Card to the Future
Illustration in the plan's colour, not the issuer's artwork

BFinance Card

VisaCustodialKYC full

BFinance is a Telegram mini-app account from a Canadian-registered company that issues a $1 virtual Visa card funded with USDT or USDC and usable with Apple Pay and Google Pay. The issuer publishes no personal fee schedule or card terms, so fees, limits and the card issuer rest on third-party reports.

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11Card Score, #30 of 36
−$252You keep a year
F38Trust points of 100
68%Key fields with a source

Plans side by side

Virtual card
Price
Virtual card fee$11Issuer says the card costs $1; Cardify reports the $1 is credited straight to the balance
Staking needed01Nothing to lock is mentioned; the card needs only KYC and a balance
Other requirementsFull KYC through the Telegram mini app before the card works1,7A Trustpilot reviewer says payments are blocked until full KYC is done
Rewards
Cashback0%5Paymentscan lists no base cashback; the Nov-04, 2026 channel post hints at getting 'a bit back' without a rateNot confirmed by the issuer
PerkseSIM purchases with cashback, Airport lounge booking discounts5Not confirmed by the issuer
Fees
FX fee1.5%6,5Not published by the issuer for this card. Cardify reports 1.5% over mid-market (provider claim) and Paymentscan lists 1-2%; Paymentscan measured about 2.97% on one tiny PLN 1.70 purchase, and Finek reported about 1% in Dec-2025Not confirmed by the issuer
ATM fee0%5Paymentscan lists no additional ATM fees; Cardify says ATM use needs a physical card, which the issuer does not promoteNot confirmed by the issuer

Real payments

FX markup paidPaymentscanAbout 2.97% on one PLN 1.70 purchase charged $0.46; a single tiny payment, so fixed fees weigh heavily5
FX markup paidFinek channel author, Dec-29, 2025About 1% on non-USD purchases plus a fixed $0.11 per USD purchase, as stated by the channel author at launch8
MeasuredFinek chat member, Feb-28, 2026Card top-up fee of 1.5% charged, a user said; they had expected about $0.109

What someone actually paid, which can differ from the advertised fee. Each test is one payment or a few, so treat it as a signal.

What you keep

Card fee, spread over 2 years$0
FX fee on foreign spend−$71
Fees on every purchase−$180
Net a year, Virtual card plan−$252

$1,000 a month, 20% in a foreign currency, no staking. Change

Trust

Licence and regulator5 of 25

The operator is registered with FINTRAC in Canada, but the card issuer is not named and no EU authorisation exists yet; BFinance says its CASP application is still in progress.3,1

Custody and fund protection6 of 20

Custodial balance with no published safeguarding or segregation terms for personal accounts.6

Incidents in the last 24 months12 of 20

No hack or closure found, but a user reported a card provider change with warnings of blocks in Jun-2026, and Trustpilot reviewers report stuck withdrawals.10,7

Track record and verified volume9 of 15

Live since Sep-2024 with about $49.7M all-time volume on Paymentscan, but monthly volume fell from $6.67M in Mar-2026 to about $1.1M in Oct-2026.5

Published fees and terms3 of 10

No personal fee schedule, card terms or named issuer; the published terms cover the website only and the fee schedule covers business plans.3,11

Support and user sentiment3 of 10

Support runs through a Telegram bot and email; Trustpilot shows complaints about slow replies and the company typically takes over a month to answer reviews.7

Company

Legal entityBF TECHNOLOGIES CORP. (British Columbia, Canada, reg. no. BC1551114); BFinance Technologies s.r.o. (Prague) appears on the availability list3,2Terms name the Canadian company as operator of the platform; services are provided under separate agreements
HeadquartersCanada3Registered office in Vancouver; a Prague office appears on the products availability list
Websitebfinance.app3The site now shows only Business and Build-with-us products; its Personal page says 'Coming soon', while the Telegram mini app serves individuals
X@bfinancepay1Handle also used for the Telegram channel
Telegramhttps://t.me/bfinancepay1Mini app: t.me/bfinancebot/app

