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Illustration in the plan's colour, not the issuer's artwork

Binance Card

MastercardCustodialKYC fulldebit

Binance runs a Mastercard debit card in Brazil (BRL, issued by Pomelo Instituição de Pagamento) and a USD Global Program in a few other countries; it spends crypto from the Binance exchange balance. The old EEA Visa card was closed in December 2023.

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71Card Score, #16 of 36
$90You keep a year
D45Trust points of 100
84%Key fields with a source

Plans side by side

Brazil Card
Global Program
Price
Monthly priceFree3No monthly fee listed; annual fee is 0 BRLFree5No monthly fee listed; annual fee is 0 USD
Yearly priceFree3Free5
Virtual card feeFree3,1Free5
Physical card feeFree3,1Needs at least 10 USDT equivalent across Spot, Funding and Flexible Earn to order—Physical card shown with shipping costs only
ShippingFree; delivery up to 14 days1USD 10 standard; USD 70 premium5
Staking needed04Cashback tier depends on monthly spend, not on holding BNB05No staking requirement listed
Other requirementsFull KYC with a Brazilian-issued ID or resident permit; Brazil residents1Applicants from other countries qualify only if they meet the Brazil eligibility and KYC rulesVerified Binance account in an eligible country; the page names no country list6Binance support says the programme currently covers Colombia and Peru; other pages name Australia, Argentina and Mexico separately
Rewards
Cashback3%4Since Jun-01, 2026: 1.5% under BRL 500 a month, 2% from BRL 500 to 5,000, 3% from BRL 5,000. The tier reached applies to the whole month's eligible spend—Not published by the issuer for this programme
Paid inBRL4Paid on the 10th of the next month; to the Spot Account from Sep-29, 2026 (Funding Account before)—Not published
Cashback cap a month$5004BRL 500 a month on the top tier; the lower tiers list no cap—Not published
Earns onPurchases paid with crypto; the BRL fiat part of a payment earns nothing4—Not published
No cashback onATM withdrawals and cash-like transactions, Payments to financial institutions, brokers and investment platforms, Government payments (taxes, fines, court costs), Gambling, BRL balance portion of a payment4—Not published
VestingNone; paid out on the 10th of the following month4—Not published
PerksApple Pay and Google Pay, Flexible Rate Loan against crypto via the Borrow option, Spending can draw on Flexible Earn balances, Card can be bound to Mercado Pago and 99Pay2,1U token payments: 0% FX and 0% conversion fee5
Fees
FX fee1.5%3Issuer states a range of 1% to 2% on non-BRL transactions and does not say what decides it; 1.5% is the midpoint. IOF tax and a conversion spread may also apply. No real-payment test found; SpendNode (s8) states 2%2%5Standard country group; 0% in Colombia, Peru, some CIS countries and Armenia; 3% in New Zealand. On top of Mastercard fees
Crypto conversion fee0.9%3Crypto converted to BRL at payment; 0% with the U token in selected countries0.9%5USDC is 0.1% in the rest-of-world and New Zealand groups
Top-up fee0%10No top-up: card spends from the Binance Funding and Spot accounts; direct top-ups from third-party providers are not supported—Not published
Free ATM a month2 withdrawals3Count, not money amount; then USD 1.50 each2 withdrawals5Physical cards; then USD 1.50 each
ATM fee0%30%5
ATM fixed fee$1.53USD 1.50 per withdrawal after the 2 free ones each month$1.55
Limits
Spend limit a day$25,0003BRL 25,000 at every KYC level—Limits are shown only in the app, by KYC level
Spend limit a month$50,0003BRL 50,000 at KYC level 1-2, 150,000 at level 3—Not published
Spend limit a year$200,0003BRL 200,000 / 450,000 / 600,000 at KYC level 1 / 2 / 3—Not published
ATM limit a day$3,0003BRL 3,000 / 5,000 / 7,000 at KYC level 1 / 2 / 3; max 3 withdrawals a day—Not published
ATM limit a month$25,0003BRL 25,000 at KYC level 1-2, 50,000 at level 3; max 30 withdrawals a month—Not published

What you keep

Rewards you can spend+$234
FX fee on foreign spend−$36
Fees on every purchase−$108
Net a year, Brazil Card plan$90

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

Trust

Licence and regulator12 of 25

The Brazil card is issued by Pomelo Instituição de Pagamento, a payment institution authorised by the Central Bank of Brazil. The Global Program issuer is not named and no card licence is stated for Binance itself.1

Custody and fund protection7 of 20

Fully custodial: card spending draws on the Binance exchange balances, converted at payment. No self-custody option or published protections for the card.2,10

Incidents in the last 24 months8 of 20

The Visa card was closed in all regions on Dec-20, 2023 and the card has been rebuilt since. Cashback rules were cut and reshaped more than once in 2026.9,8,4

Track record and verified volume7 of 15

Brazil card live since late 2025 and a few other markets since; the earlier programme ended after about two years. No published volume figures.7,9

