figo trigger 3-D Secure?
Yes. Figo 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 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.