Utorg Card
Visa + MastercardhybridKYC: required
2.5 / 5
Net Reward1.0
Availability2.0
Custody & Risk3.5
Features3.0
The Utorg Card is a virtual, non-custodial crypto debit card issued by Utrg UAB (Lithuania) for residents of select EEA countries and Ukraine. Users retain control of their private keys, converting crypto to EUR before spending at Visa/Mastercard merchants through Apple Pay or Google Pay.
Apply
Slug: utorg-card
Our Verdict
Crypto privacy enthusiasts who prioritize maintaining control of their private keys while spending cryptocurrency, EEA residents needing compliant crypto spending, high-volume spenders benefiting from €50,000 limits, and Solana USDC holders wanting to spend at traditional terminals.
Pros and cons
Pros
- Non-custodial approach gives users full control over their crypto assets with locally encrypted private keys
- Zero card issuance and maintenance fees reduce overall costs
- High €50,000 spending limit accommodates large purchases
- Currently 0% fees on both EUR and non-EUR transactions (promotional period)
- Seamless integration with Apple Pay and Google Pay for convenient spending
- Excellent customer service with fast response times (often under 10 minutes)
- First non-custodial wallet to enable Solana USDC spending at traditional payment terminals
- Multi-card support for users needing multiple virtual cards
Cons
- Virtual card only - no physical card option or ATM access
- Limited to EEA residents plus Ukraine, excluding many global markets
- No cashback or rewards program currently available
- 1% FX fee may return when promotional period ends (per T&Cs)
- Requires manual pre-conversion of crypto to EUR before spending
- €500 minimum initial top-up required to enable multi-card functionality
Supported chains
AvalancheBitcoinEthereumPolygonSolanaTRON
Supported cryptos
BNBBTCDOGEETHLTCMATICSOLTRXUSDCUSDT
Fees
Atm Uk: N/A (virtual card only)
Monthly: €0
Issuance: €0
Atm Non Uk: N/A (virtual card only)
Crypto To Fiat: ~0.5% spread + network gas fees
Purchase Transaction: 0%
Key Features
- Non-custodial model - users retain control of their private keys
- Virtual card only with Apple Pay and Google Pay integration
- €50,000 spending limit with zero fees on EUR transactions (promotional)
- Support for 200+ cryptocurrencies across 12 blockchains
- First non-custodial crypto wallet to enable USDC spending on Solana at any Visa/Mastercard terminal via Hyper App
- Multiple cards can be issued per user after initial €500 top-up
- 24/7 customer support via in-app chat and email
Limitations
- Virtual card only - no physical card option or ATM access
- No cashback or rewards program currently available
- 1% FX fee may return when promotional period ends (per T&Cs)
- Limited to EEA residents plus Ukraine, excluding many global markets including US and UK
- Requires manual pre-conversion of crypto to EUR before spending
- €500 minimum initial top-up required to enable multi-card functionality
Risks
- RegulatoryFinTelegram published compliance investigation alleging Utrg UAB d/b/a utPay facilitates offshore casino payments by disguising gambling deposits as crypto purchasesOctober 9, 2025
- CounterpartyPre-loaded EUR on the card may be lost if provider disappears, even though unconverted crypto remains accessibleHybrid custody model risk
Rewards & Cashback
Notes: Support has indicated cashback may be launched in the future. No staking or token holding requirements.
Cashback Rate: None currently available
Spending Limits
Notes: €500 minimum initial top-up required to enable multi-card functionality
Atm Daily: N/A (virtual card only)
Atm Monthly: N/A (virtual card only)
Daily Spending: Configurable in-app (under primary maximum)
Per Transaction: Configurable in-app
Monthly Spending: €50,000 (marketed as monthly; some reviewers interpret as daily)
Top-Up Methods
Crypto from non-custodial Utorg walletBank card fundingSEPA/Swift bank transfer
Min Amount: €500 (for multi-card functionality)
Banking & Financial Services
✓
SEPA Transfers
✓
SWIFT
SEPA/Swift bank transfer available for funding at 1.5% fee
Security Features
Features: PCI DSS Level 2 certification,3-D Secure v2 (Visa Secure & MasterCard SecureCode),Local encryption of private keys on user's device,Non-custodial model
Mobile Wallet Support
Apple PayGoogle PayiOSAndroid
Best For
Crypto privacy enthusiasts who prioritize maintaining control of their private keys while spending cryptocurrency, EEA residents needing compliant crypto spending, high-volume spenders benefiting from €50,000 limits, and Solana USDC holders wanting to spend at traditional terminals.
Custody Model
hybridUsers control private keys and crypto in a non-custodial wallet. Private keys are encrypted and stored locally on the user's device, not on Utorg's servers. Custody transfers to provider when crypto is manually converted to EUR and pre-loaded to card.
Risk: If provider disappears, unconverted crypto remains accessible, but pre-loaded EUR on the card may be lost.
Card Issuer & Compliance
Issuer Name: Quicko Sp. z o.o. (Polish card service provider)
Kyc Required: true
Issuer License: Licensed under Lithuanian law as virtual currency exchange and wallet provider
Platform Licenses: Lithuanian virtual currency exchange and wallet provider license,PCI DSS Level 2 certification
Availability
Available in 31 countries (EEA countries plus Ukraine). Restricted in 8 countries including US, UK, Japan, Russia, China, Singapore, Nigeria, Afghanistan. Any country subject to UN/EU/OFAC sanctions (approximately 50 countries total) also excluded.
Card Tiers
Standard
Virtual onlyVirtual only
KYC verification (Government ID and proof of address)
Fees
Issuance: €0
Top-up: 0%
Monthly: €0
Monthly Limit: €50,000
VisaMastercardApple PayGoogle Pay
Cashback: None
ATM Free: N/A
FX Free: Unlimited (promotional)
Non-custodial wallet integration€50,000 spending limit0% fee on EUR and non-EUR transactions (promotional)Solana USDC spending capability via Hyper AppMultiple cards per user supported
User Ratings
4.5/5
Trustpilot
Positive: Easy setup, seamless payments, excellent customer service with quick response times (often under 10 minutes). Negative: Lack of physical card, no cashback, required manual pre-conversion of funds.
Roadmap & Updates
Planned Features:
- Cashback program (mentioned as future possibility)
Recent Updates:
- Solana USDC integration via Hyper App
- Terms of Use updated July 1, 2025
Conclusion
Utorg Card offers a distinctive approach in the crypto card market with its non-custodial model that allows users to maintain control of their private keys while gaining spending capability. For EEA residents who prioritize self-custody and privacy, the card provides a compelling option with generous spending limits and currently zero transaction fees during the promotional period. However, the card has clear limitations compared to competitors, particularly the lack of a physical card option, ATM access, and rewards program. The requirement to manually convert crypto to EUR before spending also creates additional friction compared to cards offering real-time conversion at point of sale. Users should also be aware that the current 0% FX fee is promotional and may revert to 1% per the Terms & Conditions.
Card launched: 2023-2024
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