Published fees and terms6 of 10

Fees, limits and cashback tiers are published for Brazil with update dates; the Global Program gives no limits, countries or cashback, and FX is a 1-2% range.3,4,5

Support and user sentiment5 of 10

Large support operation with chat, but no card-specific support hours or ratings were found.9

Company

Websitebinance.com11

Issuer and licence

Card issuerPomelo Instituição de Pagamento Ltda. (Brazil card)1From the issuer's own overview page; it says the issuer differs by region and does not name the Global Program issuer
Program managerBinance1
LicencesPayment institution authorised by the Central Bank of Brazil1
RegulatorCentral Bank of Brazil1
NetworkMastercard1

The card

Statuslive1,5Brazil card page updated Oct-19, 2026; Global Program FAQ updated Sep-21, 2026
Launched2025-107Brazil relaunch per CardPilled; Binance FAQs are dated Sep-22, 2025
Typedebit7Described as prepaid/debit by third parties; the issuer pages do not state the kind
FormsVirtualPhysical1
Custodycustodial2Spends from Binance Funding, Spot and Flexible Earn balances, converted at payment
How custody worksFunds stay in the Binance exchange account until the moment of payment; spend order follows the user's payment priority list of 3 to 12 assets2,10
KYCfull1
KYC documentsNational ID (RG/RNE), driver's licence (CNH), passport or resident's permit1
Settles inBRL2Global Program settles in USD per Binance pages
Card currenciesBRLUSD2,5BRL for Brazil, USD for the Global Program

Funding

Crypto acceptedUSDTUSDCFDUSDBNBBTCETHSOLADALINKXRP2
Deposit fees010No card top-up fee; deposits to the exchange have their own fees
Minimum depositNone to spend; 10 USDT equivalent in total to order a physical card1
Spends fromBinance Funding and Spot accounts (and Flexible Earn) by payment priority, converted in real time10,2From Nov-04, 2026 Spot and Funding are the default accounts

Payments

Apple Pay1
Google Pay2Overview page does not mention Google Pay
Contactless2Physical card
Blocked merchantsGambling (no cashback)4Listed as cashback exclusion

Where it works

RegionsLatin AmericaWorldwide1,6
United States1Not in the listed markets
United Kingdom1Not in the listed markets
EEA9,8EEA card closed Dec 2023
Supported countriesBrazilBrazil1Global Program: Binance support names Colombia and Peru; SpendNode also lists Australia, New Zealand and Peru

Account

Crypto loansYes1Flexible Rate Loan via the Borrow option

Security

Freeze card1

Incidents and changes

Jun 2026Brazil cashback tiers changed on Jun-01, 2026 to 1.5% / 2% / 3% with a BRL 500 cap; earlier ladder was 1% to 3% with a BRL 250 cap.4fee change
Dec 2023The Binance Visa debit card was discontinued for all regions on Dec-20, 2023 (reported cause: the issuer stopped supporting the programme); accounts were not affected.9,8shutdown

Regional differences

Colombia, Peru, some CIS, Armeniafx fee: 05
New Zealandfx fee: 35

More details

U token payments0% FX fee and 0% crypto conversion fee when paying with the U token in selected countries; FX fee rebates returned in USDC3,5
Physical card cancellation (Brazil)BRL 30 within 1 year of issuance, free after3
IOF tax (Brazil)Applies on international transactions; rate not stated by Binance2,3

Quick answers

What does the Binance Card cost?

The Brazil Card plan: Free a month, Free for a physical card.

How much cashback does the Binance Card pay?

3% on the Brazil Card plan, paid in BRL.

What is the Binance Card FX fee?

1.5% on the Brazil Card plan.

Is the Binance Card custodial?

Custodial. Funds stay in the Binance exchange account until the moment of payment; spend order follows the user's payment priority list of 3 to 12 assets

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

US: no. UK: no. EEA: no.

How much do you keep with the Binance Card?

$90 a year on the Brazil Card plan at $1,000 a month with 20% in a foreign currency, after every fee.

Sources

  1. Overview of the Binance Brazil Card, issuer, Nov-05, 2026
  2. How to make payments with the Binance Brazil Card, issuer, Nov-05, 2026
  3. Binance Brazil Card Fees and Limits (updated Jun-02, 2026), issuer, Nov-05, 2026
  4. How Does Binance Brazil Card Cashback Work? (updated Sep-25, 2026), issuer, Nov-05, 2026
  5. Binance Card - Global Program: Fees and Limits (updated Sep-21, 2026), issuer, Nov-05, 2026
  6. Binance Card - Global Program: Eligibility and How to Order It, issuer, Nov-05, 2026
  7. CardPilled: Binance Brazil Card, review, Nov-05, 2026
  8. SpendNode: Binance Crypto Cards Review 2026, review, Nov-05, 2026
  9. Cryptonoshi: Binance Card (Last Updated Apr-18, 2025), review, Nov-05, 2026
  10. How to Adjust the Source of Funding for My Binance Brazil Card (updated Oct-28, 2026), issuer, Nov-05, 2026
  11. Binance Card page, issuer, Nov-05, 2026

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