Issuer and licence

Program managerBF TECHNOLOGIES CORP.3Finek says the platform runs on Bridge.xyz infrastructure; not confirmed by the issuer
LicencesFINTRAC registration No. C10001733 (Canada)3Terms give the registration number without naming the category. The issuer says it is applying for CASP authorisation in the EU
RegulatorFINTRAC (Canada)3
NetworkVisa1,5Issuer's posts say 'virtual Visa'; Finek (Dec-2025) described both Visa and Mastercard

The card

Statuslive1
Launched2024-095Paymentscan gives Sep-2024
FormsVirtual1
Custodycustodial6Cardify describes a custodial wallet; the issuer does not describe custody
KYCfull1,7
KYC documentsIdentity verification run by Sumsub4Cardify lists email, phone, proof of address, ID, face scan and a questionnaire; Finek (Dec-2025) says proof of address is not required
KYC timeA couple of minutes after KYC the card is ready1Cardify reports about 10 minutes for setup
Minimum age183
Settles inUSD5Spending is from a USD or USDC balance per Paymentscan

Funding

Crypto acceptedUSDTUSDC1
ChainsEthereumBNB ChainSolanaArbitrumAvalancheBase5USDC deposit networks observed by Paymentscan
Fiat top-upSEPAACHUS wireFaster PaymentsBACSPIXSPEICOP bank transferBybit Pay5Bank rails go to a BFinance account balance; card top-ups from Visa, Mastercard and others were unavailable when Paymentscan tested
Deposit feesIncoming bank payments 0.5%5Card top-up fee not published; see tests
Spends fromBalance held in the BFinance account1Issuer: top up with USDT or USDC, then pay by card

Payments

Apple Pay1
Google Pay1
Contactless1Issuer's post says to tap at the counter, via Apple Pay or Google Pay
Online subscriptionsYes1Issuer promotes subscriptions such as AI and hosting tools

Where it works

RegionsEurope (EEA)United KingdomUnited StatesLatin AmericaAsia-PacificMiddle EastAfrica2
Countries772Cards row of the products availability list; wallets are open to almost every country
United States2
United Kingdom2
EEA2
Supported countriesAndorraAndorraAustriaAustriaBelgiumBelgiumBulgariaBulgariaCroatiaCroatiaCyprusCyprusCzechiaCzechiaDenmarkDenmarkEstoniaEstoniaFinlandFinlandFranceFranceGermanyGermanyGibraltarGibraltarGreeceGreeceHungaryHungaryIcelandIcelandIrelandIrelandItalyItalyLatviaLatviaLithuaniaLithuaniaLuxembourgLuxembourgMaltaMaltaMonacoMonacoMontenegroMontenegroNetherlandsNetherlandsNorwayNorwayPolandPolandPortugalPortugalRomaniaRomaniaSlovakiaSlovakiaSloveniaSloveniaSpainSpainSwedenSwedenSwitzerlandSwitzerlandUnited KingdomUnited KingdomAustraliaAustraliaHong Kong SAR ChinaHong Kong SAR ChinaIndonesiaIndonesiaMalaysiaMalaysiaPhilippinesPhilippinesSingaporeSingaporeTaiwanTaiwanThailandThailandVietnamVietnamArgentinaArgentinaBrazilBrazilChileChileColombiaColombiaEcuadorEcuadorMexicoMexicoPeruPeruAzerbaijanAzerbaijanGeorgiaGeorgiaGhanaGhanaGuernseyGuernseyIsle of ManIsle of ManIsraelIsraelJerseyJerseyKazakhstanKazakhstanKenyaKenyaMacao SAR ChinaMacao SAR ChinaMoldovaMoldovaNigeriaNigeriaOmanOmanPanamaPanamaSouth AfricaSouth AfricaTürkiyeTürkiyeUgandaUgandaUkraineUkraineUnited Arab EmiratesUnited Arab EmiratesJapanJapanSouth KoreaSouth KoreaEl SalvadorEl SalvadorSaudi ArabiaSaudi ArabiaBahrainBahrainUzbekistanUzbekistanUnited StatesUnited States2

