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

Karta Personal

VisaCustodialKYC full

Karta Personal is a Telegram-based stablecoin account with a Visa virtual card (5 USDT) and optional plastic or metal cards, funded with USDT/USDC or bank transfers. There is no cashback and no subscription; a 1.5% fee applies to card payments, plus Visa's 1% on non-USD spend.

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18Card Score, #29 of 36
−$206You keep a year
D51Trust points of 100
79%Key fields with a source

Plans side by side

Personal
Price
Monthly priceFree11No subscription; third-party guide says no monthly, annual or inactivity fees. Help fee page lists noneNot confirmed by the issuer
Yearly priceFree11No annual fee listed on the issuer fee pageNot confirmed by the issuer
Virtual card fee$52,15 USDT, shown as discounted from 30 USDT
Physical card fee$992Plastic card 99 USDT per the help fee page; homepage says from 100 USDT. Metal card 299 USDT
Replacement$152Virtual card reissuance 15 USDT; physical reissue fee not published
Staking needed02No staking listed
Other requirementsKYC verification; unavailable to citizens/residents of unsupported countries6
Rewards
Cashback0%10No cashback on card spend; referral rewards paid in 'karats' (1 karat = 0.01 USDT) per homepageNot confirmed by the issuer
PointsReferral rewards in karats (1 karat = 0.01 USDT), earned from friends' spending1
PerksReferral rewards in karats1
Fees
FX fee1%2Visa's 1% international fee on payments and withdrawals in currencies other than USD; conversion at mid-market rate, no separate Karta markup stated. Card payment fee of 1.5% applies on top (see crypto_conversion_fee)
Crypto conversion fee1.5%2,1,10Karta states a 1.5% card payment fee; applies to every purchase. Deposits are converted to a USDT balance, no separate spread stated
Top-up feeStablecoins free (Tron TRC-20 5.90 USDT); ACH 0.30% + 2.50 USDT; SWIFT 0.30% + 37.50 USDT; US wire 0.30% + 30 USDT; SEPA 1.00% + 2.00 USDT; PIX 1.00% + 0.50 USDT; COP 1.00% + 0.50 USDT; SPEI 1.00%2,9
Free ATM a monthFree2No free ATM allowance listed
ATM fee2.5%2,10Help page and Paymentscan say 2.5%; the homepage says 1.5% + 1 USDT. Help page used as more detailed
ATM fixed fee$121 USDT per successful withdrawal; declined ATM attempt also costs 1 USDT
Inactivity feeFree11Not listed on the issuer fee page; third-party guide says noneNot confirmed by the issuer
Decline feeATM declines cost 1 USDT; no fee published for other declines2
Limits
Limit per payment$25,0005Higher amounts reviewable via support

What you keep

Card fee, spread over 2 years−$2
FX fee on foreign spend−$24
Fees on every purchase−$180
Net a year, Personal plan−$206

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

Trust

Licence and regulator8 of 25

Karta Finance Inc. is a Delaware company with no licence of its own published. Third National Bank is named as issuer.3,1

Custody and fund protection6 of 20

Help pages describe one USDT balance on the account, while the homepage says self-custody. Not FDIC insured.4,8,1

Incidents in the last 24 months18 of 20

No hack or freeze found. PIX top-ups are listed as temporarily unavailable.9

Track record and verified volume9 of 15

$155M spend tracked by Paymentscan since Dec 2024.10

Published fees and terms6 of 10

A fee page exists, but the homepage and help page disagree on the ATM fee. No monthly fee is stated outright.2,4

Support and user sentiment4 of 10

In-app support and a help centre. No store ratings or Trustpilot score found.4

Company

Legal entityKarta Finance Inc., 221 W 10th St, Wilmington, DE 19,801, USA1,11
HeadquartersUnited States1Delaware company address
Websitekarta.io1
X@Karta_Personal1
Telegramhttps://t.me/karta1

Issuer and licence

Card issuerThird National Bank3Issuer terms/help name Third National Bank, issuing from Puerto Rico; Paymentscan links the program to Rain
Program managerKarta Finance Inc.1Karta says it is not a bank and works with unnamed regulated card-issuing partners; program reportedly on Rain's platform per Paymentscan
NetworkVisa1,10
Card levelVisa Signature1

