Spendge
Spendge is a B2B expense / corporate issued on Mastercard, rated 5.7/10 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.
Spendge is the strongest fit for ad spend and app store / play, and asks for business KYC 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 | Spendge · B2B Expense / Corporate |
| Official site | https://spendge.com |
| Best for | Ad spend · App Store / Play |
| Network | Mastercard |
| Rating | 5.7/10 (3.0★, 823 data points) |
| Data quality | partial |
Costs and fees
| Card creation fee | 5 EUR (personal); varies by BIN |
| Monthly / annual fee | 5 EUR (monthly card service, personal) |
| Top-up (deposit) fee | 4% + 2 USDT (crypto top-up); ~4.46% total |
Verification and risk
| KYC required | KYB (business); No-KYC (personal/anonymous) |
| Risk level | Medium |
| AVS check | No |
| 3-D Secure | Yes (optional 3DS) |
Funding and limits
| Crypto top-up | Yes (USDT, 30+ cryptos) |
| Bank transfer | Yes |
| Alipay / WeChat Pay | No |
| Cards per account | Unlimited |
Billing
| Billing country | Global (HQ London; founded Ukraine 2021); restricted GEOs |
Platform compatibility
| ChatGPT | No |
| Claude | No |
| Midjourney | No |
| Netflix / Spotify | No |
| App Store / Google Play | Yes (personal cards) |
| Meta / Google Ads | Yes |
What the issuer states on its own site
- You’ll never have to worry about hitting a spending limit or running out of funds.
- Top up your Spendge account using Crypto and Wires, and enjoy low rates and fair cashback rewards.
- Issue cards with a choice of BIN, currency, 3DS functionality, with your own balance or with the ability to link the card to your account balance.
- Get card transaction histories, filter transactions by status, get 3DS codes and track balance data, and account balance changes.
Source: https://spendge.com.
How it performed in our tests
| BIN range | Network | Issuing country | Type | Charges | Cleared | Clear rate |
|---|---|---|---|---|---|---|
| 542026 | Mastercard | Multi-region | Prepaid | 229 | 161 | 70.3% |
We logged 161 cleared charges out of 229 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 Spendge cost to run?
The cost lines stack like this: issuing it costs 5 EUR (personal); varies by BIN; the recurring charge is 5 EUR (monthly card service, personal); top-ups cost 4% + 2 USDT (crypto top-up); ~4.46% total. 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 Spendge?
Spendge asks for business KYC at signup. The check runs once when the account opens, not on each charge, and the issuer's own wording is: KYB (business); No-KYC (personal/anonymous)
How can I fund Spendge?
You can fund it with crypto (USDT, 30+ cryptos), bank transfer. Pick the one you can top up cheaply and repeatedly, because the load fee is charged every time.
Which billing address does Spendge need?
Setting it up: cards are issued against Global (HQ London; founded Ukraine 2021); restricted GEOs; 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 Spendge work for subscriptions and AI tools?
We recorded successful charges for 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 Spendge trigger 3-D Secure?
Yes. Spendge 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 Spendge?
The issuer allows Unlimited. 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.