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NeuroticFish

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Quote from: DavideBaldini on August 02, 2021, 02:13:52 PM

The self-service pump first displayed "pin code correct", and then "transaction denied".

My Binance card is denied by a small number of shops, the most known being the Lidl group (both inside or outside my country).
But I've got used by that, the old Wirex, when it was also issued by Contis, had the same problem. So it's not a Binance issue, it's a Contis issue.

Quote from: DavideBaldini on August 02, 2021, 02:13:52 PM

My first and last instance of letting the card automatically convert from crypto to EURO applied a terrible or buggy conversion rate, like 50% worse than the spot price.

I use seldom the auto-conversion, exactly because I've noticed something odd with the conversion rate, but I cannot tell how bad it was when I've noticed it. But I don't have enough "data" to say more, maybe others use the auto-conversion more and can tell?

DavideBaldini

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I had the Binance plastic card for a few months. It worked w/o issues on every shop I tried it, online and at a POS, except for a Tamoil gas station where it was rejected despite the card held 180€ at the time, all deposited as EURO. The self-service pump first displayed "pin code correct", and then "transaction denied".

Conveniently Binance sends an instant email whenever an online merchant tries to charge the card for an amount greater than the card's balance.

At the time of a transaction, the 0.9% fee is levied only if a cryptocurrency conversion is required to rise enough EURO to complete the payment, otherwise the fee is null. My first and last instance of letting the card automatically convert from crypto to EURO applied a terrible or buggy conversion rate, like 50% worse than the spot price.

crypto-recovery

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Swipe.io is still up and running, but the page that's listed in the list (https://swipe.io/cards) is now a broken page. Here's an archived version of the old page: https://web.archive.org/web/20201126114828/https://swipe.io/cards

OmegaStarScream

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Quote from: dkbit98 on July 18, 2021, 08:04:46 AM

I don't think that Xapo card is yet released for every country, except maybe for beta testing purposes , but it should happen this year with relaunching of their digital bank.
I can't fins any page with fees but charging $150 annual fees is a bit to much in my opinion when compared with other card competition.

It says "coming soon" on the website but the app is already released as "Xapo bank". I installed it but I'm not receiving any confirmation link whenever I submit my email.

In case someone is interested in trying it: https://play.google.com/store/apps/developer?id=Xapo&hl=en&gl=US

Quote from: snipie on July 19, 2021, 03:36:00 PM

There is only few services accepting the rest of the world and AFAIK only advcash released new cards in the last couple months although they launched it in the past then stopped and changed providers before accepting it again.

Xapo's card, Advcash, B21.io (not all, but about ~80 countries which is more than most of the services out there), and you also have the big giant Revolut who are soon going to start supporting more countries. That's why I've been wondering if there were any new laws that helped all these services go worldwide, or it's just a coincidence.

snipie

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Quote from: OmegaStarScream on July 19, 2021, 10:32:00 AM

I've also asked the support about the virtual card, and they said they currently have no information about it.

I already asked about virtual cards in advcash topic here and got this answer:

Quote from: AdvancedCash on July 19, 2021, 04:13:11 AM

Quote from: snipie on July 17, 2021, 07:32:48 PM

Hi, I see advcash updated its card and included ADV Global and ADV Crypto World which is a great move although comparing to Europe, fees are higher. I wonder know why global virtual card wasn't included? and when it will be available? Thanks.

Fees are always higher if you compare internationally available products with EU-only products, this works for basically any such platform. The economics of international USD cards is quite different, and the fees reflect that.

It depends on the card vendor what kinds of cards they offer. These vendors do not have virtual cards at the moment, but if and when they do, we will be happy to consider adding them as well.

Quote from: OmegaStarScream on July 19, 2021, 10:32:00 AM

Did something change regarding the providers of the cards? Why are more services starting to accept the rest of the world all of a sudden?

There is only few services accepting the rest of the world and AFAIK only advcash released new cards in the last couple months although they launched it in the past then stopped and changed providers before accepting it again.

OmegaStarScream

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Quote from: snipie on July 18, 2021, 09:05:25 AM

Quote from: dkbit98 on July 18, 2021, 08:04:46 AM

Quote from: snipie on July 17, 2021, 07:41:03 PM

Update concerning ADVcash: for the rest of the world, you can now (if available in your country) order a plastic ADV Global card or a plastic ADV Crypto World card for $95 + fees ~$30-60/year. Fees details can be checked in your accounts.

What is the difference between ADV Global card and ADV Crypto World card?
I see that ADV Crypto World card have 0.75% currency exchange fee, and ADV Global card have no fees, so I am not sure if both of them accept Bitcoin/crypto, or one of them is just for fiat currencies.

