Genome
Genome is a digital bank / neobank issued on Visa, rated 8.8/10 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.
Genome is the strongest fit for ad spend and AI subscriptions, 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 | Genome · Digital Bank / Neobank |
| Official site | https://genome.eu |
| Best for | Ad spend · AI subscriptions |
| Network | Visa |
| Rating | 8.8/10 (4.5★, 159 data points) |
| Data quality | verified |
Costs and fees
| Card creation fee | Virtual card 1 EUR (first 10); 10 EUR from 11th |
| Monthly / annual fee | 0 EUR ··· |
| Top-up (deposit) fee | Non-Genome card top-up 3% (externally initiated 1%) |
| FX / conversion fee | Non-card currency transactions 2%; EUR/USD/GBP conversion 1% |
Verification and risk
| KYC required | Yes |
| Risk level | Medium |
| AVS check | No |
| 3-D Secure | Yes (Genome Token) |
Funding and limits
| Crypto top-up | No |
| Bank transfer | Yes (SEPA free, SEPA outbound 1 EUR) |
| Alipay / WeChat Pay | No |
| Cards per account | 10 (first 10 free), business first 100 at 1 EUR |
Billing
| Billing address | Customizable |
| Billing country | Varies (custom address) |
Platform compatibility
| ChatGPT | Yes |
| Claude | No |
| Midjourney | No |
| Netflix / Spotify | Yes |
| App Store / Google Play | Yes (Apple Pay/Google Pay) |
| Meta / Google Ads | Yes |
| AI tools noted | ChatGPT |
What the issuer states on its own site
- Shape your financial future with Genome - seamless online services for everyday transfers and purchases with a transparent annual fee.
- You can open IBAN accounts online for both personal and business purposes, managing EUR, USD, GBP, and 9 more currencies.
- All fees, including the annual fee, are transparent.
- Separate and detailed fees, including the annual fee.
- Once your wallet is ready, start additional accounts in minutes in 12 different currencies.
Source: https://genome.eu.
How it performed in our tests
We logged 97 cleared charges out of 136 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 Genome cost to run?
The cost lines stack like this: issuing it costs Virtual card 1 EUR (first 10); 10 EUR from 11th; the recurring charge is 0 EUR (card monthly fee); non-EEA personal account 20 EUR/mo or 200 EUR/yr; top-ups cost Non-Genome card top-up 3% (externally initiated 1%); conversion is priced at Non-card currency transactions 2%; EUR/USD/GBP conversion 1%. 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 Genome?
Genome 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 Genome?
You can fund it with bank transfer (SEPA free, SEPA outbound 1 EUR). Pick the one you can top up cheaply and repeatedly, because the load fee is charged every time.
Which billing address does Genome need?
Setting it up: the billing address type is Customizable; the issuing region is not one country, and the issuer lists it as Varies (custom address); 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 Genome work for subscriptions and AI tools?
We recorded successful charges for ChatGPT, Netflix and Spotify, the App Store and Google Play, 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 Genome trigger 3-D Secure?
Yes. Genome 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 Genome?
The issuer allows 10 (first 10 free), business first 100 at 1 EUR. 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.