Oppi Wallet
Oppi Wallet is a crypto card issued on Mastercard, rated 6.5/10 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.
Oppi Wallet is the strongest fit for app store / play and crypto funded, and asks for ID + proof at signup — we carry it at medium (self-custody wallet but card balance is fiat-custodial; issuer not publicly named; no published limits) 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 | Oppi Wallet · Crypto Card |
| Official site | https://oppiwallet.com |
| Best for | App Store / Play · Crypto funded |
| Network | Mastercard |
| Rating | 6.5/10 (3.0★, 526 data points) |
| Data quality | partial |
Costs and fees
| Card creation fee | $10 virtual activation ··· |
| Monthly / annual fee | Free |
| Top-up (deposit) fee | Typically 1%–2% loading |
| FX / conversion fee | 2%–2.5% non-USD |
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 | No |
| Alipay / WeChat Pay | No |
| Cards per account | Multiple virtual cards (shared balance) |
Billing
| Billing address | Global |
| Billing country | 210+ countries (restricted: Cuba, Iran, North Korea, Syria) |
Platform compatibility
| ChatGPT | No |
| Claude | No |
| Midjourney | No |
| Netflix / Spotify | No |
| App Store / Google Play | Yes |
| Meta / Google Ads | No |
How it performed in our tests
| BIN range | Network | Issuing country | Type | Charges | Cleared | Clear rate |
|---|---|---|---|---|---|---|
| 550670 | Mastercard | Multi-region | Debit | 178 | 125 | 70.2% |
We logged 125 cleared charges out of 178 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 Mastercard virtual cards
Frequently asked
What does Oppi Wallet cost to run?
The cost lines stack like this: issuing it costs $10 virtual activation ($5 credited back, $5 effective); $100 physical incl. shipping; there is no monthly fee on the entry tier; top-ups cost Typically 1%–2% loading; conversion is priced at 2%–2.5% non-USD. 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 Oppi Wallet?
Oppi Wallet 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 (government ID + selfie; only for card features, not the wallet)
How can I fund Oppi Wallet?
You can fund it with crypto (BTC, ETH, USDT, USDC; Ethereum, BNB Chain, Polygon, TRON, Solana). Pick the one you can top up cheaply and repeatedly, because the load fee is charged every time.
Which billing address does Oppi Wallet need?
Setting it up: the billing address type is Global; cards are issued against 210+ countries (restricted: Cuba, Iran, North Korea, Syria); 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 Oppi Wallet 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 Oppi Wallet trigger 3-D Secure?
Yes. Oppi Wallet 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 Oppi Wallet?
Oppi Wallet allows more than one number per account rather than a fixed count, and the issuer's own wording is: Multiple virtual cards (shared balance). Multiple numbers under one account is the practical pattern here, so a single merchant 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.