The card

Statuslive1
Launched2024-1210Per Paymentscan
FormsVirtualPhysicalMetal2
Custodycustodial4,8Deposits are converted into a USDT balance on the Personal account and purchases are deducted from it; the homepage speaks of self-custody, which the help pages do not describe
KYCfull1Homepage says verification takes up to about 5 minutes
KYC timeUp to about 5 minutes1
Settles inUSD3
Card currenciesUSD3

Funding

Crypto acceptedUSDTUSDC8,1Tron accepts USDT only
ChainsEthereumSolanaPolygonBaseArbitrumOptimismBNB ChainTron8,1Homepage list; other help snippets may list Avalanche and zkSync instead of BNB Chain and Solana
Fiat top-upACHSWIFTUS domestic wireSEPAPIXCOP bank transferSPEI9
Deposit feesStablecoins free (Tron 5.90 USDT); bank transfers 0.30% to 1.00% plus fixed fee2,9
Minimum deposit1 USDT per network; 15 USDT on Tron8Fiat minimums not published
Spends fromPersonal account balance (USDT)4

Payments

Apple Pay4Depends on verification country being supported by Apple
Google Pay4
3-D Secure3Codes sent by email or phone

Where it works

RegionsWorldwide except sanctioned countries6,7
Countries200+ countries and territories where Visa is accepted1Card acceptance, not eligibility; eligibility depends on an unpublished list
United States11Third-party guide says US citizens cannot apply; not confirmed by the issuer
Excluded countriesSyriaSyriaIranIranCubaCubaNorth KoreaNorth KoreaRussiaRussiaUkraineUkraineVenezuelaVenezuela7Card transactions are declined there; full list of ineligible residence countries available only from support

Account

Local accountsVirtual accounts for USD, EUR, BRL, COP, MXN top-ups1,9
Crypto to bankNo1Bank withdrawals shown as coming soon
Crypto loansNo10
OtherWithdrawal to external crypto wallets: network fee 0.9 to 4.9 USDT plus 0.1% service fee2

Security

InsuranceNot FDIC insured1

App

Web app1
SupportIn-app chatHelp centerIn-app support and help centre4

Adoption

Users, claimedOver 20,000 monthly users1
On-chain spend, all time$155,100,00010Total spend per Paymentscan, 981 transactions listed
On-chain spend, last month$18,050,00010Oct 2026 per Paymentscan

Referrals

User referralsEarn karats from friends' spending (1 karat = 0.01 USDT)1

Incidents and changes

Nov 2026PIX (BRL) top-ups are listed as temporarily unavailable.9outage

More details

Metal card price299 USDT2
Card issuing locationPuerto Rico (USA), Third National Bank3
Card reissue limitUp to 100 per account5
Withdrawal to crypto wallet0.1% service fee plus network fee 0.9 to 4.9 USDT2

Quick answers

What does the Karta Personal cost?

The Personal plan: Free a month, $99 for a physical card.

How much cashback does the Karta Personal pay?

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

What is the Karta Personal FX fee?

1% on the Personal plan.

Is the Karta Personal custodial?

Custodial.

Is the Karta Personal available in the US, the UK and the EEA?

US: no. UK: not stated. EEA: not stated.

How much do you keep with the Karta Personal?

−$206 a year on the Personal plan at $1,000 a month with 20% in a foreign currency, after every fee.

Sources

  1. Karta homepage, issuer, Nov-05, 2026
  2. Are there any fees for using Karta Personal?, issuer, Nov-05, 2026
  3. Managing your card, issuer, Nov-05, 2026
  4. How do I use the Karta Personal card?, issuer, Nov-05, 2026
  5. Card limits, issuer, Nov-05, 2026
  6. Who can get a Karta Personal card?, issuer, Nov-05, 2026
  7. Countries where the card doesn't work, issuer, Nov-05, 2026
  8. How to top up your account with crypto, issuer, Nov-05, 2026
  9. Virtual account top-up fees and processing times, issuer, Nov-05, 2026
  10. Paymentscan: Karta.io, paymentscan, Nov-05, 2026
  11. Karta card guide (Penchan), other, Nov-05, 2026

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