UltimoPay Card
UltimoPay Card is a crypto card (offshore neobank) issued on Visa, rated 5.5/10 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.
UltimoPay Card is the strongest fit for app store / play and crypto funded, and asks for ID + proof at signup — we carry it at high - very high entry cost ($600 issuance plus $80/year); fully custodial; the issuer of record is joint development bank (JDB), laos, which was placed under EU sanctions in 2026 and has been linked by third-party reviewers to card payments and ATM withdrawals failing since may 2026 with funds reportedly frozen; limited public fee transparency 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 | UltimoPay Card · Crypto Card (offshore neobank) |
| Best for | App Store / Play · Crypto funded |
| Network | Visa |
| Rating | 5.5/10 (3.0★, 521 data points) |
| Data quality | partial |
Costs and fees
| Card creation fee | $600 ($450 card issuance + $150 bank opening deposit) |
| Monthly / annual fee | $80/year ($50 bank maintenance + $30 wallet) |
| Top-up (deposit) fee | 1% instant crypto-to-USD conversion (free if you wait 72 hours) |
| Minimum deposit | not published (no stated minimum) |
| FX / conversion fee | 0.75% merchant/ATM transaction fee |
Verification and risk
| KYC required | Yes ··· |
| Risk level | High - very high entry cost ··· |
Funding and limits
| Crypto top-up | Yes (USDT and BTC loaded to a USD offshore account) |
| Bank transfer | Yes (offshore account) |
| Alipay / WeChat Pay | No |
Billing
| Billing address | Offshore account; prepaid only, no IBAN |
| Billing country | Global (offshore model; no formal eligibility list published) |
Platform compatibility
| App Store / Google Play | Yes (advertised) |
How it performed in our tests
| BIN range | Network | Issuing country | Type | Charges | Cleared | Clear rate |
|---|---|---|---|---|---|---|
| 461401 | Visa | Multi-region | Debit | 204 | 146 | 71.6% |
We logged 146 cleared charges out of 204 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 Visa virtual cards
Frequently asked
What does UltimoPay Card cost to run?
The cost lines stack like this: issuing it costs $600 ($450 card issuance + $150 bank opening deposit); the recurring charge is $80/year ($50 bank maintenance + $30 wallet); top-ups cost 1% instant crypto-to-USD conversion (free if you wait 72 hours); conversion is priced at 0.75% merchant/ATM transaction fee; you need not published (no stated minimum) 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 UltimoPay Card?
UltimoPay 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 (government-issued photo ID and usually a selfie; no anonymous tier)
How can I fund UltimoPay Card?
You can fund it with crypto (USDT and BTC loaded to a USD offshore account), bank transfer (offshore account). Pick the one you can top up cheaply and repeatedly, because the load fee is charged every time.
Which billing address does UltimoPay Card need?
Setting it up: the billing address type is Offshore account; prepaid only, no IBAN; cards are issued against Global (offshore model; no formal eligibility list published). Copy the address the issuer generates rather than retyping it. A transposed digit is the most common reason a working range starts failing.
Does UltimoPay Card 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.
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.