Normally both cards can be topped from your ADVcash account so accepting bitcoin. ADV Crypto World is mentioned to have multiple load options but I can't tell which.
The main difference I noticed is in fees between both cards and the validity time. You have to login to get more details about them. Personally I am not very interested in plastic cards so I didn't dig further

Here are all the differences between the two cards[1][2]. The Global one (which is a UnionPay card) is cheaper (when comparing maintenance fees) however I find that the "Crypto world" card is better since it's a Visa and can be used anywhere. As for the card issuance fee, then the price looks reasonable to me considering that they're using DHL for delivery.

I've also asked the support about the virtual card, and they said they currently have no information about it.

Did something change regarding the providers of the cards? Why are more services starting to accept the rest of the world all of a sudden?

[1] https://i.imgur.com/WxiAwQm.png
[2] https://i.imgur.com/awS5iiL.png

snipie

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Quote from: dkbit98 on July 18, 2021, 08:04:46 AM

Quote from: snipie on July 17, 2021, 07:41:03 PM

Update concerning ADVcash: for the rest of the world, you can now (if available in your country) order a plastic ADV Global card or a plastic ADV Crypto World card for $95 + fees ~$30-60/year. Fees details can be checked in your accounts.

What is the difference between ADV Global card and ADV Crypto World card?
I see that ADV Crypto World card have 0.75% currency exchange fee, and ADV Global card have no fees, so I am not sure if both of them accept Bitcoin/crypto, or one of them is just for fiat currencies.

Normally both cards can be topped from your ADVcash account so accepting bitcoin. ADV Crypto World is mentioned to have multiple load options but I can't tell which.
The main difference I noticed is in fees between both cards and the validity time. You have to login to get more details about them. Personally I am not very interested in plastic cards so I didn't dig further

dkbit98

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Quote from: rsarkar on July 14, 2021, 12:23:17 AM

Xapo has restarted issuing debit cards. somebody please review it.

I don't think that Xapo card is yet released for every country, except maybe for beta testing purposes , but it should happen this year with relaunching of their digital bank.
I can't fins any page with fees but charging $150 annual fees is a bit to much in my opinion when compared with other card competition.

Quote from: snipie on July 17, 2021, 07:41:03 PM

Update concerning ADVcash: for the rest of the world, you can now (if available in your country) order a plastic ADV Global card or a plastic ADV Crypto World card for $95 + fees ~$30-60/year. Fees details can be checked in your accounts.

What is the difference between ADV Global card and ADV Crypto World card?
I see that ADV Crypto World card have 0.75% currency exchange fee, and ADV Global card have no fees, so I am not sure if both of them accept Bitcoin/crypto, or one of them is just for fiat currencies.

snipie

legendary

Activity: 3094

Merit: 1140

#SWGT CERTIK Audited

Update concerning ADVcash: for the rest of the world, you can now (if available in your country) order a plastic ADV Global card or a plastic ADV Crypto World card for $95 + fees ~$30-60/year. Fees details can be checked in your accounts.
https://www.advcash.com/en/solutions/card/

Pro: available in many countries normally in addition to Europe
Cons: no virtual card? + higher fees for global users comparing to Europe
I asked in ADVcash topic here about the virtual card for global users, hope it will be available with reasonable fees.

snipie

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Quote from: OmegaStarScream on July 14, 2021, 06:49:55 AM

Quote from: snipie on July 14, 2021, 06:27:36 AM

In fact we are talking about a new Xapo service, it is now a digital bank (based on Gibraltar), like Neteller for example. It offers a bank account, a vault and a debit card for $150 annual fees.
Pro: card is available worldwide apparently with almost no fees.
Con: $150/year, no virtual card?
I don't count to join them with such rate..

Do you happen to know which type of card they offer? Also where did you read about the countries? I can't find a list. I can only see that they offer bank transfers in over 130 countries.

It appears to be Mastercard according to the image in the main page over "More than just a debit card".
Well for countries, they didn't precise anything other than this

Code:

Xapo is prohibited from transacting with individuals, companies and countries that are on prescribed sanctions lists. Xapo will therefore screen against United Nations, European Union, UK Treasury and US Office of Foreign Assets Control (OFAC) sanctions lists in all jurisdictions in which we operate

and this

Code:

Xapo is headquartered in Gibraltar. However, due to the nature of our global offering, we have operations throughout the world, including but not limited to, North America, South America and Asia. We transfer your data to countries outside the European Economic Area (“third countries”) to the extent that is necessary in order to perform our services requested by you.