Account

Local accountsUSD (ACH, Fedwire), EUR (SEPA), GBP (Faster Payments), BRL (PIX), MXN (SPEI)5Issuer's channel also announced GBP accounts in Feb-2026
Crypto loansNo5Paymentscan lists borrow-to-spend as not supported
Multi-currencyYes1One balance for crypto and fiat
OtherBank account costs $5 a month per Paymentscan5

App

Web app1
SupportTelegram support botsupport@bfinance.app3,1

Reputation

Trustpilot3.77Only 11 reviews in total, 3 in the last 12 months
Trustpilot reviews117
Common complaintsWithdrawals or transfers delayed or stuck under review, Slow or unresponsive support, Payments blocked until full KYC, not explained upfront, Telegram bot interface felt limiting, Card provider change reported in Jun-2026, with new cards not issued and a warning of blocks (user report)7,10
Common praiseSimple to top up and spend crypto, Card works with Apple Pay7

Adoption

On-chain spend, all time$49,730,0005Self-reported to Paymentscan; 1,905,264 transactions
On-chain spend, last month$1,139,0005Oct-2026; the peak month was Mar-2026 at $6.67M

Incidents and changes

Jun 2026A user reported that support said the card provider was being changed, with payment problems possible and old cards to be blocked later (unverified user report).10other

More details

EU crypto licence statusIssuer says it is applying for CASP authorisation and does not yet do DAC8 reporting (post of Jan-20, 2026)1
Personal and business productsThe website and fee schedule now cover business and platform clients; individuals use the Telegram mini app, and the website's Personal page says 'Coming soon'11,1
Bank account fee$5 a month for a bank account, free to open5
Partner rewards5% on eSIMs, up to 20% on airport lounge bookings, 5% on other airport services5
Card issuer reportsThird parties name different card providers (Sutton Bank, Wirex) and none is confirmed by the issuer8,6

Quick answers

What does the BFinance Card cost?

The Virtual card plan: — a month, — for a physical card.

How much cashback does the BFinance Card pay?

0% on the Virtual card plan, paid in a form not published.

What is the BFinance Card FX fee?

1.5% on the Virtual card plan.

Is the BFinance Card custodial?

Custodial.

Is the BFinance Card available in the US, the UK and the EEA?

US: yes. UK: yes. EEA: yes.

How much do you keep with the BFinance Card?

−$252 a year on the Virtual card plan at $1,000 a month with 20% in a foreign currency, after every fee.

Sources

  1. BFinance official Telegram channel (posts Aug-2026 to Nov-2026), issuer, Nov-05, 2026
  2. BFinance Products availability (updated Jun-23, 2026), issuer, Nov-05, 2026
  3. BFinance Terms of Use (updated Oct-23, 2026), issuer, Nov-05, 2026
  4. BFinance Privacy Policy, issuer, Nov-05, 2026
  5. BFinance on Paymentscan, paymentscan, Nov-05, 2026
  6. Bfinance Card Review (Cardify, verified Oct-20, 2026), review, Nov-05, 2026
  7. BFinance reviews on Trustpilot, trustpilot, Nov-05, 2026
  8. Finek channel, BFinance overview, Dec-29, 2025, community, Nov-05, 2026
  9. Finek chat, user report, Feb-28, 2026, community, Nov-05, 2026
  10. Finek chat, user report, Jun-24, 2026, community, Nov-05, 2026
  11. BFinance Business fee schedule (business plans, updated May-18, 2026), issuer, Nov-05, 2026

Something wrong or out of date? Report it with a source.