Text could be found here https://legal.xapo.com/xapo-privacy-policy/

OmegaStarScream

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Quote from: snipie on July 14, 2021, 06:27:36 AM

In fact we are talking about a new Xapo service, it is now a digital bank (based on Gibraltar), like Neteller for example. It offers a bank account, a vault and a debit card for $150 annual fees.
Pro: card is available worldwide apparently with almost no fees.
Con: $150/year, no virtual card?
I don't count to join them with such rate..

Do you happen to know which type of card they offer? Also where did you read about the countries? I can't find a list. I can only see that they offer bank transfers in over 130 countries.

snipie

legendary

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Quote from: rsarkar on July 14, 2021, 12:23:17 AM

Xapo has restarted issuing debit cards. somebody please review it.

In fact we are talking about a new Xapo service, it is now a digital bank (based on Gibraltar), like Neteller for example. It offers a bank account, a vault and a debit card for $150 annual fees.
Pro: card is available worldwide apparently with almost no fees.
Con: $150/year, no virtual card?
I don't count to join them with such rate..

rsarkar

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Activity: 102

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Xapo has restarted issuing debit cards. somebody please review it.

OgNasty

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It looks like a lot of the cards in the OP are still listed as being only available to European citizens. Coinbase definitely now allows Americans to have their Debit Card (I have one) and they offer 1% back in BTC or 4% back in XLM. The card looks quite nice, although I still prefer the look and feel of my Apple Card. Getting crypto back for spending fiat is great though and I've finally found a reason to hold a stablecoin (considered fiat in this statement). There wasn't any cost associated with receiving the card and no fees, so I don't see why anyone with a Coinbase account wouldn't have one of these sitting around.

NeuroticFish

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Quote from: Sumarokov on June 03, 2021, 04:43:07 AM

Sadly, Wirex only works on a smartphone.

This is incorrect. I don't remember what are the requirements to get the card, but at least afterwards you can do everything from the browser.
And you need that only if you want to do the exchanges by hand. The new Wirex can convert automatically, so all you have to do is get the top up crypto address(es) and fund from time to time from your crypto wallets.

Sumarokov

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Yes, that is the ultimate back-up option. However, I find banks go completely loopy over transfers from crypto exchanges, call you up and I just want to avoid the hassle and only work with institutions which are mainly focused on the crypto thing (i.e. not high-street banks).

Bitwala would be ideal, but only works on a smartphone. I would like to find something like Bitwala, but which works on a PC...

Quote from: NeuroticFish on June 03, 2021, 02:46:02 AM

If the operations you need (from PC/browser) are only sending crypto to account, maybe conversion to fiat, top up the card and also checking the transactions, Binance and AdvCash clearly have that, I think that even Wirex has it.

Sadly, Wirex only works on a smartphone.

[moderator's note: consecutive posts merged]

NeuroticFish

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Quote from: Sumarokov on June 03, 2021, 02:36:09 AM

Yes, I was not terribly clear and have rephrased the above message. While Sepa transfer would be good as well, what I am mainly looking for is a Crypto debit card that lets you send crypto to it and manage it with an "internet banking" style interface that works on PC. I do not like using smartphones for banking due to sight issues.

If the operations you need (from PC/browser) are only sending crypto to account, maybe conversion to fiat, top up the card and also checking the transactions, Binance and AdvCash clearly have that, I think that even Wirex has it.

Sumarokov

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Yes, I was not terribly clear and have rephrased the above message. While Sepa transfer would be good as well, what I am mainly looking for is a Crypto debit card that lets you send crypto to it and manage it with an "internet banking" style interface that works on PC. I do not like using smartphones for banking due to sight issues.

snipie

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Quote from: Sumarokov on June 02, 2021, 02:31:25 PM

Can anyone recommend a crypto debit card linked to a bank that is not just app on smartphone, but allows internet banking using a PC with Windows?

I know the latter is less secure, but I hate apps on smartphones.

Alternatively, a bank account like Fidor with easy access to Kraken (if Fidor allows internet banking). I live in Germany.

Not sure if I fully understand what you mean by "bank". There is some online services that offers plastic or virtual cards, allow sepa transfer and other options depending from the service itself and from your location. Take a look on advcash, you can use it in pc, you can register there and see if it is suitable for you or not before doing KYC.

Sumarokov

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Can anyone recommend a crypto debit card that is not just app on smartphone, but allows you to send crypto to the card and check things using a PC with Windows?

I know the latter is less secure, but I hate apps on smartphones.

Alternatively, a bank account like Fidor with easy access to Kraken (if Fidor allows internet banking). I live in Germany.

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